Southstead Finance

Southstead Finance Southstead Finance provides personal lending advice and solutions for home buyers and investors who Terms and conditions apply.

Southstead Pty Ltd (ABN 49 643 282 562) is a Credit Representative (CR No. 525543) of Connective Credit Services Pty Ltd (Australian Credit Licence 389328). Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

🏡 Have we reached the peak in property prices? WA buyers, read this 👇There’s a lot of noise right now about property pri...
23/05/2026

🏡 Have we reached the peak in property prices? WA buyers, read this 👇

There’s a lot of noise right now about property prices hitting their peak — but the reality is, it’s not that simple.

📖 I came across this article and it highlights something important:
👉 Markets don’t just suddenly “top out” — they shift, slow, and vary depending on location.

✅ What we’re seeing:
• Growth easing in some markets
• Interest rates have already done much of the heavy lifting
• Buyer demand still holding strong

💡 Here’s the key for WA home buyers…
WA isn’t moving at the same pace as the eastern states. Locally we’re still seeing:

🏗 Strong population growth
📉 Tight rental supply
💼 Solid employment conditions
👉 All of this continues to support property prices here in WA.
So what should you do?

Waiting for a big drop might not be the best strategy.
✔ Focus on what you can afford
✔ Get your lending sorted early
✔ Buy based on your long-term plans — not headlines
📊 Trying to time the market = risky
📈 Having a smart strategy = powerful

🔗 Worth a read: https://financefocus.connective.com.au/have-we-reached-the-peak-in-property-prices/

📅 Book a quick, no‑obligation home loan review and let’s make sure you’re ready to go.
📩 DM me or reach out directly:
☎️ 0408 238 981
💻 [email protected]

🔍 Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

09/05/2026

What awesome sunshine this is! Fantastic day for gardening and disturbing the neighborhood with tunes. Have a superb weekend too, everyone! 🌞💛🎶😊👍

🎓 Proud milestone achieved 🎓Yesterday I had the honour of being presented with my Mortgage Finance Professional Australi...
29/04/2026

🎓 Proud milestone achieved 🎓

Yesterday I had the honour of being presented with my Mortgage Finance Professional Australia (MFPA) certification by Natalie Price from the MFAA.

This certification means a great deal to me. The MFPA represents a commitment to higher professional standards, ongoing education, and genuinely putting clients first. It recognises experience, capability, and the work that happens behind the scenes to continually grow, learn, and do better, not just for business, but for the people who trust me with some of the biggest financial decisions of their lives.

I’m proud of the journey it’s taken to get here and grateful for the support along the way. This is another step forward in continuing to provide informed, ethical and professional advice to my clients and community.

Thank you to the MFAA and Natalie Price for the presentation and recognition.

For anyone interested in what the MFPA stands for:
👉 https://www.mfaa.com.au/mfpa

Offset or Redraw? 🤔 Things to consider as rates riseWith interest rates continuing to climb, many Aussie homeowners are ...
27/04/2026

Offset or Redraw? 🤔 Things to consider as rates rise

With interest rates continuing to climb, many Aussie homeowners are reviewing their loan structure to help manage repayments.
Two common features worth understanding are offset accounts and redraw facilities. When used correctly, both can help reduce the interest you pay over the life of your loan – but they work very differently.

🔹 Offset accounts
Your savings sit in a linked account and “offset” your loan balance when interest is calculated.
✅ Can reduce interest
✅ Flexible access to your money
✅ Can be tax‑effective (depending on your circumstances)
✅ Often preferred for investment properties
⚠️ May come with package fees or slightly higher rates and are usually linked to variable loans.

🔹 Redraw facilities
Extra repayments reduce your loan balance, lowering interest. You can redraw funds later if needed.
✅ Helps pay your loan off sooner
✅ Less temptation to dip into savings
✅ May allow repayment flexibility
⚠️ Access can be restricted and, for investors, redraws used for personal spending may impact tax deductibility.

📊 Why this matters now
In 2025, more than 640,000 Australians refinanced, a 20% increase on the previous year. With ongoing rate changes, many borrowers are reassessing their loans to find better rates or smarter interest‑saving features.

📅 Book a quick, no‑obligation home loan review and let’s make sure you’re ready to go.
📩 DM me or reach out directly:
☎️ 0408 238 981
💻 [email protected]

🔍 Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

🏡 HOME OPEN BINGO — WA EDITIONIf you’ve been to inspections lately, you’ll recognise at least 3 of these 😂⬜️ “Offers by ...
23/04/2026

🏡 HOME OPEN BINGO — WA EDITION

If you’ve been to inspections lately, you’ll recognise at least 3 of these 😂

⬜️ “Offers by Monday”
⬜️ 27 groups through in 10 minutes
⬜️ Agent says: “It’ll go quick” (it does)
⬜️ Someone measuring the lounge room with their arms
⬜️ “Is that mould… or ‘character’?”
⬜️ You check phone signal (for banking app + calculator)
⬜️ “We’ll just see what it goes for…” (famous last words)
⬜️ The one house that looks nothing like the photos
⬜️ Couple whisper‑fighting in the driveway
⬜️ Someone says: “We can stretch a bit” 😬

The part people don’t see:

Some WA deals fall over not just because of the rate, but because of policy + timeline.

