Mortgage Finesse

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Mortgage Finesse Danielle Ridley is the Director and Founder of Mortgage Finesse.

At Mortgage Finesse, with award winning service and advice, we can provide you with access to a large range of different loans to allow you to get to all your financial life goals. She commenced in the industry in 2002 and previous to that, was involved in the Property industry. She continually works at expanding her professional knowledge which has led her to be sought after by some of Australia's brightest in the Finance and Property Sectors. Danielle Ridley is a Credit Representative (Credit Representative Number 398909]) of BLSSA Pty Ltd (Australian Credit Licence No. 391237).

Going through a separation or divorce can be an incredibly difficult and uncertain time.Among everything else you’re dea...
14/10/2026

Going through a separation or divorce can be an incredibly difficult and uncertain time.
Among everything else you’re dealing with, there are often some big financial decisions to make.

Can you afford to keep the family home?
Could you refinance and pay out your former partner?
Will the property need to be sold?
Can you afford to purchase again?

Understanding your financial position and knowing what options may be available to you can give you the clarity you need to make informed decisions about what comes next.

At Mortgage Finesse, we understand these conversations aren’t always easy. We’ll take the time to understand your situation, explain your options and guide you through the finance side of your next steps.

Your circumstances may be changing, but you don’t have to work out the financial side alone.

Get in touch with Mortgage Finesse to understand where you stand and what your next chapter could look like.

Buying off the plan can come with some great advantages, but it also means placing a lot of trust in a project that isn’...
11/10/2026

Buying off the plan can come with some great advantages, but it also means placing a lot of trust in a project that isn’t finished yet.

The recent Bathla Group situation is a timely reminder of some of the risks buyers need to consider when purchasing before a home is built.

Buying off the plan may allow you to:
🏠 Secure a property at today’s price for settlement later
💰 Have more time to save before settlement
🏠 Move into a brand-new home with modern features

But a lot can change between signing the contract and getting the keys.

Construction can be delayed, the finished property may differ from expectations, its market value can change and, in some cases, problems with the developer can create even more uncertainty.

And your finances can change too.

Your income, expenses, borrowing capacity, lending policies and the property’s valuation may all look different by the time settlement arrives.

That’s why it’s worth doing your homework, getting independent legal advice and talking about your finance early in the process.

Considering buying off the plan? Talk to Mortgage Finesse about your finance options and what you can do now to prepare for settlement.

Spring is here, more properties are hitting the market, and Christmas will be here before we know it.If buying a propert...
08/10/2026

Spring is here, more properties are hitting the market, and Christmas will be here before we know it.

If buying a property is on your radar, now is a great time to start getting your finances organised.

Having home loan pre-approval can give you a clearer idea of your borrowing capacity and help you shop with more confidence when the right property comes along.

Don’t wait until you’ve found the house you love to start thinking about finance.

Get in touch with Mortgage Finesse to discuss your options and get home-loan ready before Christmas.

Are you sick of automated replies and wondering whether you’re actually talking to a real person?When it comes to someth...
06/10/2026

Are you sick of automated replies and wondering whether you’re actually talking to a real person?

When it comes to something as important as your home loan, sometimes you just want to speak to an actual human.

At Mortgage Finesse, that’s exactly what you’ll get.
Real people. Real conversations. Real support.

Whether you have a question about your current loan, you’re thinking about refinancing, or you’re planning your next move, you can pick up the phone and talk to us.

No bots pretending to be human. Just people who are here to help — and that’s not going to change.

Contact Mortgage Finesse (03) 9020 1420 | [email protected] | mortgagefinesse.com.au

Are your home loan repayments becoming difficult to manage?If you’re struggling to make ends meet, asking your lender fo...
02/10/2026

Are your home loan repayments becoming difficult to manage?

If you’re struggling to make ends meet, asking your lender for a repayment pause or hardship arrangement might seem like the obvious next step — but it’s worth understanding all your options first.

