DNA Finance Pty Ltd

Name: DNA Finance Pty Ltd
Address: L7 189 Street Georges Terrace Perth, Perth, WA, 6000, AU
Telephone: +61449997147

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DNA Finance Pty Ltd

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Simplifying Finances, Empowering Futures| Expert Advice | Smart Investments | Tax & Wealth Solution

29/09/2026

📢 RBA CASH RATE INCREASED BY 0.25%
The Reserve Bank of Australia has today, 29 September 2026, increased the cash rate by 0.25% (25 basis points), from 4.35% to 4.60%. The RBA says inflation remains elevated and monetary policy needs to remain restrictive to help bring inflation back towards target. Reserve Bank of Australia
🏠 What could this mean for Australian homeowners?
If your lender passes on the full 0.25% increase, borrowers on variable-rate home loans could see their repayments increase.
For illustration, on a 30-year principal & interest loan, assuming the interest rate increases from 6.00% to 6.25%, the approximate additional monthly repayment would be:
- $100,000 loan → +$16/month
- $500,000 loan → +$81/month
- $750,000 loan → +$121/month
- $1,000,000 loan → +$162/month
For a household with a $750,000 mortgage, that's approximately $1,450 extra per year if the full increase is passed on and other loan assumptions remain unchanged.
🇦🇺 How could higher rates impact Australians?
Higher interest rates generally mean higher repayments for variable-rate borrowers, while fixed-rate borrowers may not feel the impact until their fixed period ends. Higher borrowing costs can also reduce borrowing capacity for new buyers, put additional pressure on household budgets and encourage households to reduce discretionary spending. This slowing in demand is part of how higher interest rates are intended to help bring inflation down over time. The RBA has previously noted that tighter financial conditions have been slowing consumer spending and housing activity. Reserve Bank of Australia
💡 This may be a good time to review your home loan.
Your current lender isn't necessarily your only option. Depending on your circumstances, reviewing your loan could identify opportunities around:
🏡 Refinancing
💰 Interest rates and repayments
🔄 Debt consolidation
🏠 First-home buyer options
🏗️ Construction & Home and Land
💼 Self-Employed & Alt-Doc lending
🏢 SMSF & Commercial lending
Want to know whether your current home loan is still competitive?
📞 Nish Vyas – Finance Broker
044 999 7147

26/09/2026

💜⚓ GO FREO! IT’S GRAND FINAL DAY! 🏆
Today, there’s only one thing on my mind… GO FREO! 💜⚪
🏉 Grand Final day is today — mortgages can wait until tomorrow! 😄
Whether you’re looking to:
🏠 Buy your first or next home
🔄 Refinance your existing loan
📈 Finance an investment
🏢 Purchase commercial property
I’m here to help you find a finance solution that suits your goals.
For today, I’ll be cheering for Freo. Tomorrow, we can talk mortgages! 😂💜
📞 0449 997 147
📧 [email protected]
Nish Vyas | Finance Broker
FundingAce — Smarter Finance. Brighter Futures.

12/08/2026

🏡 SELF-EMPLOYED? Getting a home loan doesn’t have to be complicated.

If you run your own business, you may already know the frustration of being asked for multiple years of financials, tax returns, Notices of Assessment and additional paperwork just to demonstrate your income.

But not every lender assesses self-employed borrowers the same way.

At Funding Ace, I can help explore lending options that may offer more flexibility, including:

✅ 1 year of financials with some lenders
✅ Alternative documentation (Alt Doc) options where eligible
✅ Options that may not require traditional tax returns or NOAs
✅ Access to Prime, Near Prime and Specialist lenders
✅ Solutions for home purchases, refinancing and investment lending

The key is finding a lender whose credit policy fits your circumstances, rather than trying to make your circumstances fit one bank's policy.

👨‍💼 Nish Vyas | Finance Broker
📞 0444 999 7147
🌐 fundingace.com.au
📧 [email protected]

💬 Self-employed and wondering how much you could borrow? Send me a message and let’s explore your options.

Eligibility, lending criteria, terms and conditions apply. Documentation requirements vary between lenders and individual circumstances.

13/06/2026

🚨 7 Costly Mistakes People Make When Building a Home (And How to Avoid Them) 🏡🔨

Building a home can be one of the most exciting journeys you'll ever take—but it can also become expensive if you don't plan properly.

Here are the most common mistakes I see first-home buyers and upgraders make:

❌ Mistake #1: Falling in love with a home design before knowing your budget.
✅ Get a finance assessment or pre-approval first.

❌ Mistake #2: Forgetting about hidden costs.
✅ Allow a contingency buffer for site works, fencing, landscaping, air conditioning, floor coverings and other extras.

❌ Mistake #3: Choosing the cheapest builder.
✅ Compare inclusions, reputation, build quality and financial stability—not just price.

❌ Mistake #4: Spending your savings before settlement.
✅ Keep your funds available until settlement and construction are well underway.

