Axcent Finance - Padmini Shanmugam

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

24/06/2026

🏡 Think buying your first home is still years away? You might be closer than you think.

With initiatives like Help to Buy and other first home buyer support schemes, getting into the property market could be more achievable than you realise.

The biggest mistake? Assuming you don't qualify without checking.

💬 If home ownership is on your vision board for 2026, let's chat and explore your options.

📞0422 735 290.

📣 RBA Holds Cash Rate at 4.35%Following three consecutive rate increases, the RBA has decided to keep the cash rate on h...
16/06/2026

📣 RBA Holds Cash Rate at 4.35%

Following three consecutive rate increases, the RBA has decided to keep the cash rate on hold at 4.35% — the first pause of 2026. 🏡💰

While rates remain unchanged, now is still a great time to review your home loan. Many borrowers are paying more than they need to or may have opportunities to improve their loan structure.

Whether you're a homeowner, investor, or looking to enter the property market, understanding your options is more important than ever.

💬 Curious about what this means for your mortgage or borrowing power? Contact Axcent Finance for a free home loan review.

📞 0422 735 290

09/06/2026

🏡 3 key things Australians should know about investing in property through an SMSF 👇

1️⃣ Potentially unlock additional borrowing capacity 🔓
If your personal borrowing power is limited, SMSF lending is assessed separately from your personal name.

2️⃣ Negative gearing opportunities may still apply 📋
SMSFs continue to offer property investment strategies that many investors may not realise are still available.

3️⃣ Tax advantages can be powerful 💰
✔ Potential CGT discount on assets held longer than 12 months
✔ In pension phase, capital gains may potentially be tax-free

Your super could be doing more than just sitting there — it could help fund your next property investment 📈

💬 Want to explore your SMSF options? Reach out today.

08/06/2026

Why choose me as your mortgage broker? 🤔

Because when I work on your loan… I’m locked in. 💻☕
No distractions. No shortcuts. Just full focus on getting the best outcome for you.

I treat every application like it’s my own.

💬 Ready to work with someone who genuinely cares? DM me today.

04/06/2026

🏡 Thinking About Buying Your First Home?

You could be eligible for government support that makes home ownership more achievable:

✅ Buy with only a 5% deposit and avoid LMI
✅ Access the Help to Buy shared equity scheme
✅ Receive a First Home Owner Grant (where eligible)
✅ Save thousands with stamp duty concessions
✅ Build your deposit faster through super

Many first home buyers don't realise how many incentives are available until they speak with a mortgage broker.

📞 Ready to buy your first home?
Let's find out which grants, schemes and benefits you may be eligible for.

Book your free consultation today.
📲 0422 735 290

🌱 One step at a time.One day at a time.You’re closer than you think 💫
28/05/2026

🌱 One step at a time.
One day at a time.
You’re closer than you think 💫

28/05/2026

📞 Client: “I need a loan today.”
🏃‍♀️ Axcent Finance: “On my way!” 😂

💬 Need help fast? We’re ready when you are.

26/05/2026

🏡 One thing I see all the time…

People set up their mortgage once — and then never review it again.

Life changes. Goals change. Interest rates change. 💰

But your home loan often stays exactly the same on autopilot.

That’s why it’s important to do a regular mortgage check-in to make sure your loan still works for your current situation and future goals.

You could potentially:
✔ Reduce your interest rate
✔ Improve your loan structure
✔ Access equity
✔ Save money over time

💬 Not sure if your current loan is still the right fit? Let’s review it together — DM me today.

24/05/2026

💡 Refinancing isn’t about starting over — it’s about moving forward.

✔ Lower your interest rate
🏡 Access cash for renovations
💳 Consolidate high-interest debts

Your mortgage should work harder for you, not the other way around 💰

💬 Ready to review your options? DM me today.

✨ Strive for progress, not perfection.Small steps every day still move you forward 💫
21/05/2026

✨ Strive for progress, not perfection.
Small steps every day still move you forward 💫

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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