Nimesha Randeniya - Mortgage Broker

Nimesha Randeniya - Mortgage Broker Broker Partner at Blank Financial

Between fuel price hikes, heated CPI statistics and worrying inflation numbers, 2026 has been a rocky start for the Aust...
29/05/2026

Between fuel price hikes, heated CPI statistics and worrying inflation numbers, 2026 has been a rocky start for the Australian property market.

But when the economic noise gets loud, the borrowers who come out ahead aren't the ones who waited for certainty. They're the ones who got the right people around them early.

A broker works across the entire market, knows exactly how lenders are moving right now, and is legally required to act entirely in your best interest — so when the opportunity exists, you're already positioned to take it.

DM us to see what's possible with your position.

For a lot of first home buyers, the deposit is the only thing standing between them and the market.A guarantor loan is d...
25/05/2026

For a lot of first home buyers, the deposit is the only thing standing between them and the market.

A guarantor loan is designed exactly for that gap. By using equity in a family member's property as security, you can enter the market with a smaller deposit and no LMI — and without the years of saving that, in a rising market, often cost more than people realise.

It's not without responsibility. The person going guarantor takes on real financial exposure and that deserves to be understood clearly before anything is signed. But structured correctly, with a clear plan to release the guarantor once equity is built, it's one of the most powerful tools a first home buyer has access to.

For the right buyer, it doesn't just remove a barrier. It unlocks the whole thing.

DM us to find out if a guarantor loan is the right move for your situation.

Contact me on:

☎️ 0466 282 234
📧 [email protected]

✨ Most people walk into their existing bank when it's time to get a home loan. It feels like the logical starting point ...
22/05/2026

✨ Most people walk into their existing bank when it's time to get a home loan. It feels like the logical starting point — familiar, easy, low friction. But your bank isn't shopping the market on your behalf. They're offering you what they have. And what they have is one set of products, one set of policies, and one appetite for risk.

We work across hundreds of lenders every day. We understand how each bank reads a file, which policies suit which borrowers, and how to present your position in a way that gives you the best possible chance of the right outcome. By law, we're governed by best interest duty. That means we have every reason to find you the right result, and no reason not to.

Most of our clients buy a home once or twice in their lifetime. We do this every single day. That depth of experience and access is what turns a good application into a great opportunity.

DM us to find out what we could unlock for your situation. hashtag
Contact me on:
☎️ 0466 282 234
📧 [email protected]

✨ Did you know working with a broker doesn't come with a bill? (At least, not one you pay)When we place your loan with a...
19/05/2026

✨ Did you know working with a broker doesn't come with a bill? (At least, not one you pay)

When we place your loan with a lender, they pay us a commission that comes entirely out of their side of the deal, leaving your rate and your wallet untouched. And in return, we work with hundreds of lenders to find the perfect financial fit for your situation, matching your income, your debt profile, and your goals to policies that legally have to get you the best result.

All completely free of charge.

Dm us to find your opportunity in today’s property market.

Contact me on:

☎️ 0466 282 234
📧 [email protected]

Most borrowers treat fixed vs variable like a binary choice, but it doesn't have to be. A split loan lets you hold flexi...
18/05/2026

Most borrowers treat fixed vs variable like a binary choice, but it doesn't have to be. A split loan lets you hold flexibility and certainty at the same time, making extra repayments and running an offset on the variable side, while the fixed portion gives you a repayment you can plan around regardless of what the market does.

For the right borrower, that structure doesn't just reduce risk. It creates room to move in ways a single rate simply doesn't allow. The opportunity in a split loan is in the ratio, and getting that right depends on your income, your goals, and where you want to be in five years.

DM us to see what the right structure could unlock for you.

Contact me on:
📲 0466 282 234
📧 [email protected]

Five days on from the budget, and the conversations we're having with clients are already shifting.Negative gearing rest...
17/05/2026

Five days on from the budget, and the conversations we're having with clients are already shifting.

Negative gearing restricted to new builds. The 50% CGT discount replaced with a flat 30% rate from July 2027, with new builds still eligible for the original discount. Income tax cuts confirmed. Family trusts losing their key distribution advantage from 2028.

For investors, the tax advantages that once applied broadly are now concentrated in new builds, dramatically shaping what’s possible for those who move while the market is still catching up. For first home buyers, reduced investor competition for established stock could open doors that have felt closed for a while.

The budget is here. Your broker knows where your opportunity sits.

DM us or tap the link in bio.

Buying your first home with a 5% deposit is possible — and right now, it's more accessible than it's ever been.The First...
15/05/2026

Buying your first home with a 5% deposit is possible — and right now, it's more accessible than it's ever been.

The First Home Guarantee removes the LMI cost that usually comes with a smaller deposit — a saving that can run into the tens of thousands. It's a genuinely useful tool for buyers whose income is there but whose savings haven't quite caught up. In a market that doesn't wait, getting in earlier with your cash position intact can matter more than people realise.

But it doesn't remove the trade-offs that come with borrowing more against less. A larger loan means higher repayments from day one and a slower path to building meaningful equity. The scheme opens a door, but it doesn't change what's on the other side of it.

For the right buyer, this is a real opportunity. For others, waiting or structuring differently could lead to a better outcome. Send us a DM if you want to understand which approach puts you in the stronger position.

Contact me on:
📲 0466 282 234
📧 [email protected]

A declined application can feel like a full stop. Most of the time, it's just a comma. The lending system isn't a single...
13/05/2026

A declined application can feel like a full stop. Most of the time, it's just a comma. The lending system isn't a single decision, but a network of policies, risk appetites, and criteria that vary from lender to lender.

What one bank won't touch, another will structure differently.

DM us if you've been knocked back and want to understand what your options look like.

Contact me on:
📲 0466 282 234
📧 [email protected]

Is your offset account is doing its job? In some cases, even when the account is in place, the benefit isn’t always ther...
08/05/2026

Is your offset account is doing its job? In some cases, even when the account is in place, the benefit isn’t always there, leaving borrowers paying more interest than they realise. Swipe through to see what to check, and send us a DM if you want to see if your offset is working for you.

Contact me on:
📲 0466 282 234
📧 [email protected]

Address

Melbourne, VIC

Telephone

+61466033443

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