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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Franzway, 32/18-20 Naru Street, Chinderah (2026)

16/10/2026

𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼? 𝗗𝗼𝗻’𝘁 𝗷𝘂𝘀𝘁 𝘁𝗵𝗶𝗻𝗸 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆.

The lender you choose, how your loans are structured, where you use your equity and how your existing debts are assessed can all impact what you're able to do next.

So instead of only asking:

“𝗖𝗮𝗻 𝗜 𝗯𝘂𝘆 𝘁𝗵𝗶𝘀 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆?”

𝗔𝘀𝗸:

“𝗪𝗶𝗹𝗹 𝘁𝗵𝗶𝘀 𝗹𝗼𝗮𝗻 𝗵𝗲𝗹𝗽 𝗺𝗲 𝗯𝘂𝘆 𝘁𝗵𝗲 𝗡𝗘𝗫𝗧 𝗼𝗻𝗲?”

Because if the goal is to build a portfolio, every finance decision should be made with the bigger picture in mind.

📌 Save this before you finance your next investment.

16/10/2026

𝗕𝘂𝘆𝗶𝗻𝗴 𝗮 𝗰𝗮𝗿 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀? 𝗧𝗵𝗲 𝗽𝗿𝗶𝗰𝗲 𝘁𝗮𝗴 𝗶𝘀𝗻’𝘁 𝘁𝗵𝗲 𝗼𝗻𝗹𝘆 𝗻𝘂𝗺𝗯𝗲𝗿 𝘄𝗼𝗿𝘁𝗵 𝗰𝗼𝗺𝗽𝗮𝗿𝗶𝗻𝗴.

A $70K EV and a $70K petrol or diesel vehicle might cost the same to buy - but the 𝘁𝗮𝘅 𝗮𝗻𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗼𝘂𝘁𝗰𝗼𝗺𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗹𝗼𝗼𝗸 𝘃𝗲𝗿𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁.

Depending on the vehicle and your circumstances, an eligible EV may offer:

⚡ Potential FBT exemption on private use
⚡ Potential tax advantages
⚡ Access to discounted EV finance rates with some lenders

But before you rush out and buy a Tesla because Todd on Instagram said so… 𝘁𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 𝗿𝘂𝗹𝗲𝘀.

The vehicle, your business structure, how it’s purchased and how the finance is set up can all matter.

So if a new business vehicle is on the cards, 𝘁𝗮𝗹𝗸 𝘁𝗼 𝘂𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗵𝗼𝗼𝘀𝗲 𝘁𝗵𝗲 𝗰𝗮𝗿. We can explore the finance options and work alongside your accountant on the tax side.

Know a business owner looking for their next vehicle? 𝗦𝗲𝗻𝗱 𝘁𝗵𝗶𝘀 𝘁𝗼 𝘁𝗵𝗲𝗺.

*General information only. Tax treatment, FBT eligibility and lending criteria depend on individual circumstances. Seek professional tax advice.

15/10/2026

𝗬𝗼𝘂𝗿 𝗼𝗹𝗱 𝗲𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗰𝗼𝘀𝘁𝗶𝗻𝗴 𝘆𝗼𝘂 𝗺𝗼𝗿𝗲.

Holding onto an unreliable work vehicle or outdated equipment might seem like the cheaper option, but repairs, downtime and lost productivity can quickly add up.

With 𝗮𝘀𝘀𝗲𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲, you may be able to upgrade the vehicles, machinery or equipment your business needs now, while keeping more of your working capital available for the day-to-day.

Thinking it might be time for an upgrade? Talk to the Franzway team about your finance options.

𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗔𝘀𝘀𝗲𝘁 & 𝗘𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁 𝗙𝗶𝗻𝗮𝗻𝗰𝗲:

https://franzway.com.au/asset-equiptment-finance/

*Finance is subject to eligibility, lender criteria and approval.

15/10/2026

𝗧𝗵𝗲 𝗯𝗮𝗻𝗸 𝘀𝗮𝗶𝗱 𝗻𝗼. 𝗪𝗲 𝗴𝗼𝘁 𝗶𝘁 𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.

These clients were self-employed, and based on the way their bank assessed their income, their borrowing capacity simply didn’t stack up.

But one lender saying 𝗻𝗼 doesn’t necessarily mean every lender will.

We looked at the full picture, found a lender with a different approach to assessing their income and were able to get the finance approved.

