What are the opening hours?

Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm Saturday 9am - 1pm

Mom and Dad Finance

Home
Australia
Kellyville, NSW
Mom and Dad Finance

Call Directions Website Contact the business

We focus on Relationships and not Transactions. We Listen. We Care. We Act
Corporate Dropout

14/10/2026

Quick question: how long would it take you to save $134,841?

Thats the full 20% deposit on the average first-home property ($674,203), and in NSW, closer to $156,761.

Heres the twist most people never get told

👇20% was never actually required.

Through the 5% Deposit Scheme, eligible first home buyers can get into that same home with:
→ Around $33,000 saved
→ $0 LMI (the government guarantees the rest)
→ A timeline measured in months, not yearsSame house.

One path takes five years. The other could start this spring.The difference isnt income or luck, its knowing the smaller door exists, and being ready to walk through it.Thats exactly what we help first home buyers sort.

General information only, not personal financial advice. Deposit figures are illustrative averages, your amount depends on the propertys price and location.

(Sources: Finder, 2026; Housing Australia)

Call Us: +61 0449 609 191
Book a Free Chat: https://tinyurl.com/MomDadFinance

Best Mortgage Broker Australia | First Home Buyer Loan Australia | Home Loan Deposit Australia | Mortgage Advice Australia | Property Finance Australia

11/10/2026

One lender changed the rules. That doesn’t mean your property plans have to stop.

From 7 October, Suncorp stopped accepting new lending applications as it transitions to ANZ.

If you already applied, your application can continue, but there are important deadlines:
→ 27 October: final approval and loan documents
→ 26 December: final settlement
→ New borrowers will need to consider other lender options

The bigger takeaway? Don’t build your finance plan around one lender.
Rates, policies, eligibility and loan features can vary and they can change.

At Mom & Dad Finance, we help you compare lenders, understand your borrowing position and keep a Plan B ready before you need it.

Keep your options open. Read the full article on our website.
General information only. Not personal financial advice.

Call Us: +61 0449 609 191
Book a Free Chat: https://tinyurl.com/MomDadFinance

Suncorp home loan changes | compare home loan lenders | mortgage broker Australia | refinance home loan | first home buyer finance | borrowing power Australia | Best Mortgage Broker Australia | Refinance Home Loan Australia | Construction Loans Australia | Mortgage Advice Australia | Property Finance Australia | Australia Refinancing Home Loan Deals

05/10/2026

Using equity in your first home may help you take the next step into a second property.
But equity alone does not guarantee you can access the funds.

Lenders will usually look at:
→ Your property’s current value
→ Your existing loan balance
→ How much usable equity may be available
→ Your income, expenses, and other debts
→ Whether you can service the combined loans
→ How the new loan should be structured

A common starting point is estimating usable equity as up to 80% of your property’s current value, minus what you still owe.

But the final amount depends on the lender’s valuation, policy and serviceability assessment.

At Mom & Dad Finance, we help homeowners understand their equity position, borrowing capacity, and lender options before making their next property move.

General information only. Not personal financial or tax advice. Eligibility, lending criteria, and conditions apply.

Read the full blog on our website.
---
Call Us: +61 0449 609 191
Click the link in bio

Best Mortgage Broker Australia | Mortgage Broker Australia | Finance Broker Australia | Home Equity Australia | Home Loan Broker Australia | Home Loan Serviceability Australia | Mortgage Advice Australia | Property Finance Australia | Refinance Home Loan Australia | self-employed mortgage broker | home loan serviceability Australia | borrowing capacity Australia

01/10/2026

If you're self-employed, there are two versions of you and only one shows up on a loan application. Paper You: the tax return, shrunk by every deduction your accountant claimed.

Smaller number, less tax. Real You: the business owner with genuine cash flow and real earning power.

The catch? Lenders start with Paper You.
That's the gap most self-employed Australians hit.

But your tax return isn't the full story, and the right lender knows it:
➜Add-backs (depreciation, one-off costs, extra super, refinanced interest) can lift your assessable income.
➜All four major banks now accept just one year of financials the old quot;two years or nothing quot; rule is gone.
➜Alt-doc options can prove income another way The same financials can produce very different borrowing power depending on the lender.

Thats where a broker earns their keep. The Real You is more borrow-ready than the paper one.

Well help you prove it. General information only, not personal financial advice.

(Sources: SMG Group, August 2026; Aurelius Capital, August 2026)
-----
Call Us: 61 0449609191
Click the link in bio

Mortgage Broker Australia | Self Employed Home Loans Australia | Home Loans for Business Owners | Mortgage Advice Australia | Property Finance Australia

15/09/2026

Most people think they need a 20% deposit before they can buy.For a lot of first home buyers, that belief costs them years.

