Michael Fernandez - ZENRG Finance Pty Ltd

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Michael Fernandez - ZENRG Finance Pty Ltd Financing All Clients :

First Home Buyers, Refinancing, Investors, SMSF and Credit Impaired.

Finance Industry for 30 years and I will connect to our Team for Commercial / Business Finance - Cars, Equipment, Business Purchases, Commercial Property and Development Finance

Residential Home Loans Purchases Owner Occupier and Investment - Refinances All types of Business, Commercial, Development Finance and Leasing/Equipment Finance.

Thinking about becoming a mortgage broker? If you've spent years in banking, you already know how lending works from the...
29/09/2026

Thinking about becoming a mortgage broker?

If you've spent years in banking, you already know how lending works from the inside. Now imagine offering clients the whole market instead of one lenders product set.

Were looking to connect with:

🏦 Experienced bankers who want more independence and the freedom to find the right loan for every client
🤝 Financial advisers who want to offer lending as part of a complete service
📊 Accountants whose clients are constantly asking who should I talk to about a loan?
🌐 Professionals with strong networks in property, business or finance who want to turn those relationships into a second revenue stream.

Brokering rewards what youve already built: your expertise, your reputation and the trust of the people you work with. You keep your existing clients close and give them more without sending them elsewhere.

If you're curious about what the path looks like, whether that's accreditation, support or how it fits alongside your current practice, lets have a conversation.

📩 Message me directly or comment interested below and Ill be in touch.

The Reserve Bank of Australia (RBA) has raised the cash rate by 25 basis points to 4.60% at its September meeting. Read ...
29/09/2026

The Reserve Bank of Australia (RBA) has raised the cash rate by 25 basis points to 4.60% at its September meeting. Read the full statement here.

Underlying inflation remains persistently above target. Annual trimmed mean inflation – the RBA’s preferred measure – held at 3.6% in the 12 months to July 2026, unchanged from June and still well above the RBA’s 2-3% target band, according to the Australian Bureau of Statistics.

In a recent interview, RBA Deputy Governor Andrew Hauser was candid about the central bank’s concern, pointing to three key risks pushing inflation higher: the ongoing Middle East conflict, the global AI boom driving up prices and the weaker-than-expected supply capacity of the Australian economy. Governor Michele Bullock reinforced the message in an address to parliament, saying “inflation is too high” and that the Board is focused on “making sure that it does not become embedded into price and wage-setting decisions”, a risk that becomes harder to manage the longer inflation stays above target.

Four cash rate rises in a single year is significant. If you’d like to understand what this means for your repayments or explore your options, we are here to help.

More Australians are using mortgage brokers than ever before – highlighting the growing value borrowers place on compar...
25/09/2026


More Australians are using mortgage brokers than ever before – highlighting the growing value borrowers place on comparing lenders and loan options.

Brokers facilitated a record 81.6% of new home loans in the June quarter, according to Cotality data commissioned by the Mortgage & Finance Association of Australia.

That market share has increased by 27.7 percentage points over the past eight years.

Why borrowers are changing how they shop

For consumers, the appeal often comes down to choice and convenience.

Different lenders can have different:
Interest rates.
Borrowing policies.
Serviceability calculations.
Loan features.
Eligibility requirements.
That matters even more when rates are elevated and household budgets are under pressure.

With lenders offering different rates, policies and features, a broker can help you compare your options and make a more informed choice.

Buying or refinancing? We can compare lenders with you and help you understand which options may suit your circumstances

More homes are hitting the market while prices fall across most capital-city suburbs – giving buyers more negotiating ro...
25/09/2026

More homes are hitting the market while prices fall across most capital-city suburbs – giving buyers more negotiating room.

According to SQM Research, the number of properties listed for sale in August was 12.8% higher than a year earlier.

Distressed listings also increased 10.0%, although they remain relatively low.

At the same time, Cotality says 93% of capital-city suburbs recorded price declines over the three months to August.

Those trends clearly favour buyers more than they did previously.

