Visionary Finance Group

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Visionary Finance Group We are a small, experienced team led by Rebecca Le Cornu, a Brisbane-based mortgage broker of more than 20 years. Contact us for your ✨visionary✨ experience!
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Whether you're a Brisbanite or not, our friendly, detailed, supportive ✨visionaries✨ can help. Visionary Finance Group is an Authorised Credit Representative of BLSSA Pty Ltd (Australian Credit Licence Number: 391237), Authorised Credit Representative Number: 557997.

🏡 The Hidden Value of a Long-Term Broker RelationshipWe've had two recent client situations that perfectly demonstrate w...
16/10/2026

🏡 The Hidden Value of a Long-Term Broker Relationship

We've had two recent client situations that perfectly demonstrate why having a long-term relationship with your mortgage broker can be so valuable.

And the interesting part? Neither was just about finding a new loan!

Instead, it was our knowledge of the clients' lending histories that helped us untangle some unexpected complications.

Because when we've worked with you for years, we've got more than just your latest loan application:

📁 We've got the paperwork you might need again years later.

🧠 We know the backstory behind how your loans were structured.

🏡 We understand the bigger picture as your property portfolio grows.

🔎 We can spot potential problems that might otherwise be overlooked.

🤝 We can connect the dots with your accountant or other professionals.

Sometimes the most valuable thing your broker brings to the table isn't a new loan. It's everything they already know about your old ones! 💚

We've shared both real-life examples in Bec's latest article.

📖 Read the stories here: https://lnkd.in/p/g6fmdU37

Buying is only the beginning.One of the biggest mistakes I see with investment property purchases? Using every last doll...
16/10/2026

Buying is only the beginning.
One of the biggest mistakes I see with investment property purchases? Using every last dollar to get in.

Yes, deposit matters.
Yes, stamp duty matters.
Yes, borrowing capacity matters.

But so does what happens after settlement.

If you’re buying an investment property, you should also be thinking about:
🏠 vacancy periods
🛠 repairs and maintenance
💰 rates, insurance and ongoing costs
📄 property management fees
🚪 lease-break situations and reletting costs
📉 the possibility that rent doesn’t cover everything

Just because a property is “investment grade” doesn’t mean it will behave perfectly every month. That’s why a cashflow buffer matters.

A smart investment plan isn’t just about getting approved.
It’s about making sure you can hold the property comfortably too.

** General information only. Costs and rental outcomes vary depending on the property, tenant and market conditions.

🕵️ CASE FILE: Get the loan to settlementIf getting a home loan sometimes feels like there are a LOT of moving parts... t...
15/10/2026

🕵️ CASE FILE: Get the loan to settlement

If getting a home loan sometimes feels like there are a LOT of moving parts... that’s because there are. 😂

Behind the scenes, our week can look something like:
📞 Discovery calls to figure out the plan
📊 Comparing options and crunching the numbers
📄 Reviewing payslips, statements and supporting documents
🏡 Ordering and following up valuations
🔎 Working through lender policies and requirements
📝 Preparing and lodging applications
📱 Chasing assessors and bank updates
💰 Repricing existing loans
🔨 Getting buyers finance-ready for auction
📬 Following up loan documents and outstanding conditions
🔑 Coordinating all the little pieces needed to get to settlement

And occasionally investigating the mysterious case of “Where has the bank assessor disappeared to?” 🧐

Lots of clues. Lots of moving pieces. Plenty of red string.

But ultimately, there’s one thing we’re trying to solve:
How do we get our client from where they are now to where they want to be? 🏡❤️

14/10/2026

💰 'Genuine savings' policy trips up a lot of first home buyers not because they don’t have money, but because they don’t realise how lenders look at it.

In simple terms, genuine savings is a lender’s way of checking whether you’ve shown an ability to save and hold funds consistently.

They’re often looking for evidence that the deposit isn’t just money that appeared last week.

How is it checked?

Usually by reviewing:
📄 the last 3 months of bank statements
📄 savings account history
📄 evidence of where funds came from
📄 in some cases, a rental ledger

Important nuance
💠Rent can count with some lenders, but not all.
💠Gifted funds may still be acceptable as part of your overall contribution, but they don’t always count as genuine savings.
💠The same goes for recent inheritances or lump sums. They may be usable funds, but not necessarily genuine savings.

So if you’re planning to buy in the next few months, this is something to sort out early, not the week before you apply. 👀

General information only. Genuine savings requirements vary between lenders and products.


13/10/2026

If you’re eligible for the Government Guarantee Scheme, this is the kind of breakdown I’d be walking you through.

A lot of buyers hear “5% deposit” and assume that means they only need 5% of the purchase price.

Not quite.
Using an $850,000 purchase as an example:
✅ Deposit = $42,500
✅ Loan = $807,500
✅ No LMI under the scheme (if eligible)

⚠️ But you still need to allow for purchase costs

Because this purchase price is above the Queensland first-home-buyer duty concession range, stamp duty still applies in this example, which is why your total
contribution is much higher than just the deposit.

So the real question isn’t just:
“Can I buy with 5%?”

It’s:
“What total cash contribution do I actually need to get this done comfortably?”
That’s the bit buyers really need clarity on. 👌

** General information only. Figures are indicative only and may vary depending on your eligibility, lender, fees and final transaction costs.


