Cheney Chen - Original Wealth

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Cheney Chen - Original Wealth

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Managing Director - Original Wealth

We help clients with home loans and refinancing, commercial finance and conveyancing services.

https://linktr.ee/originalwealth

02/11/2026

Your business plans stretch beyond the next few years. Could your finance do the same?

Selected property-secured business loans offer terms of up to 30 years, with interest-only repayments for the first 3 years, followed by principal and interest.

The important part? Finding a repayment structure that works for your business now—and understanding what happens when those repayments change.

Message Original Wealth to explore the options for your business.

Property security and income verification required. Interest-only repayments do not reduce the loan balance. A longer term may increase total interest paid.

Available to eligible companies for business purposes only. Location, security and LVR limits apply. Subject to credit assessment, fees and conditions.

30/10/2026

Ready to buy, but still working on the deposit? 🏡

There may be another option to consider.

For eligible buyers, a Deposit Boost is a separate loan that helps cover the deposit gap. It sits alongside a primary home loan, so you’ll have two loans to repay.

It’s worth understanding the costs upfront. The Boost carries a higher interest rate, and a Low Deposit Premium and other buying costs apply.

📩 Message Original Wealth to talk through how it works and whether it could suit your plans.

Eligible owner-occupied purchases only. Income, credit, savings and property requirements apply. Subject to credit assessment, fees and conditions.

28/10/2026

A smaller repayment today. More interest over time? 🏡

Before refinancing, check whether the lower repayment comes with a longer loan term.

Moving from 22 years remaining to a new 30-year loan may reduce your monthly repayments—but could increase your total interest.

Is the new loan a better fit for your plans?

Original Wealth can help you compare the rate, fees and remaining term together.

📩 Message us to review your refinancing options before making the switch.

Eligibility, credit assessment, fees and conditions apply. Refinancing does not guarantee savings.

26/10/2026

Self-employed and planning to buy or refinance? Start with what you already have. 🏡

A first broker conversation is easier with three things ready:

✓ Business details—your ABN, registration dates and business structure.
✓ Available income records—tax returns, financial statements, recent BAS and business bank statements.
✓ Your current position—loan balances, repayments, credit limits, deposit and property plans.

You don’t need to guess which documents will suit a lender. Understanding what’s available helps identify the next steps.

📩 Message Original Wealth to discuss your plans and how to prepare.

This is an initial discussion checklist. Document requirements vary by lender and circumstances. Lending criteria, fees and conditions apply.

23/10/2026

Is refinancing worth the cost of switching? Start with the numbers. 🏡

A monthly saving can add up over time. Cashback and switching costs also affect the result.

In this illustrative example:
• $80 net monthly saving × 60 months = $4,800
• Plus $3,000 assumed cashback
• Less $1,800 switching costs
= $6,000 net benefit over five years.

The comparison depends on the rate, ongoing fees, remaining loan term and how long you keep the loan.

📩 Message Original Wealth to discuss how your current home loan compares.

Hypothetical example—not a current cashback offer or guaranteed saving. Assumes the $80 net monthly saving continues for five years, the remaining loan term stays unchanged and cashback is received without repayment. Excludes compounding and interest on financed switching costs. Lending criteria, fees and conditions apply.

21/10/2026

How much do you need to buy a home—beyond the deposit? 🏡

It’s easy to focus on the deposit and overlook the costs that come next.

Conveyancing, inspections, stamp duty where applicable, and moving expenses all need a place in your budget. You’ll also want some cash left after getting the keys.

Original Wealth can help you understand how your deposit, purchase costs and borrowing capacity fit together.

📩 Message us to discuss your home-buying budget before you start making offers.

Lending criteria, fees and conditions apply. Purchase costs vary by location and circumstances.

19/10/2026

Registered nurse? You may not need a 20% deposit to buy a home. 🏡

Eligible registered nurses may access a lenders mortgage insurance (LMI) waiver with a 10% deposit through selected lenders.

Your registration, income and borrowing capacity all matter when checking eligibility. You’ll also need to allow for buying costs beyond the deposit.

Message Original Wealth to find out whether you qualify.

Selected lenders only. Income requirements, credit assessment, fees and conditions apply.

16/10/2026

Strong business sales don’t automatically mean higher borrowing power.

For self-employed borrowers, turnover is only the starting point. Business expenses, existing debts and the income available for repayments all matter.

Before setting your property budget, get a clearer picture of how your income could be assessed.

Message Original Wealth to discuss your situation.

Lender criteria, credit assessment, fees and conditions apply.

14/10/2026

Need working capital or looking to refinance existing business debts?

Eligible companies may have property-secured funding options for:

✓ Day-to-day business operations
✓ Business debt refinancing
✓ ATO debt consolidation, subject to eligibility

The right arrangement depends on your funding purpose, property security, repayment capacity and costs.

Speak to Original Wealth about your business needs.

Commercial business-purpose funding only. Eligibility, credit assessment, fees and conditions apply.

12/10/2026

Doctor and saving for a home?

Eligible doctors may access up to 95% LVR with an LMI waiver through selected lenders. Your registration status, financial position and the property still need assessment.

Speak to Original Wealth to check your options.

Buying costs are additional. Eligibility, lending criteria and conditions apply.

Address

Ground Floor, Building 3, 540 Springvale Road,

3150

Telephone

+61395461287

Website

https://originalwealth.com.au/

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