Next Chapter Financial Group - Mortgage Brokers Geelong

29/05/2026

Guarantor loans have a misconception that it costs parents. The team at next chapter have never heard of one going wrong. Help your kids with their next chapter today.

22/04/2026

Being a guarantor can help your family achieve their next chapter faster. Most people don’t realise how much the guarantor covers - it’s usually the difference between their deposit and 20% plus costs but can save them thousands on LMI. Speak to the next chapter team today.

22/04/2026

26/03/2026

17/03/2026

RBA has just announced rates lifting to 4.10%.
The cash rate has increased by another 0.25%, responding to inflation pressures and surging fuel costs.
For households and investors, this means higher borrowing costs. Want to know how this rate rise will impact your repayments? Send us a message

12/03/2026

First home buyers looking to get into the market? Here are some simple tips on how the FHB government scheme works

08/03/2026

Meet Sophie Osmond – Mortgage Broker & Finance Partner
With a career spanning banking, chartered accounting, and senior finance leadership, Sophie brings a depth of experience that few mortgage brokers can offer. Having worked across banking, including being involved in the setup of a bank, Sophie has an insider’s understanding of how lending decisions are made and what lenders really look for.
Before moving into mortgage broking, Sophie spent many years working as an accountant and Financial Controller for small and medium‑sized businesses. Sitting inside businesses, not just advising from the outside, gave her first‑hand experience of the pressures business owners face — managing cash flow, supporting growth, and making financial decisions that affect both the business and the people behind it.
Now as a mortgage broker and finance partner, Sophie combines her banking knowledge with real‑world business experience to help clients navigate home loans, investments, and business finance with clarity and confidence. She takes the time to understand her clients’ goals, challenges, and future plans, so the solutions she provides are practical, strategic, and genuinely aligned with where they want to go.
Building long‑term relationships and being a trusted part of her clients’ financial journey is what Sophie enjoys most, and she’s excited to be supporting clients in Geelong and beyond as they move into their next chapter.

05/03/2026

Most banks are happy to cash out for non structural renovations meaning you can get your new bathroom today!

15/09/2025

As a mortgage broker, my job is to make the process simpler, clearer, and tailored to you. Instead of spending hours comparing lenders, rates, and loan features, I do the research and negotiate on your behalf—saving you time, stress, and often money.

✔ Access to multiple lenders and loan options
✔ Guidance through every step of the process
✔ Support even after your loan has settled

Whether you’re looking to take your first step onto the property ladder, reduce repayments, or grow your investment portfolio, I’m here to help you find the right finance solution for your goals.

📩 Send me a message today to chat about your options—no obligation, just a friendly conversation about what’s possible.

03/09/2025

Guarantor loans are your way into the market today as opposed to years down the track. It is a great way for First Home Buyers to get into the property market for the following reasons:

- No LMI - can save you 20-30k alone.
- No Deposit needed as the guarantor's equity covers the 20% (LMI territory)
- Thus, keeping your cash in your pocket for furnishings, renovations, moving costs etc.
- Allows you to buy in the market now as opposed to saving up for a deposit that can take you years to obtain.

And once that property grows in value the Guarantor to the loan can simply drop off loan - releasing them from the deal.

Let's get you in the market today!

Reach out for free consultation to scope your options. 🔑