KAIR Finance

KAIR Finance KAIR Finance - built on Trust & Care. We are committed to delivering tailored lending solutions with knowledge, integrity, and genuine care.

We simplify the finance journey and help clients achieve their property goals with confidence.

🏦 Buying Through a Company or Trust? Here’s What You Need to Know 👇Some banks have been pulling back from lending to com...
08/09/2026

🏦 Buying Through a Company or Trust? Here’s What You Need to Know 👇
Some banks have been pulling back from lending to companies and trusts — but the good news is, we still have options.
Here are a few things you need to know:
✅ Borrowing limits
• Most lenders: up to 80% LVR without LMI
• One lender: up to 85% LVR without LMI
✅ Trading restrictions
• The company or trust will usually need to be non-trading
• Dividend income from shares may be acceptable with some lenders
• Rental income from investment properties may be acceptable
• Only a handful of lenders will consider trading entities
✅ Additional requirements
• A certified trust deed will generally need to be provided
• Higher interest rates may apply
• The lender will usually review the trust structure upfront to make sure it is acceptable
✨ Broker tip: Getting the structure right from the start can save you time, money and stress later.
💬 Thinking about buying property through a company or trust? Reach out and I can help you understand which lenders may suit your structure and what documentation you’ll need.

To the Dad who treats every life decision like a financial audit. The one who has been offering "strategic advice" since...
06/09/2026

To the Dad who treats every life decision like a financial audit. The one who has been offering "strategic advice" since the 90s, whether or not you actually wanted a second opinion. He’s never worked in finance, but he’s convinced you should have checked the fine print with him first. And the most annoying part? He’s usually right. Happy Father’s Day to all the dads and caregivers. 💙

Wishing all the incredible dads a very Happy Father’s Day! 💙Thank you for the love, guidance and strength you give every...
06/09/2026

Wishing all the incredible dads a very Happy Father’s Day! 💙

Thank you for the love, guidance and strength you give every day. Today, we celebrate you and all that you do.

Happy Father’s Day 🏡💙

Just a little note about our name 🤍You might have seen KAIR Finance and wondered how to pronounce it.It’s pronounced “Ca...
04/09/2026

Just a little note about our name 🤍

You might have seen KAIR Finance and wondered how to pronounce it.

It’s pronounced “Care” just like the word care. ❤️

And there’s actually a reason behind the name.

For us, finance isn’t just about numbers, loans and paperwork. It’s about people, their goals and the journey they’re on. We wanted our name to reflect the way we believe clients should be treated with genuine care, trust and understanding.

So, the next time you see KAIR Finance, you’ll know:

KAIR = Care.

And our tagline says it all:
Built on Trust & Care.

We’re excited to begin this journey and to help more people turn their property goals into reality. 🏡

📞 0422 362 530
📧 [email protected]

🏡 How Guarantor Loans Work — aka the Bank of Mum & Dad 😉Don’t qualify for a government guarantee scheme or an LMI waiver...
04/09/2026

🏡 How Guarantor Loans Work — aka the Bank of Mum & Dad 😉
Don’t qualify for a government guarantee scheme or an LMI waiver?
You may still have another option to help you avoid LMI and get into the property market sooner: a parental guarantor loan. 🚀
Here’s how it can work:
✨ Your parents — or another eligible close family member — use some of the equity in their property to support your loan.
✨ This can mean you don’t need the full 20% deposit.
✨ And potentially, you can avoid the additional cost of LMI. 💸
Example 👉
Sarah’s parents came on as limited guarantors, using equity in their home to give Sarah the support she needed to buy her first property without a large deposit or LMI.
🙌 Pretty clever, right?
If you’re wondering whether a guarantor loan could help you get into your new home sooner, let’s chat and see whether it could work for you.

If you have a few credit cards, a car loan or even some lingering buy-now-pay-later services, keeping track of all those...
02/09/2026

If you have a few credit cards, a car loan or even some lingering buy-now-pay-later services, keeping track of all those different repayment dates and interest rates can be a headache.

Debt consolidation is a strategy that could simplify things by rolling them into one regular repayment.

It is about simplifying your life and taking back control of your cash flow.

Reach out to see if debt consolidation is right for you.

**A Milestone We’re Truly Grateful For 🏆**We’re incredibly humbled and proud to share that we have achieved **CBA Elite ...
01/09/2026

**A Milestone We’re Truly Grateful For 🏆**

We’re incredibly humbled and proud to share that we have achieved **CBA Elite Broker Status for FY2026–27 — for the fourth consecutive year.**

This recognition is a reflection of the trust our clients place in us, the support of our referral partners, and the dedication of our team.

We don’t take this achievement for granted. Every client, every conversation, and every opportunity to help someone achieve their financial goals continues to motivate us to do better.

**Thank you to everyone who has been part of our journey.**
We look forward to continuing to serve our clients with the same commitment, integrity and care.

**KAIR Finance — Built on Trust & Care** 💙

😂 “I love the bank”… said no one, ever!So why use a mortgage broker instead?✨ We have access to 30+ lenders — not just o...
01/09/2026

😂 “I love the bank”… said no one, ever!
So why use a mortgage broker instead?
✨ We have access to 30+ lenders — not just one.
✨ Our job is to understand you — your goals, your needs and even your quirks — then match your situation with the right lender and lending policy.
✨ Because it’s about way more than just the interest rate. It’s about finding the lender that actually says YES to your scenario.
Think of me as your mortgage matchmaker 💘
Except instead of awkward dates, you get a home loan that actually fits. 🏡
💬 DM me and let’s find the right lender match for you.

The property market is always shifting, and recent figures show national average loan values have eased slightly, moving...
31/08/2026

The property market is always shifting, and recent figures show national average loan values have eased slightly, moving from $737k in December to $731k in June.

While a 0.8% dip is a subtle change, it’s a reminder that market trends are rarely straight lines. Averages are helpful for tracking the big picture, but they don't dictate what’s possible for your personal situation.

If you’re watching the market and wondering what these shifts mean for you, let’s run the numbers together.

Talk to us.

Whether you're buying your first home or looking to invest, it's important to consider your what-ifs.Would you be able t...
25/08/2026

Whether you're buying your first home or looking to invest, it's important to consider your what-ifs.
Would you be able to keep up with your loan repayments and everyday expenses if you became seriously ill or injured? Contact me to learn more.

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Melbourne, VIC

Telephone

+61422362530

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