Teresa Kelleher - Finance Broker

Website Contact the business

Teresa Kelleher - Finance Broker Personal advice. No pressure. Perth based. Appointments after hours, online or in person.

Helping you make sense of mortgages 🏡
First home buyers | Refinancing | Investing | Commercial | Asset
20+ years in finance | CA & Finance Broker

Plain English. Bachelor of Commerce in Accounting & Small Business (Curtin University)
FCA (Fellowship Chartered Accountant) (Ireland)
Diploma in Finance & Mortgage Broking

Waiting for house prices to drop? It might not be as simple as it sounds. 🏡If you’re already at your maximum borrowing c...
13/10/2026

Waiting for house prices to drop? It might not be as simple as it sounds. 🏡
If you’re already at your maximum borrowing capacity, you might be thinking:
"I’ll just wait until prices come down and then I’ll be able to afford more."
But what happens if, while you’re waiting:
📈 Interest rates increase
📉 Your borrowing capacity decreases
💰 H.E.M. increases (lender base line living expenses)
🏦 Lenders tighten their assessment criteria
You could end up with a cheaper property — but less borrowing power to buy it.
For example, a 5% drop in property prices doesn't necessarily help if your borrowing capacity falls by more than 5%.
The important thing is to look at the whole picture, rather than simply waiting for a particular price point.
📩 If you're currently at your borrowing limit and wondering whether to buy, wait or reassess your strategy, let's have a chat about your options.

12/10/2026

🏡 Did you know you might not need a deposit to buy a property from a family member?

If you’re buying a property from a family member for less than its market value, that difference could potentially be used as your deposit! 🙌

For example, if a property is valued at $900,000 but your family member agrees to sell it to you for $700,000, that $200,000 difference could be treated as gifted equity.

This can potentially help you get into the property market without needing years of savings behind you.

Of course, lender policies, borrowing capacity and your individual circumstances all matter, and you’ll still need to cover any applicable purchase costs.

Thinking of buying a property from family? Let's chat about your options!

11/10/2026

💰 Your savings could be costing you money!

If your savings account is earning less interest than the rate you’re paying on your mortgage, it’s worth asking yourself: why?

Putting your savings into an offset could help reduce the interest you pay on your home loan — while keeping your money accessible.

🏠 Not sure if an offset is right for you? As your mortgage broker, I can review your loan and savings and help you work out whether there’s a better way to structure your finances.

📩 Get in touch today to discuss your options.

11/10/2026

🏡 Could changing your mortgage repayment frequency save you money?

Did you know that switching from monthly to fortnightly repayments could help you pay off your mortgage sooner?

Here’s why! 👇

If your monthly repayment is $2,000, you might assume paying $1,000 fortnightly is exactly the same. But because there are 26 fortnights in a year, you’ll actually make the equivalent of 13 monthly repayments instead of 12!

That extra repayment each year can help reduce your loan balance faster and save you interest over the life of your loan.

💰 But here’s the flip side…

With the cost of living rising and interest rates putting pressure on household budgets, making extra repayments isn't always the right move for everyone. So if you are currently paying weekly or fortnightly and want to free up cash flow, changing to a monthly repayment could ease the pressure.

📩 Not every lender operates the same way so if you want to know what options could work best for you, get in touch.

09/10/2026

🏡 When was the last time you checked your mortgage rate?

With the recent RBA rate hike, it’s worth making sure you’re not paying more interest than you need to.

Your existing lender might not be offering you their most competitive rate, and loyalty doesn't always pay!

A quick review could help you identify opportunities to save — whether that’s negotiating with your current lender or looking at refinancing options.

📩 Send me a message and let's see if your mortgage is still working for you.

08/10/2026

With lenders now passing on the recent RBA rate rise, it’s important to be aware that your borrowing capacity may have decreased.

If you currently have a pre-approval, it’s a good idea to touch base with your broker to understand how the rate increase may impact your borrowing capacity and your plans to purchase.

Don’t assume your pre-approval is still the same — check before you make an offer! 🏠

💬 Have a pre-approval and not sure what the rate rise means for you? Get in touch and I can review your position and talk you through your options.

07/10/2026

🏠 Equity isn’t free money!

Your equity is the difference between what your property is worth and what you still owe on your mortgage.

It can be a useful tool when buying another property, renovating or investing — but remember, accessing your equity means borrowing more money and taking on additional debt. So you still need to have sufficient borrowing capacity.

Want to discuss further? Contact me today.

05/10/2026

📉 RBA rate hike = reduced borrowing power

With the recent RBA interest rate increase, borrowing power has taken another hit for many buyers.

But there are still ways you may be able to increase your borrowing power 👇

Here are some simple tips that could make a difference when it comes to your next home loan.

The RBA has increased rates again — but before you simply accept the higher repayment, there may be options.From refinan...
30/09/2026

The RBA has increased rates again — but before you simply accept the higher repayment, there may be options.

From refinancing and negotiating a better discount to reviewing your repayment frequency, loan term or loan structure, there are several ways you may be able to reduce the immediate impact.

The right option will depend on your individual circumstances.

If the latest rate rise has you wondering what you can do, send me a message and I’ll help you work through your options. 🏠💜

Address

Perth, WA

Website

Alerts

Be the first to know and let us send you an email when Teresa Kelleher - Finance Broker 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 Teresa Kelleher - Finance Broker:

Shortcuts

Sponsored

Share

Category