12/10/2026

🏡 Same income. Different lenders. Different result.

One of the biggest misconceptions in home lending is that every bank will give you the same borrowing capacity.

They won’t.

Even with the same salary, the numbers can shift depending on:
✨ lender policy
✨ living expense assumptions
✨ minimum credit card repayments
✨ HECS/HELP
✨ existing commitments
✨ property type
✨ how different income types are assessed

So if you’re on $110K and asking, “What can I borrow?” the real answer is…

👉 It depends which lender is doing the maths.

That’s exactly why working with a broker can make such a difference. It’s not just about finding a rate, it’s about finding the lender whose policy fits your situation.

Moral of the story: don’t rule yourself in or out too quickly based on one calculator. 🧮

** General information only. Figures are illustrative and borrowing capacity varies based on your full scenario and lender policy.


09/10/2026

Different lenders may assess business income differently.

They might consider things like:
📊 One OR two years' financials/ tax returns
💰 Directors Salary/wages
📈 Business profit
➕ Add-backs
🏢 Company liabilities
📉 Changes in income year to year
📊Business Activity Statements
📃Accountants Letters

Which means two lenders can look at the same business… and calculate very different usable income.

That's where lender policy matters. A lot. Don't assume being self-employed means “the bank won't lend to me”. Get your numbers properly assessed first.

This is why plugging one number into an online borrowing calculator doesn't always give a self-employed borrower the full picture.
Sometimes the difference isn't your income.
It's how the lender interprets it.

If you run a business and property is on the radar, getting your financials reviewed before you start house hunting can save a LOT of guesswork later. 🔍


An offset account is linked to your home loan.Money sitting in the offset can reduce the amount of the loan balance used...
08/10/2026

An offset account is linked to your home loan.
Money sitting in the offset can reduce the amount of the loan balance used to calculate interest.

Simple example 👇
Home loan: $600,000
Money in offset: $50,000
Interest may be calculated as though the balance were $550,000.*

So where do people go wrong?
❌ Leaving savings elsewhere
❌ Using an account that isn't actually an offset
❌ Having the offset attached to the wrong loan split
❌ Not understanding fees or conditions

A great home loan structure isn't only about the interest rate.
How you use the loan matters too.

💰 An offset account can be a very handy little mortgage tool, provided it's set up and being used properly.

At a basic level, money sitting in an eligible offset account can reduce the portion of your linked home loan on which interest is calculated.

So, rather than leaving your everyday savings sitting somewhere earning a small amount of interest, some borrowers prefer to keep those funds working against their mortgage instead.

But here's where it gets interesting.
💲Not every loan has an offset.
💲Some have one.
💲Some offer several.
💲Fees can differ.
💲And if you have multiple loan splits, you want to understand which loan that offset is actually linked to.

The rate gets most of the attention.
But a good mortgage strategy is often hiding in the structure. 👀

Example for illustration only. Product features and conditions vary by lender.

Love that for them. 🤲 But that doesn't automatically make it the right lender for you.Two borrowers earning exactly the ...
07/10/2026

Love that for them. 🤲

But that doesn't automatically make it the right lender for you.

Two borrowers earning exactly the same income can get very different lending outcomes.

Why?

Lenders can treat things differently, including:
💼 Employment type
🏢 Self-employed income
👶 Parental leave
💳 Existing debts
🏠 Rental income
💰 Bonuses & overtime
📊 Living expenses
👨‍👩‍👧 Dependants
🏡 Property type

And that's before we even look at:
✓ Rates
✓ Fees
✓ Offset accounts
✓ Loan features
✓ Credit policy
✓ Turnaround times

There isn't one “best bank”.
There is the lender whose policy, pricing and product best fits your circumstances.

🏦 Mortgage broking would be very easy if there was one bank that was best for everyone.
Spoiler alert: there isn't. 😂

Different lenders have different lending appetites.
🍎One may be brilliant for a self-employed borrower.
🍊Another may handle overtime or bonus income more favourably.
🍐Another may work better for someone with a smaller deposit.
🍇Another could suit an investor or someone needing multiple offset accounts.

That's why hearing that your sister, neighbour or workmate got an amazing home loan doesn't necessarily tell us much about the right solution for you. Your situations might be apples and oranges. 🍎🍊

Your income.
Your commitments.
Your property.
Your plans.
That's what should drive the lender conversation.
Not whichever bank currently has the loudest ad.

🏡 If buying a home is on the horizon, your financial decisions in the months beforehand can matter.That doesn't mean put...
06/10/2026

🏡 If buying a home is on the horizon, your financial decisions in the months beforehand can matter.

That doesn't mean putting your entire life on hold until settlement.
Please still enjoy yourself (a little bit!) 😂

But if you're about to:
🚗 finance a car
💳 open another credit card
👩‍💻 change jobs
💰 move large amounts of money around
📈 increase an existing loan

…it is worth checking what impact it could have on your home loan plans before you do it.

One of the biggest benefits of speaking with a broker early is having someone help you work backwards from the goal.

You don't need to have found a property.
You don't even need to be 100% ready.

Sometimes the most valuable conversation happens months before you ever make an offer.

Property hunting is much more fun when you already know your numbers. 🔑

Address

Brisbane, QLD

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+611300780704

Website

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