Birch Financial - Jacob Birch

18/02/2026

🦅 1947 Lounge – Manly Sea Eagles Home Game Giveaway 🏉

🎟 WIN 2 x 1947 Lounge Premium Match Day Experiences

We’re giving away 2 exclusive tickets to experience a Manly Sea Eagles home game in the iconic 1947 Lounge at 4 Pines Park!

📍 Venue: 4 Pines Park
📅 Match Date: Home Game of your choice during the NRL 2026 season

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🌟 What You’ll Win

Premium 1947 Lounge Package for Two Includes:

✨ Access to the exclusive 1947 Lounge
🍽 Fully catered premium food
🍺 Premium drinks package
🥂 Pre & post-game hospitality
🏟 Premium seating with outstanding game views
🦅 The ultimate Sea Eagles match day experience

This is the perfect opportunity to enjoy footy in style!

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📲 How To Enter
1. Like this post
2. Follow our page
3. Tag the person you’re bringing along

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📅 Important Dates

🛑 Entries Close: Sunday 1st March
🎉 Winner Drawn: Monday 2nd March

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Don’t miss your chance to experience the Sea Eagles like never before!

24/09/2025

🧾 How your income and job type affect your borrowing power

Not all income is treated equally by lenders — here’s what you should know.

Lenders don’t just look at how much you make — they look at how you make it.

For example:
💼 Full-time PAYG? ✅ Consistent, easy to verify.
📈 Commission or bonus income? ✅ Often discounted or averaged over time.
👷‍♂️ Self-employed? ✅ Usually need 1–2 years of tax returns.

Things that can reduce borrowing power:
🚫 Credit cards (even if unused)
🚫 Buy now pay later accounts
🚫 Unstable employment history
🚫POOR ACCOUNT CONDUCT
🚫MULTIPLE CREDIT ENQUIRIES
🚫and more….

Every lender assesses income differently — and that’s where we can help structure your application in the strongest light.
Let’s work out what’s possible based on your unique situation.

17/09/2025

📉 𝗪𝗵𝘆 𝘆𝗼𝘂𝗿 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲 𝗶𝘀 𝗼𝗻𝗹𝘆 𝗵𝗮𝗹𝗳 𝘁𝗵𝗲 𝘀𝘁𝗼𝗿𝘆

Chasing the lowest rate? You’re not wrong — but there’s more to the picture.

Interest rate matters — but it’s not the only thing you should look at.

💡 Here’s what else to consider:
• Comparison rate (includes fees + charges)
• Loan features like offset accounts or redraw
• Flexibility if your goals change
• Cashback offers (great short term, not always best long term)

A broker helps you match the loan to your goals — not just a headline number.

At Birch Financial we take your loan goals seriously and will always present you with the best options to suit your goals while educatingf you along the way.

📞 Let’s review your options and run the real numbers.

10/09/2025

🧱 𝗪𝗵𝗮𝘁 𝗺𝗮𝗸𝗲𝘀 𝗮 𝗰𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗹𝗼𝗮𝗻 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁?

Buying land and building? Here’s what you really need to know.

Construction loans don’t work the same way as standard home loans.

🏗️ You borrow in stages (called progress payments)
✅ Interest is charged only on what you’ve drawn
🧾 You’ll need a building contract and council plans to apply
🧱 You may need to account for LMI, depending on your deposit

The process is more complex — but it’s worth it when you're creating your dream home.

We can guide you from land purchase all the way to the final payment and handover of the keys.

Let’s build a plan that suits your timeline and budget.

DM Me for details

03/09/2025

🔄 𝗛𝗼𝘂𝘀𝗲 & 𝗹𝗮𝗻𝗱 𝗽𝗮𝗰𝗸𝗮𝗴𝗲𝘀 — 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱 𝗸𝗻𝗼𝘄

Looking at a house + land deal? 𝗚𝗿𝗲𝗮𝘁 — 𝗷𝘂𝘀𝘁 𝗿𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝗶𝗻𝗲 𝗽𝗿𝗶𝗻𝘁 𝗳𝗶𝗿𝘀𝘁.

House & land packages are popular for good reason — they make building feel turnkey.

But they come with unique steps:

1️⃣ You sign separate contracts for land and the build
2️⃣ You’ll likely need two approvals — one for each – in most occasions
3️⃣ Some inclusions (driveway, fencing, landscaping) aren’t in the base price
4️⃣ Site costs and upgrades can vary a lot

We work with your builder, solicitor, and lender to keep everything aligned — so there are no nasty surprises at slab stage.

Want to know if you’re ready to buy land + build?

Let’s talk numbers. DM me for details

27/08/2025

🌳𝗕𝘂𝘆𝗶𝗻𝗴 𝗹𝗮𝗻𝗱?

Read this before you apply for a loan.

Land loans are different — here’s what the banks don’t always tell you.

If you’re buying land now and building later, you’ll likely need a land loan before a construction loan is issued.

Here’s what to watch out for:

🏞️ Some lenders require construction to start within 12–24 months
📏 Zoning or developer restrictions may apply
🧾 You'll need a 5–20% deposit depending on lender

And yes — not all banks offer land-only loans.

