Violeta Finance: Mortgage & Finance Specialist

Violeta Finance: Mortgage & Finance Specialist Community focused Mortgage & Finance Brokers, helping families and businesses get a fair deal on their Home Loans, Car Finance, and Commercial Finance.

Violeta Finance is an award winning, community focused Mortgage and Finance Brokering business. Owned by Carl and Jo Violeta, we help local families get a fair deal on their home loans, and achieve their property and finance dreams. We service Victoria's South East and the Mornington Peninsula. Our services include:
Home Loans
First Home Buyer Home Loans
Car Finance
Home Loan Coaching
Mortgage Ref

inance
Debt Consolidation
Commercial Finance

We have a strong focus on education and offer regular First Home Buyer, and Investment Property Seminars, informative blog posts, and videos, and our exclusive Home Loan Coaching service. Our service offer is designed to ensure convenience for our clients. We offer a mobile service, and our office is pram and child friendly and registered with the Australian Breastfeeding Association. Our commitment to ethical practice and excellent customer service was recently recognised by the Mortgage and Finance Association of Austraia (MFAA). Violeta Finance was awarded with MFAA Excellence Awards in the Community Champion and Newcomer categories.

16/06/2026

They’re ALL essential. Every. Single. One. ⛳️ 🏌🏾‍♂️🐅

16/06/2026

Even if you don’t owe anything on your credit card, the bank will still look at the limit as a liability.

This example is based on $190k combined income and no dependents.

Not financial advice, general information only.

How much your credit card limit reduces your home loan borrowing capacity
$1k cc limit: -$4659
$2k cc limit: -$9,323
$5k cc limit: -$23,316
$10k cc limit: -$46,637
$20k cc limit: -$93,279
$25k cc limit: -$116,600
$30k cc limit: -$139,921
$50k cc limit: -$233,205

15/06/2026

Follow for daily First Home Buyer Tips. 20 tips for first home buyers in 20 days: Tip 1

14/06/2026

Ooopps sorry!!! lol

We run an interest rate discount program where we negotiate heaper interest rates for our current clients. To make sure they’re always getting the best rate available to them.

If the lender won’t drop the interest rate, we’ll look at refinancing the client to another lender offering a better deal

10/06/2026

How much would the mortgage repayments be on this beautiful 4 bedroom home in Frankston?

05/06/2026

Receiving child support? It could help you borrow more for a home loan than you think.

If you’re receiving child support and you’re applying for a home loan, the bank may consider that as income when they’re assessing your borrowing power.

But the policy around this will vary between different lenders. There’s no like blanket rule.

04/06/2026

Book a free home loan consultation, so we can help you find out if there’s a better deal out there for you.

03/06/2026

Put your cash rate and interest rate questions in the comments :)

Address

Benchmark Corporate Centre, Level 1, Suite 42, 93 Wells Road
Carrum Downs, VIC
3196

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm

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