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Boutique Mortgage & Finance

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Australia
Sydney, NSW
Boutique Mortgage & Finance

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We guide you through the Dynamic Finance Market to find the most suitable Loan. Tailored Finance Solutions for your needs.

Sanjukta Acharya, a multi skilled finance professional, CPA with 17 years of extensive experience. Sanjukta Acharya, a multi skilled finance professional, CPA with seventeen years of extensive experience across accounting, tax operations and compliance in the Australian Banking sector is expanding her knowledge and experience in Mortgage and Finance industry.

02/11/2026

Loan pre-approval can give you a serious advantage in a competitive property market.

For sellers and agents, a buyer with pre-approval offers greater certainty and less risk of the deal falling through due to finance issues.

In some cases, a seller may even choose a slightly lower offer from a buyer with fully assessed pre-approved loan over a higher offer with uncertain finance.

Want to know how loan pre-approval can strengthen your position as a buyer? Watch the full video to hear the complete conversation.

30/10/2026

Lower Repayments Now, Higher Costs Later? Understand Interest-Only Loans.

Interest-only loans can offer lower repayments in the short term, but they may cost more over time. Unlike principal and interest loans, they do not reduce your loan balance during the interest-only period, which can lead to significantly higher repayments when that period ends.

Before choosing an interest-only loan, understand how your repayments may change and whether the short-term cash-flow benefits outweigh the long-term costs. The right loan structure depends on your financial goals and circumstances.

Contact Boutique Mortgage & Finance to compare your options and plan your next steps with confidence.

28/10/2026

A profitable business does not always mean an easy loan approval.

Even a business generating strong income can be difficult to finance if the lease term is too short. From a lender’s perspective, a short lease creates uncertainty and increases the risk of the business having to relocate before the loan is repaid.

One way to strengthen your application? Negotiate longer lease options with your landlord before applying for finance.

A longer lease can give lenders greater confidence in the stability of your business and its ability to support the loan.

Planning to finance your business? Talk to Boutique Mortgage & Finance before you apply.

26/10/2026

A Small Rate Rise Could Make a BIG Difference to Your Borrowing Power!

A 0.25% interest rate increase could mean around $160 more per month in repayments on a $1 million loan. But the impact goes beyond repayments and even a small rate change can reduce how much you may be able to borrow.

Lenders also assess your ability to manage higher repayments using a serviceability buffer. Your borrowing capacity depends on more than interest rates, including your income, living expenses, existing debts, credit card limits and dependents.

Contact Boutique Mortgage & Finance to review your finances and explore your options.

25/10/2026

Planning to Upgrade Your Property? Should You Buy or Sell First?

Before making your move, speak with a real estate agent to understand your property's value and consult a mortgage broker to assess your borrowing capacity.

Selling first gives you greater financial control, helps you avoid the pressure to accept a lower price, and may allow you to avoid costly bridging loans by securing formal finance for your next purchase.

The right strategy can save you money and make your next move smoother.

👉 Planning an upgrade? Contact Boutique Mortgage & Finance to explore your financing options.

24/10/2026

Thinking about upgrading? The current market could be a great opportunity.

Even if you sell your current home for less than its peak value, you could potentially save more by purchasing your next property at a significant discount.

Sell first, know your numbers, and plan your next move carefully. Speak with your mortgage broker about your borrowing capacity and options like bridging finance before making a decision.

It’s not just about what you sell for — it’s about what you save on your next purchase.

📲 Stay connected for more property insights and market updates.

23/10/2026

Self-employed and struggling to qualify for a home loan based on your historical income?
You may have more options than you think.

Depending on your circumstances, lenders may assess applications under Full Doc, Low Doc or Alt Doc lending options.

Full Doc loans generally require tax returns and financial statements, while some alternative lending options may consider bank statements, accountant declarations and other supporting documents.
Property security may also be required, depending on the lender and loan structure.

🎥 Watch till the end as Ashish explains how these options can work for self-employed borrowers.

22/10/2026

New property pricing legislation in New South Wales is expected to take effect from late 2026 or early 2027, requiring agents to display a specific price instead of terms like “Contact Agent” or “For Sale.”

Listed prices will also need to be supported by evidence, including recent comparable sales in the local area.
Until the legislation takes effect, buyers should research recent sales and speak with a mortgage broker or property professional to better understand a property’s true value.

Know the numbers. Know the market. Make informed decisions.

🎥 Want to understand what these changes could mean for buyers and sellers? Watch the full video for the deeper discussion.

19/10/2026

Have an ATO tax debt and wondering if you can still get a new loan?
The answer isn’t always no.

Depending on your circumstances, lenders may consider your existing tax debt, repayment arrangements, income and overall cash flow when assessing a new loan application.
In some cases, you may be able to obtain conditional approval, subject to meeting specific conditions around the outstanding tax debt.

There may also be alternative lending options for borrowers who have suitable property security and don’t fit traditional lending criteria.

🎥 Watch till the end as Ashish explains how lenders may assess tax debt and what options could be available.

18/10/2026

Higher interest rates don’t always mean it’s the wrong time to buy.

Lower property prices can sometimes offset higher repayments and create opportunities to secure a better deal.

If you’re financially prepared, have done your due diligence and can comfortably manage the repayments, it can be the right time to buy.

The right property, the right price and the right preparation matter more than trying to perfectly time the market.

Ready to make your next move? Contact Boutique Mortgage & Finance to discuss your options.

Address

2. 11/7 Maitland Place, Norwest
Sydney, NSW
2153

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	9am - 6pm

Telephone

+61452295432

Website

http://www.boutiquefinance.com.au/

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