Teresa Kelleher - Finance Broker

Teresa Kelleher - Finance Broker 20+ years working in the finance industry. Diploma Finance & Mortgage Broking & Fellow Chartered Accountant.

Credit Rep #552956

I work for you, not the banks & my aim is to provide you with a prompt, transparent service with your best interest in mind. Bachelor of Commerce in Accounting & Small Business (Curtin University)
FCA (Fellowship Chartered Accountant) (Ireland)
Diploma in Finance & Mortgage Broking

26/08/2026

Buying a home together when one of you is an Australian citizen or permanent resident and the other is a foreign resident?

Your borrowing options may be different, and there could be additional requirements to consider.

Before you make an offer, it’s worth understanding how your residency status could affect your purchase.

Thinking about buying together? Let’s have a chat first to make sure, when the time comes, you have the right strategy in place. 🏡

25/08/2026

Buying your first home is exciting… but it can also feel overwhelming.

Before you start scrolling listings and attending home opens, talk to someone you know and trust.

Getting the right advice early can help you understand your borrowing power, what costs to prepare for and what options may be available to you — so when the right home comes along, you’re ready. 🏡

If you’re thinking about buying your first home, let’s have a chat.

24/08/2026

Buying a property from a family member? It’s not always as simple as agreeing on a price and signing a contract.

A purchase between related parties is known as a non-arm’s length transaction, and lenders may assess it differently to a standard property purchase.

There are some important rules, valuations and lender requirements to consider so if you're thinking about buying a property from family, get in touch before signing anything and let’s look at your options. 🏡

If you’re out and about looking at houses this week, you may have noticed there seem to be a lot more properties on the ...
21/08/2026

If you’re out and about looking at houses this week, you may have noticed there seem to be a lot more properties on the market. 🧐

For buyers, that could mean more choice, a little less pressure to rush, and potentially more room to negotiate. With more properties to consider, you may also have more time to find the home that’s the right fit for you and your budget. 🏠

Of course, every property and suburb is different, and well-priced homes can still attract plenty of interest. But if you’ve been waiting for more options to come onto the market, now could be a good time to start looking.👀

Thinking about buying? Get in touch and let’s have a chat about your borrowing capacity and what your options could look like. I offer free, no obligation consultations and appointments in person or online.

18/08/2026

THE PERTH PROPERTY MARKET IS SHIFTING 👀
→ More listings
→ More choice
→ Softer prices
→ Less competition
Could this be your buying window? Contact me to get your finance ready today 🏡
0493848665; [email protected]

30/07/2026

I'm sure the below news is going to cause a lot of concern for some people out there. So, how can you tell if your offset account is actually saving you interest?

It's easy! Simply log in to your internet banking and open your home loan details. Most lenders will show:
✔️ How much interest you've saved using your offset account.
✔️ Which offset account(s) are linked to your loan.
✔️ The option to add or remove eligible offset accounts (if your loan allows it).

If you're not seeing these details or you're unsure whether your offset is set up correctly, its worth giving your lender a quick call. A quick check today could save you money over the life of your loan.

Unsure how offsets work or what to know more? Don't hesitate to reach out to me today.

22/07/2026

You may have noticed I've been a little quiet on socials lately...

The reason? I'm on holidays! 🙌☀️

Am I still working? Of course! As a self-employed broker, the work never completely stops. But for the next week, I'm taking a mini holiday within my holiday and doing as little as possible. 🤷

Everyone deserves a chance to switch off and recharge, and it's my turn.

I'll still be available for any urgent deals that absolutely need my attention, but for everything else, I'll be back in touch next Wednesday.

Thanks for your patience while I take a well-earned break! 🫶

19/07/2026

Interest is money you'll never get back—so why pay more than you have to?

A simple refinance could mean:
✔️ Lower repayments
✔️ Paying less interest over the life of your loan
✔️ Paying off your mortgage sooner

The savings could help fund your next holiday, build your savings, or simply get you debt-free faster.

If you're wondering whether refinancing is actually worth it, I'll give you an honest assessment—no pressure, just clear advice on whether you could save and by how much. Get in touch today.

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Perth, WA

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