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View Financial Services We empower our clients to achieve their property ownership goals & improve their financial future.

Applying for a home loan when you’re self employed may require a different strategy, but doesn’t have to be difficult. A...
12/03/2026

Applying for a home loan when you’re self employed may require a different strategy, but doesn’t have to be difficult.

A number of banks now accept 1 year of tax returns (previously 2 years) to verify your net profit.

If your most recent tax return isn’t a true reflection of your current earnings, there are also ‘low doc’ lending options available through specialist lenders.

This means you may be able to apply using BAS statements or an accountant’s declaration instead of providing full financials / tax returns.

As every lender assesses self employed income differently, using a broker to find the best solution for you is key!

Been living under a rock and haven’t heard of the Australian Government 5% Deposit Scheme?This scheme allows eligible fi...
05/03/2026

Been living under a rock and haven’t heard of the Australian Government 5% Deposit Scheme?

This scheme allows eligible first home buyers to purchase property with just a 5% deposit, or 2% deposit for single parents, without paying the lenders mortgage insurance (LMI) that would normally apply.

Not a first home buyer? There may still be options.
Some banks offer LMI waivers to borrowers who work in a number of professions including medical, legal, accounting and engineering.

Reach out for a chat to see if you qualify.

Did you know that using a mortgage broker doesn’t cost you a thing?As mortgage brokers, our services are completely free...
29/09/2025

Did you know that using a mortgage broker doesn’t cost you a thing?

As mortgage brokers, our services are completely free.
We take the time to understand your needs, goals and individual situation.

We compare the market, negotiate with banks on your behalf to find the most competitive rates and guide you through the entire home loan process.
Therefore saving you time, stress, and potentially thousands of dollars over the long term.

You get expert guidance, personalised solutions, and access to a wide range of lending options, all at no cost.

Whether you’re buying your first home, refinancing, or investing, we’re here to help.

DM us to find out how we can support you on your journey.

Hi! I’m Vanessa ☺️I grew up in the Sutherland Shire & now call the Inner West home. I purchased my first property in my ...
26/09/2025

Hi! I’m Vanessa ☺️

I grew up in the Sutherland Shire & now call the Inner West home.

I purchased my first property in my early 20s & have been interested in real estate ever since.

I have worked in banking & finance for close to 20 years - the last 9 years as a mortgage broker.
I’m also completing my post graduate studies in financial planning, to offer more value to my clients.

I’m a bit of a perfectionist, problem solver and treat my clients the same way I would my family & closest friends.
I genuinely care about helping my clients achieve their home ownership goals and feel privileged to be a part of their journey.

My partner and I recently adopted a cat named Calli who enjoys her food as much as we do.

When I’m not crunching numbers for clients, you’ll find me at the gym, out walking, reading or planning our next Europe trip.

It would be my pleasure to chat with you about your property goals.

If you’re planning on applying for a home loan in the near future, keep in mind these 3 things that will impact your abi...
23/09/2025

If you’re planning on applying for a home loan in the near future, keep in mind these 3 things that will impact your ability to borrow.

1️⃣ Credit Cards & Buy Now Pay Later:
Even if the balance is $0, lenders look at the limit.
For example if you and your partner have combined credit card & After pay limits of $20,000, it will reduce your borrowing capacity by over $100,000.

2️⃣ Self-Employed Write-Offs:
Claiming high business expenses lowers your net profit / taxable income - and that’s what banks assess.
It will help you reduce your tax payable, but hinder your ability to borrow.
Speak to your broker & give your accountant the heads up that you’re applying for a home loan, before finalising your tax return.

3️⃣ Personal Loans, Car Loans & HECS / HELP Debts:
Banks look at the repayment amount rather than the balance outstanding.
If you’re close to paying off a debt, using a small amount of your savings to do so, could really boost your borrowing power.

Get in touch today to better understand your borrowing capacity and how to maximise it.

