KLM finance

KLM finance Hi, I’m Kerry McKenzie 👋🏼 a Mortgage Broker
Making finance clear, easy, less overwhelming & personal. We know finance is not one-size-fits-all. Transparency.

Home Loans 🏡
Construction 🏗
Refinance 🔁
Servicing Australia KLM finance provides personalised mortgage advice to clients across Australia. Every client’s situation is different, which is why we take the time to understand your goals, explain your options clearly, and structure a loan solution that supports your next move — and the one after that. With access to a broad panel of lenders, including

major banks and respected non-major institutions, we carefully compare options so you don’t have to. From initial consultation through to settlement and beyond, we remain committed to clear communication, considered advice and long-term client relationships. Services include:

• First home purchases
• Refinancing and loan restructuring
• Construction and building finance
• Investment property loans
• Debt consolidation
• Portfolio growth strategies

Integrity. Ongoing support. Proudly nominated for industry awards and recognised for outstanding client service. Servicing clients Australia-wide via secure online appointments. You find the property — we’ll find the loan.

🏦 Buying Through a Company or Trust? Here’s What You Need to Know 👇Some banks have been pulling back from lending to com...
08/09/2026

🏦 Buying Through a Company or Trust?

Here’s What You Need to Know 👇

Some banks have been pulling back from lending to companies and trusts — but the good news is, we still have options.

Here are a few things you need to know:

✅ Borrowing limits
• Most lenders: up to 80% LVR without LMI
• One lender: up to 85% LVR without LMI

✅ Trading restrictions
• The company or trust will usually need to be non-trading
• Dividend income from shares may be acceptable with some lenders
• Rental income from investment properties may be acceptable
• Only a handful of lenders will consider trading entities

✅ Additional requirements
• A certified trust deed will generally need to be provided
• Higher interest rates may apply
• The lender will usually review the trust structure upfront to make sure it is acceptable

✨ Broker tip: Getting the structure right from the start can save you time, money and stress later.

💬 Thinking about buying property through a company or trust? Reach out and I can help you understand which lenders may suit your structure and what documentation you’ll need.

💸 Are You Paying the “Loyalty Tax”?Are you paying more on your mortgage simply because you’ve stayed with the same lende...
07/09/2026

💸 Are You Paying the “Loyalty Tax”?

Are you paying more on your mortgage simply because you’ve stayed with the same lender for years?

That’s often referred to as the loyalty tax — and over time, it can cost borrowers thousands.

For some customers, refinancing has also become harder because higher interest rates mean they may no longer pass a new lender’s standard servicing assessment.

👉 But there may still be options.
Some lenders may assess eligible refinances using a lower test rate rather than the standard 3% serviceability buffer.

That can potentially help borrowers move to a better deal where the new repayments and interest rate are lower than their existing loan.

As your broker, my job is to look at your whole financial position.

That might mean:
🏦 Negotiating a sharper rate with your existing lender
🔎 Comparing your loan with other lenders
🧮 Working out whether refinancing genuinely makes financial sense

📩 Send me a DM to book a home loan review and let’s make sure loyalty isn’t costing you.

🏡 How Guarantor Loans Work — a.k.a the Bank of Mum & Dad 😉Don’t qualify for a government guarantee scheme or an LMI waiv...
04/09/2026

🏡 How Guarantor Loans Work — a.k.a the Bank of Mum & Dad 😉

Don’t qualify for a government guarantee scheme or an LMI waiver?

You may still have another option to help you avoid LMI and get into the property market sooner: a parental guarantor loan. 🚀

Here’s how it can work:

✨ Your parents — or another eligible close family member — use some of the equity in their property to support your loan.
✨ This can mean you don’t need the full 20% deposit.
✨ And potentially, you can avoid the additional cost of LMI. 💸

Example
👉Sarah’s parents came on as limited guarantors, using equity in their home to give Sarah the support she needed to buy her first property without a large deposit or LMI.

🙌 Pretty clever, right?

If you’re wondering whether a guarantor loan could help you get into your new home sooner, let’s chat and see whether it could work for you.

😂 “I love the bank”… said no one, ever!So why use a mortgage broker instead?✨ We have access to 30+ lenders — not just o...
03/09/2026

😂 “I love the bank”… said no one, ever!

So why use a mortgage broker instead?

✨ We have access to 30+ lenders — not just one.

✨ Our job is to understand you — your goals, your needs and even your quirks — then match your situation with the right lender and lending policy.

✨ Because it’s about way more than just the interest rate. It’s about finding the lender that actually says YES to your scenario.

Think of me as your mortgage matchmaker 💘

Except instead of awkward dates, you get a home loan that actually fits. 🏡

💬 DM me and let’s find the right lender match for you.

28/08/2026

🎯 BUY OR SELL FIRST? The great property juggle 🤹‍♀️🏡

Stuck on what to do first — buy your dream home or sell your current one? Here’s the rundown 👇

📦 SELL FIRST?
✅ Know exactly what you’ve got to spend
✅ No pressure to rush the sale
⚠️ Risk: you might be left couch-surfing while you house hunt

🔑 BUY FIRST?
✅ Snag that dream home before it’s gone
✅ Take your time moving out
⚠️ You could be stuck holding two home loans 😬
💥 Bridging Loans to the Rescue

These short-term loans give you up to 12 months breathing space to buy now, get your current home spruced up, styled, and sold — on your terms.

💡 Hot Tip: Bridging loans need planning, prep AND strategy.
✅ Know your numbers upfront
✅ Make sure you qualify before you dive in
✅ And always have a backup plan (because real estate never runs on schedule!)

📲 DM me to crunch the numbers and work out if a bridging loan fits your game plan — before you make your next big move.

Frequently Asked Question❓"How much deposit do I actually need?"The answer depends on your circumstances.Some buyers may...
27/08/2026

Frequently Asked Question❓

"How much deposit do I actually need?"

The answer depends on your circumstances.

Some buyers may need a larger deposit, while others could be eligible for government schemes or lender options that require less.

The best place to start is understanding your individual situation.

📩 If you're unsure where you stand, we'd be happy to chat.

26/08/2026

🐾 Happy International Dog Day!

Let’s be honest… brokers and dogs have a lot in common:
✔️ We’re loyal
✔️ We chase things relentlessly (approvals, not sticks)
✔️ We work all hours
✔️ And we get overly excited when the postie drops off a formal approval 📬

Today’s the day we celebrate the real MVPs of the home loan journey — the furry friends who sit next to us during Zoom calls, bark during lender updates, and snooze through BDM presentations like true pros.

Got a pup that’s helped you through a tricky deal? Tag them below and show off your four-legged office assistant! 🐶💻

HSBC has confirmed it's exiting Australian retail banking, with its home loan portfolio being sold to a non-bank lender....
25/08/2026

HSBC has confirmed it's exiting Australian retail banking, with its home loan portfolio being sold to a non-bank lender.

If you're one of their mortgage customers, that means a new team, new processes, and a new point of contact — even though your rate and repayments stay on track for now.

Our take: it's worth understanding where you stand before the transition happens, not after — while you've still got choices in front of you.

If you're with HSBC, let's have a quick chat about your options.

📩 Send us a message or pop us an email.

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