Veer Finance & Advisory, 196 Whatley Crescent, Perth (2026)

06/06/2026

A few weeks ago, we shared a story about a 21-year-old buying her first home.

Today, we want to share the other end of the spectrum.

Let's call him John.
John is 50 years old and recently bought his very first home.

When we first spoke, John had been talking to a company that was recommending a strategy involving withdrawing his super & moving it into community fund (that they managed), paying substantial setup fees, and using a combination of traditional lending and his super to make up the 20% deposit required for a property purchase.

When he sent us the proposal, the fees alone were close to $43,000. (professional & financial planner fees). John was actually about to pull the trigger until his friend told him to come and see us to get a second opinion!

It was clear that nobody had really taken the time to understand what John actually wanted!

So we took a step back.

Before discussing lenders, borrowing capacity or structures, we spent time understanding his goals, his lifestyle, and what he wanted the next 10 to 15 years of his life to look like.
John works in a rural mining community on a drive-in, drive-out basis. He has always enjoyed rural living, had no major commitments tying him to the city, and often spoke about wanting a quieter lifestyle.
Rather than trying to stretch him to the maximum borrowing capacity available, we worked backwards from what he was comfortable repaying and built a strategy around that. The result with repayments & current savings landed at a purchase price of under $400k.
He managed to find a home that suited his lifestyle, fitted comfortably within his budget, and gave him a realistic pathway to own his property outright within the next decade. And is 10 minutes away from work not 5 hours!

This was about creating a stepping stone.
A home he could enjoy today, build equity in over time, and potentially use to help fund his move back to the metro area when retirement eventually comes around in the next 10-15 years.

The best part wasn't the loan approval.
It was the message we received after he moved in.
"𝘐 𝘵𝘩𝘪𝘯𝘬 𝘐'𝘮 𝘴𝘵𝘪𝘭𝘭 𝘪𝘯 𝘴𝘩𝘰𝘤𝘬 𝘩𝘢𝘺. 𝘊𝘢𝘯'𝘵 𝘣𝘦𝘭𝘪𝘦𝘷𝘦 𝘐 𝘩𝘢𝘷𝘦 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘣𝘰𝘶𝘨𝘩𝘵 𝘢 𝘩𝘰𝘶𝘴𝘦 𝘭𝘰𝘭"

Since then, John has been sending us photos as he slowly turns an empty house into a home of his own.
The loan itself was very small by industry standards at $193k settled amount!
But we looked after John exactly the same way we would have looked after someone borrowing $1.93M.

And we're incredibly proud to have been part of John’s journey.

Whether you're 21 or 50, there is no "right" time to buy your first home.

🏡 Congratulations, John. We know it still feels surreal, and we couldn't be happier for you.

21/05/2026

The Federal Budget changes around negative gearing are already starting to flow through to lender policy, and this could have a significant impact on borrowing capacity moving forward.

We’re now seeing major lenders begin aligning their credit policies with the proposed Federal Budget changes.
Both Westpac Group and Macquarie Bank (MBL) have already circulated broker communications around how these changes may impact servicing assessments, investment lending policy, and customer guidance moving forward.
Macquarie is also currently working on updates to its servicing calculator to align with the proposed legislation.

Which means other lenders likely won’t be far behind.

What borrowers need to understand is this is no longer just a “tax” conversation.
This is now a lending and borrowing capacity conversation.

We’re already seeing increased focus around:
• Which investment properties qualify for negative gearing add-backs
• “New build” definitions
• Existing vs new investment debt
• Trust/company structures
• How rental losses are treated in servicing calculators
• Future servicing reassessment risk

Credit policy, lender calculators, and servicing models are already under review.

And like anything in lending, the devil is in the details.
The legislation is still evolving, lender interpretation will vary, and there will absolutely be opportunities where understanding policy properly allows borrowers and brokers to structure things more effectively or push back where appropriate.

The next 12–24 months could look very different for investors who understand these changes early versus those who don’t.

Strategic finance advice now matters more than ever around:
𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲.
𝗣𝗼𝗹𝗶𝗰𝘆 𝘀𝗲𝗹𝗲𝗰𝘁𝗶𝗼𝗻.
𝗦𝗲𝗿𝘃𝗶𝗰𝗶𝗻𝗴 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆.
𝗥𝗶𝘀𝗸 𝗺𝗶𝘁𝗶𝗴𝗮𝘁𝗶𝗼𝗻.

Chasing rate is yesterday’s conversation.

15/05/2026

One of the most rewarding parts of what we do is helping clients achieve milestones they genuinely didn’t think were possible yet.

Recently, we assisted a young couple purchase their first home, with Tara only just 21 years old.
In today’s market, that’s no small achievement.

