Danielle Broderick - Cobblestone Financial

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Danielle Broderick - Cobblestone Financial Director / Mortgage Broker at Cobblestone Financial I have found this transition the most rewarding job far above anything else I have ever done.

With over 30 years of experience in residential lending, and many years spent working for banks, mortgage managers and franchise networks, I decided to finally sit in the driver's seat and become a Mortgage Broker. Sitting down with a new client, listening to their story and watching them explain to me what they hope to achieve is the most exciting part of my day. Getting someone into their first home, or into an investment property and being a part of that excitement is what makes this job worth it. Saving people money, or helping them to get their finances back in order after a set back is so rewarding and fulfilling, I can't imagine ever doing anything else.

Found a property you like? Before making an offer, check that it fits the lending plan. 🏡🔑Consider:✅ price and available...
15/10/2026

Found a property you like? Before making an offer, check that it fits the lending plan. 🏡🔑

Consider:
✅ price and available funds
✅ property type and location
✅ valuation risk
✅ lender requirements
✅ finance and contract time frames

Pre-approval is not a guarantee for every property. Get legal advice on the contract and clarify the lending fit before committing. 📋🔎

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

Thinking about refinancing? A lower advertised rate is only one part of the decision. 🔄🏡A proper review should consider:...
14/10/2026

Thinking about refinancing? A lower advertised rate is only one part of the decision. 🔄🏡

A proper review should consider:
✅ discharge and application costs
✅ package or annual fees
✅ the remaining loan term
✅ feature changes
✅ how long it may take to recover the costs

There is no guaranteed saving. The numbers and structure need to work for your circumstances. 📊🔎

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

A repeat buyer wants to secure the next home before selling the current one. What needs attention first? 🏡➡️🏡In this com...
12/10/2026

A repeat buyer wants to secure the next home before selling the current one. What needs attention first? 🏡➡️🏡

In this composite scenario, the lending review maps:
✅ current mortgage and equity
✅ deposit and purchase costs
✅ overlapping repayments
✅ likely sale timing
✅ lender conditions and buffers

The right path depends on the full circumstances. Get legal and property advice where required, and clarify the finance before committing. 📋🔎

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

Conditional approval is an important step, but it is not the finish line. 📋There may still be conditions relating to:✅ p...
01/10/2026

Conditional approval is an important step, but it is not the finish line. 📋

There may still be conditions relating to:
✅ property valuation
✅ updated documents
✅ confirmation of funds
✅ acceptable contracts or insurance
✅ no material change in circumstances

Read every condition and ask questions early. Formal approval is only confirmed when the lender says it is. 🏡🔎

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

The Reserve Bank of Australia (RBA) has raised the cash rate by 25 basis points to 4.60% at its September meeting. Read ...
29/09/2026

The Reserve Bank of Australia (RBA) has raised the cash rate by 25 basis points to 4.60% at its September meeting. Read the full statement here.

Underlying inflation remains persistently above target. Annual trimmed mean inflation – the RBA’s preferred measure – held at 3.6% in the 12 months to July 2026, unchanged from June and still well above the RBA’s 2-3% target band, according to the Australian Bureau of Statistics.

In a recent interview, RBA Deputy Governor Andrew Hauser was candid about the central bank’s concern, pointing to three key risks pushing inflation higher: the ongoing Middle East conflict, the global AI boom driving up prices and the weaker-than-expected supply capacity of the Australian economy. Governor Michele Bullock reinforced the message in an address to parliament, saying “inflation is too high” and that the Board is focused on “making sure that it does not become embedded into price and wage-setting decisions”, a risk that becomes harder to manage the longer inflation stays above target.

Four cash rate rises in a single year is significant. If you’d like to understand what this means for your repayments or explore your options, I’m here to help.
https://www.cobblestonefinancial.com.au/book-appointments/

Common mistake: choosing a repayment amount without checking the loan term behind it. ⚠️A longer term may reduce the sch...
29/09/2026

Common mistake: choosing a repayment amount without checking the loan term behind it. ⚠️

A longer term may reduce the scheduled repayment, but it can also change the total interest paid over time. A shorter term may increase the repayment. 📊

Compare:
✅ repayment amount
✅ remaining term
✅ total cost
✅ flexibility for extra repayments

Look at the whole structure before deciding. 🏡🔎

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

For an investor application, the purchase price is only part of the lending picture. 🏘️Build a realistic file that consi...
26/09/2026

For an investor application, the purchase price is only part of the lending picture. 🏘️

Build a realistic file that considers:
✅ deposit and purchase costs
✅ existing debts and limits
✅ rental income treatment
✅ ongoing property expenses
✅ a buffer for changes

Lenders assess income and commitments differently, so the full picture matters. 📊🔎

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

Mortgage myth: more features always mean better value. ❌An offset, redraw, package or extra repayment option can be usef...
25/09/2026

Mortgage myth: more features always mean better value. ❌

An offset, redraw, package or extra repayment option can be useful, but only when it matches your needs and the total cost makes sense. 🔎

Ask:
✅ Will I use this feature?
✅ Does it support my repayment plan?
✅ What fees or conditions apply?

Good structure is personal, not a feature-counting competition. 🏡📋

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

After separation, a debt can still matter to a lender even when someone else is making the repayments. 🧭Start by listing...
24/09/2026

After separation, a debt can still matter to a lender even when someone else is making the repayments. 🧭

Start by listing:
✅ joint home loans
✅ credit cards and personal loans
✅ guarantees
✅ accounts that still need to be closed or refinanced

The legal settlement and the lending assessment are different conversations. Obtain legal advice where needed, then let’s map the lending position clearly. 📄🏡

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

Saving the deposit is one milestone. Explaining where it came from is another. 🏡Before applying, keep a clear trail for:...
23/09/2026

Saving the deposit is one milestone. Explaining where it came from is another. 🏡

Before applying, keep a clear trail for:
✅ regular savings
✅ gifted funds
✅ sale proceeds
✅ transfers between your own accounts

Lenders may ask for different evidence, so organise it early and avoid last-minute searching. 📄🔎

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

Address

Dawesville, WA
6211

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 1pm

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