Raj Sarin - Buyers Advocate - Equity Finance Solutions

13/07/2026

At Equity Finance Solutions, we are currently working closely with more than a dozen investors seeking to purchase a residential investment property through their SMSF before the 10 August 2026 deadline.

But our goal is not simply to buy something before a date.

Our responsibility is to help each client make a considered investment decision, secure a quality asset and, where appropriate, benefit from the tax advantages available through a compliant SMSF strategy.

That is why, as of today, we are no longer accepting new clients who want to complete an SMSF residential property purchase before the deadline.

EFS is a boutique buyer’s agency. We are not trying to buy 20, 30 or 50 properties every month.

At that level of volume, it becomes increasingly difficult to maintain the standard of research, strategy, due diligence, negotiation and individual attention that we believe every client deserves.

We also do not believe in funnelling every client into the same state, suburb or property type simply because it suits a high-volume business model. Nor do we believe properties should be allocated to buyers based largely on budget and availability.

Every client is different. Their income, borrowing capacity, existing assets, risk tolerance, family circumstances and long-term goals should all influence what they buy and where they buy it.

That may make it harder for us to scale. It may mean we earn less money. I am entirely comfortable with that.

I started EFS to make a positive difference in people’s lives and to build a business I can be proud of.

I want to know that every recommendation we make has been properly considered and that I can sleep well at night knowing we acted in our client’s best interests.

If these outcomes matter to you, ask your buyer’s agent how many transactions they complete each month and consider how much individual attention your purchase is likely to receive.

A rushed or poorly selected property can have serious consequences for your retirement and financial future. Meeting a deadline is important, but it should never come at the expense of buying the right asset.

We remain fully committed to the clients already under our care and will continue working diligently to help them secure a suitable property within the available timeframe.

However, we will not compromise our standards, our process or the quality of our advice simply to take on more business.

Every client has also been told clearly that one possible outcome is that we may not find a suitable property before the deadline. Should that occur, we will not charge them a buyer’s agency fee.

Sometimes, the most responsible decision is to say no.

Equity. Finance. Solutions for life.

28/06/2026

SMSF

25/03/2026

Most Australians think they have a borrowing problem. They don’t.

They have a structuring problem.

Two clients can earn the same income, have the same deposit, go to the same bank… and end up with completely different outcomes.

Why?

Because one has their loans structured correctly from day one. The other doesn’t.

We regularly see clients come to us “maxed out” after 1 or 2 properties, only to unlock capacity to buy 2 or 3 more with the right approach.

It’s not just about earning more. It’s about using what you already have more intelligently.

If you’ve been told you’ve hit your limit, it’s worth a second opinion.

I run a national Buyer's Agency, AND we also have a level of knowledge and expertise in the finance industry that allows us to structure correctly, create portfolio plans, help you navigate life.

11/02/2026

Median house prices across Australia $1M is the new $500k

07/02/2026

Sharing my journey, I’ve done it slow and steady, no rush moves, calculated risk and strategy at the highest level. We are now buying another $4M of property before EOFY.

No silver spoon, no guarantors, no gifts from family, just the old school way saving $ for the first deposit with my wife.

We were on $90k combined income. Not wealthy, not poor, pretty happy, and young.

I’ve just turned 40. For most of my life I earned a basic salary. Nothing special. Worked hard, battled like everyone else. Paid for crap advice. Made mistakes. Figured it out. Kept battling. Never gave up. Burned the boats. Backed myself.

It’s not easy, it takes courage, and ability to mitigate risk.

Today, I play a different game. It’s taken 15 years, hasn’t happened overnight.

Do you know what $16M compounds to over 20 years at 7% per annum growth? ——> $62 Million. And I’ll be 60. That’s if I don’t buy any more property (which I will).

That’s over $3 Million of passive income in retirement… per year. I could retire much sooner, in as little as 5-10 years.

In a way I’m already living my ideal life. That’s the power of starting early….just starting.

The portfolio could be $100M with the right key moves, or if the growth rate is closer to 10% instead of 7%

If I can do it, I can show you how, without the mistakes I made, and time I spent learning. You can change your life and your families life.

You just need to have the courage to take action. Else another year of “I should have done something” will pass you by.

From Life at Sea to a $12M Property Portfolio! Ever wondered what growing up on a container ship can teach you about property investing?In this episode, Todd...

23/01/2026

Will you price match your fee?

I get asked that every week.

The answer, always No.

We aren’t the cheapest Buyers Agency out there, we also aren’t the most expensive, we have priced ourselves competitively.

We are also one of the most experienced and strategic in the market. When things go awry we know how to navigate. Truly, if it were me, I don’t trust anyone more than my own team.

How long has your BA been a BA? Most are less than 5 years in, some are part time doing other jobs 😂 this is not a part time gig.

We were interested in this property in Geelong. Excellent suburb, quiet street, lovely 4x2x2 nice block, recent renovation.

Owner wanted $730k-$760k and would not accept any less than $750k the agent said. We saw value up to $720k max.

We have bought in the area, walked the street, been to the local shops and cafes, interviewed property managers and attended frenzied opens. Know that families are moving in droves and it’s super affordable for locals.

We negotiated it for over a week, including the weekend, exclusively. Showed the vendor our comparable sales, what had bought and sold.

They offered it to us for $730k again no.

More negotiation.

Eventually we bought it for $710,600.

$39,400 less than the vendors were adamant on.

A novice Buyers Agent would have paid more - likely $20-30k more than us. The Sales Agent is a pro, hundreds of sales, recognised who we were.

The same Buyers Agent that would have dropped his fee by $1-$2k to “win” your business would have cost you $20-30k on the buy. Happens all the time.

We have never and will never do that. Our value to you is many multiples of what we charge as a professional service.

We aren’t for everyone, we can’t please you if you sleep well saving $1k, but if you value saving big $, doing thorough due diligence, buying the right asset in the right location, the advice from me personally not someone with 5 years or less experience, the finance strategy, growing to a $10M+ portfolio, retiring early, quitting the rat race, providing for your family, a sound strategy, then call me. 🤙

Every single one of our clients have made $150-200k+ in a year, across the last 3 years. Many over $500k and a few over $1M in 5 years. Every one of those purchases hand picked.

Why? We buy 5 properties a month. That’s why. Not 10 a week.

No one knows what’s going on with that sort of scale, and you are just a number.

Want to work with someone who really cares about you and your families future? Not just a sales gun or a marketing guru? I’m none of those, and I’ll beat any BA you know at strategy.

Slip into my DM’s and let’s have a confidential chat about where you’re at.

Raj

02/01/2026

29/11/2025

More fuel to an already raging fire. 40 Year Mortgages are here! With a big 4 Bank trialling them out, how can you use this to your advantage? * increase in borrowing power * lower mortgage repayments * Paired with a 10% deposit and no LMIIt’s a powerful combo if you know how.Listen to the full podcast with myself and Todd Sloan from Pizza and Property.