What initially looked like a straightforward first home buyer transaction quickly became far more complex once we discovered the property itself was considered rural by lender policy, located approximately 3 hours outside Darwin, sitting on a very large parcel of land, with a dwelling type that wasn’t acceptable to every bank.
So we explored multiple structures and incentives available to them, including a family guarantee.

This is where the process became really interesting.

𝗧𝗵𝗿𝗼𝘂𝗴𝗵 many 𝗹𝗲n𝗱𝗲𝗿 𝗱𝗶𝘀𝗰𝘂𝘀𝘀𝗶𝗼𝗻𝘀, 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗿𝗲𝘃𝗶𝗲𝘄𝘀, 𝗮𝗻𝗱 𝗽𝗼𝗹𝗶𝗰𝘆 𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗼𝗻𝘀, 𝗯𝗼𝘁𝗵 𝘁𝗵𝗲 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝗮𝗻𝗱 𝗼𝘂𝗿𝘀𝗲𝗹𝘃𝗲𝘀 𝗹𝗲𝗮𝗿𝗻𝗲𝗱 𝘃𝗲𝗿𝘆 𝗾𝘂𝗶𝗰𝗸𝗹𝘆 𝘁𝗵𝗮𝘁 𝗲𝘃𝗲𝗿𝘆 𝗹𝗲𝗻𝗱𝗲𝗿 𝗮𝘀𝘀𝗲𝘀𝘀𝗲𝘀 𝗿𝗶𝘀𝗸 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗹𝘆.

𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁𝗶𝗻𝗴𝗹𝘆, 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘃𝗮𝗹𝘂𝗲𝗿 𝗮𝘁𝘁𝗲𝗻𝗱𝗲𝗱 𝗮𝗹𝗹 𝘁𝗵𝗿𝗲𝗲 𝗹𝗲𝗻𝗱𝗲𝗿 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻𝘀 𝗮𝗻𝗱 𝗹𝗮𝗿𝗴𝗲𝗹𝘆 𝗿𝗲𝘁𝘂𝗿𝗻𝗲𝗱 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗿𝗲𝗽𝗼𝗿𝘁 𝗲𝗮𝗰𝗵 𝘁𝗶𝗺𝗲 ….. 𝗵𝗼𝘄𝗲𝘃𝗲𝗿 𝘁𝗵𝗲 𝗼𝘂𝘁𝗰𝗼𝗺𝗲 𝘃𝗮𝗿𝗶𝗲𝗱 𝘀𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮𝗻𝘁𝗹𝘆 𝗱𝗲𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗼𝗻 𝗲𝗮𝗰𝗵 𝗯𝗮𝗻𝗸’𝘀 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗽𝗼𝗹𝗶𝗰𝘆 𝘄𝗼𝗿𝗱𝗶𝗻𝗴, 𝗿𝗶𝘀𝗸 𝗮𝗽𝗽𝗲𝘁𝗶𝘁𝗲, 𝗮𝗻𝗱 𝗶𝗻𝘁𝗲𝗿𝗽𝗿𝗲𝘁𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝘁𝘀𝗲𝗹𝗳.

After considerable restructuring, strategy discussions, and lender analysis, we were able to identify the lender best suited to the scenario and help make the purchase possible (rural, transportable dwelling, family guarantee)

Sometimes it’s about understanding policy, structure, risk, and knowing which bank’s door to knock on.

Congratulations again to our Tara & Sam on securing their first home on their dream block, an incredible achievement at 21 years old and the beginning of something super exciting.

08/05/2026

Mortgage demand is rising… even after multiple rate hikes.

That might surprise a few people.

New Equifax data (Q1 2026) shows mortgage demand is up 7.5% year‑on‑year, despite higher rates and cost‑of‑living pressure.

This is not a rush of new buyers.

What’s actually happening is:

• Fewer new borrowers entering the market
• More refinances and restructures
• Existing borrowers actively reshaping debt
• Larger average loan sizes
• Mortgage arrears not rising (in fact, slightly improving)

To Summarise:
Australians aren’t panicking , they’re adapting and actually thinking things through:

From a broker’s perspective, this is a strategy market, not a speed market.

👉 People who review their loans early are maintaining cash flow
👉 People who wait are the ones who get boxed in later
👉 The biggest risk isn’t rates , it’s inaction

If your loan hasn’t been reviewed in the last 12–18 months, you’re probably relying on a structure that no longer fits today’s reality.

This is where good advice matters: Not just chasing the lowest rate, but: • Structuring for cash flow
• Stress‑testing borrowing power
• Cleaning up non‑deductible or personal debt
• Planning before pressure forces your hand

Higher rates haven’t stopped borrowing, they’ve just separated proactive borrowers from reactive ones.

