Payal Varma, Finance Broker.

Home
Australia
Chadstone
Payal Varma, Finance Broker.

Call Website Contact the business

At Safehaven Finance, we specialise in commercial, business, and investment lending.

We help clients navigate complex finance with clarity, providing tailored solutions that support growth, stability, and long-term success.

30/10/2026

Nothing means more to us than hearing from happy clients.

Thank you, Sophie, for your thoughtful review and for choosing Safehaven Finance. We're grateful for the opportunity to support you throughout your home loan journey and are delighted we could make the process smooth and stress-free.

Here's to new beginnings!

Call us for more details: +61 433 564 936
Book a strategy chat:https://tinyurl.com/safehavenfinance

29/10/2026

“No other debts, I promise.” ...oh wait. Afterpay. 😅

We’ve all done it. Those little buy now, pay later accounts are so easy to forget about.

Here’s the useful bit: lenders can take them into account when working out how much you can borrow, even when the balance is small. So it’s worth knowing about them before you apply, not after.
The good news? It’s easy to sort out when we know early. Tell us everything, even the couch, and we’ll work through it together. No judgement, just a plan.

Planning to buy or refinance? Send us a message, and we’ll check where you stand.

SafeHaven Finance
Your safe place for all finance needs.

*General information only, not personal advice

[best mortgage broker Melbourne | refinance home loan Melbourne | construction loans Melbourne | mortgage broker Melbourne | home loan broker Melbourne | best home loan rates Melbourne | home loan mortgage broker | best investment home loan rates australia | cheapest home loan rates in australia | interest rates australia home loan]

28/10/2026

Good news from ASIC’s review of mortgage brokers: brokers did not appear to favour lenders that pay higher commissions.

Make the most of it by asking your broker:
1️⃣ Why this loan over the others?
2️⃣ What will each option cost me over 5 years?
3️⃣ Which features am I paying for, and will I use them?
A great broker welcomes these questions and explains the answers.

At SafeHaven Finance, we compare loans across 50+ lenders and tell you exactly why we recommend each one.

Call us for more details: +61 433 564 936
Book a strategy chat:https://tinyurl.com/safehavenfinance

General information only. Not personal financial advice. Source: ASIC.

27/10/2026

Higher interest rates don't automatically close the door to your first home.

The Australian Government's 5% Deposit Scheme could help eligible first home buyers get into the market sooner, without needing to save a 20% deposit.

Here's what it offers:
✅ Buy with a deposit as low as 5%
✅ Avoid Lenders Mortgage Insurance (LMI)
✅ No income caps and unlimited scheme places
✅ Property price caps apply, Melbourne and Geelong have a $950,000 cap.

But here's the part that matters most in a higher-rate market.

A smaller deposit means borrowing more of the purchase price. And just because a lender says you can borrow a certain amount doesn't mean you should.

Before you start house hunting, understand your borrowing capacity, repayments and the other costs of buying.

The goal isn't just to get into the market. It's to make sure you can comfortably stay in it.

At SafeHaven Finance, we help first home buyers understand their options and make informed decisions before they fall in love with a property.

Comment DEPOSIT and let's work out where you stand.
SafeHaven Finance Your safe place for all finance needs.

*General information only, not personal advice

Call us for more details: +61 433 564 936
Book a strategy chat:https://tinyurl.com/safehavenfinance

best mortgage broker Melbourne | refinance home loan Melbourne | construction loans Melbourne | mortgage broker Melbourne | home loan broker Melbourne | best home loan rates Melbourne | home loan mortgage broker | best investment home loan rates australia | cheapest home loan rates in australia | interest rates australia home loan

26/10/2026

“Can you walk me through my options?” 🙋‍♀️

Honestly, it’s one of my favourite questions to hear. 😄

Whether you’re buying, refinancing or just starting to think about it, you don’t need to have it all figured out before you reach out. Asking is the first step, and no question is too small.

The more you understand, the more confident your decision will be.

If you’ve been wondering where to start, send me a message. I’ll walk you through it in plain English.

SafeHaven Finance

Your safe place for all finance needs.

*General information only, not personal advice

[best mortgage broker Melbourne | refinance home loan Melbourne | construction loans Melbourne | mortgage broker Melbourne | home loan broker Melbourne | best home loan rates Melbourne | home loan mortgage broker | best investment home loan rates australia | cheapest home loan rates in australia | interest rates australia home loan]

24/10/2026

Suncorp has stopped accepting new home loan applications from 7 October. So what happens if Suncorp was part of your plan?

The key is having alternatives ready.

For borrowers, this change means:
→ New Suncorp lending applications are no longer being accepted
→ Existing applications can continue, but key approval and settlement deadlines still apply
→ Some existing loan changes may now need another lender or ANZ
→ Comparing lenders matters more when policies or products change quickly
→ Rate alone isn’t enough, features, fees, flexibility and eligibility all matter
One lender changing course shouldn’t leave your finance strategy stuck.

At Safe Haven Finance, we help borrowers compare suitable options across different lenders and understand which loan structures may fit their circumstances.

Need a Plan B for your home loan? Let’s review your options.

General information only. Not personal financial advice.

Call us for more details: +61 433 564 936
Book a strategy chat:https://tinyurl.com/safehavenfinance

23/10/2026

From hesitation to confidence in their third investment property journey!

Buying another investment property is a big decision, and having the right guidance can make all the difference.

Hear from our happy clients as they share how Payal from Safe Haven Finance made their property investment journey smooth, clear and stress-free, guiding them through every step of the process.

Because finding the right property matters, but having someone you can genuinely trust along the way matters just as much.

📩 Planning to buy your next investment property in Australia? Let's make your property journey a confident one.

Call us for more details: +61 433 564 936
Book a strategy chat:https://tinyurl.com/safehavenfinance

20/10/2026

Six months of falling home values. Could your LVR have changed?
It might be worth checking.
Your loan-to-value ratio (LVR) is the amount you owe compared with your property's value.

For example, if you owe $800,000 on a home worth $1 million, your LVR is 80%.
If the property's value falls to $950,000 and your loan balance stays the same, your LVR rises to 84.2%.

Same loan. Different lending position.

Why does this matter?
→ Your LVR can influence the lenders and loan options available to you.
→ More equity may give you greater flexibility when reviewing your home loan.
→ If your LVR is higher, refinancing could involve lenders mortgage insurance (LMI), depending on the lender and your circumstances.

You don't need to make a move just because property values have changed. But understanding your current position can help you make informed decisions.

Do you know your current LVR?
At SafeHaven Finance, we can help you understand your equity and explore your home loan options.

General information only, not personal financial advice. Property values are estimates and may differ from a lender's valuation. Lender policies, eligibility criteria and LMI requirements vary.

Source: Cotality, September 2026 Home Value Index.

Call us for more details: +61 433 564 936
Book a strategy chat:https://tinyurl.com/safehavenfinance

best mortgage broker Melbourne | refinance home loan Melbourne | construction loans Melbourne | mortgage broker Melbourne | home loan broker Melbourne | best home loan rates Melbourne | home loan mortgage broker | best investment home loan rates australia | cheapest home loan rates in australia | interest rates australia home loan

Address

South East Melbourne
Chadstone
3167

Telephone

+61433564936

Website

http://www.safehavenfinance.com.au/, http://linkedin.com/company/safehavenfinance/?viewAsMember=true, https://www.instag

Alerts

Be the first to know and let us send you an email when Payal Varma, Finance Broker. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.