Sindhu V Raj - Questar Finance

Sindhu V Raj - Questar Finance Turning home dreams into reality 🏡✨ Less stress, smarter loans, and finance that actually fits your life.

First home, investment, or refinance, let’s make it happen!

31/08/2026

Building a property portfolio is one thing.

Understanding the end game is another. 👀

General information only. Lending, tax and investment outcomes depend on individual circumstances. Consider appropriate professional advice.

27/08/2026

A mortgage repayment isn’t the full cost of owning a home.

And this is something I wish more first home buyers worked out before deciding what their maximum budget should be.

The question isn’t just “How much can I borrow?”

It’s “How much can I comfortably afford to own?”

Because getting the keys is exciting. Being comfortable with the bills that come after them matters too.

General information only. Costs vary depending on the property and individual circumstances. This is not financial advice.

What if the home you thought was out of reach… wasn’t? 👀A smaller deposit doesn’t always mean you need to settle for a s...
25/08/2026

What if the home you thought was out of reach… wasn’t? 👀

A smaller deposit doesn’t always mean you need to settle for a smaller first home.

Under the Australian Government’s Help to Buy shared equity scheme, eligible buyers may be able to purchase with a minimum 2% deposit, while the Government contributes equity towards the property.
That can mean a smaller home loan and potentially a very different borrowing conversation.

The example in this carousel is illustrative only. Your borrowing capacity, eligibility and purchase costs will depend on your individual circumstances and lender assessment.

Before you change your property search because of what you think you can borrow, check the numbers properly.

📩 DM me “HELP TO BUY” and I’ll help you work through what the numbers could look like for you.

Sindhu V Raj | Mortgage Broker
📞 0470 018 441

Help to Buy terms, conditions and eligibility criteria apply. This is general information only and does not constitute financial or lending advice. Individual circumstances and lender criteria apply.

24/08/2026

You’d be surprised how many home buyers believe these things are actually true 👀

They’re some of the most common mortgage misconceptions I hear in my office.

The tricky part? What applies to one person may not apply to the next. Different lenders have different policies, and your options depend on your individual circumstances.

So before you rule yourself in — or out — based on something you’ve heard, check what actually applies to you.

📍 Melbourne Mortgage Broker
📞 0470 018 441

17/08/2026

Would you let the government own part of your home if it helped you buy with just a 2% deposit? 🏡

That’s the idea behind Help to Buy.

✅ As little as 2% deposit
✅ Smaller home loan
✅ Potentially lower repayments
✅ No LMI

But there’s a catch.

The government can own up to 30% of an existing home or 40% of a new home. And if your property goes up in value, so does the value of their share.

So before choosing Help to Buy just because you only need 2%, compare it with your other first home buyer options.

Getting in sooner can be great. But keeping 100% ownership may make more sense for some buyers.

📞 Sindhu V Raj | Mortgage Broker
📱 0470 018 441

General information only. Eligibility criteria, property price caps, lender requirements and scheme conditions apply. This is not financial or legal advice.



[MelbourneProperty HomeLoanAustralia MortgageBrokerMelbourne SharedEquity FirstHomeBuyers PropertyAustralia]

12/08/2026

You don’t need a mortgage broker for everything.

But when things don’t go quite to plan, having someone in your corner can make a big difference.

That’s the part of this job I value the most — being that person when it actually counts. 🤍

Sindhu V Raj | Mortgage Broker

Rates stay put at 4.35%. Property prices? That’s a different story. 👀ANZ is warning prices could fall by as much as 15%....
11/08/2026

Rates stay put at 4.35%.
Property prices? That’s a different story. 👀

ANZ is warning prices could fall by as much as 15%.

For homeowners, that number sounds uncomfortable.
For someone waiting to buy, it may sound like opportunity.

Will prices actually fall 15%? We don’t know.

But the same market can look very different depending on where you’re standing.

10/08/2026

When should you actually refinance your home loan? 🤔

And more importantly — how much does refinancing cost?

Got this question in my DMs, so here’s the simple answer.

A lower interest rate doesn’t automatically mean you should refinance. You need to look at the potential savings, the cost of switching, and whether the new loan actually suits you better.

And if you want the easy way - just contact me. I do all of this for my clients. 😊

03/08/2026

Your credit score might be the reason you're not ready to buy... even if your income and deposit are.

A lot of first-home buyers focus on saving a deposit but forget that lenders also look closely at their credit history.

If you're planning to buy in the next 6–12 months, now is the perfect time to check your credit profile and build healthy credit habits.

If you're not sure where you stand, book a strategy call with me. We'll look at your situation and work out the best path towards your first home.

📍Helping first-home buyers across Australia.



Disclaimer General information only. Lending criteria and eligibility vary between lenders.

Address

Waterman Business Centre, Suite 42 Level 2 UL/42/1341 Dandenong Road, Chadstone
Melbourne, VIC
3148

Opening Hours

Monday 9am - 5am
Tuesday 9am - 5am
Wednesday 9am - 5am
Thursday 9am - 5am
Friday 9am - 5am
Saturday 9am - 5am
Sunday 9am - 5am

Telephone

+61470018441

Website

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