First Steps Financial - Mortgage Broking and Financial Education

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First Steps Financial - Mortgage Broking and Financial Education

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Approachable mortgage broking and financial education, with access to over 50 lenders, helping you understand your options and move forward with confidence.

03/11/2026

RBA INCREASES CASH RATE TO 4.85% — AN 18-YEAR HIGH

The Reserve Bank of Australia has today announced a further 0.25 percentage point increase to the official cash rate, bringing it to 4.85%.

This marks the fifth interest rate increase in 2026, with the cumulative impact placing additional pressure on household budgets.

What does this mean for mortgage holders?

According to Canstar, the combined impact of the five increases could result in additional monthly repayments of approximately:

• $456 per month on a $600,000 loan

• $607 per month on an $800,000 loan

• $759 per month on a $1 million loan

For many households, this represents a substantial increase in mortgage costs over the course of the year.

Now may be an appropriate time to review your home loan.

Whether you've been with your current lender for several years or have recently taken out a mortgage, it's worth understanding whether your interest rate remains competitive and whether your loan structure continues to suit your circumstances.

Refinancing isn't always the answer, but reviewing your options can help you make informed financial decisions.

📩 Get in touch if you'd like to arrange a home loan review.

Elle | First Steps Financial
www.firststepsfinancial.com.au

Source: Canstar repayment estimates, based on a principal and interest loan with 25 years remaining at the beginning of 2026 and assuming lenders pass on the increases in full. Actual repayments will vary.

02/11/2026

Halloween is over… but the mortgage frights might just be beginning!

Some of the real frights are happening in the finance world! 😱

🏚️ Finance declined? Sometimes a 'no' from one lender doesn't mean a 'no' from them all.

💸 Repayments getting scary? Your current home loan might be worth reviewing.

🕸️ Stuck with your lender? When was the last time you checked whether your interest rate was still competitive?

👻 Buying a home? Don't let unexpected borrowing limits or lending conditions catch you off guard.

I'm seeing firsthand how challenging securing finance can be for some borrowers, particularly in the current property market.

But here's the thing… your mortgage shouldn't be a horror story!

As a mortgage broker, I can help you explore your options, understand lender requirements and navigate the process with a little less fright.

💬 Got a mortgage fright? Send me a message. Let's see what options are available!

27/10/2026

🏡 When was the last time you reviewed your home loan?

Interest rates change, circumstances change, and the home loan that suited you a few years ago might not be the best fit today.

Whether you're wondering if your interest rate is still competitive, considering renovations, looking to access equity or simply wanting to explore your options, it could be worth having a conversation.

Hi, I'm Elle from First Steps Financial, a local mortgage broker based in Morley, helping clients across Perth.

With over 12 years of experience in financial planning, I believe in taking the time to listen, understand your circumstances and genuinely work hard to help you find a lending solution that suits your needs.

Sometimes a fresh set of eyes is all you need to understand where you stand.

💬 Thinking it might be time for a home loan review? I'd love to have a chat!

First Steps Financial
📞 0409 311 308
🌐 www.firststepsfinancial.com.au

26/10/2026

A little behind the business… Meet Elle!

After more than 12 years working in financial planning, I made the decision to sell my business and spend more time with my young family.

But one thing I knew I wasn't ready to walk away from was my passion for helping people feel more confident about their finances.

Throughout my career, I've been fortunate enough to receive recognition within the finance industry, including being named Financial Planner/Adviser of the Year at the 2017 Women in Finance Awards and, more recently, a 2026 Entrepreneur of the Year finalist.

Alongside running my business, I also have the privilege of tutoring and assessing the next generation of financial professionals, something I find incredibly rewarding.

But beyond the qualifications, awards and experience, what matters most to me is the difference I can make for the people I work with.

That's why I created First Steps Financial.

What began with a focus on financial education has since grown to include mortgage broking, allowing me to support people through another important part of their financial journey.

💗 My promise to you is simple.

I'll take the time to understand your circumstances, explain your options clearly, genuinely work hard on your behalf and always strive to put your interests first.

Whether you're taking your first steps towards understanding your finances, purchasing your first home or exploring your next lending opportunity, I want you to feel informed, supported and confident throughout the process.

Because to me, it's not just about finance. It's about the people behind the numbers.

✨ Want to know more?

Visit 🌐 www.firststepsfinancial.com.au to learn more about how I can help.

Education. Lending. Confidence.

20/10/2026

🚗 CAR FINANCE SETTLED! 🎉

Another happy client ready to hit the road!

At First Steps Financial, it's not just about home loans. I also assist clients with vehicle and asset finance, helping them explore suitable lending options for their personal or business needs.

Whether you're purchasing a new or used car, upgrading your vehicle or looking at finance for your business, I can help you navigate the options and make the process as straightforward as possible.

If you're considering your next vehicle purchase, get in touch to discuss your finance options.

