Birch Financial - Jacob Birch

Birch Financial - Jacob Birch Finance broking services

๐Ÿฆ… 1947 Lounge โ€“ Manly Sea Eagles Home Game Giveaway ๐Ÿ‰๐ŸŽŸ WIN 2 x 1947 Lounge Premium Match Day ExperiencesWeโ€™re giving awa...
18/02/2026

๐Ÿฆ… 1947 Lounge โ€“ Manly Sea Eagles Home Game Giveaway ๐Ÿ‰

๐ŸŽŸ WIN 2 x 1947 Lounge Premium Match Day Experiences

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

๐Ÿ“ Venue: 4 Pines Park
๐Ÿ“… Match Date: Home Game of your choice during the NRL 2026 season

โธป

๐ŸŒŸ What Youโ€™ll Win

Premium 1947 Lounge Package for Two Includes:

โœจ Access to the exclusive 1947 Lounge
๐Ÿฝ Fully catered premium food
๐Ÿบ Premium drinks package
๐Ÿฅ‚ Pre & post-game hospitality
๐ŸŸ Premium seating with outstanding game views
๐Ÿฆ… The ultimate Sea Eagles match day experience

This is the perfect opportunity to enjoy footy in style!

โธป

๐Ÿ“ฒ How To Enter
1. Like this post
2. Follow our page
3. Tag the person youโ€™re bringing along

โธป

๐Ÿ“… Important Dates

๐Ÿ›‘ Entries Close: Sunday 1st March
๐ŸŽ‰ Winner Drawn: Monday 2nd March

โธป

Donโ€™t miss your chance to experience the Sea Eagles like never before!

๐Ÿงพ How your income and job type affect your borrowing powerNot all income is treated equally by lenders โ€” hereโ€™s what you...
24/09/2025

๐Ÿงพ How your income and job type affect your borrowing power

Not all income is treated equally by lenders โ€” hereโ€™s what you should know.

Lenders donโ€™t just look at how much you make โ€” they look at how you make it.

For example:
๐Ÿ’ผ Full-time PAYG? โœ… Consistent, easy to verify.
๐Ÿ“ˆ Commission or bonus income? โœ… Often discounted or averaged over time.
๐Ÿ‘ทโ€โ™‚๏ธ Self-employed? โœ… Usually need 1โ€“2 years of tax returns.

Things that can reduce borrowing power:
๐Ÿšซ Credit cards (even if unused)
๐Ÿšซ Buy now pay later accounts
๐Ÿšซ Unstable employment history
๐ŸšซPOOR ACCOUNT CONDUCT
๐ŸšซMULTIPLE CREDIT ENQUIRIES
๐Ÿšซand moreโ€ฆ.

Every lender assesses income differently โ€” and thatโ€™s where we can help structure your application in the strongest light.
Letโ€™s work out whatโ€™s possible based on your unique situation.

๐Ÿ“‰ ๐—ช๐—ต๐˜† ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ถ๐˜€ ๐—ผ๐—ป๐—น๐˜† ๐—ต๐—ฎ๐—น๐—ณ ๐˜๐—ต๐—ฒ ๐˜€๐˜๐—ผ๐—ฟ๐˜†Chasing the lowest rate? Youโ€™re not wrong โ€” but thereโ€™s more to the pictu...
17/09/2025

๐Ÿ“‰ ๐—ช๐—ต๐˜† ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ถ๐˜€ ๐—ผ๐—ป๐—น๐˜† ๐—ต๐—ฎ๐—น๐—ณ ๐˜๐—ต๐—ฒ ๐˜€๐˜๐—ผ๐—ฟ๐˜†

Chasing the lowest rate? Youโ€™re not wrong โ€” but thereโ€™s more to the picture.

Interest rate matters โ€” but itโ€™s not the only thing you should look at.

๐Ÿ’ก Hereโ€™s what else to consider:
โ€ข Comparison rate (includes fees + charges)
โ€ข Loan features like offset accounts or redraw
โ€ข Flexibility if your goals change
โ€ข Cashback offers (great short term, not always best long term)

A broker helps you match the loan to your goals โ€” 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.

๐Ÿ“ž Letโ€™s review your options and run the real numbers.

