The Finance Family

The Finance Family We can confidently recommend a tailored solution for your home loan, asset finance or commercial loa

๐…๐ซ๐จ๐ฆ ๐…๐ข๐ซ๐ฌ๐ญ ๐๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง๐ฌ ๐ญ๐จ ๐…๐ข๐ซ๐ฌ๐ญ ๐‡๐จ๐ฆ๐ž โ€” ๐ฐ๐ข๐ญ๐ก ๐๐ข๐ค๐ข & ๐‘๐จ๐ง๐šโ€œHad a great journey buying our first home with Niki Li and her tea...
08/06/2026

๐…๐ซ๐จ๐ฆ ๐…๐ข๐ซ๐ฌ๐ญ ๐๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง๐ฌ ๐ญ๐จ ๐…๐ข๐ซ๐ฌ๐ญ ๐‡๐จ๐ฆ๐ž โ€” ๐ฐ๐ข๐ญ๐ก ๐๐ข๐ค๐ข & ๐‘๐จ๐ง๐š

โ€œHad a great journey buying our first home with Niki Li and her team. She understood our situation and clearly explained the options available to us. We really appreciated her help along the way. Thank you, Niki!โ€ โ€“ ๐™„๐™ง๐™š๐™ฃ๐™š ๐Ÿก

Every first-home journey is different, and having someone who takes the time to understand your situation can make all the difference.

Clear options, steady guidance, and support every step of the way, thatโ€™s what Niki and Rona pride themselves on. ๐Ÿ’™

If youโ€™re starting your own first-home journey and want guidance you can trust, ๐‘๐ž๐š๐œ๐ก ๐จ๐ฎ๐ญ ๐ฐ๐ก๐ž๐ง ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ซ๐ž๐š๐๐ฒ. ๐–๐žโ€™๐ซ๐ž ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ก๐ž๐ฅ๐ฉ.

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

๐˜๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž ๐ฆ๐š๐ฒ ๐›๐ž ๐๐จ๐ข๐ง๐  ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐ฃ๐ฎ๐ฌ๐ญ ๐ ๐ข๐ฏ๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐š ๐ฉ๐ฅ๐š๐œ๐ž ๐ญ๐จ ๐ฅ๐ข๐ฏ๐ž.As property values change over time, some homeowners ma...
03/06/2026

๐˜๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž ๐ฆ๐š๐ฒ ๐›๐ž ๐๐จ๐ข๐ง๐  ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐ฃ๐ฎ๐ฌ๐ญ ๐ ๐ข๐ฏ๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐š ๐ฉ๐ฅ๐š๐œ๐ž ๐ญ๐จ ๐ฅ๐ข๐ฏ๐ž.

As property values change over time, some homeowners may have access to equity that could be used for renovations, debt consolidation, investing, or other financial goals.

The key isn't just having equity, it's knowing how to use it strategically.

Wondering what options may be available to you? ๐‹๐ž๐ญ'๐ฌ ๐œ๐ก๐š๐ญ. ๐Ÿ 

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

๐„๐Ÿ๐Ÿ๐จ๐ซ๐ญ๐ฅ๐ž๐ฌ๐ฌ ๐€๐œ๐ซ๐จ๐ฌ๐ฌ ๐„๐ฏ๐ž๐ซ๐ฒ ๐“๐ข๐ฆ๐ž ๐™๐จ๐ง๐ž โ€” ๐ฐ๐ข๐ญ๐ก ๐’๐ฎ๐ฆ๐ข๐ญ๐š ๐Ÿ’™โ€œSumita made what could have been a stressful home loan process feel se...
01/06/2026

๐„๐Ÿ๐Ÿ๐จ๐ซ๐ญ๐ฅ๐ž๐ฌ๐ฌ ๐€๐œ๐ซ๐จ๐ฌ๐ฌ ๐„๐ฏ๐ž๐ซ๐ฒ ๐“๐ข๐ฆ๐ž ๐™๐จ๐ง๐ž โ€” ๐ฐ๐ข๐ญ๐ก ๐’๐ฎ๐ฆ๐ข๐ญ๐š ๐Ÿ’™

โ€œSumita made what could have been a stressful home loan process feel seamless. Her efficiency and attention to detail were outstanding. She was always one step ahead, ensuring everything progressed smoothly without unnecessary delays.

