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Brisa Finance Mortgage & Finance Brokerage

Staying with the same bank for years doesn’t mean you’re getting rewarded for loyalty. In fact, it often costs you.It’s ...
15/10/2026

Staying with the same bank for years doesn’t mean you’re getting rewarded for loyalty. In fact, it often costs you.

It’s called the "loyalty tax": banks frequently offer their lowest interest rates to attract new borrowers, while long-term clients stay on older, higher rates without noticing.

If you haven’t reviewed your home loan in the last 12 to 24 months, you could easily be saving hundreds every month.

A 15-minute review with Brisa compares 30+ lenders to see if your current rate is still fair.

📲 Ready for a quick loan check-up?
Click the link in our bio or send us a DM.

• 🇧🇷 •
Ficar anos no mesmo banco na Austrália não significa que você está recebendo o melhor tratamento. Muitas vezes, custa caro.

É o chamado "imposto da fidelidade" (loyalty tax): os bancos guardam as menores taxas de juros para atrair clientes novos, enquanto quem já está lá continua pagando taxas mais altas sem perceber.

Se você não revisou seu home loan nos últimos 12 a 24 meses, pode estar doando centenas de dólares todo mês em juros desnecessários.

Uma revisão de 15 minutos com a Brisa compara mais de 30 bancos para checar sua taxa.

📲 Quer fazer seu check-up gratuito?
Mande um direct ou acesse o link na bio.

15/10/2026

Understanding the family finances. Claudia calls it the crucial one, the one she wants every woman, in Australia and around the world, to get involved in.

Why? Because it's healthy for a relationship. You get your share and your say. You understand how much your partner would like to save, and why.

And here's the part the husbands are going to like: when you get involved, you're sharing the responsibility with him. It's not only on his shoulders anymore. He's not the only one making the good and the bad decisions. Because when times are good, everything's fine. But when times are bad, he's the one to blame.

So how do you start? Get involved with the nitty-gritty of the family finances.

Who looks after the money in your house? 👇

#4 in the Women & Money series.

Full episode on YouTube — .

Educational content only. Not personal financial, investment, tax or legal advice — everyone's circumstances are different, so please speak with appropriately qualified professionals.

Thinking about renovating your kitchen, adding a bathroom, or building an outdoor deck?Your home’s equity could fund it ...
13/10/2026

Thinking about renovating your kitchen, adding a bathroom, or building an outdoor deck?

Your home’s equity could fund it at standard home loan rates (~5.8% to 6.2%)—far cheaper than a personal loan with double-digit interest.

How it works:
1. We organise a property valuation with lenders.
2. We calculate your usable equity (up to 80% LVR to avoid LMI fees).
3. We restructure your loan with competitive rates and manageable repayments.

Swipe through the slides above to see a real calculation!

Want to check your available equity?
Send us a DM or message on WhatsApp: +61 452 506 277.

• 🇧🇷 •
Pensando em reformar a cozinha, fazer mais um banheiro ou uma área externa para o verão?

O equity da sua própria casa pode financiar a obra com taxas de financiamento imobiliário (~5,8% a 6,2%)—muito mais em conta do que empréstimo pessoal com juros de 12% a 15% ao ano.

Como funciona na prática:
1. Avaliamos o valor de mercado atual do seu imóvel.
2. Calculamos o equity utilizável (preservando 80% LVR sem seguro LMI).
3. Reestruturamos o crédito com parcelas confortáveis.

Arraste para o lado para ver o cálculo na prática!

Quer descobrir quanto de equity você tem liberado hoje?
Mande um direct ou chame no WhatsApp: +61 452 506 277.

12/10/2026

Do you know how much you have in super right now?

What sort of fund is it invested in? And how many super accounts do you have floating around two, three, four?

Cláudia asks the question almost nobody asks: when you go on maternity leave, what happens to your super in those years?

Because maybe you extend the leave. Maybe there's a second child on the way. Maybe with one plus one you stay at home, out of your profession. That's 5 years of zero contribution, while the fees keep running. Because every superannuation fund has fees.

Have you thought about it? Have you talked to your husband about how the family could contribute to your super while you're out of the workforce?

This conversation isn't about distrust. It's about retirement.

Full episode on YouTube: .

☝🏼 Educational content only. Not personal financial, investment, tax or legal advice, everyone's circumstances are different, so please speak with appropriately qualified professionals.

Buying your first investment property in Australia isn't just about picking a nice suburb. It’s about setting up the rig...
10/10/2026

Buying your first investment property in Australia isn't just about picking a nice suburb. It’s about setting up the right loan from day one.

You don't always need hundreds of thousands in cash. Many buyers start by using usable equity from their current home or setting up tax-effective structures.

3 essentials before you sign:
1. Interest-Only vs. P&I (cash flow flexibility vs. paying down debt)
2. Offset accounts to cut interest while keeping liquidity
3. Standalone loans so one property never compromises another

👉 Book a free investment loan strategy session via the link in our bio.

• 🇧🇷 •
Comprar o primeiro imóvel de investimento na Austrália vai muito além de escolher um bairro bonito. O segredo está em montar o financiamento certo desde o início.

Você nem sempre precisa de rios de dinheiro guardado. Muitos investidores começam usando o equity da própria casa ou estruturas com benefícios fiscais.

3 pontos essenciais antes de assinar:
1. Interest-Only vs. P&I (fluxo de caixa vs. amortização)
2. Contas Offset para reduzir juros mantendo dinheiro disponível
3. Empréstimos independentes para proteger seu patrimônio

👉 Agende sua conversa estratégica gratuita no link da nossa bio.

