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

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.

31/05/2026

Your savings could be reducing your mortgage interest every single day.

A 100% offset account lets your salary, savings and everyday money work against your home loan balance until you spend it.

This is why your loan structure matters, not just your rate.

Want to know if an offset could suit you? Complete the contact form through the link in our bio.

31/05/2026

Small extra repayments may not feel like much now, but over the life of a loan, they can make a serious difference.

Even an extra $100 or $200 a month could help reduce interest and shorten the loan term, depending on your loan structure, rate, and personal circumstances.

Want to know what repayment strategy could work for your home loan?

Complete the contact form through the link in our bio.

30/05/2026

What if you didn't have to choose between living where you love and getting into the property market? 🏡

Rentvesting lets you do both.

Buy an investment property where you can afford it. Rent where you want to live. Build equity while your tenant helps cover the repayments.

It's not for everyone — but for a lot of renters, it's a path they didn't know was open to them.

Comment RENTVEST below and I'll send you a free breakdown of how it works and whether it suits your situation. 👇

30/05/2026

Saving for a deposit isn't just about earning more — it's about being more intentional with what's already coming in. 💡

Here's a simple strategy worth applying over the next 6 months:

→ Find one recurring cost you're paying on autopilot and redirect it into a high-interest savings account — weekly, not monthly
→ Treat every windfall as a deposit contribution, not spending money
→ $200 a week plus a $2,000 tax return = roughly $12,000 in 6 months
And the step most first-home buyers skip? Finding out their actual borrowing position and deposit target before they've finished saving.

Knowing your number early changes how you save — and how fast you move.
📩 Complete the contact form in our bio. We'll help you understand where you stand and what steps may help you get there sooner.

29/05/2026

A bank knockback isn't the end of the road. 🚪

Most people don't realise that different lenders have very different lending policies — and what one bank says no to, another may say yes to.

DM me APPROVAL and let's look at your situation together. Free, no obligation.

29/05/2026

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.

28/05/2026

Most first-home buyers are waiting longer than they need to. 🏡

The 20% deposit rule is a myth for many buyers — here's what you actually need to know.

Comment DEPOSIT below and I'll send you a free breakdown of your options.

28/05/2026

One simple repayment strategy many homeowners overlook:

Paying half your monthly repayment fortnightly can mean you make the equivalent of one extra monthly repayment each year.

Over time, this may help reduce interest and shorten your loan term, depending on your loan type and lender policy.

Want to review your home loan strategy? Complete the contact form via the link in our bio.

Address

Gold Coast, QLD

Website

https://calendly.com/michelle-southern, https://elevate-financial.com.au/

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