📍 First Steps Financial | Morley & Swan Valley
🌐 www.firststepsfinancial.com.au

18/10/2026

🏡💰 Could your mortgage be costing you more than it needs to?

With the cost of living continuing to put pressure on household budgets, it's worth taking the time to make sure your home loan is still working for you.

A complimentary home loan health check could help identify opportunities to:

✅ Review your current interest rate and repayments
✅ Explore potentially more competitive loan options
✅ Consider consolidating existing debts
✅ Review your loan features, fees and structure
✅ Identify potential savings over the life of your loan

Even if you're happy with your current lender, it never hurts to understand what other options may be available.

💡 A healthier home loan could mean more money in your pocket!

📩 Get in touch to arrange your complimentary home loan health check. Let's see whether your mortgage could be working harder for you.

📍 First Steps Financial | Morley & Swan Valley
🌐 www.firststepsfinancial.com.au

15/10/2026

🏡 You've saved your deposit… but have you budgeted for everything else?

When buying a home, your deposit is only part of the picture! There are other upfront costs that can quickly add up.

💰 Transfer duty (stamp duty)
📝 Conveyancing & settlement fees
🔍 Building & pest inspections
🏦 Lenders Mortgage Insurance (LMI), if applicable
📋 Loan & government fees
🚚 Moving & setup costs

💡 Let's put it into perspective!

Buying a $700,000 property in WA could mean approximately:

🏠 $27,265 in transfer duty for a standard buyer

🏠 $16,150 for an eligible first-home buyer

That's a potential saving of $11,115!

🔗 Want to estimate your costs?

WA Transfer Duty Calculator:
https://www.wa.gov.au/service/financial-management/taxation-and-duty/calculate-your-transfer-duty

Mortgage Repayment Calculator:
https://moneysmart.gov.au/home-loans/mortgage-calculator

✨ The takeaway? Having enough for your deposit doesn't always mean you have enough to purchase.

At First Steps Financial, I help buyers understand the full picture so they can plan and purchase with confidence.

📩 Thinking about buying? Let's chat!

Transfer duty figures are indicative and subject to eligibility, applicable rates and concessions.

14/10/2026

Financial goals are one thing. Knowing how to achieve them is another!

Another great financial education meeting this week, with a focus on setting short, medium and long-term financial goals and understanding the steps needed to work towards them.

Whether it's saving for a home, reducing debt, building wealth or planning for retirement, having a clear picture of what you want to achieve can make all the difference.

One of the things I love most about financial education is helping people take a step back, look at their current financial position and explore what's possible.

It's not about having all the answers today. It's about building the knowledge, confidence and understanding to make informed decisions for the future.

Small steps today can make a big difference tomorrow.

📍 First Steps Financial | Morley & Swan Valley

If you'd like to spend some time working through your own financial goals, get in touch to book a one-on-one financial education session.

12/10/2026

📈 Interested in investing but not sure where to start?

Have you always wanted to learn more about investing, the different options available and how it all actually works?

You're not alone!

With so many options out there! Shares, ETFs, managed funds, property and superannuation, knowing where to begin can feel overwhelming.

But investing doesn't have to be complicated, and you don't need thousands of dollars just to start learning.

💡 At First Steps Financial, our Investing & Super Basics education sessions can help you understand:

✔️ The different types of investments and how they work

✔️ Shares, ETFs and managed funds, what's the difference?

✔️ Risk versus return and why it matters

✔️ The power of compound growth and investing over time

✔️ How superannuation fits into the bigger picture

✔️ Important concepts to understand before making investment decisions

You don't need to become an investment expert. You just need somewhere to start.

With over 18 years of experience in financial planning and wealth management, I'm passionate about making financial concepts easier to understand, without the complicated jargon.

Whether you're completely new to investing or simply want to build your knowledge and confidence, I'd love to help.

📍 First Steps Financial | 3/141 Russell Street, Morley

🌐 www.firststepsfinancial.com.au

Education. Lending. Confidence.

General financial education only. No personal financial advice or investment recommendations are provided.

11/10/2026

Did you know a Will isn't always the final word?

More great conversations this week, with one in particular highlighting the importance of understanding your rights and knowing when to seek professional guidance.

In certain circumstances, a Will may be challenged, but many people may not realise there are options worth exploring.

One of the things I love about financial education is that it's not always about having all the answers. Sometimes it's about asking the right questions, creating awareness and helping people understand where to turn next.

It's always a good feeling to be able to point someone in the right direction when further professional advice is needed.

Financial education goes well beyond budgeting, superannuation and investing. It's about building knowledge, understanding your options and feeling more confident about financial matters.

Sometimes one conversation can make all the difference.

📍 First Steps Financial | Morley
🌐 www.firststepsfinancial.com.au

General financial education only. Legal matters should be discussed with a qualified legal professional.

Address

Perth, WA

Website

http://www.firststepsfinancial.com.au/, https://www.instagram.com/first.steps.financial/

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