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Karan Awasthi - Finance Broker

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Australia
Craigieburn, VIC
Karan Awasthi - Finance Broker

Make an informed decision about your next loan with free and impartial advice.

05/04/2026

Happy Easter from us to you 🐇🐣

We hope you have the opportunity to relax, recharge, and spend time with family and friends.

Wishing you a safe and enjoyable Easter break.

07/02/2026

💡 Update: Australian Housing Market

As we move through the rest of 2026, confidence in the housing market remains strong across much of Australia.

New data from Cotality shows that 87% of real estate and finance professionals expect home values to rise over the next year, with almost half forecasting a price growth of more than 5%.

More than 75% of agents report increased interest from first-home buyers, supported by expanded government schemes.

As always, outcomes will depend on how local supply, demand and affordability evolve.

01/01/2026

Wishing you and your loved ones a happy and healthy New Year.

Thank you for the trust and support over the past year. Whether you’ve been planning, building, reassessing, or simply getting through it, we’ve been grateful to be part of the journey.

Here’s to a positive year ahead.

– From our family to yours

25/12/2025

Wishing you and your loved ones a joyful, restful holiday season.
Thank you for your continued support this year - especially to those building new beginnings, making big decisions, or simply working towards better financial wellbeing. Here’s to a bright year ahead.

- From our small family to yours

26/11/2025

A big thank you to Vinay for the lovely feedback. We're so pleased we could help you find the right home loan, and it’s great to hear that our support made a difference.

24/11/2025

New data from the ABS shows home loan intentions have surged 46% since March, with 11.46% of Aussies now planning to take on a mortgage.
At the same time, the number of people saying they don’t plan to take on new debt has dropped by almost 10%.
According to Agile Market Intelligence, the expanded First Home Guarantee, which started in October, lets first home buyers get into the market with just a 5% deposit and no LMI, has been a driver of the increase.
It’s also triggered a spike in home-buying plans. Among non-owners, the number planning to buy within 12 months jumped 77% between March and September.

22/11/2025

A huge thank you to Lokesh for your kind words and continued trust. We’re truly grateful to have been able to support you again — especially with something as important as your refinance.

It means a lot to know that our efforts made the process easier for you. Helping people navigate finance with clarity and confidence is exactly why we do what we do.

Thank you for choosing Finway, again.

19/11/2025

Upgrading your tools or machinery? Equipment finance can help - but it’s easy to get caught out.

Here are 5 things to watch:

⚠️ Don’t just look at the interest rate
Extra fees and balloon payments can add up.

⚠️ Match the loan term to the equipment’s life
You don’t want to be paying for it long after it’s useful.

⚠️ Don’t overbuy
Stick to what your business needs- not just the latest model.

⚠️ Get pre-approved
It makes the process smoother and gives you a clear budget.

⚠️ Speak to a specialist
The right structure can save you time, tax and stress.

01/09/2025

When applying for a home loan, one key figure lenders look at is your LVR—Loan-to-Value Ratio. But what does it actually mean?

📊 LVR = The amount you're borrowing ÷ the property value × 100

For example, if you're buying a $600,000 home and borrowing $480,000, your LVR is 80%.

🔑 Why it matters:

Lower LVR (e.g. 80% or less) = Less risk for the lender → Better rates, no Lenders Mortgage Insurance (LMI)

Higher LVR (above 80%) = More risk → You may pay LMI, and possibly higher interest

💡 Tip: A larger deposit doesn’t just reduce what you owe—it can actually save you tens of thousands in the long run.

Understanding your LVR helps you plan smarter, whether you're buying your first home or refinancing.

30/08/2025

Choosing between a fixed and variable loan rate isn’t just a numbers game—it’s about matching your loan to your lifestyle and risk comfort.

Here’s how they differ:

🔒 Fixed Rate

Your interest rate stays the same for a set period

Predictable repayments—easy for budgeting

Less flexible: limited extra repayments or redraw options

May include break fees if you exit early

🔄 Variable Rate

The interest rate can rise or fall over time

More flexible: make extra repayments, use offset accounts

Can benefit if rates drop—but costs can rise if they increase

💭 Think about:

Do you value certainty or flexibility?

Are you planning to sell or refinance soon?

How would a rate rise affect your repayments?

Understanding how rate types work helps you make clearer, more confident loan decisions—now and down the line.

28/08/2025

A good credit score doesn’t just affect whether you’re approved for a loan—it can also influence the interest rate you’re offered.

Here’s what shapes your score in Australia:

✔️ Repayment history – Have you paid your bills and loans on time? This has the biggest impact.
✔️ Credit enquiries – Too many applications in a short time can be a red flag to lenders.
✔️ Credit limits – Having high available credit (even if unused) may impact your score.
✔️ Type of credit – A mix of home loans, personal loans, and credit cards is seen differently.
✔️ Defaults – Missed repayments and defaults can stay on your file for years.

💡 Tip: Even if you're not planning to borrow right now, maintaining a strong credit profile can save you thousands down the track.

Understanding your credit score is part of managing your financial wellbeing—not just getting a loan.

Address

Craigieburn, VIC

Opening Hours

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

Telephone

+61456416238

Website

https://form.jotform.com/223233751612044

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