Cobblestone Financial

Cobblestone Financial Cobblestone Financial is about structured, financial solutions to help you achieve your goals. Understanding your strengths and weaknesses. Clients are for life.

At Cobblestone Financial, we know It's not just about getting a loan, it's more than that...
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It's about getting to know you as a client. Learning what your goals are both short and long term. It's about listening, I mean really listening, and then coming up with a specific plan that is going to help you achieve your goals as well as considering your future. What is important to you? What are you

r hopes and dreams? What does your retirement look like? All of these questions will help design the correct facility that will work for you, leveraging on your strengths and putting strategies in place to ensure you reach your goals no matter what. This is not a set and forget process. This is an ongoing service.

Your home-loan statement is worth reading beyond the repayment figure. A quick check can help you understand whether the...
03/09/2026

Your home-loan statement is worth reading beyond the repayment figure. A quick check can help you understand whether the loan still reflects what you think you have.

📄 Current balance
📌 Interest rate and fees shown
🔁 Repayment type and frequency
🔗 Any linked offset or other features

If something looks unfamiliar, ask before making changes. Loan features and costs vary, so the right next step depends on your circumstances.

Bring your latest statement to a home-loan review. Book a complimentary initial consultation here:
https://www.cobblestonefinancial.com.au/book-appointments/

A zero balance does not always mean a credit facility should be left out of your home-loan conversation.When you are pre...
03/09/2026

A zero balance does not always mean a credit facility should be left out of your home-loan conversation.

When you are preparing to apply, share the complete picture with your broker, including:

- Credit and store cards, even when they are unused
- Personal and car loans
- Buy now, pay later accounts
- Overdrafts and lines of credit

Different lenders may assess facilities in different ways. Raising them early gives your broker the information needed to review your position properly and identify questions before an application is submitted.

Bring every facility to an application-readiness review:
https://www.cobblestonefinancial.com.au/book-appointments/

An investor application is easier to assess when the whole portfolio is mapped before lender comparisons begin.🏘️ List e...
02/09/2026

An investor application is easier to assess when the whole portfolio is mapped before lender comparisons begin.

🏘️ List every property, loan balance and repayment.
💳 Include credit-card limits and other debts.
🧾 Gather current rental statements and relevant income evidence.
🗺️ Record ownership and security details so the loan structure is clear.

A complete commitments map helps identify questions early and keeps the lending conversation focused.

Book a complimentary initial consultation here:
https://www.cobblestonefinancial.com.au/book-appointments/

House hunting this Saturday? 🏡The price on the listing isn't the whole buying budget.Alongside your deposit, it helps to...
29/08/2026

House hunting this Saturday? 🏡

The price on the listing isn't the whole buying budget.

Alongside your deposit, it helps to allow for other buying costs and ongoing home expenses. The exact costs vary depending on the property, location, lender and your circumstances.

Before making an offer, it can be useful to check how the full picture fits your lending position.

Want to know where you stand? Send me a message and let's work through the lending side. 💬

Book a complimentary initial consultation here:
https://www.cobblestonefinancial.com.au/book-appointments/

Mortgage myth: 'My everyday bank already knows me, so it must be the easiest option.' Familiarity can be convenient, but...
27/08/2026

Mortgage myth: 'My everyday bank already knows me, so it must be the easiest option.' Familiarity can be convenient, but it does not tell you whether the current loan still suits your needs or whether another lender's policy, features and total cost may fit better. A proper review should compare the current lender with alternatives and include switching costs, loan term and useful features. Staying may still be the right outcome - but it should be an informed one. Book a complimentary initial consultation here: https://www.cobblestonefinancial.com.au/book-appointments/

If you are a single parent considering a home purchase, the starting point is a complete lending picture - not a guess b...
26/08/2026

If you are a single parent considering a home purchase, the starting point is a complete lending picture - not a guess based on income alone. Lenders may assess income, regular expenses, existing commitments, deposit funds, credit history and the property being purchased. Evidence requirements and treatment of income vary. Danielle can help you organise the lending side at a pace that feels manageable. Explore Cobblestone Financial's single-parent service and book a complimentary initial consultation here: https://www.cobblestonefinancial.com.au/services/ | https://www.cobblestonefinancial.com.au/book-appointments/

Getting help from family with a first-home deposit can be a generous head start. Before the application begins, explain ...
26/08/2026

Getting help from family with a first-home deposit can be a generous head start. Before the application begins, explain where the funds came from and whether any part is expected to be repaid. A lender may ask for evidence depending on the application and its own criteria, and any genuine repayment obligation needs to be included in the full financial picture. A clear conversation early can prevent last-minute questions. Book a complimentary initial consultation here: https://www.cobblestonefinancial.com.au/book-appointments/

Fixed, variable or split? The useful question is not which one sounds best today. It is which structure fits the way you...
23/08/2026

Fixed, variable or split? The useful question is not which one sounds best today. It is which structure fits the way you budget, make extra repayments and use loan features.

A fixed portion may offer repayment certainty, while a variable portion may provide more flexibility. A split loan can combine both, but the balance needs to suit your circumstances. Loan features, fees and break costs matter too.

Book a complimentary initial consultation: https://www.cobblestonefinancial.com.au/book-appointments/

Thinking about a home loan in the months ahead? 🏡A useful Sunday preparation task is checking your credit report before ...
23/08/2026

Thinking about a home loan in the months ahead? 🏡

A useful Sunday preparation task is checking your credit report before you apply. Credit providers may use information in your report when assessing an application.

Start by:

🔎 Requesting a free copy of your credit report
✅ Checking that your personal details are correct
📝 Making sure the listed accounts and debts belong to you

If something is incorrect or out of date, you can ask the credit reporting body to correct it. Genuine errors can be corrected free of charge, but accurate negative information cannot simply be removed.

Checking early does not guarantee approval, and lenders assess applications differently. It can, however, help you begin the lending conversation with a clearer picture.

💬 Want to discuss the lending side of your plans? Send me a message.

📅 Book a complimentary initial consultation here:
https://www.cobblestonefinancial.com.au/book-appointments/

🏡 Not sure whether your next step is buying, refinancing or investing?You do not need every answer before you start. A m...
21/08/2026

🏡 Not sure whether your next step is buying, refinancing or investing?

You do not need every answer before you start. A mortgage conversation can help organise the lending side: your goals, what may be affordable, how different loan options work, and what might need attention before an application. 🔎📋

Lenders assess applications differently, and suitable options depend on your circumstances and lender criteria.

Want to know where you stand? Send me a message, or book a complimentary initial consultation here:
https://www.cobblestonefinancial.com.au/book-appointments/ 📞✨

Address

27 Norseman Way
Mandurah, WA
6211

Opening Hours

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

Telephone

+61410691048

Website

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