Cara Julian - Mortgage Broker

Cara Julian - Mortgage Broker Mortgage broker | Director - Brava Finance
📚 Author | 🏆 Finalist | 🥂 Lover
Mum of 👧 - Melbourne

13/05/2026

One tax that you can potentially control is lender loyalty tax.

Thats the tax you will end up most likely paying if you stay loyal to a bank. And don’t do anything about your rate.

Take control of this tax! Comment NO TAX below and we can do a quick loan review to see where your rate sits compared to new customer rates. Will take about 3 mins!!

Be Brave | Show Up | Have Fun!

☎️ 0438 790 608
📧 [email protected]
🔗 Or book a chat in the link in my bio.

Credit Representative 540557 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

🧡 Businesses of Bayside 🧡Celebrating the local legends who make our community thrive! Today we’re featuring Nikki from ...
11/05/2026

🧡 Businesses of Bayside 🧡

Celebrating the local legends who make our community thrive! Today we’re featuring Nikki from — offering Chinese Medicine, Acupuncture & Remedial Massage.

❓How long have you been in the industry?
Over 15 years in health and wellness. I started as a remedial massage therapist before moving into acupuncture and Chinese medicine.

❓What inspired you to move into Chinese Medicine?
After going through a difficult IVF journey myself, I discovered Chinese medicine and completely fell in love with it. I was amazed by how holistic and supportive it could be, which inspired me to study further and become a Doctor of Chinese Medicine.

❓What’s the magic that sets your clinic apart?
I’ve created a calm, peaceful sanctuary where people can walk in, close the door, and let the world melt away for a moment. I combine acupuncture, remedial massage, cupping and herbal medicine to create treatments tailored to the individual. I really hold space for people who are struggling or overwhelmed.

❓What types of conditions do you commonly support?
Everything from peri-menopause, anxiety and digestive issues through to women’s health and teenage wellbeing. I’m passionate about helping women slow down and look after themselves more — we juggle a lot.

❓What do you love about Chinese Medicine?
I love helping demystify it for people. Acupuncture and herbal medicine can support such a wide range of conditions, and because I’m AHPRA registered, clients know they’re receiving high-quality, professional care.

❓Local Bayside shout outs?
Best chai:
Best lamb salad:
Best gifts:

If you know a Bayside business with a great story, tag them below - I’d love the feature them ⬇️

Bought to you by - where smarter property purchases and refinances start.

☎️ 0438 790 608
📧 [email protected]

08/05/2026

Keep watching to see who the next Business of Bayside feature will be!

Hint:
Bringing centuries of wisdom into everyday life - a much needed calming presence in a busy world.

Sounds like something we all need right!!

It was a cold and wet day here in Melbourne but it was like stepping into a beautiful sanctuary when I visited this business yesterday 🙌🏼

I am proud to support local business owners through Businesses of Bayside and through helping locals with home loans, refinance & lending strategy.

If you know a Bayside business with a great story, tag them below—I’d love to feature them! ⬇️

☎️ 0438 790 608
📧 [email protected]

🧡 Businesses of Bayside 🧡Celebrating the local legends who make our community thrive! Today, we’re featuring Sarah & Dea...
04/05/2026

🧡 Businesses of Bayside 🧡

Celebrating the local legends who make our community thrive! Today, we’re featuring Sarah & Dean from .buildinginspections Here’s their story…

Q: Tell us about your business?
A: We’re a family-run building inspection business helping people avoid expensive property mistakes across Melbourne and the Mornington Peninsula. Pre-purchase inspections, pest inspections, new build stage checks, fast reports — the lot.

Q: How did this all start?
A: Dean has been a carpenter for 20 years. Sarah brings a load of digital marketing and business experience. After years of Dean being ‘on the tools’, they knew it was time for a smarter next chapter.

Q: What’s your point of difference?
A: Dean is an actual carpenter … not everyone doing inspections has proper hands-on building experience!! This can make a big difference when you’re about to spend serious money!

Q: What’s the secret sauce?
A: Husband and wife energy. Sarah runs the client side, Dean handles inspections, and together they care from first phone call to final report and beyond. No handballing.

Q: Why should buyers care about inspections?
A: Because buying a home is one of the biggest financial moves of your life. Yet inspections are often treated like an afterthought. They can uncover hidden issues and may even help with negotiations.

