Kellie Finney - Mortgage Broker

Kellie Finney - Mortgage Broker I'm passionate about finding you the most cost effective loan, tailored to your specific circumstances, all at no cost to you.

As a home property owner, it’s not only about finding the right loan but also the right person to work with. When you work with me, you will always receive professional and friendly service who will be with you on this journey for the life of the loan with annual reviews and to address any queries you may have. With so many lenders available, choosing the right home or investment loan may seem ove

rwhelming and confusing for the first time (or even the second time). From the comfort of your home or a place convenient to you, I can help you understand the different options, features of each product and how they can work best for you (and it doesn’t have to be within normal business hours). Let’s make the dream of home ownership/investment or commercial together as a team.

14/04/2026

Being self-employed shouldn’t stop you from owning property.
But yes, lending is different.

Here’s what we consider:
✅ Lenders that accept 1-year tax return and NOA
✅ Directors wages
✅ Alt-doc options like BAS and accountant letters
✅ Understanding your real business income
✅ How to avoid using pre-tax figures incorrectly

If your income fluctuates, we know which lenders see your real value.

13/04/2026

A family guarantor loan allows you to get into the property market sooner without waiting years to save for a deposit.

It works by using the equity in a parent’s home as security for part of your loan.

This structure can
✅ Remove or reduce the need for a deposit
✅ Avoid lenders mortgage insurance
✅ Allows you to start building equity in your own home

The reassurance for families?
👉🏻 As soon as you’ve built 20% equity in your own property, the guarantee is released.

With property values rising, this can often happen faster than saving a full deposit - meaning less time renting and more time building your own equity.

It’s about smart structure, clear boundaries and the right advice - so everyone is protected.

Curious if this option could work in your situation, send me a message to find out

25/03/2026

Big news for First Home Buyers — especially if you’re self‑employed. 🔥

ANZ is now participating in the 5% First Home Buyer Scheme, meaning you can get into a home sooner with a low deposit and no LMI. 🏠💙

And here’s the game‑changer…
ANZ also accepts 1 year of self‑employed financials, making them one of the most flexible big‑bank options for ABN clients. 📘✨

If you’ve been:
✔️ Self‑employed
✔️ Unsure if your income structure qualifies
✔️ Saving for a deposit
✔️ Feeling stuck renting

This could be your moment.

Let’s check your borrowing capacity under the new options?
Send me a message and I’ll run the numbers for you — no cost, no pressure. 💬
Let’s get you approved and moving 🏡✨

24/03/2026

Thinking about buying your first or next home?
You might be surprised by how much you can actually borrow. 🏠✨

Every lender treats income differently — and that can work in your favour. I can help you make the most of income like:

🏠 Casual employment
🏠 Bonuses
🏠 Allowances
🏠 Commission
🏠 Overtime
🏠 Centrelink payments (e.g. FTB, pensions)
🏠 Child support
🏠 Self‑employed income (1–2 years)
🏠 Director’s wages

First Home Buyers may also qualify for major government support, including:
✨ Stamp duty exemptions (depending on purchase price)
✨ The 5% low‑deposit Home Guarantee Scheme
✨ The new Help to Buy shared equity program

If you’ve been renting or unsure where you stand, now’s the perfect time to check your real borrowing capacity.
Let’s run the numbers and see what’s truly possible for you.

02/03/2026

💰 It’s more than just a deposit!

Before you sign on the dotted line, factor in:

🏠 Stamp duty and government transfer fees
📜 Legal & conveyancing fees
🛠️ Building & pest inspections
📈 Lenders Mortgage Insurance (LMI)
💡 Know your true budget before you start house hunting!

27/02/2026

If you’re ready to stop paying rent and start building your own future, let’s make it happen. 🔑

27/02/2026

Your bank won’t call you to offer a better interest rate. They want you to forget about your home loan.
But they will quietly offer one to attract a new customer 👀

And if no one is reviewing your loan each year, you could be missing out on some of the easiest savings available.

Banks don’t proactively offer annual rate reviews — but a good mortgage broker will (that’s my cue 🙋‍♀️)

If you haven’t reviewed your mortgage in the last 12 months, there’s a very real chance you’re paying more than you need to. And in this rate environment, that could mean thousands per year.

Loyalty doesn’t get rewarded in banking.
Negotiation does.

Your home loan is one of your biggest financial commitments. Let’s make sure you’re not paying more than you should be.

26/02/2026

Don’t make the mistake of buying your first home or refinancing your existing home loans without me!!

24/02/2026

💡 Mortgage Offsets Simplified

An offset account is like a savings account that’s linked to your home loan—and it can help you save big on interest. 🏡💰

Here’s how it works:
Say you have a $600,000 home loan.
You also have $20,000 in your offset account.
The bank only charges you interest on $580,000 ($600,000 - $20,000).

💸 Why it’s awesome:
Every dollar in your offset account reduces the amount of interest you pay.
The more you save, the faster you could pay off your loan!

Want to know if an offset account is right for you? Let’s chat and run the numbers! 💬

23/02/2026

Choosing an interest-only loan might seem like a way to reduce your repayments, but here’s the catch:

Interest-only loans can significantly REDUCE your borrowing capacity.

Here’s why:
Banks typically deduct the interest-only period from the loan term when calculating your borrowing power. For example, a 30-year loan with a 5-year interest-only period will be assessed as if it’s a 25-year loan.
This shorter loan term means higher theoretical repayments, which can limit the amount you’re allowed to borrow.

While interest-only loans can be beneficial in certain scenarios—like for investors seeking short-term cash flow flexibility—they’re not the right choice for everyone.

Thinking about this option? Let’s chat! I’ll help you navigate the pros and cons so you can make an informed decision.

23/02/2026

Interest Rates rising? Feeling the squeeze? 😮‍💨

If your home loan, car loan, personal loan and credit cards are all due at different times with different interest rates… it can get overwhelming fast.

Debt consolidation could help simplify your repayments into one manageable loan — potentially reducing stress and improving cash flow.

Important to know ⚠️
Consolidation isn’t a one size fits all solution. The right move depends on your debts, income, goals.

Don’t struggle in silence. Let’s review your options and create a plan that works for you. 💬🏡

Address

Level 1, 14-16 Suakin Street
Pymble, NSW
2073

Telephone

+61466520471

Website

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