about us

Stop letting money rule your life, instead let money help you run your life.


It’s not a transaction,
it’s a transformation

We believe buying a home is a deeply personal experience. The challenges are real, the stakes are high, and the impact can be transformative. At Penny Finance our advice is uniquely personal and impactful. We are obsessed with people, value, and progress – We make the complex simple.

No matter at what stage in life you are in or what point you are at in your financial journey – we are here to help you take the next step with confidence.


The secret to getting ahead is getting started.

Mark Twain


Book a free discovery session to understand where you fit. Help us understand a little more about you and why you are seeking advice. We will share our approach and give you a chance to ask any burning questions upfront. From here we can suggest the Penny Strategy Session most aligned to your needs.

Home Loan Experts

The home loan process should be simple and pain free and that is why working with a great Mortgage Broker is so important. But unlike traditional Banks and Mortgage Brokers focused on selling you into a product to suit them we believe your home loan is an integral part of your overall financial plan and when used wisely can be so powerful in savings you money, maximising your cash flow and creating wealth.

First Home Buyers – Penny Plan

I genuinely think anything is possible if you have the mindset and a relentless will to make it happen

Morgan Owen

Your first home purchase should be simple and exciting, but with so much finance info out there it can feel completely overwhelming. You are probably wondering if appointment with a mortgage broker so early on in your journey would be warranted, but you’re so keen to understand how much of deposit you need and what your borrowing capacity (aka how much money the banks will lend you) actually looks like and if you qualify for any of the every-changing federal and state grants and bonuses.

That is exactly why we created the Penny Plan for First home buyers. In this session we’ll walk you through the home buying process, deep dive into your budget and cash flow, run through a range of purchasing scenarios, understand your borrowing capacity and set goals and time lines for your all-important deposit! – You will leave this session with the scene set, your questions answered, feeling confident and empowered to keep saving towards your first home.

The cost of the Penny Plan is rebated back to you if after you settle on your new home if you choose us to be your Mortgage Broker. Double WIN!

First Home Buyers


Penny Purchase Plan

Cash Flow and Budgeting Strategy Sessions

You can try to tell me what you value, but once I see your budget, I will show you what you value

Morgan Owen
Where you direct your hard earn pennies is nothing but an indicator of what you value most. All our Penny Power Sessions involve a deep dive into your budget and cash flow to understand where you are at right now to give us clarity on what is most important to you financially. From there we will paint a picture of what we can achieve together, get you organised, develop a strategy, and empower you to act so that you can achieve your financial goals

A budget is you telling your money where to go instead of wondering where it evaporated to

Wondering where your money is evaporating to each month? Fun Fact – most of us are spending what we earn and sometimes, occasionally, every now and again… more than we earn (anyone with credit card debt knows exactly what I am talking about here). Trouble with that strategy? – it isn’t one. Instead, it’s head in sand, hoping that next week, or next month or next year will be better – hoping you’ll earn more, you’ll save more and circumstances will magically change for the better. How about instead of letting money rule your life, let money help you run your life?

A Penny Power Session will dive into your money story, your values and beliefs about money and your money mindset so that we can get your cash working as hard for you as you do for it! You’ll walk away from this session with a clear pathway forward including tangible tools and recommendations you can implement straight away!

Budgeting & Cashflow


Penny Power SessionS

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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Morgan Jewell is a credit representative (508408) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)

Mobile: (+61) 0459 595 999
Email: info@pennyfinance.com.au