Oui Finance

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Oui Finance [“We”]
Specialising in Construction & Established Home Loans. ACL389328 CRN537796

A day in the life of Maddy 💻💗Just another day making home loan dreams happen at Oui Finance 🏡💌Gym & matcha, client meeti...
07/10/2026

A day in the life of Maddy 💻💗

Just another day making home loan dreams happen at Oui Finance 🏡💌

Gym & matcha, client meetings, emails, qualifying leads, loan docs, BDM catch ups… and a sunset walk to finish the day 🌅✨

gym

POV: You’re in your financially responsible era 💅🏻💸🎀🏡High standards, smart money moves & a home loan that actually fits ...
05/10/2026

POV: You’re in your financially responsible era 💅🏻💸🎀🏡

High standards, smart money moves & a home loan that actually fits your lifestyle. Because building wealth doesn’t mean giving up the little luxuries along the way ☕️🥂✨

Online calculators are cute… but your borrowing capacity deserves a little more attention 💅🏼💻🏡Every lender calculates yo...
01/10/2026

Online calculators are cute… but your borrowing capacity deserves a little more attention 💅🏼💻🏡

Every lender calculates your borrowing capacity differently. Before you start house hunting, let your broker run the numbers properly so you know exactly what you’re working with. 💸✨

Know your numbers. Know your options. Then start shopping. 🏡💗

Ever wondered what mortgage brokers get up to from sunrise to sunset? Swipe to follow Ella through her day 💻☕️💕💅🏻
30/09/2026

Ever wondered what mortgage brokers get up to from sunrise to sunset? Swipe to follow Ella through her day 💻☕️💕💅🏻

14/09/2026

Calls, emails, applications, lender updates, document checks… and somehow, there’s always another inbox notification.
Busy? Absolutely.
Worth it? When we get our clients one step closer to their goals - always. 🏡🤎

If you're buying your first home in WA, there is a list of government support available to you. Most buyers only know ab...
10/09/2026

If you're buying your first home in WA, there is a list of government support available to you. Most buyers only know about one or two of them. Here's the full picture. 🏡

Swipe through for every scheme, what it offers, and who qualifies →

Questions about which of these you qualify for? DM us "SCHEMES" and we'll check your eligibility for everything on this list.

07/09/2026

The split loan strategy. Most buyers don't know this option exists - and for some, it's exactly the right move

𝗔 𝘀𝗽𝗹𝗶𝘁 𝗹𝗼𝗮𝗻 𝗺𝗲𝗮𝗻𝘀 𝗱𝗶𝘃𝗶𝗱𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗶𝗻𝘁𝗼 𝘁𝘄𝗼 𝗽𝗼𝗿𝘁𝗶𝗼𝗻𝘀: 𝗼𝗻𝗲 𝗳𝗶𝘅𝗲𝗱 𝗮𝗻𝗱 𝗼𝗻𝗲 𝘃𝗮𝗿𝗶𝗮𝗯𝗹𝗲.
WHY WOULD YOU DO THIS?
→ You get certainty on part of your repayments (fixed portion)
→ You keep flexibility to make extra repayments and use an offset (variable portion)
→ You reduce your exposure to rate movements in either direction

EXAMPLE: ***CHECK BEST FIXED RATE
$600,000 loan
→ $300,000 fixed at 6.4% for 2 years
→ $300,000 variable at current rate with offset account

Your fixed repayments don't move. Your variable portion can benefit from rate cuts. Your offset account still works on the variable portion.

IS IT RIGHT FOR EVERYONE?
No. It adds a layer of complexity. Break costs on the fixed portion still apply if you sell or refinance.

But for buyers who want stability AND flexibility it's worth knowing about.

𝗗𝗠 𝘂𝘀 '𝗦𝗣𝗟𝗜𝗧' 𝗶𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗲𝘅𝗽𝗹𝗼𝗿𝗲 𝘄𝗵𝗲𝘁𝗵𝗲𝗿 𝘁𝗵𝗶𝘀 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗺𝗮𝗸𝗲𝘀 𝘀𝗲𝗻𝘀𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻.

If a bank said no to you - we want you to read this. 🔍A rejection from a lender is not a verdict on your financial chara...
05/09/2026

If a bank said no to you - we want you to read this. 🔍

A rejection from a lender is not a verdict on your financial character.
It is not a statement about whether you deserve to own a home.
It is not the final word.

It is an assessment by one institution, using their specific policies, at this specific moment in time.

Banks decline applications for dozens of reasons that have nothing to do with whether you're a good financial risk:
→ The property type doesn't fit their lending criteria
→ Your income is structured in a way they don't assess favourably
→ You have minor credit history issues they won't overlook
→ Their current appetite for that loan type has changed
→ Their serviceability model is more conservative than other lenders

None of those are permanent. And none of them apply at every lender.

We've helped clients get approved weeks after a bank rejection - with the right lender, the right structure, and the right documentation.

If you've been rejected - or you're nervous you might be - please talk to a broker before you give up.

𝗔 20-𝗺𝗶𝗻𝘂𝘁𝗲 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 𝗺𝗶𝗴𝗵𝘁 𝗰𝗵𝗮𝗻𝗴𝗲 𝘁𝗵𝗲 𝗲𝗻𝘁𝗶𝗿𝗲 𝘁𝗿𝗮𝗷𝗲𝗰𝘁𝗼𝗿𝘆.

DM us. Genuinely. We want to help.

Every first home buyer deserves a glossary. Here's yours. 10 mortgage terms - explained in plain English, no jargon, no ...
03/09/2026

Every first home buyer deserves a glossary. Here's yours.

10 mortgage terms - explained in plain English, no jargon, no condescension.

Save this. It will come up. Multiple times.

Share it with someone navigating their first home loan.

It's the question we've been asked more this year than any other. → What is your forecast property value growth vs your ...
02/09/2026

It's the question we've been asked more this year than any other. → What is your forecast property value growth vs your current savings growth rate?
And we always give the same honest answer: it depends on your numbers - not the market headlines. 📊

Swipe through for the thinking we share with every client who asks →

The market doesn't wait for the perfect moment. But neither should you act without understanding your position.

DM US if you're sitting on this question right now. We'll work through it with you.

Address

431 Roberts Road
Subiaco, WA
6008

Opening Hours

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

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