Adaptive Finance - Finance Brokers

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Adaptive Finance - Finance Brokers Finance Specialist that can take care of all your Home Loan, Personal Loan, Commercial Loan and Car Finance needs.

Finance Consultant with over 20 years experience in finance industry. I aim to provide my clients with best quality service whilst working on assisting them with finding the right loan that suits there current and future needs. Did you know that I do not charge a fee for my service? Don't forget that I can come to see you at your home or business at a time convenient for you!

Next catch up will be twelve months since I re-established these mental health check-ins. They have become a great way t...
16/10/2026

Next catch up will be twelve months since I re-established these mental health check-ins. They have become a great way to connect with friends and strangers and blow off some steam and share your troubles. They are a no judgement envirnonment and across the last twelve months we have had many different attendees. With the lead up to Movember, I would like to throw the challenge out that anyone that can attend this month, you arrive clean shaven and we do our own little Movember for November with results shared at the catch up then. Would love to see as many people as possible at Kingsley on Friday 30th. Also, will upload a short AI video I have been playing to promote The Blokes' Table...

💰 Genuine savings trips up a lot of first home buyers not because they don’t have money, but because they don’t realise ...
14/10/2026

💰 Genuine savings trips up a lot of first home buyers not because they don’t have money, but because they don’t realise how lenders look at it.
In simple terms, genuine savings is a lender’s way of checking whether you’ve shown an ability to save and hold funds consistently.
They’re often looking for evidence that the deposit isn’t just money that appeared last week.
How is it checked?
Usually by reviewing:
📄 the last 3 months of bank statements
📄 savings account history
📄 evidence of where funds came from
📄 in some cases, a rental ledger Important nuance Rent can count with some lenders, but not all.
Gifted funds may still be acceptable as part of your overall contribution, but they don’t always count as genuine savings.
The same goes for recent inheritances or lump sums — they may be usable funds, but not necessarily genuine savings.
So if you’re planning to buy in the next few months, this is something to sort out early, not the week before you apply. 👀

***General information only. Genuine savings requirements vary between lenders and products.***

🏡 If you’re in WA and eligible for the Government Guarantee Scheme, this is the kind of breakdown I’d be walking you thr...
13/10/2026

🏡 If you’re in WA and eligible for the Government Guarantee Scheme, this is the kind of breakdown I’d be walking you through.
A lot of buyers hear “5% deposit” and assume that means they only need 5% of the purchase price.
Not quite.
Using an $850,000 purchase as an example:
✅ Deposit = $42,500
✅ Loan = $807,500
✅ No LMI under the scheme (if eligible)
⚠ But you still need to allow for purchase costs
Because this purchase price is above the WA's first-home-buyer duty concession range, stamp duty still applies in this example — which is why your total contribution is much higher than just the deposit.
So the real question isn’t just: “Can I buy with 5%?”
It’s: “What total cash contribution do I actually need to get this done comfortably?”
That’s the bit buyers really need clarity on. 👌

**General information only. Figures are indicative only and may vary depending on your eligibility, lender, fees and final transaction costs.**

🏡 Same income. Different lenders. Different result. One of the biggest misconceptions in home lending is that every bank...
12/10/2026

🏡 Same income. Different lenders. Different result.
One of the biggest misconceptions in home lending is that every bank will give you the same borrowing capacity.
They won’t.
Even with the same salary, the numbers can shift depending on:
✨ lender policy
✨ living expense assumptions
✨ minimum credit card repayments
✨ HECS/HELP
✨ existing commitments
✨ property type
✨ how different income types are assessed

So if you’re on $110K and asking, “What can I borrow?” the real answer is…
👉 It depends which lender is doing the maths.
That’s exactly why working with a broker can make such a difference.
It’s not just about finding a rate, it’s about finding the lender whose policy fits your situation.
Moral of the story: don’t rule yourself in or out too quickly based on one calculator.📊

**General information only. Figures are illustrative and borrowing capacity varies based on your full scenario and lender policy.**

Different lenders may assess business income differently. They might consider things like: 📊 One OR two years' financial...
09/10/2026

Different lenders may assess business income differently.
They might consider things like:
📊 One OR two years' financials/ tax returns
💰 Directors Salary/wages
📈 Business profit
➕ Add-backs
🏢 Company liabilities
📉 Changes in income year to year
Business Activity Statements
Accountants Letters
Which means two lenders can look at the same business… and calculate very different usable income.
That's where lender policy matters.
A lot.
Don't assume being self-employed means “the bank won't lend to me”.
Get your numbers properly assessed first.
Which is why plugging one number into an online borrowing calculator doesn't always give a self-employed borrower the full picture.
Sometimes the difference isn't your income. It's how the lender interprets it.
If you run a business and property is on the radar, getting your financials reviewed before you start house hunting can save a LOT of guesswork later.