If you’re curious whether your current structure still makes sense in 2026, now’s the time to check …. before you HAVE to.

06/04/2026

𝗙𝗶𝘃𝗲 𝘆𝗲𝗮𝗿𝘀!! 🎉

I honestly can’t believe how fast that’s gone and to be honest, that we are still here.

When I first took the leap, it wasn’t about chasing something bigger. It was about finding fulfilment again, putting blood, sweat and tears into something we could build and stand behind, rather than being just another number in the corporate world… even without any guarantee it would work.

Business has always been second nature to me. From a young age, I’ve been drawn to it, surrounded by it, working alongside small business owners, and constantly wanting to understand how it works, how it grows, and what it takes to sustain it. That’s not changed, and it’s exactly why supporting small businesses and SMEs still means so much to us today.

Looking back, we wouldn’t be here without the people who backed us early, and the ones who’ve stayed with us along the way.

To our clients, especially those who trusted us from the beginning, and those who continue to come back, a BIG Thank You!!
To our referral partners, your support and belief in what we do has never gone unnoticed and means so much Karen and the team at Rappatoni accoutants, and to the team Benchmark Finance Group.
To LMG, and Todd Bateman who backed us from day one, that support mattered more than you probably realise.

And to our team now, what we’ve built goes far beyond just work. It’s a culture, a rhythm, and a group of people who genuinely care. That’s something I’m incredibly proud of.
Because the reality is, it wasn’t always like this.

It started with long days, late nights, and figuring things out as we went. Juggling a newborn, working around feeds and naps, taking calls wherever I could, even sitting in the car, engine running, baby napping, driving round picking up signed docs and begging family to babysit for a few hours just so I could take the meeting that might lead to a settlement.

There was no “perfect time”. it was just commitment and the grind!!

And somehow…. through all of that, we found our groove.

From where it started to where we are today, with an incredible team, strong partnerships, and people who continue to believe in us…….. I’m just really grateful.
And to Audrey Scheffler Mortgage Broker thank you for being part of this from the very beginning, so proud where you are now!!

Five years in, and it still feels like we’re just getting started.

22/03/2026

𝗧𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗵𝗶𝗻𝗴 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲’𝘀 𝘁𝗮𝗹𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁… 𝗯𝘂𝘁 𝗻𝗼𝘁 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝘀.
The Reserve Bank of Australia has increased rates again and for most homeowners, the impact is immediate.
Even a 0.25% rise adds up quickly in today’s environment (especially with fuel pushing $2.89/L).

𝗧𝗵𝗲 𝗿𝗲𝗮𝗹𝗶𝘁𝘆:
97% of new loans in Australia are variable
Most fixed rates last only 2–5 years
Meanwhile overseas?
Borrowers can lock in rates for 20–30 years, giving long-term certainty over repayments and lifestyle.

𝗜𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮, 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿𝘀 𝗮𝗿𝗲 𝘁𝗵𝗲 𝘀𝗵𝗼𝗰𝗸 𝗮𝗯𝘀𝗼𝗿𝗯𝗲𝗿𝘀 𝗼𝗳 𝘁𝗵𝗲 𝗲𝗰𝗼𝗻𝗼𝗺𝘆.
When rates rise → your repayments rise
When policy shifts → your cash flow shifts

𝗦𝗼 𝘄𝗵𝗮𝘁 𝗰𝗮𝗻 𝘆𝗼𝘂 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗱𝗼?
There’s no perfect loan only the right strategy based on your risk appetite, structure, and long-term plan.
In this environment, we’re seeing clients:
✔ Review their rate (loyalty doesn’t = best deal)
✔ Refinance where it makes sense
✔ Split loans (balance flexibility + certainty)
✔ Use offsets + structured repayments
✔ Get ahead of changes, not react to them
✔ Ignore world war 3 and don’t stock up on canned tuna

This isn’t about guessing rates.
It’s about structuring your lending so you’re in control regardless of what rates do next.

If your repayments have changed, or you’re unsure how exposed you are, let’s have a quick chat.

05/03/2026

This is the Porters — the family behind Williams Pharmacy.

We recently assisted them to purchase the freehold of their pharmacy, securing not just a building, but the long-term future of their business and the community they serve.

The previous owner didn’t just sell a property, they entrusted the Porters with the next chapter of something they had built. They recognised their vision, their commitment to the town, and gave them the opportunity to step forward as long term custodians. In small communities, that kind of trust and support means everything. Securing the freehold has made their structure stronger, more sustainable.

What makes this story even more meaningful?

They had been trading for less than six months.

On paper, some may see that as “too hard.”

