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 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. We tailor these sessions and focus on what is most meaningful to you. Whether that be creating a strategy to pay down debt or designing your personal cash flow plan which will see you saving more and achieving your goals sooner! 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!

PENNY PLAN (FIRST HOME BUYER)

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 in the process 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. 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 Buyer

Your first home purchase should be simple and exciting, but with so much information and finance jargon out there it can feel completely overwhelming. How do you even save for a deposit?

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. A Couples Penny Power Session will dive into your individual money stories, your shared or possibly conflicting values and beliefs about money to uncover the best way to prioritize and manage your big (and small) money decisions. You’ll walk away from this session with a clear pathway forward including tangible tools and recommendations you can implement straight away!

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. This consultation is designed to get a better understanding of you and where you’re up to in the process, give you an opportunity to ask all the important questions and share the Penny approach to finance. Whether you’re looking at purchasing your first home, upgrading, or buying an investment property, we’ll find you the perfect fit – saving you a pretty penny.

PENNY WISE (HOME LOAN CHECK IN)

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. With us, it is not just a transaction, we are here to transform your home loan into a debt reducing machine. Our Approach to home loans could honestly save you hundreds of thousands!

Also, if paying off your home loan quickly isn’t your thing, we also partner with all the major lenders to ensure we find you the perfect fit!

HERE’S HOW YOU CAN START YOUR FINANCIAL JOURNEY WITH US

PENNY

PENNY
WISE

PENNY

POWER SESSION

PENNY

PENNY
PLAN

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 me 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

REFERRAL PARTNERSHIP
LET’S CONNECT

send us a message

CONTACT US

 

WHERE TO FIND US:

level 1/190 Coventry St,
South Melbourne,
VIC 3205

EMAIL US AT:

morgan@pennyfinance.com.au

CALL US AT:

Phone: (+61) 0459 595 999
Mobile: (+61) 0459 595 999
Fax: (+63) 555 0101

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