Empowering you to make savvy money and home loan decisions.

Making The Little Things Count

ABOUT US

One stop destination for aspiring home owners, investors and money grandmasters.

We believe you can have it all; the house deposit, the investment property, bottomless brunch and the Europe trip – after all it’s not how much you earn, but how many of your pennies you save and what you do with them over time that matters most. Yes house prices are crazy high but this is a long term game – with the right support, a killer plan and some patience – together my savvy friend we will transform your relationship with money so that you can create the life you deserve.

%

of Australians are financially stressed

%

of Australians spend more than they earn

%

of Australians don’t have money when they retire

WHAT WE DO

A penny saved is not a penny earned if at the end of the day you still owe a quarter.

Penny Finance exists to help you design a clear pathway from where you are today to exactly where you want to be. Whether you’re drowning in debt, starting your first home buying journey, looking to invest, or simply want to know you have the absolute best home loan on the market – We see you, we hear you and we understand what’s most important to you. Working with us will leave you feeling empowered to make confident, smart money decisions . Here’s how we do it.

PENNY, SET, GO... HOME LOAN CONSULT

You’ve worked so hard to save your pennies and now you’re ready to make the leap into buying your first (or tenth) property - this process should be simple and pain free and that’s why working with a great Mortgage Broker is so important.

PENNY WISE - REFINANCE

The word Mortgage literally translates to “death pledge” (insert smacking face emoji) and it's no secret the wrong home loan can cost you a lot of money. Not to worry, Our Home Loan Health Check is there to make sure that your loan is the right one for you, your life stage and your overall financial plan.

PENNY PLAN - FIRST HOME BUYERS

You are dreaming about having your own home in the near future and have started saving. At this point, you’re probably wondering if an appointment with a mortgage broker so early in the process would be warranted, but you’re so keen to understand how much of a deposit you need and what your borrowing capacity actually looks like. aka how much money the banks will lend you.

PENNY POWER SESSION - COUPLE

Let's get you and your significant other thinking and working harmoniously when it comes to money so that you can achieve your shared money goals. Whether that be creating a strategy to pay down your debt, creating a cash flow plan which will see you saving more and smashing those money goals sooner.

PENNY POWER SESSION - INDIVIDUAL

The Penny Power Sessions is the starting point when it comes to all things budgeting and cash flow. We will help you to organise your money and your life so that you can feel on top and in control.

Not sure where to start?

Want more info? Want to chat with us? – Schedule a free 15-minute discovery call to speak to our team of money experts. That way we can help point you in the right direction!

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START YOUR FINANCIAL JOURNEY WITH US

New Home Loan

PENNY. SET. GO.

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Existing Home Loan

PENNY WISE REFINANCE

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First Home Buyers

PENNY PURCHASE PLAN

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Budgeting & Cashflow

PENNY POWER SESSION

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PENNY DISCOVERY CALL

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Meet Morgan

Morgan Owen, Founder of Penny Finance is an expert in all thing’s loans, mortgages, finance and personal cash flow.

She is a young, energetic, driven entrepreneur who challenges the status quo and finds it very hard to take no for an answer (sorry banks but I will find a way).

A planner and organiser at heart, a thinker, a solution finder, Morgan uses her empathy as her superpower to connect and inspire those around her and to get results, plan for success and build financial independence.

Oh, and she loves the Gym, RuPaul’s Drag Race, pinot noir… and her girlfriend (she made us add this in).

PENNY FOR YOUR THOUGHTS

A little over 18 months ago my wife Sam and I were given Morgan’s details to help us out with our finances . From the first meeting with Morgan we found her to be extremely knowledgeable and passionate about the finance world . The best thing about her was her drive , but not for herself but for how to improve our situation . Without the help and assistance she has given us we would not be where we are today which is in a far better position that we were previously. Morgan is someone who we trust and feel very comfortable with and this was right from the very first meeting that we had which for us is a very important feeling to have. We have no hesitation in recommending Morgan to assist when it comes to her area of expertise.

PAUL AND SAM MORAN

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Morgan assisted me with my first home loan, she was fantastic throughout the whole process from my initial query to settlement day. She made the process smooth and easy, kept me up to date at all times with my loan’s progress, and made the technical jargon easy to understand. I highly recommend Morgan for anyone needing a mortgage broker

SAMANTHA CARTER

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Morgan has been helping our family achieve our financial goals over the past 5 years. She has always offered us guidance along the way which has helped our family to be set up securely and safely for long term. Definitely recommend Morgan to anyone who needs to get assistance getting on the right path to financial security.

GEMMA LOWMAN

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We’ve been working with Morgan for over three years now on multiple property purchases / sales. She’s shown us a whole new approach to cash flow and paying off our home loan which enabled us to buy our dream home down the coast. We were truly blessed to have had Morgan on our side at all times. We felt truly supported knowing we were in good hands!

ANDREW BROMELL

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Working with Morgan could not have come at a better time for my partner and I. We have been saving hard and have our sights set on investing in a property. We were unsure if an appointment with a mortgage broker so early in the process would be warranted, but we were interested to know what figure (deposit wise) we should be working towards and what our borrowing capacity could look like. Morgan was excellent, she did a deep dive into how we are currently managing our cash flow, ran through different scenarios, revealed where we could improve and gave us recommendations for how we could achieve our goals sooner. Thanks to Morgan, we are now feeling confident, motivated and empowered to keep saving towards achieving our first property. I would highly recommend Morgan no matter how far you think you have to go, I have no doubt that Morgan can provide valued insight and expertise to suit an individual’s situation.

LAUREN & BEN

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Morgan is passionate about improving people’s lives and making a real difference to their finances. She is genuine and always conducts herself with integrity making it a pleasure to refer on to her.

BEN HERTZOG

PROFESSIONAL REFERRAL PARTNER

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I’ve now worked with Morgan on multiple property transactions, and the biggest standout for me is Morgan’s communication. I’m always kept up to date with the progress of the deal. Finding a good broker is hard, but with Morgan, she delivers on everything she says. Highly recommended!

How couples handle financial decisions can be highly personal, Morgan managed our couple these conversations with ease and professionalism.

STEVEN SPITERI

PROFESSIONAL REFERRAL PARTNER

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I met Morgan less that a year ago when she helped me to refinance my mortgage. I thought I had decent financial knowledge, however she revolutionised my finances. Within a year, I have been ticking off goals ahead of schedule, have cancelled my credit card and can sleep easy knowing that I’m ahead on my mortgage repayments and am no longer living week to week. Highly highly recommend Morgan’s services!

ALYSSA

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PROFESSIONAL PARTNERSHIPS

Not sure where to start?

Want more info? – Want to chat with us? – Schedule a free 15-minute discovery call to speak to our team of money experts. That way we can help point you in the right direction!

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