Straight Talk. Smarter Lending.
Sunshine Coast based. Australia wide.
Honest lending advice for homeowners, first home buyers and property investors. Frank advice, clear explanations and a lender panel of 40+ to help you move forward with confidence.
- Lender panel
- 40+
- Broker fee, in most cases
- $0
- Meet by
- Phone, video or in person
Bulcock Beach, Caloundra · Photo: Tanya Dedyukhina · CC BY 3.0 · Cropped to fit
Where we start
A proper chat about your goals and future plans, so we can help you make the best financial decision for your situation.
Why franklenn FINANCE
Finance advice that sounds like a conversation, not a contract.
Many people walk out of a bank meeting with more questions than answers. We do things differently: frank advice, clear explanations and a genuine interest in where you are heading, not just the loan in front of us.
- 01
Family Values
Building relationships based on trust, integrity and genuine care.
- 02
Straight Talk
Clear, transparent advice without jargon or unnecessary complexity.
- 03
Smarter Lending
Tailored lending solutions aligned with each client’s goals.
- 04
Property Perspective
Drawing on practical property ownership and investment experience to help clients navigate their property journey with confidence.
Meet Andrew
A local dad, a property investor and a broker who tells it how it is.
I’m Andrew. The Sunshine Coast is where my family and I call home, and where we’re raising our children. Before I started franklenn FINANCE, I spent years learning property the practical way: buying, holding and financing investment properties across New South Wales and Queensland.
Those years taught me what banks don’t always explain: how one loan affects the next, why structure matters as much as the rate, and how much clearer decisions feel when someone simply tells you the truth. That is the service I wanted to offer.
Through a leading national aggregator I can access a panel of 40+ lenders, from the major banks to specialist lenders. You get the choice of a large network with the attention of a local adviser.
Who we help
Every stage of the property journey.
Our niche is simple: helping Australians make better property and lending decisions, whether this is your first home or your fifth property.
First home buyers
Turning savings, grants and a little family help into your first set of keys.
Growing families
Upgrading for space, a yard or the right school, without stretching too thin.
Renovators
Using your equity to turn the home you have into the home you want.
Property investors
Building a portfolio with structures that keep your next purchase possible.
Refinancers
Making sure your loan is still competitive, not just convenient.
Self-employed
Finding the lenders who understand how business income really works.
Services
Lending services, explained properly.
Each loan type has its own rules, risks and opportunities. Here is where we can help.
First Home Buyers
Deposits, government schemes, guarantor options and pre-approval, explained in plain English so you can buy with confidence.
Learn moreHome Loans
Owner-occupier loans built around how you actually live, with the right mix of rate, features and flexibility.
Learn moreRefinancing
Lower repayments, consolidate debts or access equity, with an honest check of whether switching is actually worth it.
Learn more Our specialtyProperty Investment Loans
Finance strategy from a broker who invests in property too, structured for growth across your whole portfolio rather than one deal at a time.
- Portfolio growth
- Equity strategies
- Investment structures
- Serviceability
Self-Employed Lending
Sole traders, company directors and trust earners, matched with lenders who understand how business income really works.
Learn moreConstruction Loans
Building from scratch or knocking down and rebuilding? We handle the progress-payment process so your build stays on track.
Learn moreHow it works
A clear process, from the first chat to well beyond settlement.
- 01
Discovery call
A relaxed 20–30 minute chat about your goals, your situation and what is possible. Free, with no obligation.
- 02
Straight answers
We work out your borrowing power, upfront costs and options, and explain them in plain English, including the trade-offs.
- 03
Smarter lending
We compare 40+ lenders, recommend a loan structure that fits, and handle the application from start to finish.
- 04
Settlement and beyond
Settlement isn’t the finish line. Every six months we review your loan to make sure it’s still the right fit. Often it will be. But if your goals or plans have changed, whether that’s a renovation, a growing family or a new direction, we’re here to adjust things so your loan keeps working for you.
Straight Answers
Property finance questions, answered clearly.
Our free knowledge centre covers first home buying, investing, refinancing and the Sunshine Coast market.
What Is Equity?
Equity is the difference between what your property is worth and what you still owe on it. If your home is valued at $865,000 and your loan balance is $412,300, you have $452,700 in equity. You usually can't borrow against all of it, though. Most lenders will lend up to 80% of the property's value without lenders mortgage insurance (LMI), so your usable equity is that 80% figure minus your current loan, and you still need to pass the lender's serviceability test to access it.
6 min readFirst Home BuyersHow Much Deposit Do I Need?
Most lenders prefer a 20% deposit, which lets you avoid lenders mortgage insurance (LMI), but many people buy with 5% to 10%. With a smaller deposit you will usually pay LMI unless you qualify for an exemption or a government scheme such as the federal 5% Deposit Scheme. On top of the deposit, budget for stamp duty (if it applies), legal fees, inspections and loan costs. The right deposit balances getting into the market sooner against borrowing more.
6 min readFundamentalsBorrowing Capacity Explained
Your borrowing capacity is the maximum a lender is willing to lend you, based on whether you could still afford the repayments if interest rates rose. Lenders look at your income, living expenses, existing debts, credit card limits and number of dependants, then test repayments at an assessment rate usually around 3% above the actual rate. Different lenders use different calculators, so the amount you can borrow can vary noticeably from one lender to the next.
7 min readRefinancingWhen Should You Refinance?
It's worth looking at refinancing when you can get a meaningfully lower rate or better features, when a fixed rate is about to end, when your property value or income has improved, or when you need to restructure or access equity. The test is simple: do the savings or benefits outweigh the costs of switching, such as discharge fees and any break costs, within a reasonable time? A review every year or two is a good habit, even if you end up staying put.
7 min readSunshine CoastInvesting on the Sunshine Coast
The Sunshine Coast can suit property investors because of population growth, lifestyle appeal and a strong infrastructure pipeline, but results depend on the suburb, property type and how you structure your loan. Long-term rentals, holiday lets and new builds each carry different risks, and lenders assess them differently. Work out the real cash flow after all costs, keep a buffer, and choose a loan structure that suits your goals before you buy.
7 min readFundamentalsOffset vs Redraw
An offset account is a transaction account linked to your home loan, where the balance reduces the amount you pay interest on. A redraw facility lets you take back extra repayments you have made into the loan. Both can save the same amount of interest, but an offset keeps your money separate and easier to access, while redraw money is part of the loan. The difference matters most if you might later turn your home into an investment property.
6 min readClient reviews
Judge us on how we look after you.
franklenn FINANCE is a new business built on relationships, not volume. As our first clients settle, their honest feedback will appear here and on Google, good or bad. That’s straight talk.
“I would like you to finish our first call knowing more than when you started, whether or not you go ahead with us.”
Our promise to every client
Book a discovery call
Let’s talk straight about your next move.
Book a free, no-obligation discovery call with Andrew. We’ll look at where you are now, where you want to be, and the clearest way to get there. In person on the Sunshine Coast, or by phone and video anywhere in Australia.