Audra McElwee Finance Broker - Regional Finance Solutions

Audra McElwee Finance Broker - Regional Finance Solutions I work closely with homebuyers, investors, and refinancers to find the right loan.

With access to a wide panel of lenders and passion for helping people achieve their property goals, I can make the mortgage process clear, simple, and stress-free.

The first home deposit hurdle is smaller than you think. The magic number isn't always 20%. One of the biggest myths st...
30/06/2026

The first home deposit hurdle is smaller than you think.
The magic number isn't always 20%.
One of the biggest myths stopping first home buyers is the belief you need a 20% deposit before you can even think about buying.
You don't.
There are several ways into the market with a lot less.
5% deposit - via the Government's First Home Guarantee Scheme (with no Lenders Mortgage Insurance)
2% deposit - for eligible single parents via the Family Home Guarantee
Family Pledge Loan - where your parents' equity substitutes for part of your deposit.
The 20% figure exists because it's the threshold that avoids Lenders Mortgage Insurance (LMI). A cost that protects the lender, not you, and can add thousands to your loan.
But with the right structure, you can avoid LMI without a 20% deposit.
The key word is structure.
The deposit is just one piece.
How the loan is put together matters just as much.
At Regional Finance, we have first home loan experts happy to guide you through your options and find the right path for your situation.
It's worth a conversation.
The small print: This is for information purposes only and does not take into account your personal situation or circumstances. Regional Finance Solutions Pty Ltd trading as Regional Finance, Australian Credit Licence 484980.
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Thinking about buying an investment property?The right loan structure can make a significant difference to your long-ter...
23/06/2026

Thinking about buying an investment property?
The right loan structure can make a significant difference to your long-term investment strategy.
Whether you're purchasing your first investment property or looking to grow your portfolio, our experienced team can help you compare options from a wide range of lenders and guide you through the process from application to settlement.
Compare multiple lenders
Tailored lending solutions
Personalised service
Experienced finance specialists
Don't spend weekends researching lenders and loan products. Let us do the legwork for you.
Call Audra 0456 636 277 today
Or send me a message for an obligation-free discussion about your investment lending options.
Your next property investment could be closer than you think.
Regional Finance – There is a better way.

The banks can be a great place to get a loan — if you tick all the boxes. 🏦 But those boxes are tight and rigid.They clo...
20/04/2026

The banks can be a great place to get a loan — if you tick all the boxes. 🏦 But those boxes are tight and rigid.
They closely review your personal (and business) spending:
UberEats? 🍔 Not ideal.
Streaming subscriptions? 📺 Questionable.
Outstanding debts? ⚠️ Concern raised.
Missed a payment? 🚨 That’s a red flag.
If you fit neatly within their criteria, you’re often fast-tracked. Simple and efficient. ✅
But for many people, life isn’t that straightforward.
If you’re self-employed,
if you’ve had credit challenges in the past,
if you run your own business,
or if you’re navigating blended families and complex finances… 👨‍👩‍👧‍👦
These aren’t issues — but for increasingly automated, algorithm-driven lending systems, they can create unnecessary barriers.
You may be declined, delayed, or lost in a review queue. ⏳
That’s why, with the largest lending panel in the country and access to a wide range of flexible lenders, Regional Finance continues to help more people find a way forward. 🔑
If you’re not getting the service or lending options you deserve, get in touch. I'm happy to help. 🤝
https://www.regfin.com.au
[email protected]

16/04/2026

Interest rates are rising — but that doesn’t mean you’re out of options. 📈🏡
If your repayments have gone up, you’re not alone. Many homeowners are feeling the pressure right now… but the biggest mistake you can make is doing nothing.
A good mortgage broker doesn’t just find you a loan — they help you navigate changes like this.
Here’s how I can help 👇
✅ Review your current loan and rate
✅ Refinance to a more competitive option
✅ Restructure your loan to reduce repayments
✅ Access equity if you need financial breathing room
✅ Explore lenders that may suit your situation better
Every lender treats rate increases differently — which means there may be opportunities you’re not aware of.
Don’t just absorb the increase and hope for the best. Let’s make sure your loan is still working for you, not against you.
📩 Reach out for a quick review — no pressure, just clarity.

The most expensive mistake in home loans isn’t the interest rate — it’s the finance options your broker doesn’t have acc...
15/04/2026

The most expensive mistake in home loans isn’t the interest rate — it’s the finance options your broker doesn’t have access to 💡
You don’t know what you’re not being shown 👀
At Regional Finance, we have one of the largest lending panels in the country 🏦, giving us more options and more opportunities to say YES ✅

Thinking about buying your first home but don’t have a 20% deposit?In 2025, there are real options that can help you get...
14/10/2025

Thinking about buying your first home but don’t have a 20% deposit?
In 2025, there are real options that can help you get into the market sooner - some with as little as 5% saved.
From government guarantees to family support and flexible lenders, here’s what you need to know:
https://www.regfin.com.au/.../how-to-buy-your-first-home...
Buying your first home might be closer than you think.
Regional Finance Solutions – Helping first-home buyers take the next step Audra McElwee Finance Broker - Regional Finance Solutions

Buying with Less Than 20% Deposit? Here's What You Need to Know About LMI in 2025Lender’s Mortgage Insurance (LMI) can a...
04/09/2025

Buying with Less Than 20% Deposit? Here's What You Need to Know About LMI in 2025
Lender’s Mortgage Insurance (LMI) can add thousands to your home loan - but it’s not always unavoidable. In our latest article, we break down when LMI applies, how you can reduce or avoid it, and what today’s lending conditions mean for borrowers.
If you're a first home buyer or navigating a low-deposit loan, this guide is a must-read.
Read more: https://regfin.com.au/.../avoiding-or-reducing-lmi-in...
Need help finding the right loan strategy?
Speak with our experienced team today and take the next step toward your property goals.
Phone: 0456 636 277
Email: [email protected]

07/08/2025

🎉 The countdown is on! 🎉
We’re so excited to welcome our amazing delegates, presenters, and partners to the RFS Annual Conference in beautiful Newcastle next week! 🏖️✨
As we come together to connect, learn, and celebrate the incredible work happening across our network.
Get ready for inspiring sessions, engaging conversations, and a chance to catch up with industry peers and the RFS team.
👋 We can’t wait to see you there!

How your credit report affects mortgage applicationsYour credit history is a key factor in whether your home loan is app...
07/08/2025

How your credit report affects mortgage applications
Your credit history is a key factor in whether your home loan is approved. Learn how to check your credit report and explore practical steps to improve your credit score if it needs attention.
read more here - https://financefocus.connective.com.au/how-your-credit...

Using your equity to buy an investment propertyIf you’ve paid down your home loan or your property value has increased, ...
05/08/2025

Using your equity to buy an investment property
If you’ve paid down your home loan or your property value has increased, you could use your home’s equity to fund an investment property purchase. Learn how it works and what to consider before getting started.
read more here - https://financefocus.connective.com.au/using-your-equity...

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Robina, QLD
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