EverSharp Finance - Mortgage Broker - Sharlene Gratte

EverSharp Finance - Mortgage Broker - Sharlene Gratte Local. Experienced. On your side. Access to over 30 lenders, honest advice & support you can trust. ACCR: 522722 Australian Corporate Credit Representative 522722

With over 20 years’ experience in the finance industry, our team is here to make the lending process simple, stress-free & tailored to you. With over 20 years’ experience in the finance industry, our team at EverSharp Finance is here to make the lending process simple, stress-free and tailored to you. Whether you're buying your first home, refinancing, investing, or just exploring your options—we

’re skilled, local, and ready to help you make smart financial decisions.

- Based in your community.
- Focused on real relationships.
- Committed to your financial future. Let’s find the right loan for you, without the pressure.

A little breathing room for homeowners today.Today, the RBA decided to leave the cash rate unchanged at 4.35% after thre...
16/06/2026

A little breathing room for homeowners today.

Today, the RBA decided to leave the cash rate unchanged at 4.35% after three consecutive rate increases.

Why the pause?
📉 The economy is starting to slow.
📈 Unemployment has edged up to around 4.5%.
💰 Inflation is still sitting above the RBA's target at 4.2%, but the Board wants more time to see how the previous three rate rises are flowing through the economy before making another move.

For many Australian households, that's a collective sigh of relief.

It means putting on hold the stress of wondering where the next few hundred dollars might come from in an already stretched household budget to cover another increase in mortgage repayments.

But the fight against inflation isn't over though and the RBA has made it clear that future rate rises haven't been ruled out. For now, they're taking a wait-and-see approach while they assess how the economy responds to the previous increases.

For now... we'll take the pause.

👀 Watch this space.

81%.That's the record share of new home loans now being arranged through mortgage brokers in Australia.The reason is sim...
11/06/2026

81%.

That's the record share of new home loans now being arranged through mortgage brokers in Australia.

The reason is simple: people want choice, expert guidance and someone who can help them navigate an increasingly complex lending environment.

A home loan is one of the biggest financial decisions you'll ever make and having the right advice can make all the difference and help you avoid costly mistakes.

Not sure if you're ready? That's exactly why we're here. Whether you're buying, refinancing or investing, let's start with an obligation free chat and see what's possible.

Let's be honest - finance chats can feel a little intimidating. Most people think they need to have all their ducks in a...
09/06/2026

Let's be honest - finance chats can feel a little intimidating. Most people think they need to have all their ducks in a row before reaching out. You don't. Your ducks can be scattered across three ponds and one can be missing entirely!

That's what we're here for.

Many of our clients come to us feeling unsure, overwhelmed or simply not knowing where to start. One of the things we pride ourselves on is taking the time to understand your situation, explain your options in plain old English and answer EVERY question along the way - whether it's your first question, your fiftieth or the follow-up questions that come once you've had a chance to process everything properly, we don't mind.

That's why feedback like this means so much to us 💚

Knowing our clients feel comfortable, supported and confident throughout the process is just as important as achieving a great financial outcome.

If you've been putting off a conversation because you're not sure where to start, know that we're here to guide you through it, one step at a time.

One thing I love about what I do is being able to help people wherever they are - whether that's down the road, regional...
04/06/2026

One thing I love about what I do is being able to help people wherever they are - whether that's down the road, regional WA or on the other side of the country.

So if someone has recommended me but you're nowhere near where I'm based, that's absolutely okay! These days, we can do everything online, over the phone or via video call.

What matters most isn't location. It's trust, communication and knowing your broker genuinely has your best interests at heart. Same advice, same support, just a lot more flexibility.

Wherever you are in Australia, I'm always happy to help. 😊

There’s a lot of financial noise at the moment.Rates, cost of living, headlines - it can feel constant, like you’re alwa...
02/06/2026

There’s a lot of financial noise at the moment.

Rates, cost of living, headlines - it can feel constant, like you’re always having to keep up with it.

For a lot of families, this just adds extra pressure.

But the reality is, you don’t need to overhaul everything to make progress. Most financial outcomes improve through small, practical adjustments over time - not big, rushed decisions.

