FosterRamsay Finance

FosterRamsay Finance Are you confused about which finance option to choose ? We compare the market for you and guide you

We compare the market for you and guide you through the process to help you choose the best option

💬 Just because no one taught you about finance… doesn’t mean you can’t master it now. 🙌It’s never too late to start lear...
16/06/2026

💬 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.

So, if you’re ready for the next chapter, we’d love to come on the journey with you.
📱 0448-010-999 or
🖥️ [email protected]

EOFY Tip: Instant Asset Write-Off for Small Business 💼✨Small business owners — this one is worth a quick EOFY check-in. ...
15/06/2026

EOFY Tip: Instant Asset Write-Off for Small Business 💼✨
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.

Over the weekend, I joined Pat Panetta and 3AW's Australia Overnight to discuss a topic that's been generating a lot of ...
15/06/2026

Over the weekend, I joined Pat Panetta and 3AW's Australia Overnight to discuss a topic that's been generating a lot of concern across households right around Australia: negative equity.

"Negative equity is something to take seriously, but it's not something to panic about."

With recent headlines around property prices, interest rates, cost-of-living pressures and housing affordability, it's understandable that many Australians are feeling anxious about what the future holds.

The reality is this: if your mortgage balance is higher than the current value of your home, it doesn't automatically mean you're in financial trouble.

In most cases, if you can continue meeting your repayments and don't need to sell, a temporary market correction may have very little impact on your day-to-day life.

One of the key messages I shared with listeners across Australia was simple: don't suffer in silence.

If you're worried about your mortgage, property values, repayments or your financial future, reach out early to your broker, lender or adviser. Most financial challenges have more solutions than people realise.

A problem at 2am is rarely the same problem at 10am.

Write it down. Seek advice. Make a plan.

Two homes. One trusted relationship.⭐️⭐️⭐️⭐️⭐️Reviews like this mean the world because they remind us why we do what we ...
12/06/2026

Two homes. One trusted relationship.
⭐️⭐️⭐️⭐️⭐️

Reviews like this mean the world because they remind us why we do what we do.

Helping families navigate big financial decisions isn't just about rates and loan products. It's about providing clarity, confidence and support when it matters most.

Thank you for trusting us to be part of your journey.

🎓 Got a HECS/HELP debt that’s holding back your borrowing power?Good news — some lenders assess HELP debt differently, w...
11/06/2026

🎓 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.
If you’re ready for the next chapter, we’d love to come on the journey with you.
📞 0448-010-999 or
📧 [email protected]
📩 Or shoot me a DM!

🎙️ Great to join Kim Napier on ABC Breakfast recently to discuss one of the biggest hidden risks emerging from the Feder...
10/06/2026

🎙️ Great to join Kim Napier on ABC Breakfast recently to discuss one of the biggest hidden risks emerging from the Federal Budget.
👉 Listen here 👉 👉 https://www.fosterramsay.finance/media

While most Australians are focused on interest rates, lenders review of how negative gearing and investment losses may be treated in future borrowing assessments is becoming a problematic and unintended consequence.

The result?

Some borrowers could see their borrowing capacity reduced by as much as 20%.

My take away message for ABC listeners was simple:
👉 Don't assume yesterday's borrowing power still exists today.
👉 Don't rely solely on an old pre-approval.
👉 Have a Plan A, Plan B and Plan C.

There are a lot of moving parts in lending right now, and things can change quickly.

Whether you're a first home buyer, upgrader or investor, now is the time to speak with your broker or banker before making an offer or heading to auction.

🏡 Buying a property from family at a discounted price?That’s called a favourable purchase — and yes, it can be a legitim...
09/06/2026

🏡 Buying a property from family at a discounted price?
That’s called a favourable purchase — and yes, it can be a legitimate lending option. 👏

Different lenders have different policies, but here’s the exciting part:
💥 Some lenders may allow borrowing above the purchase price where the property is being purchased from a family member at a genuine discount.

This can be a great way to get into the market without needing a large cash deposit, especially if you’re purchasing from a parent or relative.

A favourable purchase may help with:
🏡 First home buying
👨‍👩‍👧 Family property transfers
💰 Reducing the cash deposit needed
🔑 Getting into the market sooner

📌 LVR restrictions apply. Lending terms and conditions apply. Legal and tax advice may also be required.

💬 Curious whether this could work for you? Reach out and let’s go through the details together.
If you’re ready for the next chapter, we’d love to come on the journey with you.
📞 0448-010-999 or
📧 [email protected]
📩 Or shoot me a DM!

🚜 Got cows? Chickens? A hobby farm that’s not so hobby anymore?If your property makes money — even if it comes with mud,...
08/06/2026

🚜 Got cows? Chickens? A hobby farm that’s not so hobby anymore?
If your property makes money — even if it comes with mud, gumboots and early mornings — you might be eligible for specialist farm finance.

We’re talking:
🐄 Income-producing farms
🌾 Lo Doc options
💰 Cash out
🌍 Large acreage options
🚜 Rural and agricultural lending solutions

Whether you’re running a full-blown agri-empire or just want to refinance the farm that funds your Sunday eggs, there may be options that don’t require wearing a suit to the bank.

DM me and let’s chat farm finance — gumboots optional. 👩‍🌾👨‍🌾

If you’re ready for the next chapter, we’d love to come on the journey with you.
📞 0448-010-999 or
📧 [email protected]
📩 Or shoot me a DM!

💡 Quote of the day“Do not save what is left after spending, but spend what is left after saving.”— Warren BuffettA gentl...
05/06/2026

💡 Quote of the day
“Do not save what is left after spending, but spend what is left after saving.”
— Warren Buffett

A gentle reminder that wealth building starts with intention — not whatever happens to be left over.
💰 Prioritise saving
📊 Set the strategy
🏡 Spend with purpose
📈 Build the future you actually want

It’s not about restriction.

It’s about creating choices, confidence and a future you’re proud of.

🏢 Self-employed and thinking commercial property?Here’s some good news.You may not need two full years of tax returns to...
04/06/2026

🏢 Self-employed and thinking commercial property?
Here’s some good news.
You may not need two full years of tax returns to get started. ✅

There are commercial lenders who may accept just one year of tax returns for self-employed borrowers — even at higher loan amounts and LVRs, depending on the overall scenario.

That can be a game-changer for business owners looking to:
🏢 Buy commercial premises
📈 Invest in commercial property
🔁 Refinance existing business or commercial debt
💰 Improve cash flow
🚀 Expand their business

Of course, every scenario is different, and lender appetite can vary significantly.

So if you’ve been told “too hard” before, it might be time for a second opinion.
💬 Reach out if you’d like to chat through your options.
📞 0448-010-999 or
📧 [email protected]
📩 Or shoot me a DM!

Address

Suite 65, Waterman Workspace Suites, Eastland S/C, 175 Maroondah Highway
Ringwood
3134

Telephone

+61448010999

Website

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