Violeta Finance: Mortgage & Finance Specialist

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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 Refinance
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.

19/10/2026

Two kids reduced this couple’s estimated home loan borrowing power by $135,000.

With no dependants, they could potentially borrow $759,000.

One dependant: $691,000
Two dependants: $624,000

Lenders factor dependants into their living-expense calculations, but the result can vary significantly between lenders.

Want a ballpark estimate of your home loan borrowing power? Try our free calculator via the link in our bio.

General information only. Calculator results are estimates and lending criteria apply.

09/09/2026

She bought her
FIRST HOME at 58 yrs old

07/09/2026

Pay for everything on your credit card. Collect the points. Pay it off before interest is charged.

It can feel like the perfect system.

But when you apply for a home loan, lenders look at at your credit card limit (not balance) as a liability. That limit reduces your borrowing power, even if you don’t owe any money on the card.

31/08/2026

If your lender won’t lower your rate, it may be worth getting a second opinion.

A free Home Loan Interest Rate Review can help you understand where your current loan sits and what options may be available.

Book a Home Loan Interest Rate Review with Carl.

30/08/2026

Should I record a video about which Centrelink payments home loan lenders will accept?

29/08/2026

If your home loan rate feels too high, but you’re not sure what to do next, this is what a review with Carl looks like.

A quick call.
A few basic questions.
A check of where your current rate sits.
Then clear options, whether that’s staying put, asking your current lender for a better rate, or looking at refinancing.

Book your free Home Loan Interest Rate Review with Carl.

26/08/2026

Single self-employed person $200k income
No kids
No debts
Living expenses under $4,600p/m

Home loan borrowing capacity:

Lender 1: $815,269
Lender 2: $812,396
Lender 3: $808,829
Lender 4: $800,954

Serviceability criteria and lending conditions apply. Although the information in this video is accurate at the time of posting based on the variables described, personal circumstances will affect borrowing capacity as well as each individual lender’s lending and assessment policy which can (and often does) change. The information provided is for demonstrative purposes only.

26/08/2026

Nurses may have access to home loan benefits that could help them save money and potentially borrow more.

Depending on the lender and eligibility criteria, these may include:

• Avoiding Lenders Mortgage Insurance with less than a 20% deposit
• Accessing a discounted home loan interest rate
• Having up to 100% of regular overtime income included when borrowing power is calculated

Many lenders only include around 70% to 80% of overtime income. When more of your verified income is accepted, it could increase how much you’re eligible to borrow.

Want to know which lender policies may be available to you? Book a free consultation through the link in our bio.

Eligibility criteria and individual lender policies apply.

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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