That’s the difference the 𝗿𝗶𝗴𝗵𝘁 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 can make - particularly when you’re self-employed.

So if your bank has told you that you can’t borrow what you need, 𝗱𝗼𝗻’𝘁 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆 𝗮𝘀𝘀𝘂𝗺𝗲 𝘁𝗵𝗮𝘁’𝘀 𝘁𝗵𝗲 𝗲𝗻𝗱 𝗼𝗳 𝘁𝗵𝗲 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻.

Self-employed and struggling with borrowing capacity? Send us a message and let’s look at your options.

*Every situation is different. Lending criteria, eligibility and credit approval apply.

14/10/2026

𝗦𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱? 𝗬𝗼𝘂𝗿 𝘁𝗮𝘅 𝗿𝗲𝘁𝘂𝗿𝗻 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗰𝗼𝘀𝘁𝗶𝗻𝗴 𝘆𝗼𝘂 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗽𝗼𝘄𝗲𝗿.

Your accountant is trying to help you 𝗹𝗲𝗴𝗮𝗹𝗹𝘆 𝗺𝗶𝗻𝗶𝗺𝗶𝘀𝗲 𝘆𝗼𝘂𝗿 𝘁𝗮𝘅.

Your lender is trying to work out 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝗶𝗻𝗰𝗼𝗺𝗲 𝘁𝗵𝗲𝘆 𝗰𝗮𝗻 𝘂𝘀𝗲 𝘁𝗼 𝗮𝘀𝘀𝗲𝘀𝘀 𝘆𝗼𝘂𝗿 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗰𝗮𝗽𝗮𝗰𝗶𝘁𝘆.

And sometimes, those two goals don’t line up.

That’s why, if buying property is part of your plan, it can be worth having the conversation with 𝗯𝗼𝘁𝗵 𝘆𝗼𝘂𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 𝗮𝗻𝗱 𝘆𝗼𝘂𝗿 𝗯𝗿𝗼𝗸𝗲𝗿 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝘁𝗮𝘅 𝗿𝗲𝘁𝘂𝗿𝗻 𝗶𝘀 𝗹𝗼𝗱𝗴𝗲𝗱.

Especially if you’re planning to build a property portfolio - because decisions made today could affect what you’re able to borrow tomorrow.

𝗚𝗼𝗼𝗱 𝘁𝗮𝘅 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗻𝗱 𝗴𝗼𝗼𝗱 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝘀𝗵𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝗸 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿.

Send this to your accountant o, your self-employed mate who’s planning their next property purchase.

*General information only. Tax and lending outcomes depend on individual circumstances. Seek professional tax advice.

14/10/2026

The lowest interest rate isn’t always the best deal.

Don’t get me wrong. Interest rates matter!

But after 22+ years in finance, one thing l’ve learnt is that the cheapest rate doesn’t automatically mean the right loan.

Because there’s a lot more to consider.

• What will your repayments actually look like?

• How much cash will you have left after buying?

•Are you carrying other debts that could be costing you more?

•Does your loan structure support your future plans?

•And how long do you actually plan to keep the property?

Sometimes a slightly higher rate with the right features and flexibility can put you in a better financial position.

Sometimes paying down expensive debt makes more sense than chasing a tiny interest rate saving.

And sometimes the lowest rate really is the best option.

The point? There’s no one-size-fits-all answer.

At Franzway, we’re not just looking for a loan. We’re looking at the bigger picture and helping you build a strategy that works for you.

Because the right loan isn’t just about what you pay today. It’s about where you want to be tomorrow.

📩 Let’s have a chat.

13/10/2026

𝗕𝘂𝘆𝗶𝗻𝗴 𝗮 𝗰𝗮𝗿 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀? 𝗧𝗵𝗲 𝗽𝗿𝗶𝗰𝗲 𝘁𝗮𝗴 𝗶𝘀𝗻’𝘁 𝘁𝗵𝗲 𝗼𝗻𝗹𝘆 𝗻𝘂𝗺𝗯𝗲𝗿 𝘄𝗼𝗿𝘁𝗵 𝗰𝗼𝗺𝗽𝗮𝗿𝗶𝗻𝗴.

A $70K EV and a $70K petrol or diesel vehicle might cost the same to buy - but the 𝘁𝗮𝘅 𝗮𝗻𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗼𝘂𝘁𝗰𝗼𝗺𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗹𝗼𝗼𝗸 𝘃𝗲𝗿𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁.

