Elevate Financial - Michelle Southern

Elevate Financial - Michelle Southern Your local finance specialist - partnering with you to help reduce debt and build wealth.

CRN: 470881
Your full financial situation and requirements must be assessed prior to any offer or acceptance of a loan product. I am your local mortgage broker, specialising in residential, personal and business finance in Tugun, Burleigh, Miami QLD and surrounding suburbs. Reach out today for your free, no-obligation chat (or get started online) and let me do the legwork for you. Home purchasing

Refinancing
Loan applications
Home loans
First home buyers
Investment loans
Repricing
Next home loan
Personal loans

Get Started Online:

https://my.loanmarket.com.au/512d4d15-f452-4468-96e4-feaab7bff0c0 #/get-started

Mortgage support should feel clear, honest, and stress-free.We’re so grateful for this wonderful feedback from Sam Mirza...
15/06/2026

Mortgage support should feel clear, honest, and stress-free.

We’re so grateful for this wonderful feedback from Sam MirzaGharcheh, who trusted Michelle and the Elevate Financial team throughout the process.

At Elevate Financial, we take pride in making the lending journey easier to understand, being available when questions come up, and helping clients feel supported from start to finish.

Thank you, Sam, for your kind words and recommendation.

Looking for reliable mortgage guidance?

Complete the contact form through the link in our bio and let’s help you understand your next steps.

10/06/2026

Most people start with the property. The smart ones start with the strategy.
SMSF property investing isn't just a different loan — it's a different structure, a different compliance obligation, and a decision that needs to work for your fund before it works for the property.
If you're thinking about using your super to invest in property, the link in our bio is the right place to start.

A new lender, a stronger mortgage position, and clients who felt genuinely supported throughout the process.We’re so gra...
08/06/2026

A new lender, a stronger mortgage position, and clients who felt genuinely supported throughout the process.

We’re so grateful for this beautiful feedback from Janette Gibbons.

At Elevate Financial, we believe great mortgage guidance is about more than finding a loan. It’s about understanding your situation, reviewing your options, and helping you move forward with clarity and confidence.

Thank you, Janette, for trusting Michelle and the Elevate Financial team with your mortgage journey.

Thinking about reviewing your current home loan?

Complete the contact form through the link in our bio and let’s help you understand your options.

07/06/2026

Most Australians are earning 4% on their savings while paying 6% on their mortgage. That's a losing trade. 💡

An offset account fixes that — silently cutting your interest every single day, without locking away a single dollar.

Not all lenders offer a true 100% offset. We'll find you one that does.
Link in bio → complete the contact form and we'll walk you through it.

07/06/2026

Want a stronger home loan option? Start before you apply.

A lower rate is not just about asking for one. Your income, debts, credit limits, spending habits and loan structure can all affect how your application is assessed.

Before your next mortgage meeting, review the file a lender will actually see.

Because the right strategy is not always just about the lowest rate.

Save this post for your next mortgage meeting.

05/06/2026

Your tax refund or annual bonus could do more than cover short-term spending.

For some borrowers, making one extra lump-sum repayment each year may help reduce the loan principal faster and lower the interest paid over time.

It doesn’t have to be complicated — even one strategic payment can make a difference, depending on your loan balance, interest rate, repayment structure and personal situation.

Thinking about using extra money more strategically? Complete the contact form via the link in our bio and let’s review your home loan structure.

04/06/2026

Refinancing to a lower rate is great — but what you do next can make a big difference.

Many borrowers reduce their repayment after refinancing, but keeping your old repayment amount could help you pay down the loan faster because more of each payment may go towards the principal.

It’s a simple strategy, but it needs to suit your cash flow, loan structure and long-term goals.

Thinking about refinancing? Complete the contact form via the link in our bio and let’s review whether your current loan is still working for you.

04/06/2026

A mortgage strategy you might not know 👇

Some homeowners use a credit card with their offset account to keep more money in offset for longer.

But it only works if the card is paid off in full before interest applies.

Want to know which loan structure may suit you? Complete the contact form via the link in our bio.

02/06/2026

Want to pay extra on your mortgage without completely locking the money away?

A redraw facility may allow you to make extra repayments, reduce the balance interest is calculated on, and still access those funds later if needed.

It can be a useful option for borrowers who want to pay ahead while keeping a safety net.

Want to know if redraw or offset is better for your loan strategy? Complete the contact form through the link in our bio.

Buying your first property can feel overwhelming, especially in a fast-moving market.That’s why having the right guidanc...
01/06/2026

Buying your first property can feel overwhelming, especially in a fast-moving market.

That’s why having the right guidance matters.

We’re so grateful for this beautiful feedback from Chantelle Prindable, who trusted Michelle and the Elevate Financial team to support her family through their first home buying journey.

At Elevate Financial, we take the time to understand your situation, explain your options clearly, and help you move forward with confidence.

Thinking about buying your first home?

Complete the contact form through the link in our bio and let’s help you understand your next steps.

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Gold Coast, QLD

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