We saw strong character, deep industry experience, clear capability, and genuine passion for their community.

That’s what we back.

This outcome was made possible through true partnership, client, bank and broker working in alignment. Thank you to NAB SME for backing the vision and supporting the strategy. The right support network makes all the difference.

We’ve always believed finance is about people, not transactions.

When you combine the right knowledge, experience and relationships, complex becomes achievable.

And communities are stronger for it.

13/02/2026

𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗶𝘀𝗻’𝘁 𝗮 𝗺𝗮𝗿𝗸𝗲𝘁𝗶𝗻𝗴 𝘄𝗼𝗿𝗱 𝗳𝗼𝗿 𝘂𝘀, 𝗶𝘁’𝘀 𝗵𝗼𝘄 𝘄𝗲 𝗼𝗽𝗲𝗿𝗮𝘁𝗲.

At Veer Finance, we talk a lot about supporting growth.

Not just in lending. In people.

We’re proud to introduce someone very close to our team … Taj Stanley, an emerging AFL talent and the son of our Customer Service Manager, Jhana.
Taj is disciplined, committed, and quietly determined . The kind of qualities that build long-term success, both on and off the field.

As a business, we’ve chosen to sponsor Taj because we believe in backing potential early.

The same way we back our clients.
The same way we back our team.

Strong businesses are built like strong families, with trust, support, and consistency.

And in a market where:
• rates shift constantly
• property prices fluctuate
• uncertainty creeps in

The noise gets louder.

What matters most is stability and the people around you.

We support our staff the same way we support our clients: with structure, long-term thinking, and clear strategy.

Markets move. Our fundamentals don’t.

Proud to stand behind Taj as he continues to develop his game.

05/02/2026

This wasn’t a big deal. And that’s exactly why it mattered.

Four years ago, we helped these clients buy their first home .... a small apartment in Darwin.
Not a big loan at all. Not flashy.
For some brokers, probably not worth the time.

For us, it mattered.

Over the years, we stayed in consistent contact, doing the right thing, regular 6–12 monthly loan reviews, checking in, and making sure their position kept improving.
No agenda. Just guidance.

That consistency built trust.
So when it came time to finance a new car, they didn’t go with the dealership , they came back to us.

Again, a small transaction. And we chose not to charge brokerage, because we understood their situation and what mattered to them.

Why?

Because relationships outlast transactions. Because loyalty is earned, not invoiced.
And because long-term trust will always matter more than short-term fees.

This is our WHY in practice.

This photo isn’t about a car.
It’s about trust and doing the right thing.

29/01/2026

✨ 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲 𝗶𝘀 𝗽𝗮𝗿𝘁 𝗼𝗳 𝗼𝘂𝗿 𝗪𝗛𝗬 ✨

Helping people, educating them, and creating real impact beyond just transactions and numbers is part of our 𝗣𝗨𝗥𝗣𝗢𝗦𝗘.

We’re excited to introduce someone who represents that.

𝗠𝗲𝗲𝘁 Ilaria (𝗮𝗸𝗮 𝗜𝗹𝗮) 👋
Before joining Veer Finance, Ila was and still is a venue manager at Chapels on Whatley. All she's ever known is hospitality, but she knew that role wasn’t her forever chapter. She wanted more. More growth. More challenge. More learning.
She’s now finished her diploma and has jumped into finance from the ground up and her role with us is simple (and big):
To learn everything. To absorb everything. To grow.

And honestly? It doesn’t even matter where this path eventually takes her.
The confidence she’ll build, the people she’ll meet, the skills she’ll develop, and the completely new world she’s stepping into..... that journey alone is the win.

At 𝗩𝗲𝗲𝗿, part of our 𝗪𝗛𝗬 isn’t just supporting clients, it’s also 𝗯𝗮𝗰𝗸𝗶𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲, 𝗴𝗶𝘃𝗶𝗻𝗴 𝘁𝗵𝗲𝗺 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀, 𝗮𝗻𝗱 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝘁𝗵𝗲𝗺 𝗯𝘂𝗶𝗹𝗱 𝗮 𝗳𝘂𝘁𝘂𝗿𝗲 𝘁𝗵𝗲𝘆’𝗿𝗲 𝗽𝗿𝗼𝘂𝗱 𝗼𝗳.

So… welcome to the team, Ila 🤍

We’re so excited to be part of your journey and to watch you grow which ever direction you decide to VEER to!!! 😜

Ilaria Crippa

Veer Finance & Advisory

06/06/2026

21/05/2026

15/05/2026

08/05/2026

06/04/2026

22/03/2026

05/03/2026

13/02/2026

05/02/2026

29/01/2026

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