Joanne White - Finance & Mortgage Broker

02/06/2026

🏡 How much do you really need to buy a first home? 🏡⁣
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Long gone are the days when you needed to save up a full 20% deposit (plus extra for other expenses!).⁣
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These days, you could need a deposit of just 5%, or even 2% if you’re a single parent, to buy a first home. 💰⁣
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For a $700,000 first home, a 5% deposit is $35,000.⁣
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Better yet, you may also be eligible for stamp duty exemptions/concessions or first home buyer grants.⁣
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Don’t forget to factor in other upfront expenses though. ⚠️⁣
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Legal fees, home insurance, stamp duty, and furniture removalists can all add up. 📦⁣
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Need help crunching the numbers and figuring out how much you could borrow? That's our specialty. 👇⁣
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To find out more, DM us or email Snap Financial on:

💻 – [email protected]

26/05/2026

🚩 Red flag habits that could hinder your home loan application 🚩⁣
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(Not so) fun fact: Lenders assess a borrower’s ‘character’ as part of a home loan application. ⁣
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It’s all about how responsibly you manage money and debts. 💳⁣
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Turns out 7 in 10 Aussies have red flag spending habits that could hurt their character check. ⁣
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Key red flags include spending on lottery tickets or scratchies, smokes or vapes, and even alcohol. ⁣
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Banks may comb through three months of bank statements to check out your spending habits. 🔍⁣
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What they’re looking for are spending patterns that could potentially derail your ability to make repayments. ⁣
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Talk to us for tips on getting your home loan application across the line. 👇⁣
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To find out more, DM us or email Snap Financial on:

💻 – [email protected]
ACL # 405961 ACR # 560396

24/05/2026

Ballarat heritage weekend festival

23/05/2026

08/05/2026

Mother’s Day Sunday- Rebecca has some beautiful flowers and gifts 🎁

08/05/2026

Hoping for a ripper game for the Roos this weekend. Taking on Sydney at Marvel, let's hope it's the same exciting result we had against Carlton on April 3rd.

08/05/2026

Rising interest rates aren’t stopping some first‑home buyers, especially with the support of the Government’s 5% Deposit Scheme. Massive congratulations to my clients, an amazing young couple on purchasing their first home in regional Victoria. It’s been an absolute pleasure guiding you through a smooth and stress‑free experience. Here’s to an exciting new chapter.

ACL 40591, ACR 560396

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05/05/2026

I would like to sincerely thank my valued clients for the Nomination in the 2026 Federation University Commerce Ballarat Business Excellence Awards. I am currently preparing my application for submission across two award categories. I greatly appreciate the ongoing support and trust of my clients, which has made this recognition possible.

05/05/2026

02/05/2026

When a busy broker takes a day off, I’ve been very lucky to see the oldest carriages in Australia operating today from historic Maldon