Ruby Sky Finance

At Ruby Sky Finance we believe that generosity, and the kindness it comes from, makes a difference in the world.

We believe that when you help others, it shapes who you are and you will genuinely be better for it. Lifting up someone else, lifts you up.

While we focus lots on being financially savvy and using your money well for yourself, giving to others is also important.

Acts of generosity and giving don't need to be big. (They can be big!) But if it feels hard, start small. It looks like few coins given to someone shaking a can on the street, attending an event put on by a local charity or a few dollars given to a go fund me campaign for someone in need.

It's important to us that part of the money we earn as a company goes to support others in need, and for us that is supporting organsiations like Be Hers Jude's Cafe International Justice Mission Teen Challenge Tasmania among many others.

We challenge you to find your mission, your spirit for giving, your passion for what you think needs to be fixed in the world, and put your money where your mouth is. We all see the benefit when we are generous with our time and money.

🏡🐾 Let’s find a backyard that’ll make your dog smile!

Because house hunting isn’t just about you… it’s about those happy zoomies too! 🐕💨

Whether your dream home has:
🌳 A big grassy yard
🏖️ A beach nearby
🦴 Room for a bone collection
🚪 Dog-friendly doors

… we’re here to help you finance the perfect place — for ALL members of the family. 🐶💛

💬 Curious about your options? Got questions about buying, refinancing, or property plans?

✨ Let’s have a FREE Discovery Call — no strings attached, just good guidance.

Sometimes the first step is just having a conversation. I’m here to help you get clear, feel confident, and move forward.

🗓️ Click here to book your FREE call with our fab broker, Joel: 👉 https://calendly.com/joel-rubyskyfinance/quick-phone-chat?back=1

Due to the late announcement that the stamp duty waiver would not be rolled forward, there are first home buyers who may lose money when they’re unable to find the extra thousands of dollars they will need if they don’t settle on 30th June 2026 Jeremy Rockliff Michael Ferguson

🏡 We don’t just finance cookie-cutter homes! 🎉

Looking at something a little outside the box?

We’ve got lender options for:
🌳 Rural acreage
🚜 Working farms
🍇 Vineyards
🏢 Commercial buildings
🏭 Industrial factories
🏘️ Community-title apartments
🎿 Ski lodges on Crown land
🎓 Student accommodation
🏠 Display homes
🏡 Tiny homes
🏖️ Over 55 retirement lifestyle homes.. and so much more! 🚀

The thing is — these types of properties often come with unique lending rules and restrictions.

💬 Before you dive in, let’s chat so you know exactly what’s required and which lenders will say YES ✅

Whatever you’re dreaming of buying — we’ll give you the lowdown. 📞

Buying new vs buying established? It may now matter more than ever. 🏗️🏡

If you’re buying an investment property, the type of property you choose may now have a bigger impact on your loan approval.

Following the recent Budget announcement, some lenders are already adjusting how they assess negative gearing.

The biggest difference appears to be between:
🏡 Established investment properties
🏗️ Eligible new builds
🔄 Refinances of existing investment debt

Some lenders may still allow negative gearing benefits for eligible new builds, while established properties may be treated differently depending on contract dates and lender policy.
This could make a real difference to your borrowing capacity. 💰

Before you fall in love with a property, it’s worth checking whether your finance strategy still stacks up.
Because no one wants to find out after signing the contract. 😬

📲 Thinking of buying an investment property? Let’s run the numbers before you start making offers.

🚨 Is the ATO knocking on your door?

We know the stress and anxiety that tax debt can cause for small business owners. You’re not alone — and you do have options.

We can help you:
✅ Restructure your loan
✅ Consolidate tax debt
✅ Free up cash flow
✅ Give your business the breathing space it needs to thrive again.

💬 Don’t sit in silence — early advice can make a BIG difference. If this sounds like your situation, reach out today.

Supportive. Confidential. Solutions-focused.

👩‍💻👨‍💼 Self-Employed? Here’s something you need to know about borrowing:

Banks assess your income based on your TAXABLE income — NOT your gross revenue.

👉 Your accountant’s job is to help you (legally) minimise your taxable income through business deductions — which is great for tax time… BUT be careful:
The higher your expenses → the lower your taxable income → the lower your borrowing capacity.

If you’re thinking about borrowing in the next 12 months:
✅ Chat with your accountant & your broker NOW
✅ Plan ahead to ensure your business financials align with your borrowing goals
✅ Avoid surprises when it’s time to apply

Being proactive today can help you borrow smarter tomorrow. 💡

✨ Today is your opportunity to build the tomorrow you want.

Whether it’s buying your first home, upgrading, investing, or simply improving your financial knowledge and making a budget — small steps today create big changes tomorrow. 🌱

Your future self will thank you for starting now. 🚀

📚 Term of the Week: Substitution of Security (also called Loan Portability)

What is it?
It allows you to keep your existing home loan when buying and selling — by simply swapping the property the bank holds as security! 🏡➡️🏡

Think of it like this: you’re “swapping out” one property for another, keeping the same loan.

Key things to know:
✅ The property swap must happen on the same day. The formal term is simultaneous settlement and it will take some negotiation across all parties for a settlement date that works for you as well as the other parties. It's a little tricky but not impossible if you're upfront with your solicitor, purchasers and sellers.
✅ Your loan amount stays the same or reduces
✅ Your LVR (Loan to Value Ratio) position must stay the same or reduce - so you're buying a home that is the same or lower value than your current property
✅ Your loan term remains unchanged (no variations)
✅ The good news — generally no full loan reassessment is required 🙌, just some bank forms + valuation of the new property to confirm LVRs.

✨ This is a great way to avoid refinancing costs and keep your loan history intact when upgrading or downsizing!