Thinking about buying your first home? These 3 schemes could help you enter the property market sooner. 1️⃣ First Home G...
22/09/2025

Thinking about buying your first home?
These 3 schemes could help you enter the property market sooner.

1️⃣ First Home Guarantee Scheme
This scheme allows you to buy with just a 5% deposit. You’ll also avoid paying any Lenders Mortgage Insurance, saving you thousands!

2️⃣ First Home Super Saver Scheme
You can save your deposit faster by making additional contributions to your superannuation.
This scheme allows you to take advantage of lower tax rates and access your contributions, once you find a property.

3️⃣ Stamp Duty / Transfer Duty Concessions
Many states offer concessions or even full exemptions on the stamp duty payable when purchasing a property.
This could save you over $30,000!

Each scheme has different rules depending on your situation and location.
For help figuring out which government scheme or grants you may qualify for, get in touch.

Nat & Aaron both worked incredibly hard to buy their forever home. This purchase was a long time coming and meant so muc...
07/09/2025

Nat & Aaron both worked incredibly hard to buy their forever home. This purchase was a long time coming and meant so much to them.
Buying a home isn’t just a transaction—it’s a life milestone!
My goal is always to make the process smooth and stress-free and ensure my clients feel heard and cared for.
I’m grateful to have been part of their journey.

A question I’m asked all the time - What is Debt Recycling & how does it work?Debt recycling is a legitimate strategy, r...
04/09/2025

A question I’m asked all the time - What is Debt Recycling & how does it work?

Debt recycling is a legitimate strategy, recognised by the ATO, that allows you to use the equity in your home to invest.

The goal being to reduce non-deductible debt (your home loan) and build long-term wealth.

As you pay down your mortgage, you can reborrow that amount to invest — often in assets like shares or property. This gradually shifts your debt from “bad” (non-deductible) to “good” (tax-deductible), while aiming to grow your investment portfolio.

The benefits are twofold: You pay off your home loan sooner and create a future income stream through investments.

While it’s not suitable for everyone, when structured correctly with the right advice, it can be a powerful and tax-effective strategy.

Anne, David & their two children had outgrown their home and desperately wanted to upgrade.They also wanted to avoid cos...
03/09/2025

Anne, David & their two children had outgrown their home and desperately wanted to upgrade.

They also wanted to avoid costly bridging finance.

This meant selling their current property, obtaining finance approval and settling on the new purchase simultaneously.

Selling & buying can be a stressful time. Having an experienced mortgage broker on your team can make all the difference.

If you’d like to better understand the loan application process when selling & buying as well as what’s feasible for you, feel free to get in touch.

If it’s been a year or more, now’s the time to check that your lender has passed on the recent rate cuts and you’re not ...
01/09/2025

If it’s been a year or more, now’s the time to check that your lender has passed on the recent rate cuts and you’re not paying more than you need to be.

Refinancing could help you:
• Secure a lower interest rate
• Reduce your loan repayments or allow you to repay your loan sooner
• Access equity in your property for renovations, investments or your next property purchase
• Consolidate debts like personal loans or car loans, into one manageable repayment
• Switch to a loan that better suits your needs and goals.

Think you might be overpaying? Let’s chat!

The RBA recently reduced the cash rate for the third time this year. What now?1. Maintain your old loan repayments: Even...
27/08/2025

The RBA recently reduced the cash rate for the third time this year. What now?

1. Maintain your old loan repayments:
Even though your minimum loan repayment amount has dropped, continue paying the old amount if possible. You’ll pay off your loan faster and save thousands in interest.

2. Check that your lender has passed on the rate cuts: Not all banks reduce rates at the same time or by the same amount.

3. Compare your rate to ensure it’s still competitive in the market: If it’s not, consider refinancing or asking your bank for a discount.

4. Ask your broker to review your borrowing capacity: If you’re house hunting, investing or looking to refinance, the lower rates may allow you to increase your borrowings.

Need help reviewing your loan or checking your borrowing capacity? Let’s chat.

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Inner West
Sydney, NSW
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