✅ Quick tips before you offer:

Get preapproval!
Know which lenders fit your income type (PAYG / self‑employed / overtime / allowances)
Build a valuation buffer (so you’re not scrambling)
Have a Plan B lender ready if needed
Check in with a buyers agent

📅 Book a quick, no‑obligation home loan review and let’s make sure your ready to go!

📩 DM me or reach out directly:
☎️ 0408 238 981
💻 [email protected]
📅 https://calendly.com/southstead

🔍 Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

Perth home loan update – important for WA buyers & refinancers 👀Recent WA property data continues to show Perth leading ...
16/04/2026

Perth home loan update – important for WA buyers & refinancers 👀

Recent WA property data continues to show Perth leading the country for price growth and buyer demand, while lending rules and bank pricing are quietly shifting behind the scenes.

What this means for home loan customers in Western Australia:

✅ Borrowing power is being tested as banks reassess serviceability
✅ Some lenders have tightened policies, others are offering sharper pricing to stay competitive
✅ Equity positions are changing fast for Perth homeowners – many don’t realise what options this opens up
✅ First home buyers are facing more competition, making loan structure and pre‑approval more important than ever

We’re seeing clients surprised by:
👉 How much (or little) they can actually borrow today
👉 Whether refinancing still makes sense in this market
👉 Missed opportunities to reduce repayments or access equity sooner

If you’re planning to buy, refinance, or just want a clear strategy for the next 6–12 months, now is the time to review your home loan before the market moves again.

📅 Book a quick, no‑obligation home loan review and let’s make sure your finance is working as hard as your property is.

📩 DM me or reach out directly:
☎️ 0408 238 981
💻 [email protected]
📅 https://calendly.com/southstead

🔍 Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

⭐️⭐️⭐️⭐️⭐️ 5‑Star Google Review ⭐️⭐️⭐️⭐️⭐️So grateful for this amazing feedback from Rob 🙏Helping clients make their hom...
01/04/2026

⭐️⭐️⭐️⭐️⭐️ 5‑Star Google Review ⭐️⭐️⭐️⭐️⭐️

So grateful for this amazing feedback from Rob 🙏

Helping clients make their home loan and refinance journey feel easy and stress‑free is exactly why I love what I do.

Thank you for the trust and kind words, turning big goals into reality is always the goal 💚

🏡✨

🏡 Rates up? Your home loan might need a refresh.Refinancing could help you pay less, unlock equity, or get better loan f...
26/03/2026

🏡 Rates up? Your home loan might need a refresh.

Refinancing could help you pay less, unlock equity, or get better loan features, but only if it’s done right.

Let’s see if your loan is still working for you 👇

📩 DM me or reach out directly:
☎️ 0408 238 981
💻 [email protected]
📅 https://calendly.com/southstead

🔍 Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

Fuel is up, groceries are up… and for many households, repayments have crept up too. ⛽📈🏠If you haven’t reviewed your hom...
18/03/2026

Fuel is up, groceries are up… and for many households, repayments have crept up too. ⛽📈🏠

If you haven’t reviewed your home loan in the last 6–12 months, it could be worth a quick check to see whether:

• your rate is still competitive
• you qualify for a discount with your current lender
• an offset / restructure could improve cashflow
• refinancing actually makes sense (not always!)

A home loan review is a simple way to make sure your loan still fits your situation — especially when the cost of living is biting.

📩 DM me or reach out directly:
☎️ 0408 238 981
💻 [email protected]
📅 https://calendly.com/southstead

🔍 Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

💗 Valentine’s Day is just around the corner… 🌸With the big day coming up this Saturday, I wanted to share a little early...
12/02/2026

💗 Valentine’s Day is just around the corner… 🌸

With the big day coming up this Saturday, I wanted to share a little early love and appreciation for all my wonderful clients and community.

Your support and trust truly mean the world to me. I hope you get the chance to spoil your loved one this weekend and make it a special one, whether it’s a thoughtful surprise, a lovely day out, or simply some quality time together.

✨ Take the time to slow down and show appreciation for them. It’s all about the little things, a kind word, a coffee in bed together, or a shared laugh.

Wishing you a weekend filled with love, joy, and all the moments that matter. 💕

With love,
Amy at Southstead Finance ###x ✨

Address

WOTSO, 22 Ormsby Terrace
Mandurah, WA
6210

Opening Hours

Monday 9:30am - 7pm
Tuesday 9:30am - 7pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 7pm
Friday 9:30am - 5pm
Saturday 10:30am - 5pm

Telephone

+61408238981

Website

https://calendly.com/southstead

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