We Need Finance

We Need Finance St Kilda Mortgage Brokers specialising in residential lending, helping families all over Australia.

Are you looking for home loan experts with your best interest at heart? Look no further, we love helping our clients achieve their goals and buy properties. We have the knowledge, the dedication and over 10yrs experience to guide you with your next property purchase. Contact your St Kilda Mortgage Brokers today for a free borrowing capacity assessment.

Taking out a home loan shouldn't stretch your finances to breaking point. ⠀⠀⠀And of course people (and products) change....
01/06/2026

Taking out a home loan shouldn't stretch your finances to breaking point.
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And of course people (and products) change. What's right for us one year may not be the right thing a few years down the track.

This is where refinancing comes into play. When you refinance, it's not 'just' about reducing your fortnightly repayments or your interest rate.

Imagine shaving years off your home loan, so that you become mortgage-free sooner!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Get in touch to find out how.

An offset account can be a powerful tool to reduce the interest you pay on your mortgage.It’s like a savings account lin...
27/05/2026

An offset account can be a powerful tool to reduce the interest you pay on your mortgage.

It’s like a savings account linked to your home loan, and the more money you have in your offset account, the less interest you pay.

For example, if you have $50k sitting in your offset account and a $900k mortgage, you'll only pay interest on $850k.

Curious about how much you could save? Let's chat about how an offset account can work for you.

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your ...
23/05/2026

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your cash flow.

For example:
– On a $600k loan, trimming just 0.5% off your rate could save you around $2,500 a year.
– Over the life of your loan, that’s tens of thousands back in your pocket.

Our job is to review your options, negotiate with your bank, and advise whether a switch stacks up financially.

We can’t promise savings until we look at your situation – but we can promise clarity.

Banks aren’t in the business of saving you money. After all, what would their shareholders think?The less you question f...
20/05/2026

Banks aren’t in the business of saving you money. After all, what would their shareholders think?

The less you question fees, features and rate rises, the better for them.

The good news? A few smart questions can put thousands back in your pocket.

Want the list of questions most borrowers never think to ask? Get in touch for a no strings chat to see if you could get a better deal from your bank.

Choosing between a fixed vs variable interest rate? It’s a big decision!Here’s a quick overview:👉 Fixed rate: Predictabl...
17/05/2026

Choosing between a fixed vs variable interest rate? It’s a big decision!

Here’s a quick overview:
👉 Fixed rate: Predictable repayments, no surprises, but less flexibility.
👉 Variable rate: Rates can go up or down, offering flexibility and potential savings (if rates go down, that is).

The right choice depends on your goals and financial situation.

We can help you weigh up the options.

Buying your first home is a big step, but it doesn’t have to be daunting. We’ll help you:✔️ Secure pre-approval✔️ Unders...
14/05/2026

Buying your first home is a big step, but it doesn’t have to be daunting.

We’ll help you:
✔️ Secure pre-approval
✔️ Understand the market
✔️ Navigate grants and incentives

Start your journey to homeownership today.

If you have plans to make your superannuation work harder for you, we can help you secure finance to build your property...
11/05/2026

If you have plans to make your superannuation work harder for you, we can help you secure finance to build your property portfolio.

Sourcing guidance from SMSF experts like us helps in two ways:
🏦 Access to lenders who specialise in SMSF loans
✅ Ensuring compliance with SMSF regulation, by working with your adviser and/or accountant

Get in touch to start the conversation.

When choosing an investment property, consider these 3 questions:– Can I add value or improve returns?– Will it outperfo...
08/05/2026

When choosing an investment property, consider these 3 questions:
– Can I add value or improve returns?
– Will it outperform inflation?
– What’s my exit strategy?

We can't advise on which property you should add to your portfolio, but we can help you source finance to support your goals.

Get in touch and let's map out your investment lending options, strategically.

While the idea of creating and sticking to a budget might seem restrictive, it actually brings freedom and clarity.Done ...
05/05/2026

While the idea of creating and sticking to a budget might seem restrictive, it actually brings freedom and clarity.

Done right, budgeting can enhance your life by aligning your spending with your values and goals.

Using tools like budgeting apps can simplify and automate the process, so it becomes something you barely have to think about.

Being realistic about your spending habits and regularly revising your budget to reflect any changes in your situation can transform a budget from a constraint into a dynamic tool that supports your ambitions.

Tell us, are you pro budget...or do you take a less structured approach to your spending?

3 ways debt consolidation can help:Lower interest rates – By consolidating your debts into a single loan, you may be abl...
02/05/2026

3 ways debt consolidation can help:

Lower interest rates – By consolidating your debts into a single loan, you may be able to secure a lower interest rate.

Simplified payments – Instead of juggling multiple debts with different due dates and interest rates, you'll only have to make one payment each month.

Improved credit score – As you pay off your debts on time, your credit score may improve, which can make it easier to qualify for loans and credit in the future.

Ready to take control of your debt? Contact us to explore your options.

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105 Wellington Street
St Kilda, VIC
3182

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Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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