What truly set her apart was her level of commitment and adaptability. Despite me being overseas and operating in a completely different time zone, she remained consistently accessible and responsive. She is highly knowledgeable, proactive, and incredibly cooperative, making the entire experience genuinely positive. Without hesitation, I can say she is the best broker I have ever dealt with. I would confidently recommend Sumita to anyone looking for a trusted expert to handle their home loan arrangements.โ€ โ€“ ๐™Ž๐™๐™š๐™๐™ฃ๐™–๐™ฏ ๐Ÿก

Great support isnโ€™t limited by distance or time zones. Itโ€™s about responsiveness, reliability, and having someone who stays one step ahead, every step of the way. ๐Ÿ’™

If youโ€™re looking for expert guidance that keeps the process smooth and stress-free, ๐Ÿ’ฌ ๐‘๐ž๐š๐œ๐ก ๐จ๐ฎ๐ญ ๐ฐ๐ก๐ž๐ง ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ซ๐ž๐š๐๐ฒ. ๐–๐žโ€™๐ซ๐ž ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ก๐ž๐ฅ๐ฉ.

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

A deposit is important.But itโ€™s only one part of the bigger picture.The right loan structure, repayment strategy, and le...
29/05/2026

A deposit is important.
But itโ€™s only one part of the bigger picture.

The right loan structure, repayment strategy, and lending approach can make a significant difference to your financial position over time.

Two people with the same deposit can end up with very different outcomes โ€” depending on the plan behind it.

Thatโ€™s why understanding your options early matters.

๐Ÿ’™ Whether youโ€™re ready to buy now or simply want clarity on where you stand, the right conversation can help shape the next step.

Send us a ๐ฆ๐ž๐ฌ๐ฌ๐š๐ ๐ž ๐จ๐ซ ๐ƒ๐Œ ๐‡๐Ž๐Œ๐„ to explore your options.

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

๐†๐ฎ๐ข๐๐ž๐ ๐ญ๐ก๐ž ๐‘๐ข๐ ๐ก๐ญ ๐–๐š๐ฒ โ€” ๐’๐ญ๐ž๐ฏ๐ž๐ง & ๐‘๐ก๐จ๐ง๐๐šโญ๏ธโญ๏ธโญ๏ธโญ๏ธโญ๏ธโ€œWe cannot recommend The Finance Family enough!!! Steven, our broker, is...
25/05/2026

๐†๐ฎ๐ข๐๐ž๐ ๐ญ๐ก๐ž ๐‘๐ข๐ ๐ก๐ญ ๐–๐š๐ฒ โ€” ๐’๐ญ๐ž๐ฏ๐ž๐ง & ๐‘๐ก๐จ๐ง๐๐š

โญ๏ธโญ๏ธโญ๏ธโญ๏ธโญ๏ธ

โ€œWe cannot recommend The Finance Family enough!!! Steven, our broker, is the best of the best. He always answered our questions, called when we were stressed, and truly valued us as people. He made the whole process so smooth โ€” as first-home buyers, we had no idea what to expect, but he took the time to explain everything and went above and beyond to get us what we needed. We were also helped greatly by Rhonda, who made sure we were updated every step of the way. She was so friendly and always called to explain everything. Buying a home is stressful, but with Steven and Rhonda, it was a walk in the park!! Thank you both โญ๏ธโ€
โ€“ ๐™‰๐™–๐™ฉ & ๐˜ฟ๐™–๐™ฃ๐™ž๐™š๐™ก ๐Ÿก

