Sharon Swan - Financial Broker Director Angel's Financial

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Australia
Wandong, VIC
Sharon Swan - Financial Broker Director Angel's Financial

Helping families and investors to achieve their dream of home ownership. With over a decade of expertise, providing mortgage solutions across all loan types.

When I am not crunchy numbers and problem-solving, I am dog training and caravanning.

08/06/2026

Got an investment pre-approval? Pause before you buy. 🛑🏡

Thinking of buying an investment property with an existing pre-approval?

You may need to stop and check your numbers again. 👀

Following the Federal Budget announcement, some lenders have already started changing how they assess negative gearing when calculating borrowing capacity.

That means your current pre-approval may not automatically mean you can still borrow the same amount — especially if you’re buying an established investment property.

The key issue? Your lender may now assess your ability to repay the loan differently. 🏦

Before you sign a contract or rely on an old approval, let’s review:

✅ Your current lender’s policy ✅ Whether your property type still qualifies ✅ Your updated borrowing capacity ✅ Whether your approval needs to be refreshed

The goal posts are moving — and this is exactly when good advice matters. ⚽️

📲 Already pre-approved for an investment purchase? Message me before you make your next move.

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07/06/2026

Small Things Have BIG Impact (Super Contributions)

☕💸 Small things really can have a BIG impact!

Here’s a little food for thought: what if you swapped your Sunday brunch out for a home-cooked breakfast… and popped that $25 into your super instead?

Meet Cameron, age 30: 👉 He’s decided to skip his weekly $25 café breakfast and put that $25/week ($1,300 p.a.) into his super as an after-tax contribution.

👉 By the time he turns 60, that simple habit could grow to a whopping **$53,776.**¹ 💥

All from one small weekly choice! 🚀

Imagine what other small savings could do for YOUR future. Check out this great example of Cameron from our friends at AMP 👇 👉 https://www.amp.com.au/superannuation/contribute -item-2665581f56-tab

💬 The takeaway? It’s not about huge sacrifices — it’s about little habits that stack up!

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05/06/2026

"Just because no one taught you about finance..."

💬 Just because no one taught you about finance… doesn’t mean you can’t master it now. 🙌

It’s never too late to start learning: ✅ You don’t need a finance degree ✅ No question is too “silly” ✅ You’re not “behind” — you’re just starting where you are

I love helping my clients: 🌟 Understand their home loans 🌟 Build better money habits 🌟 Feel CONFIDENT making big financial decisions

If you were never taught this stuff — you’re in good company. Most of us weren’t! But it’s never too old or too young to learn — and I’m here to guide you through it.

📚 Let’s start where you are. Together.

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04/06/2026

— EV fun fact

🚗 Buying an EV? Here’s a fun fact you might not know!

When it comes to valuing an electric vehicle, it's NOT about the kilometres travelled like traditional cars. 🚘 👉 It’s ALL about the condition of the battery 🔋 — because the battery is the most valuable (and expensive!) part of an EV.

If you’re buying a second-hand EV: ✅ Always ask for a battery health certificate ✅ Check how many charge cycles it’s had ✅ Verify remaining battery warranty

Why? A car with “low kms” but an old or worn battery might cost you BIG on repairs or replacements.

💡 Handy tip: Some lenders are now offering special finance for EVs — if you're curious, I can help you explore options!

02/06/2026

— It’s not just about rates

Caption: 💡 Repeat After Me: It’s NOT about the rate! 🏡💰

Yes, we love a sharp rate! 📉 But here’s the thing: Getting a loan is about finding the RIGHT match — like a perfect long-term relationship 💑, not just a one-night stand! 😄

Here’s what we really consider when helping you find the right loan: ✅ Your goals — are you planning renovations, debt consolidation, investment? ✅ Your life stage — growing family, career change, retirement?

✅ Your income type — PAYG, self-employed, contract? ✅ Your property plans — future upgrades or sales? ✅ Bank policy quirks — yes, they all have different “personalities” 😉

💬 In short: it’s matchmaking — your financial needs with the right lender. A lower rate is great, but a mismatch could cause more stress long term.

If you'd like to chat about whether you're ready for a better match, let’s talk. Your dream lender might be out there! 💌

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01/06/2026

— Investors — your borrowing power may have changed. 🏡📉

If you’re planning to buy an investment property, your maximum borrowing capacity may not be what it was a few weeks ago.

Some lenders are now changing how they treat negative gearing in their servicing calculations. 🏦

In plain English?

They may no longer give you the same benefit for investment property tax deductions when working out how much you can afford to borrow.

This could impact:

💰 How much you can borrow 🏦 Which lender is right for you 📄 Whether your existing pre-approval still works ⏰ How quickly you need to act before signing a contract

This doesn’t mean investors should panic. It does mean your strategy needs to be checked properly before you buy. 👀

📲 If you’re planning to purchase an investment property this year, let me guide you through the new lending landscape.

31/05/2026

Small business owners — this one is worth a quick EOFY check-in. 👀

For the 2025–26 financial year, eligible small businesses may still be able to access the $20,000 Instant Asset Write-Off.

In plain English? You may be able to immediately deduct the business-use portion of eligible assets, rather than depreciating them over time.

This could apply to things like:

🖥️ Computers, laptops and office equipment 📱 Phones and business tech 🖨️ Printers, scanners and equipment 🪑 Office furniture 🔧 Tools and equipment 🚗 Some business-use assets, depending on eligibility and cost

A few key things to know:

✅ Your business generally needs annual turnover under $10 million ✅ The asset must cost less than $20,000 ✅ It must be first used or installed ready for use by 30 June 2026 ✅ Only the business-use portion can usually be claimed ✅ Eligibility depends on your business structure, asset type and tax position

And the important bit: buying something just for a tax deduction is not always smart strategy. Tax savings are great… unnecessary spending is still unnecessary spending. 😅

Before you rush into an EOFY purchase, speak with your accountant and make sure it actually makes sense for your business.

📲 Need finance for equipment, business assets or cash flow before EOFY? Let’s chat and work through your options.

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30/05/2026

💡 Quote of the day

“Do not save what is left after spending, but spend what is left after saving.” — Warren Buffett

29/05/2026

Google Review

⭐ Client love ⭐

"We reached out to Sharon when rising repayments started to feel overwhelming and we weren’t sure what our options were.

From the start, she made everything clear and easy to understand, walking us through the process and showing us options we didn’t even know existed.

The whole experience was smooth, and we always felt supported and informed.

We’ve now refinanced into a loan that suits our situation much better, and the difference in our repayments has been huge."

"Highly recommend Sharon if you’re looking for honest, supportive help with your home loan."

There is nothing better than helping clients feel informed, supported and confident through the finance process.

Buying, refinancing or investing can feel overwhelming — but the right guidance can make the whole experience feel so much easier.

Grateful for beautiful client feedback like this. 💜

28/05/2026

🎓 Got a HECS/HELP debt that’s holding back your borrowing power?

Good news — some lenders assess HELP debt differently, which may improve your borrowing capacity. 💪🏡

This can be a game-changer for:

🏡 First home buyers 📈 Upsizers 🔁 Refinancers 🎓 Borrowers with student debt 💰 Clients trying to maximise borrowing power

HELP debt does not automatically stop you from getting a home loan, but the way a lender assesses it can make a big difference.

💬 Want to see how this could work for you?

DM me or get in touch — let’s explore your options.

Address

Wandong, VIC
3758

Telephone

+61432450807

Website

http://www.angelsfinancial.com.au/

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