Axcent Finance - Padmini Shanmugam

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Axcent Finance - Padmini Shanmugam Our goal is to help you get the most out of your home loan

Axcent Finance has partnered with Australia's top lenders including major, 2nd tier and 3rd tier lenders and private lenders to help you achieve financial freedom! Padmini Shanmugam (520057) is a credit representative of

Buyers Choice Licencing Pty Ltd Australian Credit Licence 509484

🪔✨ A Wonderful Evening Celebrating Diwali! ✨🪔Had a fantastic time attending Diwali Divas & Dudes 2026, hosted by the ama...
05/10/2026

🪔✨ A Wonderful Evening Celebrating Diwali! ✨🪔

Had a fantastic time attending Diwali Divas & Dudes 2026, hosted by the amazing Therese O'Neill and Mani Manisha for Women Supporting Women this weekend. 💃🕺

Therese O'Neill Mani Manisha Anthony Wick Rebecca Wu R**t Gill Harvinder (Siya) Jain Kiran Sood

It was such a vibrant evening filled with beautiful colours, great music, dancing, laughter and wonderful people. I really enjoyed connecting with familiar faces, meeting new people and celebrating the spirit of Diwali together. ❤️

A big thank you to Therese and the Women Supporting Women team for bringing everyone together and creating such a warm and memorable celebration.

Diwali is all about light, positivity, new beginnings and togetherness — and this evening certainly captured that spirit. 🪔✨

Wishing everyone a season filled with happiness, prosperity and plenty of light!

📢 RBA RATE INCREASEThe RBA has increased the cash rate by 0.25%, from 4.35% to 4.60%, putting more pressure on Australia...
29/09/2026

📢 RBA RATE INCREASE

The RBA has increased the cash rate by 0.25%, from 4.35% to 4.60%, putting more pressure on Australian mortgage holders. 📈🏡

Not sure what the rate increase means for you?🤔
Let's review your mortgage and book a FREE Loan Review with us.

We can help you:
✓ Review your current interest rate and repayments
✓ Negotiate a better rate with your existing lender
✓ Compare refinancing options with other lenders
✓ Review your loan structure — variable, fixed, split or offset
✓ Explore debt consolidation opportunities where appropriate
✓ Check whether there are ways to reduce your repayments

📩 Before accepting a higher repayment, let’s see if your home loan can work harder for you. Book your FREE loan review today.
📞 0422 735 290

21/09/2026

Your home loan settled 2+ years ago… and you haven’t looked at it since.

Your life may have changed.
Interest rates may have changed.
And your lender’s offers may have changed too.

But has your home loan kept up? 🤔

A simple loan review could help you check whether your rate, repayments and loan structure are still working for you.

💡 Don’t let your home loan run on autopilot.

📩 DM “REVIEW” and let’s give your loan a quick health check.
📞 0422 735 290

Effort creates change. Consistent effort creates lasting change. ✨Big results rarely happen overnight. Keep showing up, ...
18/09/2026

Effort creates change. Consistent effort creates lasting change. ✨

Big results rarely happen overnight. Keep showing up, keep moving forward, and trust the process. 💪

16/09/2026

“I probably won’t qualify for a mortgage…”

We hear this more often than you might think.

But lenders don’t look at just your income or deposit. They consider your whole financial picture — and different lenders can assess the same situation differently.

Before you assume the answer is NO, have the conversation.

📩 Message us for a chat about your options.
📞 0422 735 290

Feeling stretched by too many repayments?If you’re juggling credit cards, personal loans or other high-interest debts, d...
15/09/2026

Feeling stretched by too many repayments?

If you’re juggling credit cards, personal loans or other high-interest debts, debt consolidation could be worth exploring.

Bringing multiple debts together into one repayment may help you simplify your finances, improve cash flow and make your repayments easier to manage.

✨ Less juggling. More control. A clearer path forward.

📩 Want to know if debt consolidation could work for you? Let’s chat.
📞 0422 735 290

14/09/2026

You’ve been renting for years and thinking, “I’m not ready to buy yet…”

Maybe you believe you need a 20% deposit, or that getting pre-approved means you’re committed to buying straight away.

But here’s what many first-home buyers don’t realise:

💸 Rent = 100% payment, 0% ownership
🔑 You may not need a 20% deposit
🗺️ Pre-approval is your roadmap, not a trap

Sometimes, the biggest thing standing between you and your first home is simply not knowing what’s possible.

📩 Still renting? DM “FIRST HOME” and let’s find out where you stand — no pressure, just clarity.
📞 0422 735 290

You may not control everything that happens, but you can choose how you respond, what you focus on, and where you go fro...
11/09/2026

You may not control everything that happens, but you can choose how you respond, what you focus on, and where you go from here. 🤍

Make it count.

Your mortgage renewal offer lands in your inbox…The easiest option? Accept it and move on.But is it the best option? 🤔Yo...
10/09/2026

Your mortgage renewal offer lands in your inbox…

The easiest option? Accept it and move on.
But is it the best option? 🤔

Your lender’s first renewal offer may not be the most competitive option available to you.

Before you commit:
🔍 Review your current rate
⚖️ Compare your options
💬 See if there’s room to negotiate

Don’t automatically renew. Review first.

📩 Renewal coming up? Send us a message and let’s check your options before you sign.
📞 0422 735 290

🏡 Why use a mortgage broker?Because your options shouldn’t stop at one bank.A mortgage broker can compare multiple lende...
09/09/2026

🏡 Why use a mortgage broker?

Because your options shouldn’t stop at one bank.

A mortgage broker can compare multiple lenders, rates and loan options to help find a solution that suits your circumstances and your goals.

More options. More choice. A loan that works for you.

📩 Want to know what your options look like? Let’s chat.
📞 0422 735 290

Address

Blackburn
Melbourne, VIC
3130

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 8am - 7pm
Sunday 8am - 7pm

Telephone

+61422735290

Website

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