But the deposit isn't the whole story.

The Australian Government 5% Deposit Scheme lets eligible buyers in with just 5% and no LMI (single parents, just 2%).

Grants and state schemes can lower your upfront costs further. And not every lender wants 20%, policies vary, and the right one can change what's possible for you.

Your application matters just as much. Steady income, clean credit and low debts can make you a strong candidate, even with less saved.

Whether you're just starting to save or closer than you realise, understanding your options is often more useful than waiting until you've hit some "magic number."

At Mom & Dad Finance, we help first home buyers compare lenders, map the schemes they qualify for, and build a plan that gets them in sooner.

General information only. This is not financial or credit advice.

Call Us: 61 0449609191
Click the link in bio

Best Mortgage Broker Australia | First Home Buyer Loan Australia | First Home Guarantee Australia | Low Deposit Home Loans Australia | Mortgage Advice Australia | Property Finance Australia

13/09/2026

Ganpati Bappa Morya!
Ganesh Chaturthi is the festival of new beginnings and the removal of obstacles standing in the way of them

At Mom and Dad Finance, that's the work we're proud to do every day: helping families clear the hurdles between them and the keys to their own home

This year, may Bappa bless your journey with clarity, courage, and new doors opening.

From our family to yours,
Happy Ganesh Chaturthi

06/09/2026

Quick question: when did your lender last cut YOUR rate?
If the answer's "never," you're not imagining it.

Right now 43 lenders sit under 6%, the sharpest at 5.69%, but here's the catch almost nobody mentions: those cuts are for new customers. Stay loyal, and your rate quietly sits still while newcomers get the deal. That's the loyalty tax.

The fix is simpler than you'd think:

Ask your lender to match the market
Or refinance and become the "new customer" yourself

Yes, switching means some paperwork and maybe $1,000+ in fees, but on a big loan, a sharper rate can win that back in months.

The RBA isn't handing out relief. This price war is, but only if you go and claim it.

That's exactly what we help you check.
General information only, not personal financial advice.

(Source: Canstar, 31 July 2026)

Call Us: 61 0449609191
Click the link in bio

Best Mortgage Broker Australia | Refinance Home Loan Australia | Home Loan Rates Australia | Mortgage Advice Australia | Property Finance Australia

27/08/2026

Some people help you dream bigger.
Some help you make it happen.

And sometimes, they’re the ones who have been standing beside you all along.
From your first big decision to the moments that shape your future, the right people make every journey easier.

This Raksha Bandhan, we’re celebrating the bonds that give us the confidence to take the next step, in life, and towards the place we call home.

Mom & Dad Finance wishes you and your family a very Happy Raksha Bandhan.

21/08/2026

Most borrowers think their credit file only matters when something goes wrong.

That's no longer the case.

With Comprehensive Credit Reporting (CCR), lenders can now see more than just defaults and missed payments.
They can also see:
→ Your repayment history.
→ How consistently you manage credit.
→ The types of credit accounts you hold.
→ Whether you've built a strong borrowing track record over time.

That means good financial habits may work in your favour when applying for a home loan.

Before applying, it's worth understanding what lenders can see and how your credit profile may affect your options.

At Mom & Dad Finance, we help borrowers understand their credit position and explore lending options with confidence.

General information only. This is not financial or credit advice.
Read the full blog on the Mom & Dad Finance website.
---
Call Us: 61 0449609191
Click the link in bio

Mortgage Broker Australia | Home Loan Review | Refinance Home Loan Australia | Home Loan Interest Rate Australia | Variable Home Loan Rates Australia | Best Home Loan Rate Australia | Mortgage Advice Australia | Home Loan Comparison Australia | Property Finance Australia | Australian Home Loans

11/08/2026

The RBA has kept the cash rate on hold at 4.35%.
For many borrowers, that feels like a sign to wait.

But the lending market doesn't stop when the RBA does.

Lenders continue adjusting rates, reviewing policies, and competing for quality borrowers. That means opportunities may still exist to refinance, improve your loan structure, or review your borrowing position.

Whether you're buying, investing, or already have a mortgage, understanding your options is often more important than trying to predict the next rate decision.

At Mom & Dad Finance, we help borrowers compare lenders, review existing loans, and make informed finance decisions based on their goals.

General information only. This is not financial or credit advice.

Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

Address

4 Columbia Court, Baulkham Hills NSW
Kellyville, NSW
2153

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm
Saturday	9am - 1pm

Telephone

+61449609191

Website

http://www.momanddadfinance.com.au/

Alerts

Be the first to know and let us send you an email when Mom and Dad Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Mom and Dad Finance:

Want your business to be the top-listed finance company in Kellyville?