Let’s assess your goals, timeframes, and find a lender that fits the full picture.

📩 DM me to talk land + build strategy.

13/08/2025

🏡𝗪𝗵𝗮𝘁’𝘀 𝘁𝗵𝗲 𝗿𝗲𝗮𝗹 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗯𝗲𝘁𝘄𝗲𝗲𝗻 𝗯𝗮𝗻𝗸𝘀 𝗮𝗻𝗱 𝗯𝗿𝗼𝗸𝗲𝗿𝘀?

Your loan can feel the same — but the experience is very different.

When applying for a home loan, you’ve got two main paths:

👤 Going direct to a bank
You get access to their products only — and they’ll assess your file based on their rules.

🤝 Going through a mortgage broker
We access 65 + lenders, compare your options, and tailor a solution that suits your goals, income, and long-term strategy.

✅ We help explain the loan jargon
✅ Prep your documents properly
✅ Manage the entire application from start to finish and through settlement
✅ We pride ourselves on our after settlement service and follow up

And best of all — we’re paid by the lender and our services are free of charge

📩 Let’s compare what’s out there. The best deal might not be with your bank. DM me to book in an appointment today.

This is general info only. Please speak with a licensed mortgage broker for personal advice.

08/08/2025

The last 24 hours, I’ve been very fortunate to spend an evening listening to the greats of Australian sport - Cathy Freeman, Ian Thorpe, Jessica Fox and Anthony Minichello.

That coupled with this morning listening to the “ State of the State” with NSW Treasurer Daniel Mookhey and Premier Chris Minns was very insightful and thought provoking.

The Excellence Forum was a Master Class in leadership, resilience and peak performance.
That coupled with today’s economic discussions sets Birch Financial up for further success in FY 25/26 !

So many takeaways to apply in life and put into practice!

16/07/2025

🔧 𝗧𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘁𝗼𝗼𝗹𝘀 𝗰𝗮𝗻 𝗴𝗿𝗼𝘄 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 (𝗼𝗿 𝘆𝗼𝘂𝗿 𝘀𝗸𝗶𝗹𝗹𝘀).

If you’re a tradie, self-employed, or supporting a talented young athlete — you know how expensive gear can be. And often, waiting until you’ve saved the cash means missing opportunities.

We help clients finance:
• Trade tools & power equipment
• Trailers and vehicle fit outs
• High-end sporting equipment
• Business machinery and more

Depending on the item, we can look at secured or unsecured options, structured for affordability and quick turnaround.

Finance shouldn’t slow down your career, business or sporting goals — it should enable them.

Let’s look at what you need, what it’ll cost, and the smartest way to make it happen.

📩 DM me or give Max a call on 0417 235 888.

09/07/2025

𝗗𝗲𝗻𝘁𝗮𝗹, 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 & 𝗔𝗧𝗢 𝗗𝗲𝗯𝘁

🦷 A dental bill or tax debt shouldn’t derail your finances.

Most people don’t realise this – but you can finance more than homes or cars.

When unexpected costs like dental work, medical procedures, or a surprise ATO bill hit, your savings might not stretch far enough.

That’s where unsecured personal loans can offer breathing space.
✅ Quick approvals
✅ No upfront collateral required
✅ Flexible repayments over 1–7 years

These loans are ideal when you need funds fast, but don’t want to put assets at risk. They're commonly used for:
• Paying off tax debt to avoid penalties
• Covering urgent medical or dental work
• Funding necessary personal upgrades (car repairs, education, etc.)

If you’ve got a bill you weren’t expecting, let’s explore your options — stress-free and obligation-free.

📩 To book a 15-min chat call or message Max on 0417235888

This is general info only. Always consult your broker or financial advisor for tailored guidance.

08/07/2025

The Reserve Bank of Australia (RBA) has decided to keep the cash rate on hold at 3.85 per cent at its latest meeting. With inflation trending lower, it’s looking like borrowers can expect another cash rate cut soon.

Read today’s official statement on the RBA’s website: https://www.rba.gov.au/media-releases/?utm_source=ActiveCampaign&utm_medium=email&utm_content=RBA%20holds%20cash%20rate&utm_campaign=2025-RBA-July-Hold-3%2085

The latest figures from the Australian Bureau of Statistics showed the Consumer Price Index (CPI) rose 2.1 per cent over the 12 months to May. That’s down from a 2.4 per cent rise in the 12 months to April.

Meanwhile, underlying inflation, as represented by the trimmed mean, fell to 2.4 per cent in May, down from 2.8 per cent in April.

That’s the lowest it’s been since November 2021 and well within the RBA’s target band of 2-3 per cent. Economists say that inflation is likely to remain sustainably within the band.

With inflation edging lower, there was widespread talk of a third cash rate cut being on the cards. Some traders were even anticipating back-to-back interest rate cuts in July and August following the falling inflation figures. However, the RBA decided to keep the cash rate on hold – for this month at least.

Media releases issued by RBA.