๐Ÿงฑ ๐—ช๐—ต๐—ฎ๐˜ ๐—บ๐—ฎ๐—ธ๐—ฒ๐˜€ ๐—ฎ ๐—ฐ๐—ผ๐—ป๐˜€๐˜๐—ฟ๐˜‚๐—ฐ๐˜๐—ถ๐—ผ๐—ป ๐—น๐—ผ๐—ฎ๐—ป ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐˜?Buying land and building? Hereโ€™s what you really need to know.Construction lo...
10/09/2025

๐Ÿงฑ ๐—ช๐—ต๐—ฎ๐˜ ๐—บ๐—ฎ๐—ธ๐—ฒ๐˜€ ๐—ฎ ๐—ฐ๐—ผ๐—ป๐˜€๐˜๐—ฟ๐˜‚๐—ฐ๐˜๐—ถ๐—ผ๐—ป ๐—น๐—ผ๐—ฎ๐—ป ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐˜?

Buying land and building? Hereโ€™s what you really need to know.

Construction loans donโ€™t work the same way as standard home loans.

๐Ÿ—๏ธ You borrow in stages (called progress payments)
โœ… Interest is charged only on what youโ€™ve drawn
๐Ÿงพ Youโ€™ll need a building contract and council plans to apply
๐Ÿงฑ You may need to account for LMI, depending on your deposit

The process is more complex โ€” but itโ€™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.

Letโ€™s build a plan that suits your timeline and budget.

DM Me for details

๐Ÿ”„  ๐—›๐—ผ๐˜‚๐˜€๐—ฒ & ๐—น๐—ฎ๐—ป๐—ฑ ๐—ฝ๐—ฎ๐—ฐ๐—ธ๐—ฎ๐—ด๐—ฒ๐˜€ โ€” ๐˜„๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—ธ๐—ป๐—ผ๐˜„Looking at a house + land deal? ๐—š๐—ฟ๐—ฒ๐—ฎ๐˜ โ€” ๐—ท๐˜‚๐˜€๐˜ ๐—ฟ๐—ฒ๐—ฎ๐—ฑ ๐˜๐—ต๐—ฒ ๐—ณ๐—ถ๐—ป๐—ฒ ๐—ฝ๐—ฟ๐—ถ๐—ป๐˜ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜.Ho...
03/09/2025

๐Ÿ”„ ๐—›๐—ผ๐˜‚๐˜€๐—ฒ & ๐—น๐—ฎ๐—ป๐—ฑ ๐—ฝ๐—ฎ๐—ฐ๐—ธ๐—ฎ๐—ด๐—ฒ๐˜€ โ€” ๐˜„๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—ธ๐—ป๐—ผ๐˜„

Looking at a house + land deal? ๐—š๐—ฟ๐—ฒ๐—ฎ๐˜ โ€” ๐—ท๐˜‚๐˜€๐˜ ๐—ฟ๐—ฒ๐—ฎ๐—ฑ ๐˜๐—ต๐—ฒ ๐—ณ๐—ถ๐—ป๐—ฒ ๐—ฝ๐—ฟ๐—ถ๐—ป๐˜ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜.

House & land packages are popular for good reason โ€” they make building feel turnkey.

But they come with unique steps:

1๏ธโƒฃ You sign separate contracts for land and the build
2๏ธโƒฃ Youโ€™ll likely need two approvals โ€” one for each โ€“ in most occasions
3๏ธโƒฃ Some inclusions (driveway, fencing, landscaping) arenโ€™t in the base price
4๏ธโƒฃ Site costs and upgrades can vary a lot

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

Want to know if youโ€™re ready to buy land + build?

Letโ€™s talk numbers. DM me for details

๐ŸŒณ๐—•๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—น๐—ฎ๐—ป๐—ฑ? Read this before you apply for a loan.Land loans are different โ€” hereโ€™s what the banks donโ€™t always tell y...
27/08/2025

๐ŸŒณ๐—•๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—น๐—ฎ๐—ป๐—ฑ?

Read this before you apply for a loan.

Land loans are different โ€” hereโ€™s what the banks donโ€™t always tell you.

If youโ€™re buying land now and building later, youโ€™ll likely need a land loan before a construction loan is issued.

Hereโ€™s what to watch out for:

๐Ÿž๏ธ Some lenders require construction to start within 12โ€“24 months
๐Ÿ“ Zoning or developer restrictions may apply
๐Ÿงพ You'll need a 5โ€“20% deposit depending on lender

And yes โ€” not all banks offer land-only loans.

Letโ€™s assess your goals, timeframes, and find a lender that fits the full picture.

