Splendour Finance

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Splendour Finance Let us do the leg work and present you with a customised loan option.

At Splendour Finance, we are passionate and committed to make the finance process as smooth as possible, ensuring you obtain the finance that best suits your circumstances and needs.

I can help medical professionals explore LMI waiver optionsMedical professionals may be eligible for an LMI waiver, whic...
09/10/2026

I can help medical professionals explore LMI waiver options

Medical professionals may be eligible for an LMI waiver, which can help reduce upfront costs when buying with a smaller deposit.

I often help clients work through the detail, because eligibility depends on more than just your profession. It can include the lender, the security, the loan-to-value ratio and the overall application.

* Check the current policy
* Understand the deposit impact
* Compare the full loan structure

There is a risk to consider as well, because a smaller deposit can mean a larger loan balance and higher repayments over time. I can help you weigh that up properly.

If you are a doctor, dentist, specialist or another eligible medical professional, message me and I will help you explore your options.

Know the real cost of refinancing before you decideRefinancing is not just about finding a lower rate. I always look at ...
07/10/2026

Know the real cost of refinancing before you decide

Refinancing is not just about finding a lower rate. I always look at what it will cost to make the switch, then compare that against the savings you are likely to make.

That can include discharge fees, application fees, valuation costs, legal fees, and break costs if you are on a fixed rate. From there, I work out the break-even point, which is the time it takes for the savings to catch up with the upfront costs.

A refinance can make sense if the numbers line up with your goals, but it is not always the right move for every borrower. Sometimes a lower repayment helps cash flow, while other times keeping your current loan is the better call.

If you would like help running the numbers, send me a message and I will help you compare your options.

-even-point

Buying your first home can feel like a long road when the deposit target keeps growing.The Australian Government 5% Depo...
06/10/2026

Buying your first home can feel like a long road when the deposit target keeps growing.

The Australian Government 5% Deposit Scheme may help eligible first home buyers get into the market sooner with a smaller deposit, and in some cases avoid the extra cost of lenders mortgage insurance.

I can help you look at:
* eligibility
* borrowing capacity
* property price limits

It is important to remember that a smaller deposit can also mean a larger loan, so it is worth checking whether the repayments fit comfortably into your budget.

Send me a message and I will help you work through your options.

Buying your first home starts with the right planBuying your first home can feel like a big step, but you do not have to...
29/09/2026

Buying your first home starts with the right plan

Buying your first home can feel like a big step, but you do not have to work it out alone.

I help first home buyers understand what they may be able to borrow, what costs to plan for, and how to approach the process with more confidence.

A few things I often cover in an appointment are:
* borrowing power
* deposit options
* upfront purchase costs

There can be trade-offs to consider, especially if you are buying with a smaller deposit, so I always take the time to talk through the details with you.

If you are thinking about buying soon, book an appointment with me and let’s build a plan that suits your situation.

Regional buyers, I can help you get your loan application startedBuying in regional Australia can be exciting, but the l...
29/09/2026

Regional buyers, I can help you get your loan application started

Buying in regional Australia can be exciting, but the loan process can feel like a lot if you are not sure where to start.

I help buyers get organised early so they can understand their borrowing capacity, prepare the right documents, and avoid unnecessary delays.

* income and expense checks
* deposit and savings history
* lender policy and property type

Every lender assesses applications differently, so it helps to have the right guidance before you make an offer.

Message me and I will help you map out your next step.

𝐑𝐁𝐀 𝐔𝐏𝐃𝐀𝐓𝐄 | π„πŸπŸπžπœπ­π’π―πž π’πžπ©π­πžπ¦π›πžπ« πŸπŸ—, πŸπŸŽπŸπŸ”After two consecutive holds, the Reserve Bank of Australia (RBA) has raised the...
29/09/2026

𝐑𝐁𝐀 𝐔𝐏𝐃𝐀𝐓𝐄 | π„πŸπŸπžπœπ­π’π―πž π’πžπ©π­πžπ¦π›πžπ« πŸπŸ—, πŸπŸŽπŸπŸ”
After two consecutive holds, the Reserve Bank of Australia (RBA) has raised the cash rate by 0.25% at 4.60%, marking the fourth increase this year. This unanimous decision brings the cash rate to its highest in 15-years, since November 2011. The increase in cash rate is an attempt to slow down inflation in the economy.

