Lesa Villiotis Personal Home Lender

29/06/2026

🏡 Help to Buy 🏡
Looking to purchase your first home or get back into the property market?
The Australian Government's Help to Buy scheme may help eligible buyers purchase a home sooner by reducing the amount they need to borrow from the bank. If you have owned a property before but do not currently own a property, you may still be eligible, subject to the scheme criteria.
Some key things to know:
✅ Available to eligible Australian citizens only.
✅ Income caps apply.
✅ The current Sydney property price cap is $1.3 million.
✅ You will need to complete your 2025/26 Tax Return as soon as possible, as your Notice of Assessment is required during the assessment process.
✅ Places under the scheme are limited.
✅ The scheme is currently only available through two participating lenders, including Commonwealth Bank. Brokers are unable to access the scheme.
How does Help to Buy work?
🏠 For an existing property, the Government may contribute up to 30% of the purchase price.
🏠 For a new build, the Government may contribute up to 40% of the purchase price.
The Government's contribution is interest-free, helping reduce the amount you need to borrow from the bank. The Government retains an equity share in the property until that share is repaid or the property is sold.
For example, on a newly built property, the Government may contribute up to 40% of the purchase price. Your Commonwealth Bank home loan would then only need to cover the remaining amount plus any applicable costs, meaning your borrowing capacity is assessed on the loan you are actually required to repay.
This could mean:
✔️ Lower home loan repayments
✔️ Reduced borrowing requirements
✔️ A pathway into the property market sooner
If you're interested in finding out whether you may qualify for Help to Buy, I'd love to have a chat and review your options.
📞 Contact me today to discuss your eligibility and see if this government initiative could help you achieve your home ownership goals sooner.
Eligibility criteria, lending requirements, Government scheme conditions, income limits and property price caps apply. This information is general in nature and does not take into account your personal objectives, financial situation or needs.

24/03/2026

✨ Great night at the Twilight Business Catch‑Up! ✨

It was fantastic attending the Twilight Business Catch‑Up at Penrith Panthers last night. Always great to connect with some of our Penrith lenders and spend time with our manager, Ash.

Events like this remind me how valuable it is to collaborate, share insights, and stay connected with our local network. Looking forward to the next one!

17/03/2026

Good news - you don’t need a magic wand… just the Government’s 5% Deposit Scheme! ✨
If you’re curious about how to take advantage of the scheme (and skip the years of saving), hit the “Book an Appointment” link on my page.
Let’s have a quick phone chat and map out the fastest route to your new front door 🚪💨
Your homeownership journey might be closer than you think 😉

05/03/2026

🌟 Found your dream home but still selling your current one?
You’re not alone—this is one of the most common challenges buyers face in today’s market.
The good news?
You don’t have to navigate it alone. Whether you’re exploring bridging options, planning your timelines, or just need clarity on what’s possible, I’m here to help.
Any time. Any place.
If you’re juggling a purchase and a sale and want the process to feel smoother and less stressful, reach out—let’s chat about the best path forward for you.
📧 [email protected]
📱 0459 893 613

Book time with Lesa Villiotis: Home Loan Appointment

14/02/2026

Please feel free to contacted me to review any home lending needs. 0459893613. [email protected]

09/12/2025

Australian Government’s Help to Buy Scheme - What You Need to Know
As a Home Lending Specialist with Commonwealth Bank, I wanted to share some exciting news: the Help to Buy scheme is now live, and CBA is one of only two lenders in Australia offering access.
Here’s the lowdown:
✅ Government contribution: Up to 30% for existing homes, 40% for new builds
✅ Deposit: As little as 2%
✅ Income caps: $100k for individuals, $160k for couples or single parents
✅ Property price caps: Vary by location (e.g., $1.3M in Sydney, $950k in Melbourne)
✅ No rent or interest on the government’s share-just repay when you sell or buy back
Important tip: This scheme is not available through brokers. If you want in, you’ll need to go directly through an eligible lender like CBA.
Thinking about taking advantage of this opportunity? Let’s have a chat-I’d love to run some numbers for you and see if this could work for your situation.
Contact me anytime:
📧 Email: [email protected]
📞 Phone: 0459 893 613

Commonwealth Bank

Send a message to learn more

30/07/2025

Last weekend, Deanna Larsen and I had an amazing time hosting a Home Loan Pop-Up Store at Richmond Marketplace! 🎉 It was a fantastic opportunity to connect with the community and share valuable insights about home loans and the exciting options available.

We were thrilled to meet so many wonderful people and help answer questions about home buying, refinancing, and everything in between. 🏡💡 Whether you're a first-time buyer or looking to invest, we were there to guide you through the process.

A big thank you to everyone who stopped by to chat with us! Feel free to reach out anytime for personalized advice and support.

Looking forward to more events like this in the future. Stay tuned for updates! 😊
Lesa Villiotis: Senior Home Lender CBA
0459 893 613
[email protected]

30/07/2025

Today I was proud to receive a Commbank Values Award – a recognition that truly means a lot to me.

At CBA living our values isn’t just about the big wins, but about showing up every day with integrity, empathy, and commitment to our customers and colleagues. I’m lucky to work with an incredible team that brings these values to life – and inspires me to do the same.
Commonwealth Bank

24/07/2025

📣 Come and See Us at Marketplace Richmond!

We’ll be at Marketplace Richmond NSW tomorrow and over the weekend, and we’d love to have a chat!

✅ Have a home loan and wondering what CBA can offer you?
✅ Thinking about buying your first home or an investment property?

Come down and speak with us – we’re here to answer your questions and help you explore your options.

📍 Where: Marketplace Richmond
📅 When: Tomorrow & all weekend

Let’s talk about how we can make your goals happen!