Ello Lending Co

Ello Lending Co With decades of experience across our team we're experts in first home buyer, construction, house and land, investor and complex lending scenarios!

We service Australia wide with convenient options via phone, video and face to face meetings.

It can feel that way, because lender policies, documentation, and SMSF compliance steps matter. The good news: with the ...
20/03/2026

It can feel that way, because lender policies, documentation, and SMSF compliance steps matter. The good news: with the right experienced Mortgage Broker and preparation, it can be straightforward.
Comment "SMSF" if you want more info.
General information only, not financial advice.

How did you go with your money goals this month?Maybe you stuck to your budget 💪Maybe life threw a few unexpected bills ...
26/07/2025

How did you go with your money goals this month?
Maybe you stuck to your budget 💪
Maybe life threw a few unexpected bills your way (it happens!)
Or maybe you’re realising you still don’t quite know where all the money went… 😅
Wherever you’re at — this is your gentle reminder:
Progress > perfection.
And you don’t have to figure it all out alone.
If you're feeling stuck, need a fresh plan, or just want someone to help keep you accountable — I'm here.
Whether it's saving for your first home, refinancing, or just getting a better handle on your numbers — let’s talk.
📩 DM me to check in or book a quick clarity session. No judgement, just support.

💛 24 July – International Self-Care DayA little reminder, from your broker who gets it.Life gets busy — and when you’re ...
23/07/2025

💛 24 July – International Self-Care Day
A little reminder, from your broker who gets it.
Life gets busy — and when you’re trying to sort out your finances, navigate the property market, or make big decisions for your family… it can feel like you’re constantly in “go” mode.
But today is International Self-Care Day, and I just wanted to remind you:
You don’t need to do it all on your own.
You’re allowed to pause.
And taking care of yourself is just as important as ticking off your to-do list.
Whether you’re buying your first home, refinancing, or just exploring your options — my role is to take some of that pressure off your shoulders.
✅ To do the research
✅ To find the best solutions
✅ And to make the process feel less overwhelming
So if the home loan stuff is sitting heavy on your mental load — let’s chat.
I’ve got you. 💬
Take care of you today — even if it’s just a quiet moment, a deep breath, or a walk outside. Your future self will thank you for it.

☕️ Love Our LocalAs a local small business owner, I know how much heart and hustle goes into running a great operation —...
20/07/2025

☕️ Love Our Local
As a local small business owner, I know how much heart and hustle goes into running a great operation — and XS North Parramatta is one of those places that just gets it right.

Great coffee. Friendly team. Consistent quality.
It’s the kind of spot you start your day at without needing to think twice.

Whether I’m heading to a client meeting or catching up on emails, this place has become a bit of a second office — minus the printer issues.

Supporting local matters. And this one’s well worth supporting.

📉 Rates have dropped — but will your mortgage repayments?Not necessarily. Most lenders don’t reduce your repayments auto...
20/07/2025

📉 Rates have dropped — but will your mortgage repayments?
Not necessarily. Most lenders don’t reduce your repayments automatically. You might need to request it.

🔹 Variable loans may adjust
🔹 Fixed loans stay the same
🔹 Keeping repayments the same could help you pay off your loan faster

Always check with your lender to be sure.

A. UpsizingB. Downsizing(or maybe just dreaming for now…)Life changes — and so do our needs. Maybe you’re running out of...
19/07/2025

A. Upsizing
B. Downsizing
(or maybe just dreaming for now…)
Life changes — and so do our needs. Maybe you’re running out of room, or maybe you’re ready to simplify. Maybe it’s less about the house and more about the lifestyle.
Whatever stage you’re in, there’s no one-size-fits-all approach to property. It’s about what feels right for you — your family, your finances, your future.
If you're starting to think about your next move (or even if you’re not sure where to start), I’m here to help you explore your options without pressure.
📩 Drop your letter below — or DM me when you're ready to talk it through.

🚗 Finance Your Dream RideWe don’t just do mortgages — we do motors too.From hatchbacks to Hiluxes, Teslas to tradie vans...
16/07/2025

🚗 Finance Your Dream Ride
We don’t just do mortgages — we do motors too.
From hatchbacks to Hiluxes, Teslas to tradie vans — if it’s got wheels (and a VIN), we can probably help you finance it.
Because let’s be real:
That dream car isn’t going to rev itself off the lot.

💨So if you’re ready to upgrade your ride — without selling a kidney — let’s chat. I’ll run the numbers, find the best option, and get you road-ready faster than you can say "zero to sixty."

🏢 Buying Commercial Property in Your SMSF?Yes, it’s possible — and we can help.Whether you’re a savvy investor or a busi...
15/07/2025

🏢 Buying Commercial Property in Your SMSF?
Yes, it’s possible — and we can help.
Whether you’re a savvy investor or a business owner tired of paying rent to someone else (hello, landlord’s new boat) — buying a commercial property through your Self-Managed Super Fund could be a smart move.
Here’s what you need to know:
💼 LVRs up to 80% (yep, you don’t always need a massive deposit)
🏬 You can occupy the property if your business operates from it
🏥 Acceptable security types:
• Industrial
• Retail
• Office
• Medical suites
• Mixed-use
• Childcare centres
• Boarding houses
Every lender has different criteria — so don’t DIY this one. Let’s structure it right from the start.
💬 DM me to find out if SMSF lending is right for your next move.

World Youth Skills Day – Start Them Young15 July is World Youth Skills Day — and when it comes to financial literacy, th...
14/07/2025

World Youth Skills Day – Start Them Young

15 July is World Youth Skills Day — and when it comes to financial literacy, the earlier the better.
From managing pocket money to understanding the value of saving, teaching kids about money doesn’t need to be complicated — but it does need to be intentional.

Here are a few ways parents can build smart money habits early:
📚 Read books like “The Barefoot Investor for Families”
💰 Use apps like Spriggy to manage pocket money
📈 Try Spriggy Invest to teach kids about long-term savings and investing
🏡 Start conversations about property and home ownership (yes, even in the car!)
These small lessons today can become powerful tools tomorrow — whether your child wants to own a home, run a business, or simply understand their worth in dollars and sense.
Let’s raise a generation who knows how to budget, invest, and back themselves.

Thinking about refinancing your SMSF loan? 🏡💼 Here’s what you need to know before applying:✅ Stricter rules apply than r...
13/07/2025

Thinking about refinancing your SMSF loan? 🏡💼 Here’s what you need to know before applying:

✅ Stricter rules apply than regular home or investment loan refinancing.
✅ LVR matters – some lenders cap at 70%, so your property’s value and total refinance costs must fit within that.
✅ No top-ups or redraws – you can only refinance what's currently owing.
✅ Property must qualify – not all properties meet SMSF lending criteria.
✅ Liquidity is key – your SMSF must hold 10–20% of the property’s value in cash post-settlement.
✅ Loan term must be between 15–30 years.
✅ Good repayment history – at least 6–12 months of on-time repayments is essential.

All general advice only

💬 Got questions about SMSF refinancing? Drop them below or get in touch!

Address

Melbourne, VIC

Telephone

+61482092125

Website

https://podcasters.spotify.com/pod/show/ello-lending-co/

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