STE Financial

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STE Financial Simplify accounting, Transform performance, Empower owners We understand that managing finances can be complex, time-consuming, and overwhelming.

At STE Financial, we are dedicated to simplifying, transforming, and empowering your bookkeeping processes. That's why our expert team is here to provide you with streamlined solutions that enable you to focus on what you do best: running your business. Simplify:

We put efficient systems in place to streamline your financial management, minimizing the time and effort required on your part. With our expertise, you can experience a simplified bookkeeping experience that allows you to focus on what you do best – running your business. Transform:

We are dedicated to transforming your business's performance and profitability. Our team of experts work closely with you to analyze your financial data, identify areas for improvement, and implement strategies to enhance your business's overall performance. Through our transformative approach, we help you achieve sustainable growth and unlock your business's full potential. Empower:

At STE Financial, we empower business owners by utilizing real-time reporting and data-driven insights. We provide you with the tools and knowledge to make informed decisions that align with your business goals. Our team suggests steps to improve key performance indicators (KPIs) specific to your business, enabling you to measure progress, identify opportunities, and drive success. With our bespoke solutions, you gain greater control over your financial outcomes and confidently steer your business towards success.

30/09/2026

🩺 3 signs your home loan needs a check up

When did you last actually look at your loan?

It might be due if any of these sound familiar 👇

1️⃣ You have not reviewed it in two years or more.
A lot changes in two years. Rates, lenders, property values and your own position.

2️⃣ Your lender has moved your rate a few times and you are not sure what you are paying any more.
You are definitely not alone.

3️⃣ Your financial position has improved since you borrowed.
More income, more equity, less other debt. That could mean more options are open to you now.

🏦 A health check does not automatically mean refinancing.

Our first step is to go back to your existing lender and see what they will do. If that is not competitive, we compare the alternatives and work out whether moving is genuinely worth it.

📩 Want to know how healthy your loan is? Send us a message.

🏦 RBA decision dayThe RBA hands down its call today.So, which way will it go? 👀📈 Rise⏸️ Hold📉 CutWhat is your prediction...
28/09/2026

🏦 RBA decision day

The RBA hands down its call today.

So, which way will it go? 👀

📈 Rise
⏸️ Hold
📉 Cut

What is your prediction?

👇 Drop it in the comments.

Follow up post for the afternoon: reuse the same image with the announced cash rate dropped into the mint panel.

25/09/2026

🎉 Fun fact Friday

Time for something a bit less serious.

Did you know... Mark used to be a chef? He even won a national cooking competition back in the day.

Now your turn.

Tell us one random fact about you in the comments 👇

💼 Complicated income? We have got you.Contract work. Overtime. Side hustles. Trusts. Business income.Honestly, is there ...
23/09/2026

💼 Complicated income? We have got you.

Contract work. Overtime. Side hustles. Trusts. Business income.

Honestly, is there even such a thing as standard income any more? 🤔

The good news is there are lenders who understand that income does not always arrive as one neat PAYG salary.

Think:

💼 Contract, casual or temporary work
💰 Allowances and overtime
✈️ FIFO income
🏡 Airbnb income
🚗 Rideshare and side hustles
👩‍💻 Self employed sole traders
🏢 Trusts and company structures
📈 Dividends and business profits

And the list goes on.

✨ This is where a good broker earns their keep. We pull your income apart, work out how each lender will assess it, and match you with the ones whose policies actually suit.

Because the question is rarely whether you earn enough. It is which lender understands how you earn it.

Helps that we prepare the financials too, so we already know your numbers inside out.

💬 Complicated income and not sure where you fit? Send us a message.

💡 Thinking about an investment property? Your equity might already be the deposit.If you own a home, some of the equity ...
22/09/2026

💡 Thinking about an investment property? Your equity might already be the deposit.

If you own a home, some of the equity you have built could help fund your next purchase. 🏡

A simple example 👇

🔑 Current home value: $800,000
🔑 Current loan: $400,000
🔑 80% of the property value: $640,000

👉 Potential usable equity: $640,000 less $400,000 = $240,000

That equity could go towards the deposit and purchase costs on an investment property. 🚀

Of course, equity is only one piece of it.

✨ We also need to look at:

1️⃣ Your borrowing capacity
2️⃣ Your loan structure
3️⃣ Cash flow
4️⃣ Your investment goals
5️⃣ The property you have in mind

And because we do the tax work too, we can talk through ownership structure and cash flow at the same time.

💬 Want to know how much equity you could access? Message us and we will run the numbers.

🔥 Just want a better rate on your home loan?You may not need to refinance to get one.Our first move is always to go back...
21/09/2026

🔥 Just want a better rate on your home loan?

You may not need to refinance to get one.

Our first move is always to go back to your current lender and push for a better rate.

If what they come back with is not good enough, then we shop around and compare the rest of the market.

And we do the maths. 🧮

That means looking at:

💰 The interest you would actually save
💳 Changeover costs and fees
📋 What the application involves
🏦 The features and structure of the new loan

Because refinancing should leave you better off, not just give you a shinier advertised rate.

✨ Sometimes the best refinance is the one you never have to do.

📩 Want to know whether your rate is still competitive? Send us a message.

✨ Monday mood"Don't count the Mondays. Make the Mondays count." 💪☕New week. Fresh start. Big goals.Let's go. 🚀
20/09/2026

✨ Monday mood

"Don't count the Mondays. Make the Mondays count." 💪☕

New week. Fresh start. Big goals.

Let's go. 🚀

🏡 Loan jargon you actually need to knowBuying property is confusing enough without an alphabet soup of acronyms.Here are...
17/09/2026

🏡 Loan jargon you actually need to know

Buying property is confusing enough without an alphabet soup of acronyms.

Here are the three you will hear constantly 👇

🔹 LVR, or loan to value ratio
How much you are borrowing compared with what the property is worth.
👉 Loan amount ÷ property value × 100
Example: $480,000 loan ÷ $600,000 property = 80% LVR

🔹 DTI, or debt to income ratio
How your total debt compares with your annual income.
👉 Example: income $100,000, total debt $600,000, so DTI = 6.
Every lender sets its own limits and assessment rules for higher DTIs.

🔹 LMI, or lenders mortgage insurance
Usually applies when you borrow more than 80% of the property value. And here is the bit that surprises people: it protects the lender, not you.
👉 Example: on a $600,000 purchase with a 10% deposit, LMI could cost around $12,000 to $15,000.

✨ Still confused? That is what we are here for. We will skip the bank speak and tell you what the numbers actually mean for you.

💬 Message us and let's talk through your borrowing options.

Address

22/11-13 Pearl Street
Kingscliff, NSW
2487

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+61266721501

Website

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