Cartwright Finance Brokers Pty Ltd

Cartwright Finance Brokers Pty Ltd Offering honest advice and expertise in all areas of finance. Insurances - income protection, Life, TPD, vehicle and home. Jaimie Cartwright
0405-194-406

New mortgage loans, refinances, personal loans, debt consolidation, business and asset finance, vehicle and lifestyle finance. At Cartwright Finance Brokers Pty Ltd, we strive to seal the best possible deal for each of our clients' specific needs. We have access to a HUGE range of lenders and save you all the time, effort and research that goes into looking for a great loan rate and products that

will suit. Our loan products range from personal loans, investment loans, refinances, debt consolidation, home loans, line of credit, business loans etc. We would love to hear from you, so either send through a message or give me a call to see how I can help you.

Here's bit of a rundown on how the banks assess whether it makes sense to lend you money for your property purchase...al...
30/08/2026

Here's bit of a rundown on how the banks assess whether it makes sense to lend you money for your property purchase...also known as 'The 5 Cs of credit'

Character: Refers to your reputation for paying debts on time and your willingness to repay the loan.

Capacity: Is your ability to repay the loan, based on your income and existing debts.

Capital: Means your net worth and the value of assets you can offer as collateral.

Collateral: Refers to the property you're purchasing or using as security for the loan.

Conditions: Are the overall economic conditions and how they may affect your ability to repay the loan.

Want to make sure you put your best foot forward? Ask us how!




You definitely don't want to apply for 10,000 home loans before getting to 'Yes'. In fact, it's not ever worth applying ...
29/08/2026

You definitely don't want to apply for 10,000 home loans before getting to 'Yes'.

In fact, it's not ever worth applying for more than one credit facility at a time.

The reason being is that each time you apply for credit – whether it's for a credit card, car loan, or mortgage – your application gets recorded on your credit file.

If Bank A sees that you've applied with Bank B, they might hesitate to approve you.

Instead of trying to hedge your bets by applying with multiple lenders, get in touch with us for insight into what the lenders are looking for.



Banks love a good acronym. Here are three you'll come across on your home buyer journey:LVR: Loan to Value Ratio is how ...
28/08/2026

Banks love a good acronym. Here are three you'll come across on your home buyer journey:

LVR: Loan to Value Ratio is how much you're borrowing compared to the value of the property (and accounting for all fees and taxes). An LVR of 80%, for instance, means you have a 20% deposit to contribute to the purchase once you've paid Stamp Duty and other costs.

LMI: Lenders Mortgage Insurance is what protects the bank on the off-chance you default on your loan before you've had a chance to build up your equity. Generally you'll have to take out this insurance if you have a smaller-than-usual deposit (as you'll be considered a bigger risk).

SVR: Standard Variable Rate is the interest rate of a lender's 'standard' home loan. These loan products usually include a lot of bells and whistles, and so will be more expensive than a basic variable loan.

Any questions on home loan jargon? Send us a DM.



26/08/2026

Before you choose an investment property, here are some of the criteria worth considering:

📍 Location: Always the golden rule in real estate
👪🏼 Tenant demand: High demand areas mean fewer vacancies
✅ Future growth: Research planned developments or upgrades
📈 Rental yield: Calculate your potential return on investment
💎 Property condition: Minimise upfront repair costs.

And if you'd like to understand your lending options to fund your property strategy, reach out to speak with one of our brokers.



Looking at home prices and feeling discouraged?Here’s a perspective shift: the true value of buying property isn't just ...
25/08/2026

Looking at home prices and feeling discouraged?

Here’s a perspective shift: the true value of buying property isn't just the price tag.

It's the long term financial stability and personal equity you build.

Unlike rent, every home loan repayment you make is a step towards owning a tangible asset.

Let's look beyond the initial costs and explore how owning your own home is an investment in your future. Reach out today!



23/08/2026

We help you figure out whether refinancing is in your best interests.

And we follow a specific process to get it done right:
Step 1: Evaluate your current loan/s to find potential improvements.
Step 2: Understand all refinancing options to find the best fit for you.
Step 3: Sort out the paperwork and liaise with the lender.

Sometimes refinancing isn't the best course of action, and you can achieve a better outcome by simply repricing your existing loan. It all depends on your individual circumstances.

Ready to optimise your home loan, or switch to a different one? We'll make the process easy!



If you’ve decided you're sick of renting and it's time to buy a home of your own, we can help you make it happen.Most Au...
21/08/2026

If you’ve decided you're sick of renting and it's time to buy a home of your own, we can help you make it happen.

Most Australians secure their home loans through a broker like us these days. Will you be one of them?

Let us know if you want a hand navigating the finance maze.



Good question!It may well seem like that. Perhaps you've applied for a home loan and you've been rejected. Or you've plu...
19/08/2026

Good question!

It may well seem like that. Perhaps you've applied for a home loan and you've been rejected. Or you've plugged your details into a home loan calculator and your borrowing power is much less than you were hoping for.

The home loan market is certainly stringent, with lenders wanting to be absolutely sure they'll be paid back, and of course that they don't fall foul with the regulator.

So what can you do about it? How can you get approved for a home loan?

First, you need to get your finances in order and make sure that when it comes time to applying you're giving the best impression.

Second, you want to make sure you only apply with a lender that you've got a high chance of being approved with.

Lenders don't advertise exactly how they assess a home loan application, which makes using a broker (us!) all the more useful.

Get in touch to find out which lenders you'd have the best shot with, based on your unique needs and situation.



We never trample on your credit score!Did you know whenever you apply for finance – whether you get approved or not – it...
17/08/2026

We never trample on your credit score!

Did you know whenever you apply for finance – whether you get approved or not – it gets recorded on your credit file?

Too many records, or enquiries, are not a good look.

Instead of making multiple enquiries on your credit file, we take the time to get to know you and your situation. This allows us to match you with a suitable lender.

Eyeing off your next set of wheels? Or maybe you need help to consolidate your debts?

Get in touch to find out what's possible.



If you're new to the home buying process, it can be overwhelming to understand all the terms and jargon associated with ...
15/08/2026

If you're new to the home buying process, it can be overwhelming to understand all the terms and jargon associated with home loans.

That's why we've all about breaking it down into easy to understand terms so you go into it with eyes wide open.

We're a jargon free zone and always explain the ins and outs of the process and products.

Understanding all things home loans will not only help you make informed decisions when you buy your first home, but will also give you confidence to keep climbing the property ladder.



Address

Somerville, VIC
3912

Opening Hours

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

Telephone

0405194406

Website

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