House hunting before knowing your borrowing power is like shopping with your eyes closed.Your borrowing capacity isn't a...
08/10/2026

House hunting before knowing your borrowing power is like shopping with your eyes closed.

Your borrowing capacity isn't a fixed number. It changes between lenders based on:
• How they treat overtime, bonuses, or self-employed income
• Living expense calculations (HEM benchmarks)
• Credit card limits (even if the balance is zero!)

One bank might offer $650k, while another approves $780k for the exact same income. That difference could be the suburb or the extra bedroom you wanted.

📲 Send us a DM or message on WhatsApp (+61 452 506 277) for a free assessment.

• 🇧🇷 •
Procurar imóvel sem saber seu poder de compra real é dar tiro no escuro.

A sua capacidade de empréstimo não é um número fixo. Ela muda de banco para banco por causa de:
• Como avaliam hora extra, bônus ou renda de autônomo
• O cálculo das despesas mensais da família
• Limites de cartão de crédito (mesmo sem fatura aberta!)

O mesmo casal pode ter $650k aprovados em um banco e até $780k em outro credenciado. Essa diferença é o quarto extra ou o bairro que você queria.

📲 Chame a Brisa no WhatsApp (+61 452 506 277) ou link na bio. Nossa simulação é 100% gratuita.

06/10/2026

"I signed the papers but I didn't read it."

Claudia hears that one at work. Along with four more: I don't know how much my mortgage is. I don't know how to save. I feel embarrassed to talk about money. My husband knows everything.

They come from married women, single women, business owners, engineers, architects. There's no profile.

In the new Evergreen episode she asks where this comes from, and her answer isn't lack of interest and it isn't lack of ability, it's lack of empowerment. Nobody encouraged us to want to know about money, to want to invest, to want to become financially independent.

Then she gets practical. The hole maternity leave leaves in your super. The Money Date, for talking money as a couple without it turning into a fight. What a separation looks like when you were never part of the decisions. And the client in her forties, on an average salary, who walked dogs on weekends, saved a 20% deposit in 6 months, and is now a couple of hundred dollars away from owning her home outright.

Which of the five have you said out loud? 👇

Full episode on YouTube .

☝🏼 Educational content only. Not personal financial, investment, tax or legal advice, everyone's circumstances are different, so please speak with appropriately qualified professionals.

That daily flat white isn’t what’s keeping you out of the property market ☕For years, people heard that buying a home in...
05/10/2026

That daily flat white isn’t what’s keeping you out of the property market ☕

For years, people heard that buying a home in Australia meant cutting out life’s small joys. Truth is: property finance has never been about skipping coffee. It’s about clarity, loan structure, and knowing your real options.

What actually moves the needle:
• Knowing your genuine borrowing capacity before you inspect.
• Government schemes to buy with as little as a 5% deposit.
• Comparing 30+ lenders to find the right policy for you.

Ready to see what you can actually afford?
Book your free consultation via the link in our bio.

• 🇧🇷 •

Não é o cafezinho da manhã que está te deixando fora do mercado imobiliário ☕

Por muito tempo disseram que comprar casa na Austrália exigia cortar tudo da rotina. Mas crédito imobiliário nunca foi sobre parar de tomar café. É sobre estrutura, planejamento e entender as regras do jogo.

O que realmente faz diferença:
• Saber sua capacidade real de empréstimo antes de visitar imóveis.
• Incentivos do governo para comprar a partir de 5% de depósito.
• Comparar mais de 30 bancos para achar a menor taxa.

Quer entender seus números de verdade?
Agende sua consulta gratuita pelo link na bio.

02/10/2026

Five sentences. Claudia hears every one of them at work, from married women, single women, business owners, engineers, architects. There's no profile.

• I don't know how much my mortgage is
• I don't know how to save
• I feel embarrassed to talk about money
• My husband knows everything
• I signed the papers but I didn't read it

In BrisaCast #18 she stops and asks where this comes from. Her conclusion isn't lack of interest, and it isn't lack of ability. It's lack of empowerment: nobody encouraged us to want to know about money, to want to invest, to want to become financially independent.

And she points at something that's in plain sight and rarely said out loud — investment advertising speaks directly to men. The advertising aimed at us is about spending.

Which of the five have you said out loud? 👇

#1 in the Women & Money series. More coming.
Full episode on YouTube ().

📍Educational content only, not personal financial advice.

A redraw facility can provide flexibility and massive interest savings, but is it right for your financial setup? 💡• How...
01/10/2026

A redraw facility can provide flexibility and massive interest savings, but is it right for your financial setup? 💡

• How it works: Any extra repayments you make above your minimum monthly amount directly reduce the loan balance (cutting down your interest charges).
• The flexibility: If an opportunity or emergency arises, you can "redraw" (withdraw) those extra funds.

Understanding features like Redraw vs. Offset accounts ensures your mortgage works strategically for your goals.

👉 Speak with Broker Claudia at Brisa Finance to find the loan features that make the most sense for you.

• 🇧🇷 •
Você sabe como o recurso de Redraw pode te economizar milhares de dólares em juros sem travar o seu dinheiro? 💡

• Como funciona: Pagamentos adicionais além da sua parcela mínima reduzem o saldo devedor do financiamento (diminuindo os juros cobrados).
• Flexibilidade: Caso precise do dinheiro para uma emergência ou oportunidade, você pode resgatar esses valores excedentes.

Entender a diferença entre Redraw e conta Offset faz toda a diferença na economia da sua casa.

👉 Fale com a Broker Claudia na Brisa Finance para estruturar seu empréstimo de forma inteligente.

Address

Level 2 29 Kiora Road
Sydney, NSW
2228

Opening Hours

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

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