❌ Mistake #5: Not understanding progress payments.
✅ Know how construction loans work and budget for possible variations.

❌ Mistake #6: Making major financial changes during construction.
✅ Avoid new loans, increasing credit card limits or changing jobs without first seeking advice.

❌ Mistake #7: Getting finance advice too late.
✅ Speak to a broker before signing a land or building contract.

💡 Real Example:
A client budgeted $700,000 for land and construction. Once site costs, fencing, landscaping and upgrades were included, the total increased by another $35,000. Fortunately, they had planned ahead and built a contingency buffer into their budget.

📌 The most successful home builders aren't always the ones with the biggest budgets—they're the ones with the best planning.

If you're considering a land and build package, construction loan, or simply want to understand your borrowing capacity, feel free to reach out.

📞 044 999 7147
📧 [email protected]

13/05/2026

WA Stamp Duty Changes 2026 – First Home Buyer Boost
Bigger Savings for WA First Home Buyers

The Western Australian Government has announced major stamp duty relief measures as part of the 2026–27 State Budget, helping more first home buyers enter the property market sooner.

Key Changes Effective from 7 May 2026*
🏡 Established & New Homes

✅ No stamp duty for eligible first home buyers purchasing homes up to $600,000
⬆ Previous threshold: $500,000

✅ Concessional stamp duty rates now available for homes valued up to $800,000

🌱 Vacant Land Purchases

✅ No stamp duty on vacant land purchases up to $450,000
⬆ Previous threshold: $350,000

✅ Concessional rates available on land valued up to $550,000

💰 First Home Owner Grant (FHOG)

✅ FHOG property cap increased from $750,000 to $800,000

✅ Eligible first home buyers may still receive the $10,000 grant when building or purchasing a new home

🏗 Off-the-Plan Concessions Extended

✅ Off-the-plan stamp duty concessions extended until 30 June 2028

Estimated Savings

💸 Savings of up to $22,515 for eligible first home buyers purchasing a home

💸 Savings of up to $25,390 for eligible house & land package buyers

02/03/2026

As we gather around the sacred fire of Holika Dahan, we are reminded of a timeless truth — that courage, integrity, and light always rise above fear, confusion, and uncertainty.
This festival is more than a ritual; it is a moment of reflection. A moment to release what weighs us down, to let go of doubts, and to step into a new season with clarity and purpose.
At Fundingace, we see this spirit reflected in the journeys of the families and individuals we support every day. Just as Holika Dahan symbolises the triumph of good over negativity, we believe in helping people rise above financial complexity, misinformation, and hesitation — guiding them toward decisions that bring stability, confidence, and long‑term peace of mind.
May the flames of this evening burn away every obstacle standing in the way of your growth.
May your home be filled with safety, warmth, and renewed hope.
And may this new beginning open doors to opportunities, prosperity, and meaningful progress for you and your loved ones.
Wishing you a blessed, peaceful, and deeply meaningful Holika Dahan — from the entire Fundingace family.

16/01/2026

Top 10 in Western Australia! 🌟

I’m thrilled to be named one of Finsure’s Top Brokers for Residential Lending in November. A massive thank you to my amazing clients and partners for your continued trust and support. 🤝

Results like this are only possible because of you!

📍 www.fundingace.com.au 📧 [email protected] 📞 044 999 7147

03/01/2026

Self-employed? Don’t let complex paperwork stand in the way of your property goals! 🚀

✅ ABN less than 6 months? We can help. ✅ No full business financials? Use your NOAs instead. ✅ Director wages? Get assessed as a PAYG earner.

We make the complex simple. Reach out to the team at Funding Ace! 🤝

29/12/2025

Want to skip the 10-year savings plan? 🏃💨

Buying from family isn’t just a "nice gesture"—it’s a powerful financial move. ✅ Instant Equity ✅ No Bidding Wars ✅ Better Borrowing Power

Example: Market Value $800k → Purchase Price $500k = **$300k Instant Equity.** 🤯

Don't let the "Government Rules" like Stamp Duty catch you off guard. Work with a broker who knows the ins and outs of non-arm's length deals.

Get started with Funding Ace:
☎️ 044 999 7147 📧 [email protected] 🌏 www.fundingace.com.au

27/12/2025

Your dream home is closer than you think. ✨

Think you’re stuck renting because you don’t have a massive deposit? Think again! From 5% deposit schemes to family guarantees, there are multiple ways to bypass the 20% hurdle and avoid LMI.

Whether you’re buying established or building from scratch, I’m here to help you navigate the system.

Don't wait—let’s talk numbers today. 👤 Nish Vyas | Funding Ace
📱 044 999 7147 🌐 www.fundingace.com.au

Address

L7 189 Street Georges Terrace Perth
Perth, WA
6000

Telephone

+61449997147

Website

https://www.fundingace.com.au/

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