The RBA has stated that inflation has remained elevated, and some risks that was flagged in August has been materialising, where global energy prices higher than predicted in August forecast with the conflict in the Middle East broadening. Increased use of AI and AI-related demands have also contributed to rapid growth in global prices for technology-related goods.

Finance Brokers Association Australia (FBAA) and Mortgage & Finance Association of Australia (MFAA) both advises mortgage holders for action to be taken before higher repayments take effect.

β€œA rate rise affects every household differently. The important thing is to know where you stand rather than assuming there is nothing you can do,” MFAA CEO, Anja Pannek comments, urging borrowers to speak to their mortgage brokers to understand their position and options.

Leo Gagic, FBAA new CEO encourages mortgage brokers to contact their clients first. β€œA simple conversation can provide reassurance, help a client understand what this increase means for them and identify whether their lending arrangements should be reviewed.” Gagic adds, this is the support clients need at this time with making informed decisions.

If you’re feeling the pressure, or unsure how this change impacts your mortgage or borrowing capacity, consider reviewing your loan. A mortgage broker can help with a no-obligation review.

The RBA’s next meeting is scheduled for Tuesday, November 3.

Refinancing can be a smart reset for your budgetRefinancing can be a smart reset for your budget.If your home loan no lo...
27/09/2026

Refinancing can be a smart reset for your budget

Refinancing can be a smart reset for your budget.

If your home loan no longer feels quite right, I can help you take a fresh look at the numbers and see whether your current setup still supports your goals.

I look at the full picture, including repayments, loan features and your household budget, so the conversation stays practical and tailored to you. Sometimes a refinance may help with cash flow, debt simplification or better loan features, but it is important to weigh up the costs and benefits first.

If you are in National and would like a personalised review, send me a message and I will help you map out your next step.

Is bridging finance the right move this spring?Thinking about buying before you sell this spring?Bridging finance can he...
24/09/2026

Is bridging finance the right move this spring?

Thinking about buying before you sell this spring?

Bridging finance can help if you have found your next home but your current property has not sold yet. It combines your existing mortgage and the new purchase into one temporary facility, then uses the sale proceeds from your current home to bring the debt back down.

A few things to keep in mind:
* interest is often capitalised during the bridging period
* most lenders set a time limit to sell the existing property
* the expected sale price can affect your end debt position

It is a useful tool for the right situation, but it is not suitable for everyone. I can help you compare lender policies and understand the numbers before you decide. Message me for personalised guidance.

Starting your first home loan application can feel easier with the right guidanceBuying your first home is exciting, but...
24/09/2026

Starting your first home loan application can feel easier with the right guidance

Buying your first home is exciting, but I know it can also feel a little overwhelming when you are not sure where to begin.

That is why I help first home buyers in National start their loan application with a simple, supportive approach. I will talk you through your options, explain what lenders may look for, and help you feel more confident before you make an offer.

* Understand your borrowing power
* Prepare your application documents
* Get personalised guidance for your situation

If you are ready to take the next step, send me a message and I will help you get started.

𝐂π₯𝐒𝐞𝐧𝐭 𝐭𝐞𝐬𝐭𝐒𝐦𝐨𝐧𝐒𝐚π₯ 𝐜𝐞π₯πžπ›π«πšπ­π’π¨π§I am so grateful for this kind testimonial from Nura Jamil.She shared that I was there fro...
23/09/2026

𝐂π₯𝐒𝐞𝐧𝐭 𝐭𝐞𝐬𝐭𝐒𝐦𝐨𝐧𝐒𝐚π₯ 𝐜𝐞π₯πžπ›π«πšπ­π’π¨π§

I am so grateful for this kind testimonial from Nura Jamil.

She shared that I was there from the very beginning, patiently answering questions, guiding the process, and staying on top of the detail during a stressful settlement period. That means a great deal to me, because that is the standard of support I aim to provide for every client.

A home loan journey can feel overwhelming, especially when you are new to it. My role is to keep things clear, calm, and moving forward, so you feel supported at every stage. *clear communication, proactive follow-up, careful attention to detail*

Thank you again, Nura, for the trust and generous words.

If you are looking for personalised guidance on your next purchase or refinance, contact me and I will help you plan your next step.

Address

16 Freedom Crescent South Ripley
Brisbane, QLD
4306

Telephone

+61423463124

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