Building Wealth by Example
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Our way - the RealWay, is to be with you every step along the way. From initial consultation, to settlement and many years beyond, we wish to make your experience of property purchasing easy, unique, educational and exciting. We take care of all the paperwork and are always available to answer questions along your way!
You are unique!
Everyone is unique, same as financial situation and choice. Decision you make today will make huge difference to your future. That’s why we are here, helping you get ready for today and plan for tomorrow. We take time to listen to your needs, assess your financial ability, structure the right loans and help you to make decision that you will not regret in the years to come.
We care about our clients.
We value our clients’ trust, and strive to build long –lasting relationship with our clients.
We are paid by the respective lender, our service to you, is a complimentary service. We do not charge fees for credit or structure advice or to find you the suitable deal each and every time. Annual reviews of your loans are at no cost either.
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At RealWay Finance, we dream your dream.
We provide mortgage broking services to property investors and home buyers. We help, advise and empower our clients along the journey of property investing, through our professional knowledge, hands-on experience and real passion.
RealWay, your way, our way.
Junmin (Eric) Wu
Director, Mortgage Broker at RealWay Finance Pty Ltd
Junmin (Eric) WU is a credit representative (490993) of Mortgage Specialists Pty Ltd (Australian Credit Licence 387025)
MFAA Full Member Number 304158
Services
Property Investors
Assisting property investors reach their goals
At RealWay, we are investors ourselves so we understand the journey you're on.
We take the time to understand your goals, and your strategies to get there through property investing. We find the right loans and structure them correctly to suite your strategies.
Home Buyers
The best loans and rates for your needs
Every home owner is different. We make sure we understand your needs in a home loan for your unique situation. This could be fixed, variable, a mixture or just the loan with the lowest interest rate. We make sure we advise you on your options and what will be of greatest benefit to you now - and in the future.
Refinancing
Save on your current rate or access your equity
We do complimentary checks on your loan(s) to see if you can get a better loan product, access equity or should change banks to get a better deal.
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latest news and insights
Here's what's going on in the world of finance and property.
Aussie home owners just got $82,000 richer on average
What a way to start the new year! After a strong 12 months in the property market, plenty of homeowners around the nation are now a whole lot wealthier. And their newfound increase in home equity has opened up some exciting possibilities for 2026.
Your home isn’t just a place to live in, it could also be a cornerstone of personal wealth.
2025 proved this in spades.
At a time when holiday spending means many of us may not be feeling particularly wealthy, a rise in your home’s value could see you $82,200 richer (on average) as we head into 2026, according to PropTrack.
Let’s take a look at what’s happening, and how you could put all that equity-driven wealth to work.
2025: a bumper year for homeowners
Australia’s housing market finished 2025 on a record high, spurred on by rate cuts, increased investor demand and expanded home buyer incentives, says PropTrack.
After climbing 8.8% over the year, the national median home value gained $82,200 over the course of the year.
Even bigger gains were recorded in several capital cities.
Sydney’s median value rose by $101,200 through 2025. Brisbane’s median went up $135,900 and Adelaide’s median home price grew by $101,600.
Perth topped the leaderboard of gains, with the city’s median home price rising by an eye-watering $148,100 in 2025.
A few smart strategies could help you get a lot more bang from your higher-home-equity buck! Here are three ideas worth a look.
1. Give your place a makeover
Whether your home is a little too snug for your family’s needs, or it could just do with a thorough refresh, your home equity could help fund the renovation improvements.
Even better, renovations don’t just make your place more liveable, they can also add to your property’s value – making renovations a win-win.
2. Invest in a rental property
Property may not only serve as a long term investment, it could also generate regular rental income plus valuable tax savings (always speak to your tax professional for tailored advice on this).
And if you think you have to be rich to become a landlord, think again.
Teachers, nurses, truckies and cops are among the nation’s most-prolific property investors.
That’s because one trick to becoming an investor is to use your resources wisely.
The good news is that you may be able to use home equity in lieu of cash as a deposit on an investment property.
This may not only let you hang onto cash savings, it could also mean you use one valuable asset (your home) to fund another asset (the rental place), which may also grow in value.
3. Refinance and reap the rewards of a new loan
An increase in your home’s value may offer more than bragging rights around the office water cooler.
It could also help you save on interest on your home loan.
When your home’s value increases, your loan-to-value ratio (LVR – that’s the value of your loan as a percentage of your home’s market value) decreases.
This shift matters because a lower LVR may mean you represent less risk to lenders. And this might see you eligible for a lower interest rate.
Refinancing isn’t just about rate savings though.
Switching to a new loan and lender could help you access new or more suitable loan features.
It could also free up funds for other purposes – anything from giving your kids a quality education, to paying for your next holiday, or consolidating personal debt to streamline your finances.
Talk to us about putting your equity to work
If you’re not making the most of your home equity, it might be time to ask yourself ‘why not?’.
Get in touch today to find out how you could make your home equity work harder.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