Depending on the vehicle and your circumstances, an eligible EV may offer:

⚡ Potential FBT exemption on private use
⚡ Potential tax advantages
⚡ Access to discounted EV finance rates with some lenders

But before you rush out and buy a Tesla because Todd on Instagram said so… 𝘁𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 𝗿𝘂𝗹𝗲𝘀.

The vehicle, your business structure, how it’s purchased and how the finance is set up can all matter.

So if a new business vehicle is on the cards, 𝘁𝗮𝗹𝗸 𝘁𝗼 𝘂𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗵𝗼𝗼𝘀𝗲 𝘁𝗵𝗲 𝗰𝗮𝗿. We can explore the finance options and work alongside your accountant on the tax side.

Know a business owner looking for their next vehicle? 𝗦𝗲𝗻𝗱 𝘁𝗵𝗶𝘀 𝘁𝗼 𝘁𝗵𝗲𝗺.

*General information only. Tax treatment, FBT eligibility and lending criteria depend on individual circumstances. Seek professional tax advice.

13/10/2026

𝗜𝗳 𝗬𝗼𝘂 𝗪𝗮𝗶𝘁 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗣𝗲𝗿𝗳𝗲𝗰𝘁 𝗧𝗶𝗺𝗲, 𝗬𝗼𝘂'𝗹𝗹 𝗕𝗲 𝗪𝗮𝗶𝘁𝗶𝗻𝗴 𝗙𝗼𝗿𝗲𝘃𝗲𝗿.

For decades there's always been a reason not to buy property.

Prices are too high.
The market is falling.
Interest rates are rising.
The economy is uncertain.

The headlines change.

The reasons change.

But successful property investors understand one thing:

There is rarely a perfect time.

The people who build wealth don't wait for certainty. They make informed decisions, adapt to changing conditions, and stay focused on their long-term goals.

Because the "perfect market" is usually only obvious in hindsight.

If you're wondering whether now is the right time for you, let's have a conversation about your goals, your numbers, and your options.

Book a free call at www.franzway.com.au

13/10/2026

𝗜 𝘁𝗵𝗶𝗻𝗸 𝘄𝗲’𝗿𝗲 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗮𝘁 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝗿𝗸𝗲𝘁 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗹𝘆 𝘄𝗿𝗼𝗻𝗴.

Everyone wants to know:

“𝗔𝗿𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗿𝗶𝗰𝗲𝘀 𝗴𝗼𝗶𝗻𝗴 𝘂𝗽 𝗼𝗿 𝗱𝗼𝘄𝗻?”

But if you’re thinking about buying your next property, there’s another question worth asking:

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗮𝗿𝗸𝗲𝘁 𝗮𝗹𝗹𝗼𝘄 𝗺𝗲 𝘁𝗼 𝗱𝗼 𝘁𝗵𝗮𝘁 𝗜 𝗰𝗼𝘂𝗹𝗱𝗻’𝘁 𝗱𝗼 𝟭𝟮 𝗺𝗼𝗻𝘁𝗵𝘀 𝗮𝗴𝗼?

Maybe there’s less competition.
Maybe you have more negotiating power.
Maybe your equity position has changed.
Maybe different properties or strategies are now worth considering.

Markets change - and with them, so can your opportunities.

Instead of trying to perfectly predict what property prices will do next, understand 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗺𝗮𝗿𝗸𝗲𝘁 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗺𝗼𝘃𝗲.

𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆? 𝗟𝗲𝘁’𝘀 𝗿𝘂𝗻 𝘁𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝗮𝗻𝗱 𝘄𝗼𝗿𝗸 𝗼𝘂𝘁 𝘄𝗵𝗮𝘁’𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲.

13/10/2026

Hi, I’m Todd.

I’m a mortgage broker... but there’s a bit more to me than home loans and interest rates.

I’m a husband, a dad, an ex-tradie, a business owner and someone who loves a good challenge (especially when there’s a tricky finance scenario involved!).

After 22+ years in the industry, I’ve learnt a thing or two about property, money and making smart financial decisions.

And I’m always happy to share what I’ve learnt - including a few things people might not want to hear.

So if you’re new around here, welcome!

Follow along for practical mortgage tips, property insights, creative finance strategies, a few unpopular opinions and a bit of life behind the scenes.

Glad you’re here!

- Todd

Franzway

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