Confetti Finance - Mortgage Brokers

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Confetti Finance - Mortgage Brokers

05/06/2026

Your bank is not rewarding your loyalty. It is counting on it.

Most people assume that years of banking with the same institution earns them a competitive rate. It usually does not.

Banks save their best deals for new customers. Long term customers who have not reviewed their loan are often sitting on a higher rate without even realising it. That is the loyalty tax. The hidden cost of simply staying put.

Even a small rate difference adds up to thousands over the life of your loan.
The fix is simpler than you think. A broker can compare dozens of lenders in the time it takes you to call your bank.

When did you last review your home loan? Drop a comment below and let's find out if you are paying more than you need to.

Call Stacy on 1300 266 338 or book a free chat through the link in bio.

02/06/2026

Let's be real for a second.

Trying to save a deposit while paying rent that keeps going up is genuinely exhausting. 😮💨

You're not necessarily doing anything wrong. The maths is just hard.

But there are more pathways into your first home than most people realise. Government schemes, family guarantor options and lower deposit solutions could mean you're actually much closer than you think.

Let's sit down and work through your real options, not the hypothetical ones.

29/05/2026

Want your loan approved faster? Here is what lenders are actually looking at.

Most people do not realise how much preparation affects the speed of their approval. It is not just about having a good income. Lenders are checking several things at once, and if even one piece is missing, your application slows down.

Here is what they look at:
1. Your credit score and history. A clean record with no recent defaults puts you in a strong position from the start.
2. Proof of income. Full-time employees generally move through faster. If you are self-employed, having your documents ready in advance is everything.
3. Your debt-to-income ratio. The less existing debt you are carrying, the easier it is for a lender to say yes quickly.
4. Complete paperwork from day one. Incomplete applications are the number one cause of delays. Have your ID, bank statements and payslips ready before you apply.
5. Your banking history. Lenders look at your account statements to assess financial stability. A positive record supports a faster decision.
6. The lender you choose. Many lenders now use automated systems that can return a decision within minutes when your application is clean and complete.

Same-day approval is absolutely possible. The people who get it are not necessarily in a better financial position than others. They are just better prepared.

Are you thinking about applying for a home loan? Drop a comment below or send us a message, and we can walk you through exactly where you stand before you start.

Call Stacy on 1300 266 338 or book a free consultation through the link below.
https://www.confettifinance.com.au/contact

28/05/2026

Did you know that over 75% of Australians now use a mortgage broker to arrange their home loan?

We can:
■ Compare thousands of products across multiple lenders
■ Help you every step of the way
■ Explain all your options
■ Help structure your loan to suit your goals

Ready to find out what your options really look like? Get in touch.

27/05/2026

Not all investment loans are created equal — and choosing the wrong one can genuinely cost you in ways that
go beyond the interest rate.

Things that matter for investors:
🎉Interest-only vs principal & interest — which suits your strategy?
🎉How your loan structure affects your tax position (always check with your accountant).
🎉Which lenders have the best investment loan policies right now.
🎉Using equity in your current home to fund the purchase.
🎉How to protect your owner-occupied loan from being cross-collateralised.

This is where a great broker earns their keep.

At CONFETTI Finance, we work with property investors at all stages — first investment through to building a
portfolio. We understand the strategy, not just the product.

And with 60+ lenders on our panel, we find investment loan structures that actually work for your goals.

✨ The right loan can be the difference between a cash flow positive and cash flow negative property.

Planning to invest? Let's build the right strategy together. Visit
https://www.confettifinance.com.au/home-loans/investment-loans

26/05/2026

You love your location. But your home still isn’t quite right? You may be able to use the equity in your home to fund the upgrade you've been putting off.

We can explore whether you could:
■ Redraw from your existing home loan
■ Increase your mortgage to fund the works
■ Take out a construction loan for major projects
■ Take out a personal loan for smaller renovations

Kitchen, bathroom, alfresco or full extension, we'll find the right path for you.

25/05/2026

Step 1: You tell us your situation
Current loan, rough property value, what you're hoping to achieve (lower rate? cash out? debt consolidation?).

Step 2: We search the market
We compare your current loan against 60+ lenders. We find what's better, and by how much.

Step 3: We present your options
You choose. No pressure. We explain the numbers in plain language.

Step 4: We handle the paperwork. We do the legwork. You sign the forms, we manage the process from there.

Step 5: Your new loan settles
Your old loan gets paid out. Your new loan starts. You start saving.

The whole process typically takes 4–6 weeks. And our service? Free to you.
The only question is: what's keeping you on your current loan?

Ready to start? https://www.confettifinance.com.au/home-loans/refinancing
or call 1300 266 338 for a quick chat.

21/05/2026

Mortgage stress is real right now for a lot of Australian households. But sometimes, the biggest savings come from the simplest changes. 🏡

In this week’s Finance Friday, we’re sharing 4 practical ways you may be able to save money on your mortgage without completely overhauling your finances.

✔ Ask for a lower interest rate
✔ Use your offset account properly
✔ Switch to fortnightly repayments
✔ Make small extra repayments consistently

These small habits can potentially save thousands over the life of your loan and help reduce long term interest.💰

Want to know if your current loan is still the right fit for you?
Let’s chat.

21/05/2026

EOFY can sneak up fast 🥷 If you’re a business owner, get a head start with our checklist.

20/05/2026

𝐒𝐞𝐥𝐟 𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝 𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚𝐧𝐬 𝐨𝐟𝐭𝐞𝐧 𝐠𝐞𝐭 𝐭𝐨𝐥𝐝 “𝐧𝐨” 𝗼𝗿 𝗴𝗲𝘁 𝗼𝗳𝗳𝗲𝗿𝗲𝗱 𝘄𝗼𝗿𝘀𝗲 𝗿𝗮𝘁𝗲𝘀 𝘀𝗶𝗺𝗽𝗹𝘆 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝘁𝗵𝗲𝗶𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝗹𝗼𝗼𝗸𝘀 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗼𝗻 𝗽𝗮𝗽𝗲𝗿.

Here’s the truth. Plenty of lenders LOVE self employed borrowers. You just need to find them.

Common myths we bust every week:
✔ “You need 2 years of tax returns to even apply” not always true
✔ “Your business income won’t count” it absolutely can
✔ “You’ll get a much higher interest rate” it depends entirely on the lender

At CONFETTI Finance, we specialise in finding lenders who understand how business owners earn their income, including low doc options for the right situations.

We look at your full financial picture, not just a payslip.
You’ve built something great. You deserve a home to match.

Self employed? Let’s find the right lender for you.
https://www.confettifinance.com.au/home-loans/self-employed

Address

2/90 John Street
Singleton, NSW
2330

Website

https://www.confettifinance.com.au/

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