Integrum Finance

Integrum Finance Most self employed Australians are overpaying on their mortgage. I find out how much you're getting ripped off AND fix it. Contact me today...

Avg client saves $397/month after one call with me. Want to know how much you're getting overcharged?

A quick tip for any self employed Australians thinking about refinancing 👇Before you call a broker — grab these 3 things...
27/05/2026

A quick tip for any self employed Australians thinking about refinancing 👇

Before you call a broker — grab these 3 things:

1️⃣ Your last 2 years of personal tax returns This is how lenders assess your income when you don't have payslips. The more organised you are the faster the process.

2️⃣ Your current loan statement Know your current interest rate, your remaining balance and your lender. You'd be surprised how many people don't know what rate they're actually on.

3️⃣ Your last 2 years of Notice of Assessment from the ATO
This confirms your taxable income for each year and is one of the first things lenders ask for. Having both years ready shows lenders a clear picture of your income over time.

That's it.

Three documents. One conversation.

And you'll know exactly where you stand.

If you want me to take a look — I offer a free no obligation rate check for self employed Australians.

📞 0422 236 445 — Linda, Integrum Finance

I want to introduce myself properly.I'm Linda. I've been a finance broker for 7 years and working in finance for over 20...
25/05/2026

I want to introduce myself properly.

I'm Linda. I've been a finance broker for 7 years and working in finance for over 20.

But here's something most people don't know about me.

I'm self-employed too.

So when a tradie or a small business owner sits across from me and says "Linda I just don't think the banks will take me seriously" — I get it.

Not because I've read about it.

Because I've lived it.

I know what it feels like to have inconsistent income months. I know what it feels like when the bank looks at your tax return and suddenly you're not good enough for their best rates.

It's frustrating. And honestly — it's not fair.

That's exactly why I do what I do.

7 years. 50+ five star reviews. And a genuine passion for making sure self employed Australians stop being overlooked by a system that wasn't designed for them.

If you're self-employed and you've been putting off getting help because you assumed the banks would say no — please reach out.

I promise I'll give you a straight answer.

— Linda, Integrum Finance 📞 0422 236 445

I hear this one constantly!"Linda I'd love to look at refinancing but I'm self employed — I probably won't qualify for a...
20/05/2026

I hear this one constantly!

"Linda I'd love to look at refinancing but I'm self employed — I probably won't qualify for anything better anyway."

I get it. The banks have made self employed Australians feel like second class citizens when it comes to lending.

But here's what they don't tell you:

There are lenders out there who specifically understand how self employed people earn. Lenders who don't just look at your payslip — because you don't have one — but actually understand your tax returns, your ABN and your business income.

And in most cases?

Self employed Australians qualify for rates that genuinely surprise them.

If you've been putting off looking into this because you assumed the answer would be no —

Ask anyway.

The answer might surprise you.

— Linda, Integrum Finance 📞 0422 236 445

Three things self employed Australians get wrong about home loans: #1 "My bank will give me the best rate because I've ...
11/05/2026

Three things self employed Australians get wrong about home loans:

#1 "My bank will give me the best rate because I've been with them for years."

Loyalty means nothing to a bank. They're a business. They will charge you whatever you'll accept.

#2 "I can't refinance because my income is inconsistent."

Not true. There are lenders who specifically understand how self employed people earn — and they assess your application completely differently to the big banks. Being self employed is not the barrier most people think it is.

#3 "The process is too hard and time consuming."

Refinancing feels overwhelming because banks make it feel that way. In reality — gathering a few documents and having one conversation is often all it takes to find out if you're overpaying. Most people are surprised by how straightforward it actually is.

— Linda, Integrum Finance

I am so lucky to have such amazing clients 💜 Laura and her partner recently purchased a new family home and although the...
07/11/2024

I am so lucky to have such amazing clients 💜

Laura and her partner recently purchased a new family home and although they had some issues with the seller, they finally got into their gorgeous new home recently, and I was so happy to have been able to support them throughout the process and eventually get them into their home!

The RBA has just revealed that they have left the official cash rate on hold at 4.35% at today's Melbourne Cup day sched...
05/11/2024

The RBA has just revealed that they have left the official cash rate on hold at 4.35% at today's Melbourne Cup day scheduled RBA meeting.

It has been one year since the last rate increase when the rate increased to 4.35%, remaining on hold since then, and it is anticipated that the rates will not start going down until early next year at this stage.

Despite the positive inflation figures released recently, the inflation rate is still not quite where the RBA wants it to be, hence not changing the interest rates just yet, as was widely predicted by economists.

When do you think interest rates will start to drop? ⬇️

The RBA has once again left the cash rate on hold at 4.35% for the seventh consecutive meeting in a row. The governor r...
24/09/2024

The RBA has once again left the cash rate on hold at 4.35% for the seventh consecutive meeting in a row.

The governor reinforced that their highest priority is for inflation to return to target levels within a reasonable timeframe, and most recent projections show that it will be some time yet before inflation is sustainably in the target range.

Unfortunately, the message from the board is still that it does not envisage any interest rate cuts in the near term.

Let's see what happens again at the next RBA meeting on 5th November.

For the sixth consecutive meeting, the Reserve Bank of Australia (RBA) held the cash rate steady at 4.35% today.Market c...
06/08/2024

For the sixth consecutive meeting, the Reserve Bank of Australia (RBA) held the cash rate steady at 4.35% today.

Market commentators had largely predicted this, particularly following the latest quarterly consumer price index results which showed an increase of 3.8% in the June 2024 quarter, according to the Australian Bureau of Statistics. Although this is up when compared to the 3.6% increase in the March quarter, the result aligns with the RBA's forecasts.

As always, this will continue to be monitored, and reviewed again at the next meeting in 6 weeks.

Contact me if you'd like to discuss how this impacts your situation.

📱 0422 236 445
📧 [email protected]

We are often asked this question by clients, and unfortunately the answer is not as straight-forward as you might think!...
05/07/2024

We are often asked this question by clients, and unfortunately the answer is not as straight-forward as you might think!

Quick answer? The more the better!

Long(ish) answer? As a minimum - 5% of the purchase price plus costs. That being said, there are ways to get around this requirement also, if you have a guarantor option available to you.

Contact me today to discuss your options - no matter how big or small your deposit is. We will work with you to make your home ownership dreams come true!

Congratulations Cynthia on settlement of your first home! We hope you enjoy your new home, and thank you for letting us...
01/07/2024

Congratulations Cynthia on settlement of your first home! We hope you enjoy your new home, and thank you for letting us be a part of your journey 🏡

Sold by J&J Realtors Narre Warren.

Address

Melbourne, VIC

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Integrum 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 Integrum Finance:

Shortcuts

Featured

Share

Category