Depending on the type of arrangement, it may affect your credit history and could impact your ability to borrow again in the near future.

Before you make any changes to your home loan, speak with the Mortgage Finesse team.

We can review your current loan and circumstances and help you explore your options. Contact us on 9020 1420 | [email protected] | mortgagefinesse.com.au

The RBA has increased the cash rate again, lifting it by 0.25 percentage points to 4.60%.For mortgage holders, another r...
30/09/2026

The RBA has increased the cash rate again, lifting it by 0.25 percentage points to 4.60%.

For mortgage holders, another rate rise can mean higher repayments if your lender passes the increase on.

But this is also a good reminder that you don’t necessarily have to simply accept what you’re paying.

Even if you’re not planning to buy or refinance right now, it may be worth reviewing your current home loan to see whether it still suits your needs.

A review could help you understand your current rate, what other options may be available and whether there’s an opportunity to negotiate with your existing lender.

If rising repayments are putting pressure on your household budget, your lender may also offer options.

Get in touch with Mortgage Finesse to review your home loan and understand your options.

Your home loan may have been a great fit when you first took it out — but when was the last time you reviewed it?Over ti...
24/09/2026

Your home loan may have been a great fit when you first took it out — but when was the last time you reviewed it?

Over time, your income, expenses, property value and financial goals can change. Loan products, features and interest rates can change too.

A home loan review can help you understand your current position and whether your existing loan structure continues to suit your circumstances.

At Mortgage Finesse, we can review your current lending, discuss what you’re working towards and explore the options that may be available to you.

Your home loan doesn’t have to be set and forget.

Let’s take another look. Call(03) 9020 1420
[email protected] | mortgagefinesse.com.au

Your home isn't just somewhere you live: the equity you've built may also open the door to future investment opportuniti...
22/09/2026

Your home isn't just somewhere you live: the equity you've built may also open the door to future investment opportunities.

Depending on your circumstances and strategy, accessing equity could potentially help you invest in areas such as:
🏡 Property
🏢 Commercial property
📈 Shares or other investments

At Mortgage Finesse, we can work alongside your accountant and/or financial planner to help structure lending that supports your broader wealth creation strategy.

You’ve worked hard to build your equity. Could it now help you work towards your next financial goal?

Let’s explore what’s possible.
03) 9020 1420 | [email protected] | mortgagefinesse.com.au

If a significant amount of your income is going towards rent each month, you might be wondering whether buying a home co...
17/09/2026

If a significant amount of your income is going towards rent each month, you might be wondering whether buying a home could be possible.
The answer may surprise you.

Buying isn’t automatically the right choice for everyone, and comparing rent with a mortgage repayment is only part of the picture.
But knowing your numbers gives you options.

We can help you understand your potential borrowing capacity, the deposit you may need, approximate loan repayments, other costs associated with purchasing and any first home buyer options that may be available to you.

Even if buying is six or twelve months away, starting the conversation now can give you a clear goal to work towards.

Don’t assume you can’t buy. Find out.
9020 1420 | [email protected] | mortgagefinesse.com.au

It’s one of the biggest financial questions that can arise during a separation.Can I afford to keep our home?Or, if keep...
10/09/2026

It’s one of the biggest financial questions that can arise during a separation.

Can I afford to keep our home?

Or, if keeping it isn’t right for you, what could you afford to buy on your own?

Before making major decisions, understanding your borrowing position can provide valuable clarity.

We can help you understand whether refinancing and buying out your former partner may be possible, what repayments could look like on your income, how much you may be able to borrow and what purchasing another property could look like.

You may not know exactly what your future looks like yet, but knowing your financial options can help you make informed decisions about what comes next.

We’re here to provide practical guidance, care and discretion throughout the process. Call 9020 1420 to book a time for a confidential chat.
[email protected] | mortgagefinesse.com.au

Address

252 Nepean Highway
Edithvale, VIC
3196

Opening Hours

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

Telephone

+61390201420

Website

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