SCA Finance

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SCA Finance SCA Finance is your trusted mortgage broker with a mission to deliver the best possible service For your best Local Broker, look no further!

SCA Finance are your trusted mortgage broker with a mission to deliver the best possible outcome for our clients. Operated by Ashleigh & Andrew, we provide a very personalised approach to lending and truly care about our clients. Specialising in a range of services such as: home loans, home improvements, first home buyers, refinancing loans, investment loans, business loans, debt consolidation and car loans. Although we are based in Osborne Park, we service the following suburbs: Glendalough, Mount Hawthorn, Joondanna, Coolbinia, Yokine, Perth, Tuart Hill, Nollamara, Stirling, Doubleview, Wembley Downs, Churchlands, Woodlands, Nollamara, Innaloo and Herdsman and all surrounding suburbs.

16/10/2026

If you work in these 6 roles, banks treat your overtime completely differently:🕰️

1. Paramedics & Ambulance Officers
2. Nurses & Midwives
3. Doctors & Medical Specialists
4. Police Officers
5. Firefighters
6. Correctional Officers

Standard borrowers have their overtime slashed (shaded down to 80% or 50%) by lenders.

👩🏻‍⚕️If you work in emergency or essential services, banks treat your overtime as base pay assessing 100% of it, often with as little as 3 months of history.

💡100% Assessment means every dollar of shift loading and overtime counts toward borrowing power.✨

🏦If you’ve been with CBA, Westpac, ANZ, or NAB for years, chances are you’re overpaying on your mortgage right now.✨It’s...
14/10/2026

🏦If you’ve been with CBA, Westpac, ANZ, or NAB for years, chances are you’re overpaying on your mortgage right now.

✨It’s called the LOYALTY TAX. When banks reserve their sharpest interest rates to NEW customers, while loyal, existing borrowers are on higher default rates for the exact same loan.

👉Your bank won't automatically lower your rate just because you’re a loyal customer. You have to ask, or take your business elsewhere.

Ready to review your loan?
📩 Say hello at [email protected] and let’s get started.

Ready for your new home?🏡✨📩 Say hello at info@scafinance.com.au and let’s get started.
12/10/2026

Ready for your new home?🏡✨

📩 Say hello at [email protected] and let’s get started.

09/10/2026

🛑5 things that could ruin your borrowing power (that aren't your savings balance):👇

1️⃣ HECS/HELP: Reduces your take-home pay.
2️⃣ Afterpay/Zip Pay: Counts as open credit debt.
3️⃣ Gambling Transactions: A major red flag on 3 months of bank statements.🚩
4️⃣ Credit Limit: Judged on the limit, not the balance.
5️⃣ Employment type: Job probation or casual status can impact how lenders assess risk.

Ready to check your actual borrowing capacity?
📩 Say hello at [email protected] and let’s get started.

07/10/2026

Most first home buyers start their property journey on Domain or Realestate.com.au. 🏡✨

Here’s why scrolling listings is actually Step 3, not Step 1:

1️⃣ Step 1: Contact a broker to know your true borrowing capacity. (It’s rarely what an online calculator tells you.)
2️⃣ Step 2: Get your pre-approval locked in. (Know your real upper limit and repayments.)
3️⃣ Step 3: NOW is the time to scroll and check for listings.📱

When you look at properties before knowing your numbers, you risk falling in love with a place you can’t buy or missing out on an offer because you weren’t ready to act. Get your groundwork done first, then hunt with confidence! 💪

📩 Say hello at [email protected] and let’s get started.

📢This is your chance to win! ✨Be one of the 2 LUCKY WINNERS of a AUD$4,500 Luxury Escapes Gift Card valid for 3 years or...
06/10/2026

📢This is your chance to win!

✨Be one of the 2 LUCKY WINNERS of a AUD$4,500 Luxury Escapes Gift Card valid for 3 years or AUD$4,000 cash instead.

The prize can be used toward a wide range of experiences including:
🔴Hotel stays and holiday packages
🔴Flights, cruises, and guided tours
🔴Spa treatments
🔴Dining experiences
🔴Concerts, activities, and memorable getaways

Scan the QR code in the image or visit this link to ENTER the giveaway:
https://yourchancetowin.com.au/5f50e25c

Winners will be drawn on Thursday, 22 October 2026.

30/09/2026

You’re about to make one of the largest financial investments of your life. The last thing you should worry about is asking the "wrong" question.😊

At SCA Finance, we are always happy to answer your questions and make sure you understand the process every step of the way.

✨️Let’s turn those questions into confidence. Say hello at scafinance.com.au.

Nothing beats hearing feedback like this.✨ Big thanks to our clients for trusting SCA Finance!❤️📩 Say hello at info@scaf...
29/09/2026

Nothing beats hearing feedback like this.✨ Big thanks to our clients for trusting SCA Finance!❤️

📩 Say hello at [email protected] and let’s get started.

25/09/2026

🏡The market is changing...👇

In today’s Finance Friday Episode, Ash explains how the house-hunting strategy has changed from 6 months ago.

Watch till the end of the reel to find out if you still need a pre-approval before going to a home open!💡

24/09/2026

Equity > Upgrade 🏠📱 Tag a friend who needs this reminder.

Address

67 Howe Street
Osborne Park, WA
6017

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61892026825

Website

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