Conlon Financial Solutions

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Australia
Perth, WA
Conlon Financial Solutions

Mobile Finance Broker, I have been in the finance industry since 2001. I know the best way to get your loan approved As such please welcome.

Hi my name is Abby Conlon,

I'm a mum to a beautiful 3rd old boy Harrison. Over the last 15 years I have been working as a lending specialist within Australian banking industry, assisting many people buying their first home, re-financing their home loans, assisting them with investment loans and providing competitive rates and solutions for their financial needs. Having Harrison around has given m

e the inspiration and confidence to make the jump into the broking area. Having a work/life balance whilst being able to give the best rate and service has been an ultimate goal of mine. Conlon Financial Solutions

Credit representative 491382 is authorised under Australian Credit Licence 389328 ABN 68 305 677 368
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product

02/09/2026

Borrowing more than 80% of the property value? You've probably heard of LMI, Lenders Mortgage Insurance, but here's what it actually does.

LMI protects the lender, not you, if you're unable to repay the loan. It's a one-off cost, usually added to your loan amount, and it can run into the thousands depending on your deposit size and the property price.

A few ways to avoid or reduce it:

A deposit of 20% or more skips it entirely
Certain professions (medical, legal, some others) get LMI waivers with some lenders
Government schemes like the First Home Guarantee can eliminate it even with a 5% deposit

It's one of those costs that catches people off guard if nobody mentions it early. Better to know now than at settlement.

Not sure if LMI applies to your situation? PM me for a chat.

01/09/2026

Been in your home a few years? You might be sitting on more equity than you realise, and it could fund your next reno.

Accessing equity means borrowing against the value your home has already gained, rather than saving up a separate cash pile from scratch.

A few things worth knowing:

Lenders typically let you access up to 80% of your home's value, minus what you still owe.
It can fund a renovation, a deposit on an investment property, or other big expenses.
The application process is similar to refinancing, since you're essentially increasing your loan.

Your equity is only useful if you know it's there. A quick check on where you stand costs nothing.

Curious what you might have available? PM me for a chat.

31/08/2026

Juggling a car loan, a couple of credit cards, and a personal loan all with different repayment dates?

Loan consolidation rolls multiple debts into a single loan, usually against your home loan, so you're left with one repayment instead of several.

What it can do for you:

One repayment date instead of five to keep track of
Often a lower overall interest rate than credit cards or personal loans
A clearer picture of exactly what you owe and when it's paid off

It's not the right move for everyone, but for the right situation it can turn a stressful juggling act into something genuinely manageable.

Feeling like your debts are getting hard to track? PM me for a chat.

30/08/2026

Thinking about refinancing? Timing matters more than people expect.

If you're still in a fixed-rate period, breaking early can come with a cost — the lender charges a break fee to cover the difference between your fixed rate and current rates.

Before you refinance, it's worth checking:
• Are you still inside a fixed term? What would the break cost actually be?
• Does the savings from a new rate outweigh that cost over time?
• Is your current lender willing to match the new rate first (often free to ask)?

Sometimes the maths says wait a few months. Sometimes it says switch now. It depends entirely on your numbers.

Want the actual figures for your situation? PM me for a chat.

Conlon Financial Solutions

29/08/2026

Fixed or variable — what if you didn't have to choose?

A split loan lets you divide your loan between fixed and variable, so you get a bit of both:

• The fixed portion gives you certainty on part of your repayments
• The variable portion keeps flexibility — extra repayments, offset, redraw
• You choose the split (50/50, 70/30, whatever suits you)

It's a genuinely underused option, and a good middle ground if you can't decide, or want to hedge against rate movements either way.

Curious whether a split would work for you? PM me for a chat.

Conlon Financial Solutions

28/08/2026

It's Scams Awareness Week, and settlement scams are one I want every home buyer to know about.

Here's how it usually plays out: a scammer intercepts an email thread between you, your conveyancer, or your bank, then sends you "updated" bank details right before settlement. The money you transfer goes straight to the scammer, not your lender.

Three steps that genuinely help:

Stop before transferring any large sum, especially if the account details have suddenly changed
Check by phoning your conveyancer or broker directly, using a number you already have, not one from the email
Protect yourself by confirming bank details verbally before every large payment, every time.

Scams can happen to anyone, and it's never a reflection of how careful or switched on you are. If something feels off during your settlement, call me before you transfer anything.

27/08/2026

"I'll just find the cheapest rate and switch."

Not quite — here are the mistakes I see most often from first home buyers:

❌ Getting pre-approval, then changing jobs or taking on new debt before settlement
❌ Not budgeting for stamp duty, conveyancing, and inspection costs on top of the deposit
❌ Focusing purely on the interest rate and ignoring fees, features, and flexibility
❌ Applying with multiple lenders at once, which can affect your credit file
❌ Not getting a building/pest inspection to save a few hundred dollars

Most of these are completely avoidable once you know they're coming.

Want a second set of eyes before you commit to anything? PM me for a chat.

Conlon Financial Solutions

26/08/2026

Another one that makes the job worth it 🙌

"Can't thank you enough Abby for helping with our loan consolidation! So difficult to find workable options being a small business owner but you went above and beyond our expectations to help get things sorted to make life SO much more manageable for us. You kept us in the loop the whole time and we really appreciate all the effort you put in. Highly recommend Abby's services!"

Being a small business owner adds a layer of complexity most lenders don't make easy, being kept in the loop and genuinely fought for shouldn't be the exception.

If your finances feel harder than they should, let's simplify them.

PM me for a chat.

Conlon Financial Solutions

25/08/2026

Self-employed and thinking about a home loan? Here's what's genuinely different for you:

• Most lenders want 2 years of financials, but a few will take your most recent tax return
• Fluctuating income gets assessed differently, consistency matters more than one great year
• Some lenders offer "low doc" options if your paperwork isn't perfectly tidy yet
• Business structure (sole trader vs company) can affect how your income is calculated

It's not that it's impossible, it's that the pathway looks different, and the right lender for an employee isn't always the right lender for you.

Running your own business and looking at finance? PM me for a chat.

Conlon Financial Solutions

24/08/2026

Thinking about your first investment property? A few basics that catch first-timers out:

• Lenders often assess investment loans a little differently than owner-occupied ones
• Rental income can count towards your borrowing power, but usually only a portion of it
• Interest-only periods are more common on investment loans, but they don't suit every strategy
• Your deposit requirements can differ from buying a home to live in

None of this means it's harder, it just means the numbers work differently, and it pays to structure it right from the start.

Exploring your first investment purchase? PM me for a chat.

Conlon Financial Solutions

Address

Leeming
Perth, WA
6110

Telephone

+61402908474

Website

http://www.conlonfinancialsolutions.com.au/

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