Jayde Lees - Mortgage Broker

Jayde Lees - Mortgage Broker Mortgage Broker helping single mums, women,first home buyers & families with home loans across Macedon Ranges & Sunbury. Your local mortgage broker since 2015.

Clear guidance, honest support & education to help you make confident property decisions. Taking the confusion and stress out of your home loan journey. Offering clear and simple advice to ensure your understanding of the process and offering a smooth and personalised home buying journey by working alongside you to watch you reach your property dreams. Jayde Lees is a credit representative (CR No. 480187) of Australian Finance Group Ltd ACN 066 385 822 (AFG) Australian Credit Licence 389087.

A record 81% of all new residential home loans in Australia are now being arranged through mortgage brokers.Let that sin...
10/06/2026

A record 81% of all new residential home loans in Australia are now being arranged through mortgage brokers.

Let that sink in for a moment.

More than 8 out of every 10 Australians choosing a home loan are choosing to work with a broker.

And honestly, I understand why.

Today's lending environment is complex. Lender policies change regularly, interest rates move, and no two client situations are ever the same.

Clients aren't just looking for a loan.

They're looking for:
✔ Guidance
✔ Education
✔ Choice
✔ Support
✔ Someone in their corner advocating for them

Whether it's helping a first home buyer get started, supporting a family through a refinance, assisting someone after separation, or navigating a more complex lending scenario, the role of a broker is about so much more than finding an interest rate.

It's about helping people make informed decisions with confidence.

Thank you to every client who has trusted me to be part of their journey. Your trust is something I never take for granted.





08/06/2026

Sometimes being a mortgage broker is about so much more than the loan.

It's the phone calls, the follow-ups, the problem-solving, the reassurance, and being there when clients need someone in their corner.

Reviews like this remind me exactly why I do what I do.

Thank you for trusting me with your journey. It was an absolute privilege to help.





Your Credit Report Could Be Costing You More Than You RealiseOne of the biggest misconceptions I see is people assuming ...
07/06/2026

Your Credit Report Could Be Costing You More Than You Realise

One of the biggest misconceptions I see is people assuming their credit report doesn't matter until they're ready to apply for a home loan.

The reality?

Your credit report is like your resume to a lender.

Before they approve a loan, they're looking at:
✔ Your credit score
✔ Your repayment history
✔ Existing debts and liabilities
✔ Previous home loans, personal loans and credit cards
✔ Buy Now Pay Later accounts
✔ The number of credit enquiries you've made
✔ Any defaults or bankruptcies

Here's the part many people don't realise...

Every time you apply for credit, it leaves a footprint on your credit file.

That means:
❌ Multiple loan applications
❌ Applying with several lenders at once
❌ Numerous Buy Now Pay Later applications
❌ Store finance applications

can all impact your credit profile.

Lenders can see when multiple credit applications have been made in a short period of time, and it may raise questions about why previous applications weren't approved.

Your credit report also records up to 24 months of repayment history, showing whether debts have been paid on time each month.

The good news?

A few simple habits can help protect your credit profile:
✅ Make repayments on time
✅ Avoid unnecessary credit applications
✅ Think carefully before opening multiple Buy Now Pay Later accounts
✅ Seek advice before applying for credit

Because when the time comes to buy your first home, refinance, invest or upgrade, your credit report may play a bigger role than you think.

Not sure what your credit report looks like or whether it could impact your future borrowing?

📲 Book a quick chat:
https://calendly.com/jayde-panachefinancial/fast-phone-chat





Sometimes people only see the final approval…Not the 35 days behind the scenes it took to get there.Back in April, I had...
03/06/2026

Sometimes people only see the final approval…
Not the 35 days behind the scenes it took to get there.

Back in April, I had an initial conversation with some clients looking to purchase a commercial property through their SMSF.

Like every client, we started with understanding:
✔ what they were trying to achieve
✔ their financial position
✔ and what the best pathway forward could look like

As I worked through the deal, I quickly realised this application sat a little outside my normal scope and I’d need additional support to structure it properly.

So that’s exactly what I did.

I workshopped the deal with a BDM who believed in the application, we worked through structuring with credit, gathered everything required and submitted the application knowing the turnaround times would already be lengthy.

Honestly? Submitting the application was probably the easiest part 😅

After that came:
• delays
• valuation issues
• fee issues
• escalation problems
• inconsistent assessor handling
• constant follow-ups
• roadblocks at almost every stage

There were moments I felt completely defeated.
Moments I cried.
Moments I wanted to give up.

But at the end of the day, I had clients relying on me to keep pushing this forward and get the outcome they deserved.

And last week… after 35 long days… we secured FORMAL APPROVAL!

This industry can be incredibly rewarding, but sometimes people don’t see the emotional investment brokers carry behind the scenes trying to help make these outcomes happen for clients.

