September Newsletter

September Update

Thank You for being a valued member

Take total control over your financial destiny with est Financial’s personalised strategies, including wealth management, tax optimisation, and mortgage acceleration, and apply them consistently throughout your life.

Team at est

Cassandra Hanna

Queensland General Manager

Cassandra is all about guiding people through the property journey in a way that feels clear, supportive, and personal. She’s not just about the numbers; she’s an empathetic, results-driven force who believed so deeply in EST Financial’s mission that she packed up her life and moved north to Queensland. For her, this wasn’t just a career move; it was a personal commitment to be closer to the clients she serves, to build a stronger presence, and to make sure people feel truly supported as they plan their future in property.

What makes Cassandra such a valuable guide is her background as both a licensed mortgage broker and a licensed real estate agent. She understands the finance side of property just as well as the buying and selling side, which means she can see the whole journey through your eyes. Cassandra knows what it feels like to balance loan structures with real-world property choices, and she takes pride in breaking down the complicated parts into something simple and empowering.

On top of this, Cassandra also leads property management for our clients. an area where her care and attention to detail really shine. She personally oversees tenant screening, lease agreements, and day-to-day management to ensure properties are looked after and investments remain secure. For clients, this means peace of mind: knowing the right tenants are in place, that issues are handled quickly and professionally, and that their properties are maintained to the highest standard. Cassandra’s philosophy is simple. when tenants feel respected and supported, owners enjoy stronger, more reliable returns.

For our clients, this creates a seamless experience. Whether it’s financing, purchasing, or managing a property, Cassandra has the expertise and genuine care to guide the entire journey. Every conversation with her is about more than numbers on a page. it’s about your goals, your lifestyle, and your peace of mind. She draws on her experience to give you confidence, helping you avoid the overwhelm and focus on what really matters: creating the future you want.

Hottest News

3.6% CASH RATE?!!!, what should we do and how do we survive this

The Reserve Bank of Australia has cut the cash rate to 3.60%, signaling a moderating inflation trend and a boost for the economy. Discover what this means for your mortgage, savings, and financial future, and how to navigate the evolving economic landscape.

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How Negative Gearing Affects the Australian Property Market

Unravel the complexities of negative gearing and its profound impact on the Australian property market. Discover how this strategic tax deduction shapes investment, influences property values, and what it means for your financial journey.

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What a Residential Sales Jump Can Teach Us About Wealth?

Unlock the secrets to wealth from Stockland’s booming residential sales! Discover how strategic moves and market dynamics can lead to significant financial growth.

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Client Testimonials

Case studies

How One Family Used Smart Debt Restructuring to Kickstart Their Investment Portfolio

When it comes to building long-term wealth, the right loan structure can make all the difference. Recently, we worked with a couple from Rydalmere, NSW, whose main goal was simple but powerful:

Restructure their mortgage and personal debts, release equity from their home, and use it to purchase an investment property — creating a foundation for financial freedom through to retirement.

Step 1: Restructuring Their Home Loan and Clearing Debts

The first step was to refinance their owner-occupied home loan to secure a better interest rate and consolidate all personal debts. By rolling everything into one streamlined mortgage, they not only reduced their repayments but also freed up equity for the next stage of their plan.

● Loan Split 1: $710,000 P&I (Owner-Occupied) to refinance the home loan and consolidate all personal debt
● Loan Split 2: $230,000 I/O (Investment) cash-out for the deposit and costs on their new investment property

With a strong loan-to-value ratio (LVR) of just 50%, they were in an excellent position to leverage their equity.

Step 2: Funding the Investment Property

The couple had already executed contracts on a new house and land package in QLD:

● Land: $525,000
● Build: $429,840
● Total Loan Sought: $763,872 (80% LVR)

The $230,000 equity release from Step 1 covered the 20% deposit and costs for the new investment, allowing them to move forward without dipping into other savings.

Step 3: Long-Term Strategy and Retirement Goals

Both clients are in long-term PAYG employment, married with three adult children. Their focus is clear:

● Restructure debt for efficiency
● Invest in quality property for capital growth and future rental income
● Build a portfolio that generates wealth well into retirement

Overcoming a Credit File Hiccup

During the process, an old credit card account appeared on the client’s credit file, showing a small delinquency. The client believed the card had been closed years ago, but fees had continued accruing. This was quickly resolved by contacting the company to arrange immediate closure and obtain a closure letter. Importantly, the issue did not reflect their overall financial conduct, which has been consistently strong.

Key Takeaway:

Smart debt restructuring isn’t just about refinancing. It’s about creating the right structure to support your next financial move. In this case, the couple turned their home equity into an investment opportunity without overextending themselves. With the right plan, their mortgage now works for them, not against them, setting them up for a stronger retirement.

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We value your feedback and would love to hear from you. Please email us at info@est.com.au to share your thoughts on how we can further enhance our service. Our commitment is to deliver a seamless experience and achieve outcomes that may not have been possible without our expertise. Your insights are invaluable, and we welcome every opportunity to listen, learn, and improve.