Kellie Finney - Mortgage Broker

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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 overwhelming 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.

08/10/2026

Buying a home comes with a lot of questions, and you should never feel silly asking them.

This review is exactly what I want every client to feel: supported, informed and never rushed.

Thank you for trusting me with such a big milestone.

Thinking about buying? Send me a message and let’s talk through your options!!




04/10/2026

You know me as the mortgage broker but behind this is a single mum teaching my kids what really matters!

What you don’t see is that every single day, I show up for my kids, no matter how I’m feeling. Tired, upset, or on top of the world, I’m there, doing my best to be the best mum I can be.

I’m a mum, teaching my kids to be kind, to be good humans, and to understand money early so they grow up feeling capable and independent.

That’s why I do this work. When someone sits across from me feeling lost about buying their first home, or starting over on their own, I get what it takes to keep showing up. And I want to help you feel confident in your next step.

If you needed to hear it today: showing up on the hard days counts, so be proud of yourself each and every day 🤍

02/10/2026

This is one of the most common questions I get:

“How much deposit do I need?”

The short answer?
👉 It depends.

There are several things we look at, including:
1️⃣ Government guarantee schemes
2️⃣ LMI waivers
3️⃣ Parental guarantors
4️⃣ Your maximum borrowing capacity
5️⃣ Your ideal purchase price
6️⃣ Whether you’re buying to live in the property or as an investment

As you can see, there’s no single deposit amount that works for everyone.

Want to know what your number looks like?

📅 Book a time in my calendar, link in bio.





01/10/2026

Reviews like this make my week! 😊

A big part of my job is the follow-up, the chasing and the keeping everyone on track so you don’t have to.

This client came to me with a loan application that had stalled for a month with another broker, the finance clause was fast approaching and she had no idea what was happening with the finance.

With the wider team on board (property advisor, solicitor and the lender) we got it across the line fast.
That’s the kind of service I want every client to feel, whether it’s a first home or a big investment move.

Ready to buy? Let’s chat.




23/09/2026

This is your sign that you’re not getting away that easily 👀🏃‍♀️

If you’re new here and thinking about buying your first home then congrats, you,ve officially hit my radar.

No pressure, no jargon, no chasing you down IRL, just a broker who genuinely loves helping people with their finance.

Come say hi. 👋





18/09/2026

Nobody can say for sure what the RBA will decide but there’s often a clue before the official announcement.

A few lenders have started lifting their fixed rates this week. Fixed rates often move ahead of the RBA, not after.
Lender’s pricing in what they expect, rather than reacting to what’s already happened.

Doesn’t mean panic. Just means it might be worth knowing where you stand before decision day rolls around.

Curious what this means for you? DM me and I’ll break it down, what a rate increase may look like repayment wise for you.

16/09/2026

Want to Give Your Credit Profile a Glow-Up?

Your credit score is a bit like your financial reputation.
And when it comes to applying for finance, a stronger credit profile can mean more lender options.

Here are a few ways to look after it:
✨ Pay on time - bills, loans and other commitments.
✨ Maintain employment stability where possible.
✨ Reduce credit card limits and balances and consider closing cards you no longer need.
✨ Be careful with new credit enquiries including BNPL, personal loans, car finance and multiple pre-approvals.
✨ Keep your accounts in the green, avoid exceeding limits or missing repayments.

A healthier credit profile can mean more options when it’s time to borrow.

Want to understand where you stand before applying?
DM me for a credit health check.

15/09/2026

“Why wouldn’t I just go to my bank directly?”

Fair question - I get it a lot. Here’s the honest answer: your bank can only offer you one thing. Their own products.

A broker’s job is to compare dozens of lenders, work out who’s actually going to say yes to your situation, and do it with one credit check instead of you shopping around and copping several.

It’s not about anyone being “better”, it’s just that a bank is selling you something, and I’m working for you.

If you’ve never had it explained to you before, that’s exactly why I made this 👆

Thinking about buying and not sure where to start comparing? Send me a DM, happy to walk you through it, no pressure 😊

14/09/2026

Buying Through a Company or Trust? Here’s the Bit Nobody Explains 👇

Here’s something most people don’t realise: only a handful of lenders will even look at a trading entity. The rest? Non-trading only. If you didn’t know that going in, it can throw your whole plan off.

If you’re a business owner, an investor, or just thinking long-term about asset protection, this one’s for you.

✅ Borrowing limits
Most lenders: up to 80% LVR without LMI
One lender: up to 85% LVR without LMI

✅ What lenders will actually accept
Non-trading entities - the standard
Dividend income from shares - often fine
Rental income from investment properties - often fine
Trading entities - rare, only a few lenders will consider it

✅ What you’ll need to have ready
A certified trust deed
A structure the lender is happy to review upfront
A bit of patience, rates can run a little higher for this type of lending

Broker tip: Getting the structure right from the start can save you time, money and stress later.

Thinking about buying property through a company or trust? Reach out and I can help you understand which lenders may suit your structure and what documentation you’ll need.

10/09/2026

How much can you borrow to purchase your first home?

This is what a single applicant earning $150k could possibly borrow using the First Loan Deposit Scheme 5% deposit.

Do you know how much you can borrow??Let’s run the numbers!!

Address

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

Telephone

+61466520471

Website

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