Q: Best story from the job?
A: Someone skipped the proper pest and building inspection… then the piano went through the floor. Yes, really. Major wood borer damage throughout the property.

Q: Why do people keep coming back?
A: Because they treat every inspection like their own family is buying the home. That kind of care is rare.

Q: Any local love?
A: Shoutout to and

If you know a Bayside business with a great story, tag them below—I’d love to feature them! ⬇️

Brought to you by — where smarter property purchases and refinances start.

There's a reason 76.7% of home loans in Australia are written by mortgage brokers. (Source: MFAA Industry Intelligence S...
24/04/2026

There's a reason 76.7% of home loans in Australia are written by mortgage brokers. (Source: MFAA Industry Intelligence Service.)

It's not because banks aren't accessible. It's because having someone in your corner who works for you, not the bank, makes a real difference.

When you go directly to a bank, you're seeing one set of options - that you need to make work for your … whether they do or not. When you work with a broker, you're getting access to a much wider panel of lenders and someone who can match your situation to the right lender & product.

For women especially, that advocacy matters. Walking into a bank conversation alone, and feeling like you need to prove yourself is a very different experience to having someone who already understands your numbers and knows how to present your case.

If you've been wondering whether a broker is the right move for you, this one's worth a read.

📩 Book a call via the link in bio.

Credit Representative 540557 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

This one is personal. 💛For a long time, women have been told that financial security is something that happens to you, t...
21/04/2026

This one is personal. 💛

For a long time, women have been told that financial security is something that happens to you, through a relationship, through luck, through someone else making the right moves.

It's not.

It's something you build.

Deliberately. On your own terms.

You don't need to have it all figured out to start. You just need to take the first step.

📩 Book a call via the link in bio when you're ready.

Credit Representative 540557 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

This is exactly why I do what I do. 💛Buying your first home comes with a lot of questions, and every single one of them ...
20/04/2026

This is exactly why I do what I do. 💛

Buying your first home comes with a lot of questions, and every single one of them matters. There's no such thing as a silly question when you're making one of the biggest financial decisions of your life.

Congratulations Emily, so glad the process felt supported from start to finish.

If you're a first home buyer and not sure where to start or who to trust, I'd love to help.

📩 DM or book via the link in bio.

Credit Representative 540557 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

18/04/2026

I see a lot of first home buyers go out into the market without a pre approval, falling in love with a home, then finding out they can’t afford it.

The key is to understand your budget first - a pre approval allows you to do this.

Don’t be disappointed by searching in a price range you can’t afford!

Also another tip is to remember that as a , your first home is most likely not going to be your forever / dream home!

Comment FIRST below and I’ll send you a copy of my First Home Buyers Guide.

Or call me on 0438 790 608 so we can take a look at your numbers.

Be Brave | Show Up | Have Fun!

☎️ 0438 790 608
📧 [email protected]
🔗 Or book a chat in the link in my bio.

Credit Representative 540557 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

Your bank isn't your life partner. So why are so many of us acting like we're locked in?"Why You Should Date Your Bank, ...
17/04/2026

Your bank isn't your life partner. So why are so many of us acting like we're locked in?

"Why You Should Date Your Bank, Not Marry Them" is my guide to understanding the mortgage world and building real financial confidence, written in plain language, with me holding a glass of bubbles on the cover, where it belongs. 🥂

Whether you're just starting out or wondering if you could be doing more with your current loan, this book was written for you.

Available as a free download or order your physical copy via the link in bio.

Credit Representative 540557 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

Ever wondered why the amount a lender will approve looks lower than you expected? One of the reasons may be the 3% servi...
15/04/2026

Ever wondered why the amount a lender will approve looks lower than you expected? One of the reasons may be the 3% serviceability buffer.

It's not a punishment. It's a safeguard. But it does affect your borrowing capacity in a real and practical way, and it's worth understanding how.

The good news is that once you know how it works, you can plan around it properly.

If you want to understand what your numbers actually look like under current lending conditions, that's exactly what we work through together.

📩 Book a call via the link in bio.

Credit Representative 540557 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

Address

Sandringham
Melbourne, VIC
3191

Telephone

+61438790608

Website

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