The right support doesnโ€™t just guide you, it changes the entire experience. From uncertainty to confidence, thatโ€™s what Steven and Rhonda deliver. ๐Ÿ’™

If youโ€™re starting your first-home journey and want it to feel simpler, clearer, and supported,
๐Ÿ’ฌ ๐‘๐ž๐š๐œ๐ก ๐จ๐ฎ๐ญ ๐ฐ๐ก๐ž๐ง ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ซ๐ž๐š๐๐ฒ. ๐–๐žโ€™๐ซ๐ž ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ก๐ž๐ฅ๐ฉ.

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

One of the most common misconceptions in property is that you need a 20% deposit to buy.In reality, many buyers are able...
20/05/2026

One of the most common misconceptions in property is that you need a 20% deposit to buy.

In reality, many buyers are able to enter the market with a smaller deposit, in some cases as low as 5% โ€” depending on their circumstances and eligibility.

Understanding the difference between perception and reality can open up opportunities sooner than expected.

The key is not just how much you have saved, but how your overall position is structured.

๐Ÿ’™ If youโ€™re unsure where you stand, itโ€™s worth having a clear conversation.

Send us a ๐ฆ๐ž๐ฌ๐ฌ๐š๐ ๐ž ๐จ๐ซ ๐ƒ๐Œ ๐‡๐Ž๐Œ๐„ to explore what may be possible for you.

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

๐‘๐ž๐ฅ๐ข๐š๐›๐ฅ๐ž ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ, ๐„๐ฏ๐ž๐ซ๐ฒ ๐’๐ญ๐ž๐ฉ โ€” ๐ฐ๐ข๐ญ๐ก ๐‹๐ฎ๐ค๐žโญ๏ธโญ๏ธโญ๏ธโญ๏ธโญ๏ธโ€œWhat a wonderful company looking after my two home loans. A big shout...
18/05/2026

๐‘๐ž๐ฅ๐ข๐š๐›๐ฅ๐ž ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ, ๐„๐ฏ๐ž๐ซ๐ฒ ๐’๐ญ๐ž๐ฉ โ€” ๐ฐ๐ข๐ญ๐ก ๐‹๐ฎ๐ค๐ž

โญ๏ธโญ๏ธโญ๏ธโญ๏ธโญ๏ธ

โ€œWhat a wonderful company looking after my two home loans. A big shout out to Luke Jacobson, who was there for me all the time. Thank you.โ€ โ€“ ๐‘๐จ๐› ๐Ÿก

Sometimes, what matters most is simply knowing someone is there when you need them.
Consistent support, clear guidance, and reliability, thatโ€™s what Luke brings to every client relationship. ๐Ÿ’™

If youโ€™re looking for a broker whoโ€™s there for you every step of the way,
๐Ÿ’ฌ ๐‘๐ž๐š๐œ๐ก ๐จ๐ฎ๐ญ ๐ฐ๐ก๐ž๐ง ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ซ๐ž๐š๐๐ฒ. ๐–๐žโ€™๐ซ๐ž ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ก๐ž๐ฅ๐ฉ.

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

Saving a full 20% deposit isnโ€™t the only path into the market.There are government-supported options that may allow elig...
15/05/2026

Saving a full 20% deposit isnโ€™t the only path into the market.

There are government-supported options that may allow eligible buyers to purchase with as little as 5% โ€” without paying Lenders Mortgage Insurance (LMI).

However, these schemes come with strict criteria and limited availability each year.

The key is understanding:
โ€ข whether youโ€™re eligible
โ€ข how it impacts your borrowing capacity
โ€ข and whether itโ€™s the right move for your situation

๐Ÿ’™ If youโ€™ve been waiting to โ€œsave more,โ€ it may be worth exploring your options sooner.

