Cashmore Finance

Home
Australia
Perth, WA
Cashmore Finance

Passionate Finance Broker who is professional, reliable and delivers a stress free experience for clients. CR567241
ACL389328

Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

13/11/2025

I’ve been very slack on the socials but I’ve been very busy helping a lot of amazing clients ⭐️

09/09/2025

A fixed rate home loan allows you to set your interest rate for a period of time.
Fixing your interest rate can be a suitable option for some people, however you should always discuss this with your broker.

What’s good about fixed rate home loans?

* During times of low interest rates, locking in a fixed rate could work to your advantage, because you can retain a low rate for a fixed term even if the rates rise steeply. Depending on the lender and the current interest rate, this could potentially lower your repayments and the total interest paid over the loan term.
* You know exactly how much your repayments will be during your fixed rate term, which can make budgeting easier.

Things to consider

* Less Flexibility. Fixed rate loans usually do not have the same flexibility that a variable rate loan provides. For example, you may not be able to make extra repayments and un turn redraw the extra amount paid into the loan. Some lenders do allow extra repayments to be made but will restrict the extra amount that can be paid during the fixed term or on an annual basis.
* No offset facilities. Most lenders will not allow you to have an offset account with a fixed rate loan so there is no opportunity to save on interest. Where offset facilities are available, they will usually only be available on a partial basis, with a 100% offset account being available through some lenders only.
* Break costs. The decision to break your fixed rate loan is entirely up to you however a break cost may be applicable. Break costs may apply if:
* you want to exit before the end of the fixed term.
* you prepay part of or your entire loan before the end of your fixed rate period
* you switch to another product, interest rate or payment type before the end of your fixed rate period.
* you want to end the loan as part of selling the property.

▪️Your decision whether to fix the interest rate on your loan should be based on your own circumstances, with your future in mind.▪️

28/08/2025

Repeat clients mean more than you can imagine ⭐️⭐️⭐️⭐️⭐️

Congrats on the new purchase 🏡

26/08/2025

Attention First Home Buyers!

Unlimited places, higher property price caps for first home buyers from 1 October 2025!

The Australian Government will be expanding the Home Guarantee Scheme with unlimited places and increased property price caps to help more Australians to buy their first home🙂

From 1 October 2025, the Scheme will remove limits to the number of Government guarantees available, giving all Australian first home buyers the chance to enter the market with a deposit of as little as 5% and avoid Lenders Mortgage Insurance.

What’s changing from 1 October 2025?

* No place limits: all Australian first home buyers who have saved a 5% deposit can apply.
* No income caps: first home buyers with higher incomes can access the Scheme.
* Higher property price caps: to help home buyers where property prices have increased.
* Simpler access in regional areas: Regional First Home Buyer Guarantee will be replaced by the First Home Guarantee.

In WA the market is extremely competitive and this is before the above changes come into play!

Please reach out early to discuss if the above works for you✔️

21/05/2025

Repeat clients are the best! ⭐️⭐️⭐️⭐️⭐️

20/05/2025

Reserve bank has dropped the cash rate by 0.25% 🥳

Second reduction this year!

Majority of lenders are expected to pass on this reduction however please contact your individual lender/bank to confirm in the coming days.

14/05/2025

A settlement agent (also called a conveyancer in most states) plays a critical role in the legal transfer of property ownership from the seller to the buyer. Their job is to ensure the settlement process is smooth, accurate, and legally compliant.

What a Settlement Agent Does:

▪️Prepares and Reviews Legal Documents

▪️Conducts Title and Property Searches

▪️Coordinates with Banks and Other Parties

▪️Calculates Settlement

▪️Attends/coordinates settlement

▪️Lodges Transfer with Land Titles Office

05/05/2025

⭐️⭐️⭐️⭐️⭐️

04/05/2025

Obviously the biggest factor that impacts your borrowing capacity is how much income you earn💰

Some other key factors that are taken into consideration when calculating your borrowing capacity are 👇

▪️Living expenses
▪️Existing debts like home loans, credit cards and personal loans
▪️HECS/Help debts
▪️Afterpay/Zippay (often something people forget about)
▪️Number of dependents

If you need help calculating your borrowing capacity feel free to reach out to discuss.

22/04/2025

Are you ready to start house shopping?

Benefits of having your pre-approval in place👇

▪️Know your budget upfront

▪️Be in a position to negotiate harder

▪️Shop with confidence

17/04/2025

Changing your repayments to weekly means you pay less interest overall🤯

Interest is usually calculated daily. Making more frequent payments (weekly vs. monthly) means your principal gets reduced more often, so there’s less interest accumulating between payments. Over the life of the loan, this can save you money✔️

Address

Perth, WA

Website

http://www.cashmorefinance.com.au/

Alerts

Be the first to know and let us send you an email when Cashmore Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Cashmore Finance:

Shortcuts

Featured

Nashi Finance

Want your business to be the top-listed Finance Company in Perth?