Rands Financial Services - Mortgage Brokers

25/03/2026

Stop waiting and start moving. 🚀

Don't let the perfect property slip away while you wait for a buyer. Bridging finance is designed to "bridge the gap," allowing you the capital and flexibility to secure your new home first. Move forward with confidence and remove the uncertainty of timing the market.

Click the link to book a session with Sally - https://www.randsfinancialservices.com.au/schedule-appointment/

25/03/2026

Planning to downsize in Narre Warren or Berwick? 🏡

Downsizing isn’t just about a smaller floor plan—it’s about a bigger lifestyle. Discover how to free up your home’s equity and drastically reduce maintenance expenses so you can spend more time enjoying what you love. Let Rands Financial Services guide you through a seamless transition.

Book a consultation with Sally today - https://www.randsfinancialservices.com.au/schedule-appointment/

18/03/2026

Planning to buy in 2026? Read this first. 📈

The move to 4.10% doesn't just impact current homeowners—it changes borrowing power for everyone. If you’re currently house hunting, your pre-approval limits may have shifted this month.

Contact Rands Financial Services today to book an appointment - https://www.randsfinancialservices.com.au/schedule-appointment/

18/03/2026

Thinking of downsizing? 🏡 It’s not just about less square footage—it’s about protecting your wallet. From equity release pitfalls to hidden relocation costs, we break down what you must consider before packing a single box.

Get clarity with Rands Financial Services and book your consultation here today - https://www.randsfinancialservices.com.au/schedule-appointment/

11/03/2026

Thinking about downsizing your home in Narre Warren or Berwick?

For many homeowners, the challenge is timing the sale of the current property while securing the next one. Understanding options such as bridging finance, equity access, and the financial impact of downsizing can make the transition far smoother.

Our latest guide explains how to downsize with confidence while protecting your financial position.

Read the full guide:
https://www.randsfinancialservices.com.au/downsize-with-confidence-guide-for-seniors-narre-warren-berwick/

If you are considering downsizing, speak with Sally Pietersz at Rands Financial Services to explore the right finance strategy for your situation - https://www.randsfinancialservices.com.au/schedule-appointment/

03/03/2026

Buying before selling in Melbourne can be achievable with the right Bridging Loan structure, but it must be planned properly.

The two numbers that matter are:
• Peak debt: your highest loan balance while you hold both properties
• End debt: what remains after your current home sells (your ongoing loan)

Lenders assess whether the end debt is affordable long term, and they will also consider timing, valuation and serviceability.

Book your bridging loan assessment with Rands Financial Services today: https://www.randsfinancialservices.com.au/schedule-appointment/

27/02/2026

Buying before selling can be achievable with the right bridging structure.

In a typical bridging scenario, there are two key figures to understand:

• Peak debt: the highest loan balance while both properties are held

• End debt: the remaining balance after the existing property is sold (your ongoing loan)

If you are considering a bridging loan in Melbourne, Victoria, I can assess the numbers, explain the structure clearly, and map the timing so you can make an informed decision.

Rands Financial Services | 0434 391 331 | https://www.randsfinancialservices.com.au/schedule-appointment/

Disclaimer: General information only and not personal advice. Bridging finance is subject to lender assessment, eligibility criteria, serviceability, valuation and approval. Interest rates, fees, terms and lender policies may change prior to settlement. Please consider your circumstances and obtain tailored advice before proceeding.

16/02/2026

Self-employed with irregular income? This is where most loan applications fall over.

Luke recently shared that his business was growing, but the income pattern made lending challenging. He said the difference was how his financial position was presented to the lender, with realistic expectations set upfront and everything prepared properly before submission. The level of detail and professionalism stood out, and he would confidently recommend Rands Financial Services to other business owners.

That is exactly how I work. As an accountant and mortgage broker, I focus on getting your numbers presented clearly and correctly so the lender can assess your position properly from day one.

If you are self-employed and want to know what you can borrow, send an inquiry, and we will guide you through your options.

11/02/2026

Selling and buying bigger? Do not make these common upgrade mistakes.

A bridging loan can be a smart way to buy your next home before your current one sells, but the details matter.

Getting the timing, valuation and exit strategy right can save you stress and cost.

Speak to Sally at Rands Financial Services on 0434 391 331 or click on https://www.randsfinancialservices.com.au/contact-us/ to book an appointment, and we will guide you through your options and numbers.

03/02/2026

The RBA has increased interest rates by 0.25% to prevent inflation from becoming entrenched and harder to control later. Acting early is designed to avoid sharper rate rises down the track.

👉 Check your home loan now before the next RBA move
https://www.randsfinancialservices.com.au/contact-us/

20/01/2026

Thinking of buying your next home before selling your current one? A bridging loan may be exactly what you need. In Victoria’s fast-moving property market, bridging loans help you secure your new home first, then sell your existing property on your terms.

Our 2026 Bridging Loan Guide explains how Peak Debt and End Debt work, how lenders calculate bridging interest, and what changes major banks introduced this year. We also dive into property valuations, capitalised interest and serviceability rules, simplified so you can make confident decisions.

At Rands Financial Services, we provide tailored bridging-loan strategies with transparent support from start to settlement.

Read the full guide here: https://www.randsfinancialservices.com.au/bridging-loan-guide-2026/

09/01/2026

Thinking of buying your next home before selling your current one? A bridging loan may be exactly what you need. In Victoria’s fast-moving property market, bridging loans help you secure your new home first, then sell your existing property on your terms.

Our 2026 Bridging Loan Guide explains how Peak Debt and End Debt work, how lenders calculate bridging interest, and what changes major banks introduced this year. We also dive into property valuations, capitalised interest and serviceability rules, simplified so you can make confident decisions.

At Rands Financial Services, we provide tailored bridging-loan strategies with transparent support from start to settlement.

Read the full guide via the Blog link in our Intro.

We provide home loans for first home buyers & self-employed borrowers, including owner-occupied, investment property, SMSF, refinancing, construction, and low-doc loans. Whether buying your first home or investing, we offer expert support tailored to you.