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Nimesha Randeniya - Mortgage Broker

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Nimesha Randeniya - Mortgage Broker

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Broker Partner at Blank Financial

05/11/2026

If you’ve got a few debts sitting at different rates, there’s usually an opportunity to bring them onto one, and the sooner you look, the more you keep.

Send us a DM and we’ll show you what it could look like for you.

30/10/2026

Q4: Property Contract එකක වැදගත්ම Clauses මොනවාද?

අපේ mini Q&A series එකේ හතරවැනි video එකෙන්, finance clauses, building and pest inspection conditions සහ unconditional contract එකක් sign කිරීමේදී ඇති විය හැකි risks ගැන කතා කරනවා.

Understanding these clauses can help protect your interests and help you make an informed decision when buying a property.

Stay tuned for our final episode, where we’ll discuss the key steps first-home buyers should follow when purchasing a property!

For finance or legal guidance, contact:

Nimesha Randeniya
Broker Partner at Blank Financial
☎️ 0466 282 234
📧 [email protected]

Manthi Kularatne
Principal Solicitor at Meraki Lawyers
☎️ 0466 282 234
📧 [email protected]

29/10/2026

If a month of refinancing posts leaves you with one thing, we'd want it to be this: the opportunity in your loan is rarely where you'd expect it.

People come in about their rate and leave talking about their equity. They ask about a fixed term ending and find out their new income has opened up half the panel. Some find the best move is staying right where they are. The only way to know which applies to you is to look at the whole loan, rather than the part that's been bugging you.

So, which blank is yours? DM us and we'll help you fill it in.

24/10/2026

Q4: What Are the Most Important Clauses in a Property Contract?

In the fourth video of our mini Q&A series, we discuss important contract conditions, including finance clauses, building and pest inspections, and the potential risks of signing an unconditional contract. Learn how understanding these clauses can help protect your interests and make informed decisions when buying a property.

Stay tuned for our final episode, where we’ll discuss the key steps first-home buyers should follow when purchasing a property!

For finance or legal guidance, contact:

Nimesha Randeniya
Broker Partner at Blank Financial
☎️ 0466 282 234
📧 [email protected]

Manthi Kularatne
Principal Solicitor at Meraki Lawyers
☎️ 0466 282 234
📧 [email protected]

23/10/2026

The person helping you at your bank can only compare their own loans against each other. We get to put yours beside lenders with different pricing, different policies and different ways of reading your income, and that's usually where the better outcome turns up. Sometimes it means moving to a new lender. Sometimes it means taking a competing offer back to the one you already have.

The opportunity gets wider when you can see all the options. DM us and we'll show you what's out there.

20/10/2026

People often come to us with a suburb picked out and a figure in mind, usually their property value less their loan. On a $900,000 home with $580,000 owing, that's $320,000.

The number lenders work with is smaller. Most will lend up to 80% of the value without mortgage insurance, so the usable equity in that example is closer to $140,000. That's still enough for a 20% deposit on a $700,000 investment. Whether a lender will release it comes down to serviceability, and because policies on rental income and buffers vary so much across the panel, the lender you choose can matter as much as the equity you have.

The opportunity starts with knowing your real number before you fall for a property. DM us and we'll work it out with you.

19/10/2026

By the time the boxes are packed, most people have thought about everything except the loan on the house they're leaving.

That's where one of the most common structuring mistakes we see tends to happen. Savings that have been sitting in redraw get pulled out for the next deposit, the old home becomes an investment, and the way that money moved can affect how the interest is treated from then on. Once it's done, it's very hard to unwind. Sorted out beforehand, with your savings in the right place and the loan set up for its new job, the same property can work a lot harder for you as an investment.

The window for that opportunity closes when you move out. DM us before moving day and we'll work through it alongside your accountant.

18/10/2026

Some of our best refinance conversations start as small talk. Someone mentions a promotion, a partner heading back to full hours, or that they've just lodged their second tax return on the ABN, and we're already thinking about their loan.

Lenders assess your income at the point you apply, and they never come back to check. So if you've cleared probation, built up a couple of years of steady overtime or commission, or added a second income since you signed, your loan is still sized and priced on an older version of your finances. Any one of those can open up parts of the panel that weren't available to you back then.

Good news at work is often an opportunity for your loan too. Tell us what's changed in a DM and we'll show you what it could mean.

16/10/2026

Q3: Contract එක Solicitor කෙනෙක් ලවා review කරගැනීම වැදගත් ඇයි?

අපේ mini Q&A series එකේ තුන්වැනි video එකෙන්, property එකක් මිලදී ගන්නකොට contract එක sign කරන්න කලින් Solicitor කෙනෙක් ලවා review කරගැනීම වැදගත් වෙන්නේ ඇයි කියලා පැහැදිලි කරනවා.

Stay tuned for more helpful First Home Buyer questions and answers!

For finance or legal guidance, contact:

Nimesha Randeniya
Broker Partner at Blank Financial
☎️ 0466 282 234
📧 [email protected]

Manthi Kularatne
Principal Solicitor at Meraki Lawyers
☎️ 0466 282 234
📧 [email protected]

14/10/2026

The hesitation we hear most about offsets is that people don't want their savings tied up in the mortgage. Fair enough. It's usually the money you've worked hardest to put aside.

An offset keeps it just as reachable as an everyday account. What changes is what the money does while it sits there. Every dollar reduces the interest charged on your loan, and because it only counts on the days it's in the account, it suits savings you tend to leave alone, like an emergency fund or cash set aside for a big expense down the track.

Plenty of basic and older loans were set up without one. If yours was, adding it is one of the more practical opportunities a refinance can open up. Send us a DM and we'll show you what it would look like.

Address

Melbourne, VIC

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+61466033443

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