๐Ÿ“ฉ DM me to talk land + build strategy.

๐Ÿก๐—ช๐—ต๐—ฎ๐˜โ€™๐˜€ ๐˜๐—ต๐—ฒ ๐—ฟ๐—ฒ๐—ฎ๐—น ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐—ฐ๐—ฒ ๐—ฏ๐—ฒ๐˜๐˜„๐—ฒ๐—ฒ๐—ป ๐—ฏ๐—ฎ๐—ป๐—ธ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—ฏ๐—ฟ๐—ผ๐—ธ๐—ฒ๐—ฟ๐˜€?Your loan can feel the same โ€” but the experience is very different...
13/08/2025

๐Ÿก๐—ช๐—ต๐—ฎ๐˜โ€™๐˜€ ๐˜๐—ต๐—ฒ ๐—ฟ๐—ฒ๐—ฎ๐—น ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐—ฐ๐—ฒ ๐—ฏ๐—ฒ๐˜๐˜„๐—ฒ๐—ฒ๐—ป ๐—ฏ๐—ฎ๐—ป๐—ธ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—ฏ๐—ฟ๐—ผ๐—ธ๐—ฒ๐—ฟ๐˜€?

Your loan can feel the same โ€” but the experience is very different.

When applying for a home loan, youโ€™ve got two main paths:

๐Ÿ‘ค Going direct to a bank
You get access to their products only โ€” and theyโ€™ll assess your file based on their rules.

๐Ÿค 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.

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

And best of all โ€” weโ€™re paid by the lender and our services are free of charge

๐Ÿ“ฉ Letโ€™s compare whatโ€™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.

The last 24 hours, Iโ€™ve been very fortunate to spend an evening listening to the greats of Australian sport - Cathy Free...
08/08/2025

The last 24 hours, Iโ€™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 โ€œ State of the Stateโ€ 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 todayโ€™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!

๐Ÿ”ง ๐—ง๐—ต๐—ฒ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐˜๐—ผ๐—ผ๐—น๐˜€ ๐—ฐ๐—ฎ๐—ป ๐—ด๐—ฟ๐—ผ๐˜„ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ (๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜€๐—ธ๐—ถ๐—น๐—น๐˜€).If youโ€™re a tradie, self-employed, or supporting a talented yo...
16/07/2025

๐Ÿ”ง ๐—ง๐—ต๐—ฒ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐˜๐—ผ๐—ผ๐—น๐˜€ ๐—ฐ๐—ฎ๐—ป ๐—ด๐—ฟ๐—ผ๐˜„ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ (๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜€๐—ธ๐—ถ๐—น๐—น๐˜€).

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

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

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

Finance shouldnโ€™t slow down your career, business or sporting goals โ€” it should enable them.

Letโ€™s look at what you need, what itโ€™ll cost, and the smartest way to make it happen.

๐Ÿ“ฉ DM me or give Max a call on 0417 235 888.

๐——๐—ฒ๐—ป๐˜๐—ฎ๐—น, ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—น & ๐—”๐—ง๐—ข ๐——๐—ฒ๐—ฏ๐˜๐Ÿฆท A dental bill or tax debt shouldnโ€™t derail your finances.Most people donโ€™t realise this โ€“ bu...
09/07/2025

๐——๐—ฒ๐—ป๐˜๐—ฎ๐—น, ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—น & ๐—”๐—ง๐—ข ๐——๐—ฒ๐—ฏ๐˜

๐Ÿฆท A dental bill or tax debt shouldnโ€™t derail your finances.

Most people donโ€™t realise this โ€“ 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.

Thatโ€™s where unsecured personal loans can offer breathing space.
โœ… Quick approvals
โœ… No upfront collateral required
โœ… Flexible repayments over 1โ€“7 years

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

If youโ€™ve got a bill you werenโ€™t expecting, letโ€™s explore your options โ€” stress-free and obligation-free.

๐Ÿ“ฉ 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.

The Reserve Bank of Australia (RBA) has decided to keep the cash rate on hold at 3.85 per cent at its latest meeting. Wi...
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, itโ€™s looking like borrowers can expect another cash rate cut soon.

Read todayโ€™s official statement on the RBAโ€™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. Thatโ€™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.

Thatโ€™s the lowest itโ€™s been since November 2021 and well within the RBAโ€™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 โ€“ for this month at least.

Media releases issued by RBA.

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PO Box 1680
Warriewood, NSW
2102

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