Ruby Sky Finance

Ruby Sky Finance Ruby Sky Finance is a finance brokering service that provides advice and solutions for people seeking home loans and business finance.

18/05/2026

🏡 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.

15/05/2026

🚨 Running a business is tough.

The hustle never stops, and sometimes the numbers get pushed to the bottom of the to-do list.

But here’s the truth: understanding your cash flow, monthly profit and loss, tax position and debt structure is non-negotiable if you want to grow and stay ahead.

Ask yourself:
📌 Is your BAS up to date?
📌 Are your credit cards being cleared monthly?
📌 Is your business finance sitting on sharp rates and terms?
📌 Do you actually know your monthly cash flow position?
📌 Are your loans helping your business grow — or quietly holding it back?

We work with business owners every day to:
✅ Restructure debt
✅ Consolidate loans
✅ Explore solutions like invoice finance
✅ Review commercial and business lending options
✅ Run a full financial health check to improve cash flow

Let’s deep dive into your business numbers, clean things up, and make sure your finance strategy supports your goals — not slows them down.

💬 DM me to book your business finance check-up.

12/05/2026

💡 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.

11/05/2026

🚜 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. 👩‍🌾👨‍🌾

08/05/2026

This weekend we celebrate the mums — juggling school runs, career goals, caring for family, building futures, and somehow remembering where everyone’s socks are.

Absolute wizardry. 💪💕

As a Finance Broker, I’ve had the privilege of helping so many incredible mums buy their first home, upgrade for growing families, refinance, invest, and create financial security for their future.

Mums are the backbone of so many dreams — including the ones that start with a set of house keys. 🏡✨

💐 Happy Mother’s Day from all of our team at Ruby Sky Finance.

07/05/2026

📅 “How much can I borrow?”

This is one of the most common questions we get.

And the honest answer?
It depends.

Lenders look at much more than just your income. They will also assess things like:
💳 Credit card limits
🎓 HECS/HELP debt
🛒 Living expenses
🛡️ Personal insurance
👨‍👩‍👧 Dependants or school fees
🚗 Car loans and personal loans
🏡 Existing mortgages or investment debt

Two people earning the same income can have very different borrowing capacities depending on their overall financial position.

That’s where we come in.
We’ll help you get your numbers right before you apply — so you can plan with confidence and avoid nasty surprises.

05/05/2026

💥 Got big property goals but not a huge deposit?

You may still have options.

Just because your deposit is limited does not mean your plans need to be limited.

We work with lenders who may allow eligible borrowers to purchase with as little as a 2% deposit, depending on the scenario, lender, income, property type and overall application strength.

This could help with:
🏡 Buying your first home
📈 Purchasing your first investment property
🔑 Getting into the market sooner
💰 Understanding deposit, LMI and grant options

If you want to talk strategy, plan ahead and make 2026 your year, send us a DM and let’s get started.

04/05/2026

🏡 Want to buy before you sell?

A bridging loan might be the answer:
- Covers your new purchase while you wait to sell your current home
- Short-term loan (usually 6–12 months)
- Interest-only repayments or interest payable after your sale settles
- Converts to a standard loan after your sale settles

It’s not for everyone—but in the right situation, it’s a game-changer.

29/04/2026

🧠 Becoming a landlord? Here are 5 tips to get started:
1️. Use a quality property manager - yes, it costs you money, but if you get a bad tenant, they're worth every dollar.
2️. Understand what you can claim at tax time - chat with your accountant who can help you maximise your claim
3️. Plan for expenses beyond the mortgage and have an emergency fund set up - maintenance comes out of nowhere and you need to be prepared
4️. Purchase landlord insurance - your bank will require the property to be insured
5️. Don’t overleverage and allow for vacancy! - it's possible your property will change tenants every year - hopefully not! - but possible

We help investors set things up right from the start.

28/04/2026

❓ Feeling overwhelmed with finance for a new purchase?
❓ Not sure whether your existing lender is offering you the best outcome?
😊 Want a free service to help you navigate lenders and loans?

We don't generally* charge a fee for our services. You can come to us (and keep coming back to us!) and our cost to you is always nil.

How do we get paid then? We are paid a commission by the lender after your loan settles. At Ruby Sky Finance, we've made a decision that we won't charge our clients an out of pocket cost as the lender commission is adequate payment for our business model.

By not charging a fee, we can help more people and also help those who think they don't have the capacity to pay for our advice. Even if you don't proceed with an application immediately, maybe we've given you peace of mind and the confidence to recommend our services to a friend.

You're welcome just to ask our advice. And if it works that you can be better off by taking our advice and letting us help you with your application to the lender, then that's great for both you and us.

No upfront costs, no obligation — just expert help, start to finish.

*to be fully transparent, for super complex applications and commercial loans we do charge a fee and we're upfront about that from the minute you contact us.

26/04/2026

The Help to Buy scheme is where you buy a home together with the Government. It means you can buy a higher value property with a lower value deposit that gives you home loan repayments that are more affordable.

We don’t recommend it for everyone and it’s not always in your best interest to own a property with another party, but for the right applicants, this is an awesome way to home ownership.

Here are some details:
🏠 The Government can contribute up to 40% of the purchase price for a new home, or up to 30% for an existing home
💰 You may be able to buy with as little as a 2% deposit
📍 Property price caps apply by state and region, and more participating lenders are joining the panel

We reiterate - this isn’t for everyone - but for eligible buyers it can mean a much more realistic path into the market.

If you chose this path, our main goal for you is to buy out the Government at some stage during the 30 year loan term and own the property for yourself. We work with you, step by step along the way, to achieve this goal.

Want to know whether Help to Buy, the 5% Home Guarantee, or a standard loan is the better fit? That’s where we come in.

Address

Suite 1, Level 1, 42 George Street
Launceston, TAS
7250

Opening Hours

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

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