With EOFY just around the corner, consider setting aside a few minutes each week to review one area and see if there are opportunities to save:
✅ Check what interest rate you're actually on
✅ Understand how your loans are structured
✅ Review whether small repayment changes could work for you
✅ Take a closer look at your spending habits

Nothing complicated. Just understanding where things sit and making one small improvement at a time.

Small adjustments can quietly make a meaningful difference over time.

And if you'd like a hand working through any of the above, I'm always happy to help keep it simple and explain how different options or scenarios could work for your personal situation, obligation free.

01/06/2026

Whilst we celebrate WA Day, I just wanted to thank everyone, family friends, community for all your support over the years. We couldn’t have done it without you all.
Happy WA Day 🙂

We’ll be closed for the WA Day long weekend public holiday on Monday as we take a short break to recharge and hopefully ...
29/05/2026

We’ll be closed for the WA Day long weekend public holiday on Monday as we take a short break to recharge and hopefully stay dry through this very “official start of winter” kind of weather that is apparently on its way ☔️

Wishing everyone a safe, cosy and relaxing long weekend.
We'll be back open on Tuesday.

When people hear the word “broker”, they automatically assume we only deal with home loans…but we’re also here to suppor...
28/05/2026

When people hear the word “broker”, they automatically assume we only deal with home loans…but we’re also here to support our small local business owners too.

Whether it’s reviewing lending structures, improving cash flow, refinancing existing debt or exploring alternative funding options, having the right support can make a huge difference. Sometimes it’s not just about securing finance, it’s about having someone in your corner who understands the pressures of running a business and can provide guidance, support and clarity around available options.

Right now, many SMEs are navigating rising costs, tighter cash flow, changing lending conditions and increasing regulatory pressures all at once. With upcoming Payday Super reforms also expected to impact borrowing power, it’s no surprise so many business owners are feeling the strain.

If you’ve been feeling the pressure lately, this is your reminder to lean on the experts around you - whether that’s your broker, accountant, bookkeeper or business adviser. The right advice and support now can save you stress, time and money in the long run, while setting you up for the new financial year ahead.

And as always, our door is always open for an obligation-free chat to review your current situation.

Long-term relationships are truly at the heart of what we do and there’s nothing more rewarding than walking alongside o...
26/05/2026

Long-term relationships are truly at the heart of what we do and there’s nothing more rewarding than walking alongside our clients through every stage of their journey - from first home buyers through to refinances, investments, businesses and everything in between!

We’re so grateful for the trust our clients place in us, no matter how many years have passed and we never take that for granted 💚

With all the budget chatter, fuel prices and rate talk flying around lately, there’s one thing we still see quite often…...
19/05/2026

With all the budget chatter, fuel prices and rate talk flying around lately, there’s one thing we still see quite often…people don’t actually know the value of using a mortgage broker when dealing with one of their biggest financial assets.

There are plenty of assumptions out there....and then there’s the reality.

People think mortgage broking is basically:
🟢 Have a quick chat over a coffee
🟢 Plug your numbers into a magic mortgage calculator
🟢 Pick the lender with the lowest rate
🟢 Email through some forms
🟢 Boom - homeowner by the weekend!

If only it worked like that 😅

What’s actually happening behind the scenes:
✅ Comparing lender policies (because the lender with the lowest rate isn’t always the right fit)
✅ Working through borrowing capacity across multiple lenders
✅ Negotiating with lenders on your behalf (because we know how to work the system in your favour...and you’ve probably got better things to do than sit on hold for hours!)
✅ Structuring your loan around your actual goals (not just what a computer says should work)
✅ Spotting potential issues before they become full-blown headaches
✅ Finding solutions when your situation doesn’t tick the standard lender boxes
✅ Politely-but-firmly nudging lenders for answers (sometimes more than once!)
✅ Explaining the finance jargon in actual human language

Behind every approval is strategy, problem-solving, persistence and a whole lot of behind-the-scenes work most people never see.

So if you’re unsure where you stand after the budget and worldly chaos, we’re always here for a chat, obligation free (and no - there’s no hidden invoice after the chat, mortgage brokers are generally paid by the lender after settlement of your loan 😉).

Address

891 S Western Highway
Byford, WA
6122

Opening Hours

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

Telephone

+61863192619

Website

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