Ash Hermiz - Strategic Investor Group

Ash Hermiz - Strategic Investor Group Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Ash Hermiz - Strategic Investor Group, Financial Consultant, Gregory Hills.

Being part of Strategic Investor Group, my goal is to assist as many people as we can to reach their financial property goals.

* Advice
* Mortgage Broker Service
* Buyers Agency

Check out what we do here https://stratgroup.com.au/services/

City to Surf training has begun ….
12/05/2026

City to Surf training has begun ….

What does a 0.25% rate rise actually cost you?Here's the difference on your weekly repayments 👇🔹 $400k $562 ➡️ $578 (...
09/05/2026

What does a 0.25% rate rise actually cost you?

Here's the difference on your weekly repayments 👇
🔹 $400k $562 ➡️ $578 (+$16/wk)
🔹 $550k $773 ➡️ $794 (+$21/wk)
🔹 $700k $984 ➡️ $1,011 (+$27/wk)
🔹 $850k $1,194 ➡️ $1,227 (+$33/wk)
🔹 $1.1M $1,546 ➡️ $1,588 (+$43/wk)
🔹 $1.5M $2,108 ➡️ $2,166 (+$58/wk)

A quarter of a percent. Tens a week. Thousands a year. 💸

📲 DM me to run YOUR numbers.

HECS debt isn't always the villain it's made out to be.In fact, in this case… it worked in our client's favour.Here's wh...
07/05/2026

HECS debt isn't always the villain it's made out to be.

In fact, in this case… it worked in our client's favour.

Here's what most people don't realise: every lender treats HECS differently. And that difference can be worth tens — even hundreds — of thousands of dollars in borrowing power.

For this client, choosing the right lender meant we could:
✅ Refinance 3 existing loan splits
✅ Access $118,000 MORE than the lowest lender option
✅ Release cash for future share market investment

The real win for the client?
→ One loan, one repayment — simplified finances
→ No need to wait years to pay off HECS before accessing the funds they need now
→ Capital working for them today, not sitting on the sidelines

HECS debt doesn't have to hold you back. The right lender, the right structure, and the right strategy can turn what feels like a roadblock into a launchpad.

If you've got a HECS debt and you're wondering how it's impacting your borrowing power — or whether you're with the right lender — let's have a conversation.

City to surf prep ….Where it started …. Recap video coming soon.
26/04/2026

City to surf prep ….Where it started …. Recap video coming soon.

20/04/2026

Did you know? Banks make money from the gap between what you pay and what it costs them to lend.

They're not going to close that gap voluntarily.

That's why we negotiate on behalf of every client — every 3 to 6 months.

Not once. Not when you ask. Every few months.

If your broker isn't doing this, you're leaving money on the table.

How much? Message me and let's find out.

17/04/2026

First home buyers are asking the wrong question.

"How much deposit do I need?"

The right question is — "How much will a bank actually lend me?"

Not the same thing.

You can have a full 20% deposit and still get knocked back.

Know your borrowing power before you do anything else.

Still sitting on the fence about whether you should jump in or wait? Let’s talk and explore your options.

This is my advice to clients bidding at auction.➦ Get fully assessed, not just pre-qualified based on the banks system....
10/04/2026

This is my advice to clients bidding at auction.

➦ Get fully assessed, not just pre-qualified based on the banks system.
➦ Know your true repayments ie; interest only VS principal and interest.
➦ Fixed options vs variable
➦ Know your ''true'' max budget
➦ Run auction scenarios with you - as many as you need.

We always do this first to make the auction process less stress-full,because the wrong prep could cost you your dream home or even worse, cost you your deposit.

Guess who’s back …. Back again for the 10th year!!!We got this again.Can we do better than last year? With your help I k...
27/03/2026

Guess who’s back …. Back again for the 10th year!!!

We got this again.

Can we do better than last year? With your help I know we can!

All donations over $2 are tax deductible.

DM for the link or check my bio!

Investor. Buying with a partner.Small deposit.Existing shared debt with a sibling.Self-employed.What could go wrong?Plen...
23/03/2026

Investor.
Buying with a partner.
Small deposit.
Existing shared debt with a sibling.
Self-employed.

What could go wrong?

Plenty — if you don’t structure it properly.

Multiple moving parts means multiple reasons for a lender to say no.
Income assessment. Existing liabilities. Deposit strength. Ownership structure.

This isn’t a “send it to 10 banks and hope” scenario.

We narrowed it down to a couple of lenders that actually understand this kind of deal.

Right policy. Right structure. Right outcome.

When your scenario isn’t vanilla, lender selection isn’t optional — it’s everything.

16/03/2026

The deposit isn’t what’s stopping you.

We see this a lot , buyers with solid savings, good jobs, ready to go. Bank says no.

Why? The stress test rate. Banks don’t assess what you can afford today. They assess at a rate higher (between 2% - 3% ) than that — and that gap hurts more people than a small deposit ever would.

Sort your borrowing capacity first.
Everything else follows.

In some cases, banks will allow you to borrow with a 0% via a family pledge loan - however if the borrowing power isn’t there to start with then that needs to be fixed.

In the last few weeks - we helped a handful of owner occupiers with low / no deposits via the family pledge option get into their first home sooner than they thought they could , they had the borrowing power even at the stressed rate.

Address

Gregory Hills, NSW
2557

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61431442981

Website

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