A reminder that sometimes the difference isn’t just the rate or the lender.

Sometimes it’s having someone willing to keep fighting for the outcome when things get hard.

📲 If you need guidance around your lending situation or want someone in your corner helping you navigate the process, let’s chat:
[https://calendly.com/jayde-panachefinancial/fast-phone-chat





Because brokers work for YOU, not the bank 👏A few numbers that put things in perspective:🔹 1 in 9 Australian mortgages a...
02/06/2026

Because brokers work for YOU, not the bank 👏

A few numbers that put things in perspective:
🔹 1 in 9 Australian mortgages are written by an AFG broker
🔹 4,300 active brokers across the country
🔹 77% of all home loans now go through a broker (not a bank branch)

Why does that matter for you? We compare lenders, negotiate on your behalf, and find the loan that actually fits your situation, not just the one the bank in front of you happens to sell.

Panache has been successfully aggregating and partnering with Australian Finance Group (AFG) for nearly 10 years, proud to be part of the network behind the numbers. 💪

A bit of breathing room for borrowers this month 🙌The big banks reckon the RBA will keep the cash rate on hold at 4.35% ...
02/06/2026

A bit of breathing room for borrowers this month 🙌

The big banks reckon the RBA will keep the cash rate on hold at 4.35% in June after April's inflation numbers came in lower than expected.

But before you celebrate, underlying inflation is still sticky, and Westpac is forecasting two more hikes before the year is out.

Translation for the rest of us: no extra pain on repayments next month, but the cost-of-living squeeze isn't over. Housing, transport and groceries are all still climbing.

While every market is moving a little differently, one thing remains the same, having the right finance strategy and support around you can make a huge difference when navigating changing conditions. 🏡

📞 0434 634 859

“I wish I had spoken to a broker sooner.”Honestly? I hear this ALL the time.So many people spend months — sometimes year...
01/06/2026

“I wish I had spoken to a broker sooner.”

Honestly? I hear this ALL the time.

So many people spend months — sometimes years — assuming they won’t qualify, trying to figure everything out alone or feeling overwhelmed by the process.

Meanwhile, one conversation could completely change the direction of their plans.

You do NOT need to:
❌ know everything
❌ have the perfect situation
❌ have all your savings finished
❌ be ready to buy tomorrow

Sometimes the first step is simply understanding:
✔ where you currently stand
✔ what lenders may accept
✔ what your options look like
✔ and what a plan forward could be

And that’s exactly what I help clients do every day.

📲 Book a chat:
https://calendly.com/jayde-panachefinancial/fast-phone-chat





We're all about more and more women taking control of their finances, asking bigger questions, and making decisions that...
28/05/2026

We're all about more and more women taking control of their finances, asking bigger questions, and making decisions that support the life they actually want. 💕

Yes, even mortgage brokers experience hard money decisions, that's why we're so passionate about ensuring Panache's values stay well-rooted in honesty, compassion and stem from real-life experiences - ones you relate to, ones we have the expertise to support.

28/05/2026

We recently helped a young family refinance their home loan — and for them, it wasn’t just about chasing a lower rate.

With ongoing interest rate uncertainty, they were feeling really nervous about future repayment increases and wanted more certainty around their household budget and mortgage repayments.

After reviewing their situation, we suggested a fixed rate home loan structure that suited their goals — including a product that still offered a fully functioning offset account, which can actually be quite rare with fixed rate products.

By restructuring their lending, we were able to:
✔ Reduce their interest rate
✔ Keep their existing loan term
✔ Save them approximately $440 per month
✔ Provide more repayment certainty moving forward

And honestly, this is why tailored advice matters.

Because no two client situations are ever the same.

Different lenders offer different products, structures and policy options — and the “best” loan isn’t always simply the one with the lowest advertised rate.

It’s about finding the structure that best supports YOUR lifestyle, goals and comfort levels financially.

If you’ve been nervous about rates, repayments or wondering whether your current loan is still the right fit, now is a great time to review your options.

📲 Book a quick chat here:
https://calendly.com/jayde-panachefinancial/fast-phone-chat





🏉 ROUND 1 OF ORIGIN IS HERE 🏉Where are my Origin fans at?! 💙 If you’re backing the BLUES — hit LIKE❤️ If you’re cheering...
27/05/2026

🏉 ROUND 1 OF ORIGIN IS HERE 🏉

Where are my Origin fans at?!

💙 If you’re backing the BLUES — hit LIKE
❤️ If you’re cheering for the MAROONS — show some LOVE

Game faces on and rivalry mode activated.

Who’s taking bragging rights tonight?

Address

Romsey, VIC
3435

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61434634859

Website

https://calendly.com/jayde-panachefinancial, https://theseparationguide.com.a

Alerts

Be the first to know and let us send you an email when Jayde Lees - Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category