More listings can mean:
Greater choice.
Less urgency.
More scope to negotiate on price or terms.
But this still isn’t a market where every seller is desperate to deal.

Good properties can attract strong competition and distressed listings remain relatively uncommon.

So buyers should use the softer market to negotiate confidently – without assuming every vendor will accept a steep discount.

Knowing your borrowing limit before negotiations begin can make that easier. Get in touch before you start making offers and we can establish your budget and finance options.

Another cash rate increase isn’t guaranteed – but borrowers may be better off preparing for one than hoping it won’t hap...
24/09/2026

Another cash rate increase isn’t guaranteed – but borrowers may be better off preparing for one than hoping it won’t happen.

The Reserve Bank has already lifted the cash rate by 0.75 percentage points in 2026.

Meanwhile, trimmed-mean inflation has remained above the RBA’s 2–3% target range since June 2025, while recent economic growth, employment and household spending data suggest demand remains surprisingly resilient.

That means another rate hike before the end of the year can’t be ruled out.

What borrowers can do now

Rather than passively waiting for the RBA’s next cash rate decisions on September 29 and November 3, consider:

- Stress-testing your budget at a higher repayment.
- Building a bigger cash buffer.
- Reviewing whether your current rate is still competitive.
- Using an offset or redraw facility strategically.
- Cutting discretionary spending before you’re forced to.

For prospective buyers, it can also make sense to calculate repayments at a rate above today’s level before deciding what you can comfortably afford.

Another rate rise may or may not happen, but you can prepare for one now. Get in touch and I’ll help you review your loan and borrowing position.

We're planning our next Lunch & Learn session at our Parramatta office, and we want it to be genuinely useful for you.Wh...
22/09/2026

We're planning our next Lunch & Learn session at our Parramatta office, and we want it to be genuinely useful for you.

What finance topics would you like us to cover? A few ideas to get you thinking:

🏠 First home buyer strategies
📊 Policy changes and their impact on the home loan market
🏢 Investment property lending
💰 Refinancing in the current rate environment

We're also open to inviting referral partners working in this space to come present — so if that's you (or someone you'd recommend), let us know!

Drop your topic suggestions in the comments, or send us a message. We'll pick the most requested and put together a session worth your lunch break.

Credit Image: iStock

Self Employed, have an ABN and Looking To Purchase a Vehicle or Equipment for your Business?If you need:Vehicle, Truck a...
21/09/2026

Self Employed, have an ABN and Looking To Purchase a Vehicle or Equipment for your Business?

If you need:

Vehicle, Truck and Trailer Finance
Machinery & Equipment Finance
Business Loans
Business Overdrafts

Reach out and we will put you in touch with our Business Partners who specialise in this.

Credit Image: The Adviser

Speaking to some banking mates overnight, their fixed rates are going up, so watch your home loan and potential changes ...
17/09/2026

Speaking to some banking mates overnight, their fixed rates are going up, so watch your home loan and potential changes to your Variable Interest Rate over the coming weeks.

Reach out if you think you are paying too much.

Credit Image: 9Now

Some Lenders are offering a CASHBACK to refinance their home loan to them. Some are not advertising this, but there are...
17/09/2026

Some Lenders are offering a CASHBACK to refinance their home loan to them. Some are not advertising this, but there are opportunities out there.

It is important to make sure it is the right product and putting you in a better position in the long run, if you were to refinance.

If you are looking at this an an option to help cover Christmas Presents or towards a Christmas Holiday, reach out and we can work through the options with you.

Loans

With Macquarie Bank taking part of the Big 4's Home Loan Market share, we are finding that the Big Banks are forced to r...
15/09/2026

With Macquarie Bank taking part of the Big 4's Home Loan Market share, we are finding that the Big Banks are forced to reduce home loan interest rates to compete, outside of any Reserve Bank Rate Announcements.

Try your Existing Lender first to see what they can offer you. If they won't budge, please reach out to see what we can get you in the Market.

The Interest Saving is better in your Pocket, than the Banks.

Credit Image: Adobe Stock

Address

Sydney
Sydney, NSW
2234

Telephone

+61403101502

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