Salt Finance Australia

27/05/2026

Teamwork, Determination & a Little Bit of Dirt 🏁

Hi, let me reintroduce myself as your local mortgage broker, passionate about helping clients achieve their property goals with the right support and guidance along the way.

Many of you may also know I’m a big lover of adventure and the outdoors. Last weekend, myself and three other incredible ladies competed as a team of four in the Transmoto Miva Station 8-Hour “Your Mates” Dirt Bike Race, where we were proud to take out 3rd place in the Ladies Division 🏍️🏆

It was an amazing experience that really reflected the values I bring to my business every day — teamwork, determination, resilience, and having a great support crew around you.

Whether you’re looking to buy your first home, invest, refinance, or just want to chat about your options, I’d love to help you reach your goals too. Send me a message anytime 📩

26/05/2026

🏗️✨ Building Dreams Starts with Knowing Your Numbers
Thinking about building your own home? 🏡
Before slabs, frames, and Pinterest boards come into play, the most important step is understanding your numbers…. properly.
Construction loans work very differently to standard home loans, and getting this wrong early can cause stress, delays, and unexpected costs later.
Here’s what you need to know 👇
🔹 Progress payments – funds are released in stages as the build progresses
🔹 Interest-only during construction – repayments change once the build is complete
🔹 Valuations & contracts – lenders assess fixed-price contracts, inclusions, and contingencies differently
🔹 Buffer planning – variations, site costs, and timing all matter

When you start your journey with me, I’ll guide you through the ins and outs before you sign anything — so you know what’s achievable, what lenders will accept, and how to avoid nasty surprises mid-build.

Building should be exciting, not overwhelming.

Let’s chat and set your build up for success from day one 💬💪

26/05/2026

✨ Pre-Approval vs Formal Approval. What’s The Difference
When it comes to buying a home, these two terms are key, but they’re not the same. Let’s break it down:
✅ Pre-Approval:
• A lender gives you an indication of how much you can borrow.
• Based on your financial info, it’s a great tool to shop with confidence.
• But it’s not a guarantee!
✅ Formal Approval:
• This is the lender’s final approval of your loan.
• It happens after they’ve fully assessed your application and verified everything (like the property value).
• This is when you can officially celebrate! 🎉

Knowing the difference can save you stress during the buying process. Ready to get started? I’ll guide you every step of the way!

12/05/2026

📊 LVR

LVR stands for Loan-to-Value Ratio, and it’s a key factor when applying for a home loan. 🏡
Here’s a quick example:
• You’re buying a property worth $500,000.
• You have a $100,000 deposit.
• Your loan amount is $400,000.
LVR = (Loan Amount ÷ Property Value) x 100
In this case: ($400,000 ÷ $500,000) x 100 = 80%

🔑 Why it matters:
• A lower LVR (like 80% or less) can mean better loan options and lower costs.
• A higher LVR (above 80%) may require Lender’s Mortgage Insurance (LMI).
Understanding your LVR can help you plan smarter and save more. Need help figuring yours out?
Let’s chat! 💬

11/05/2026

How Much Deposit Do You ACTUALLY Need?

💰 20% deposit = no Lenders Mortgage Insurance (LMI).
💰 10% deposit = LMI applies, but you can still buy.
💰 2 - 5% deposit = First Home Buyer options and government guarantees available.
💰 0% deposit? Family guarantees might help!

✨ You might be closer to buying than you think—DM me to find out!

11/05/2026

The REAL Cost of Buying a Home

💰 It's more than just a deposit! Before you sign on the dotted line, factor in:
🏠 Stamp duty and government transfer fees
📜 Legal & conveyancing fees
🛠️ Building & pest inspections
📈 Lenders Mortgage Insurance (LMI)
💡 Know your true budget before you start house hunting!

06/05/2026

💥 RBA hikes cash rate to 4.35% — what this means for you

The Reserve Bank of Australia has increased the official cash rate by 0.25%, moving it from 4.10% to 4.35%.
For a borrower with a $500,000 home loan, a 0.25% increase could add approximately $80 per month to repayments, depending on the loan term, interest rate and repayment type.
While that may not sound huge in isolation, rate rises can quickly add pressure to household budgets — especially when combined with cost-of-living increases.
Now is the time to ask:
🔍 Am I still on a competitive rate?
🏦 Is my loan structure still working for me?
💰 Could refinancing or repricing help?
📊 Am I using my offset or redraw effectively?

If you haven’t reviewed your home loan recently, now is a very good time.

📞 DM me or book a quick loan health check.

01/05/2026

Pre-Approval ≠ Formal Loan Approval

📌 Myth Busted! Just because you're pre-approved doesn't mean your home loan is locked in.

💰 Lenders still assess your finances before final approval.

❗ Avoid new debts, job changes, or big purchases during this period!

👉 Need a smooth approval process? Let's chat!

01/05/2026

What's Your Borrowing Power? 💡

🏦 Lenders look at more than just your income!
📊 Each lender has a unique way to calculate your maximum borrowing capacity.
💳 They assess your debts & credit score.
💰 They look at living expenses.
🏡 Deposit size matters.
👩‍💼 Employment stability and income type are key.
📲 Want a quick estimate?

Message me for a free borrowing power check!

21/04/2026

Dunga Derby - Car #119 Team TRU Are raising money for the 4th year with the Dunga Derby!

Salt Finance is a proud supporter of this incredible event, which helps raise vital funds for Sunshine Coast families and individuals facing life-limiting medical conditions or tough circumstances beyond their control.

It’s an amazing cause that truly makes a difference in our local community.

If you can, please jump on board and support by making a donation – every little bit counts 🙌

Sponsor shout out 🎉🎉 Sam from Salt Finance Australia should be everybody's go too for finance needs.. she makes every part of the finance process easy and with success 🙌🏿
Thanks Salt Finance for supporting us again this year .