An offset account is linked to your home loan. Money sitting in the offset can reduce the amount of the loan balance use...
08/10/2026

An offset account is linked to your home loan.

Money sitting in the offset can reduce the amount of the loan balance used to calculate interest.

Simple example 👇
Home loan: $600,000
Money in offset: $50,000
Interest may be calculated as though the balance were $550,000.*

So where do people go wrong?
❌ Leaving savings elsewhere
❌ Using an account that isn't actually an offset
❌ Having the offset attached to the wrong loan split
❌ Not understanding fees or conditions

A great home loan structure isn't only about the interest rate. How you use the loan matters too.

💰 An offset account can be a very handy little mortgage tool — provided it's set up and being used properly. At a basic level, money sitting in an eligible offset account can reduce the portion of your linked home loan on which interest is calculated.
So rather than leaving your everyday savings sitting somewhere earning a small amount of interest, some borrowers prefer to keep those funds working against their mortgage instead.
But here's where it gets interesting.
Not every loan has an offset. Some have one. Some offer several. Fees can differ.
And if you have multiple loan splits, you want to understand which loan that offset is actually linked to.
The rate gets most of the attention. But a good mortgage strategy is often hiding in the structure. 👀

***Example for illustration only. Product features and conditions vary by lender.***

Love that for them. 🙌 But that doesn't automatically make it the right lender for you. Two borrowers earning exactly the...
07/10/2026

Love that for them.
🙌 But that doesn't automatically make it the right lender for you.
Two borrowers earning exactly the same income can get very different lending outcomes.

Why?
Lenders can treat things differently, including:
💼 Employment type
🏢 Self-employed income
👶 Parental leave
💳 Existing debts
🏠 Rental income
💰 Bonuses & overtime
📊 Living expenses
👨‍👩‍👧 Dependants
🏡 Property type

And that's before we even look at:
✓ Rates
✓ Fees
✓ Offset accounts
✓ Loan features
✓ Credit policy
✓ Turnaround times

There isn't one “best bank”.

There is the lender whose policy, pricing and product best fits your circumstances.

🏦 Mortgage broking would be very easy if there was one bank that was best for everyone.
Spoiler alert: there isn't. 😂
Different lenders have different appetites.
One may be brilliant for a self-employed borrower.
Another may handle overtime or bonus income more favourably.
Another may work better for someone with a smaller deposit.
Another could suit an investor or someone needing multiple offset accounts.
That's why hearing that your sister, neighbour or workmate got an amazing home loan doesn't necessarily tell us much about the right solution for you.
Your income.
Your commitments.
Your property.
Your plans.
That's what should drive the lender conversation.
Not whichever bank currently has the loudest ad.

06/10/2026

🏡 If buying a home is on the horizon, your financial decisions in the months beforehand can matter.
That doesn't mean putting your entire life on hold until settlement.
Please still enjoy yourself. 😂
But if you're about to:
🚗 finance a car
💳 open another credit card
👩‍💻 change jobs
💰 move large amounts of money around
📈 increase an existing loan
…it is worth checking what impact it could have on your home loan plans before you do it.

One of the biggest benefits of speaking with a broker early is having someone help you work backwards from the goal.
You don't need to have found a property. You don't even need to be 100% ready.
Sometimes the most valuable conversation happens months before you ever make an offer.
Property hunting is much more fun when you already know your numbers. 🔑

🏡 If buying a home is on the horizon, your financial decisions in the months beforehand can matter. That doesn't mean pu...
06/10/2026

🏡 If buying a home is on the horizon, your financial decisions in the months beforehand can matter.
That doesn't mean putting your entire life on hold until settlement.
Please still enjoy yourself. 😂
But if you're about to:
🚗 finance a car
💳 open another credit card
👩‍💻 change jobs
💰 move large amounts of money around
📈 increase an existing loan
…it is worth checking what impact it could have on your home loan plans before you do it.
One of the biggest benefits of speaking with a broker early is having someone help you work backwards from the goal.
You don't need to have found a property.
You don't even need to be 100% ready.
Sometimes the most valuable conversation happens months before you ever make an offer.
Property hunting is much more fun when you already know your numbers. 🔑

05/10/2026

📆 Your home loan shouldn't be “set and forget”. The loan that suited you two years ago… may not be the loan that suits you today.
A regular home loan review can tell you whether your existing loan is still doing its job.
And here's the important bit: A review doesn't automatically mean refinancing.
Sometimes staying exactly where you are makes sense. Sometimes we can negotiate with your existing lender.
And sometimes another lender offers a structure that's much better suited to where life has taken you.
The point is simply to check.
Your mortgage is probably one of your biggest household expenses.
It deserves a little attention too.

Address

Kingsley, WA
6026

Telephone

+61488019773

Website

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