Send us a ๐ฆ๐ž๐ฌ๐ฌ๐š๐ ๐ž ๐จ๐ซ ๐ƒ๐Œ ๐‡๐Ž๐Œ๐„ to find out if you qualify.

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ, ๐ญ๐ก๐ข๐ฌ ๐ข๐ฌ ๐จ๐ง๐ž ๐ญ๐จ ๐ฉ๐š๐ฒ ๐š๐ญ๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง ๐ญ๐จ. ๐Ÿ‘€Some lenders are expected to change how they assess borrowing capacity for ...
13/05/2026

๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ, ๐ญ๐ก๐ข๐ฌ ๐ข๐ฌ ๐จ๐ง๐ž ๐ญ๐จ ๐ฉ๐š๐ฒ ๐š๐ญ๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง ๐ญ๐จ. ๐Ÿ‘€

Some lenders are expected to change how they assess borrowing capacity for established investment property purchases.

In simple terms? If youโ€™re buying an existing investment property, your borrowing power may reduce. But for new builds/house & land, servicing is expected to remain unchanged.
That creates an interesting window for investors exploring options right now.

The right strategy depends on your goals, timeline, and borrowing position, but if investing has been on your mind, nowโ€™s a smart time to have the conversation.

๐Ÿ’™ ๐ƒ๐Œ ๐ˆ๐๐•๐„๐’๐“ ๐จ๐ซ ๐ฌ๐ฉ๐ž๐š๐ค ๐ฐ๐ข๐ญ๐ก ๐จ๐ฎ๐ซ ๐ญ๐ž๐š๐ฆ.

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

๐Œ๐จ๐ซ๐ž ๐“๐ก๐š๐ง ๐š ๐“๐ซ๐š๐ง๐ฌ๐š๐œ๐ญ๐ข๐จ๐ง โ€” ๐€ ๐“๐ž๐š๐ฆ ๐“๐ก๐š๐ญ ๐…๐ž๐ž๐ฅ๐ฌ ๐‹๐ข๐ค๐ž ๐…๐š๐ฆ๐ข๐ฅ๐ฒโญ๏ธโญ๏ธโญ๏ธโญ๏ธโ€œNiki and Rona have been amazing in my home purchase jour...
13/05/2026

๐Œ๐จ๐ซ๐ž ๐“๐ก๐š๐ง ๐š ๐“๐ซ๐š๐ง๐ฌ๐š๐œ๐ญ๐ข๐จ๐ง โ€” ๐€ ๐“๐ž๐š๐ฆ ๐“๐ก๐š๐ญ ๐…๐ž๐ž๐ฅ๐ฌ ๐‹๐ข๐ค๐ž ๐…๐š๐ฆ๐ข๐ฅ๐ฒ

โญ๏ธโญ๏ธโญ๏ธโญ๏ธ

โ€œNiki and Rona have been amazing in my home purchase journey. Everything was handled professionally with timely updates along the process of getting a loan. They have always been available to take calls when I have questions and needed clarification. They have helped ease my uncertainty in the whole journey. I cannot thank them enough. They do not treat you as customers but rather like family.โ€ -๐‘๐ฒ๐š๐ง ๐Ÿก

Professional support is important, but feeling understood, supported, and looked after makes all the difference.

Thatโ€™s what Niki and Rona bring to every client experience. ๐Ÿ’™
If youโ€™re looking for guidance that feels personal, not transactional,

๐Ÿ’ฌ ๐‘๐ž๐š๐œ๐ก ๐จ๐ฎ๐ญ ๐ฐ๐ก๐ž๐ง ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ซ๐ž๐š๐๐ฒ. ๐–๐žโ€™๐ซ๐ž ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ก๐ž๐ฅ๐ฉ

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The Finance Family Pty Ltd ABN 81 618 586 691 is a credit representative #489536 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.

Address

2/9 Clyde Road
Berwick, VIC
3806

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm
Saturday 8:30am - 12pm

Telephone

+61389004699

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