Elending Finance

15/04/2026

🚨 Thinking of buying in 2026?

Let’s work together and help you with the right guidance !

Book in a call with me www.elendingfinance.com.au

06/04/2026

If you’ve been thinking of skipping the deposit and using a guarantor loan, here are just some of the things you may find interesting that no one has told you about 🏡 🔑

1. It’s not forever, you can release the guarantor once you’ve built enough equity and your loan drops below 80% LVR.
2. You can use it for a partial deposit not just $0. If you have 10% saved, the guarantor covers the gap to avoid LMI. This also reduces your total loan.
3. You can be self employed and use a guarantor loan.
4. Your parents don’t hand over any cash they use the equity in their home as security. Their money stays theirs.
5. They don’t go on the title of your home the property is in your name only. They’re security, not co-owners.
6. You can avoid Lenders Mortgage Insurance entirely a guarantor loan bypasses LMI, saving you $10k–$30k+.
7. The guarantee is usually limited, not the whole loan typically capped to the portion above 80% LVR. Not your entire mortgage.
8. You can use it to buy an investment property too not just a first home. Great for growing a portfolio with $0 cash down.
9. The guarantor doesn’t need to own their home outright they just need sufficient usable equity, even if they still have their own mortgage.
10. You still need to prove you can service the loan the guarantee covers the deposit gap, not your income. Repayments still need to stack up.

06/03/2026

ANZ has announced they have been appointed as a participating lender in the Australian Government 5% Deposit Scheme.

A scheme which allows many home buyers to buy with either a 5% deposit or a single parent with 2% deposit and avoid paying LMI.

ANZ is working through the system updates and have not set a date of when the scheme will be available through ANZ yet.

05/03/2026

First home dreams for Kendel & Jacob 🏠
Kendel found me on TikTok and went from not sure if they could buy to approved in 2 weeks from our first interaction.

Everything lined up exactly how it was meant to be, so happy for you both!

Thank you for letting me be part of it ❤️ 🔑

03/01/2026

Save this or send to anyone else who is watching the market in 2026 👀 🏡

Here are the 2026 Reserve Bank of Australia (RBA). Monetary Policy Board meeting dates. Meetings are over 2 days where the dates above are the announcement dates. These meetings are when the Board meets to decide monetary policy including interest rates and accompanying announcements. They are announced at 2:30 pm AEDT/AEST on the dates mentioned.

08/11/2025

Meet Marina Michael ✨
Founder & Head of Lending at Elending Finance

Marina is on a mission to make finance simple, human, and empowering. She’s transforming the way Australians experience lending by cutting through the jargon and helping clients make confident, smart decisions.

You might spot her at an open home or your local coffee shop, connecting with people, listening to their goals, and helping turn them into reality.

With strategy, expertise, and heart, Marina helps clients beat the banks with solutions that truly fit their lives. She believes real wealth starts with knowledge, giving people freedom that ripples through every part of life.

When she’s not helping clients, Marina finds joy in family (She’s a Mami), travel, and her pets 🐈‍⬛ Chandler and 🐶 Zaytouna… And if you ask her husband? She’s a proud Bulldogs supporter 🐾💙🤍

💡 Tag someone ready to take the next step toward their financial goals!

05/11/2025

Helping J secure her first home was such a joy after her stressful previous experience !

Having to deal with a shortfall valuation of over $100,000 ! She tried to extend her cooling off but her second valuation with the second bank was also short because they used the same valuation company! Doing her own research she was sure there was no reason for the valuation concerns.

We worked with Macquarie who accepted our clients contract of sale instead of a physical valuation and secured our clients formal approval in 1 day !

17/10/2025

16/10/2025

Had a great catch-up with Tom yesterday, BDM from Bankwest!

BDM meetings are such an important part of our broking business, keeping us in the loop with latest lender policies and strengthening relationships to provide the best solutions for our clients.

Bankwest has some amazing niches that can certainly get clients across the line in some jams !

Funny enough the same day we had a client come to us who thought they would be in a sticky situation. They had a new role and she was employed under a short term contract. With a few other factors in the mix - Bankwest was a suitable home for her home purchase 🏡

03/10/2025

Our lovely client J had a heap of equity in her property. We helped her refinance to a lender which has a very smooth process. We were able to get her a conditional approval within 24 hours. Once she was able to provide her building documents, her formal approval came in 24 hour after.

Very excited to see what she does with the opportunity to build this granny flat which can house her family or be used for extra income.

📱 0421 18 093
[email protected]

01/10/2025

Ok, so really this government scheme has been around for a few years now. What’s this new hype really about?

From today, 1st October 2025, the government is lifting the limits on a major home buyer scheme:
✅ No more income caps
✅ Higher property price caps
✅ More spots available
✅ Buy with as little as 5% deposit

It’s fantastic news… but it also means more buyers in the market, and history tells us that competition drives prices up - fast.

If property ownership is on your horizon, now is the time to:
1️⃣ Understand your borrowing capacity
2️⃣ Get your finance strategy in place
3️⃣ Be ready to act the moment the door opens

As a broker, mentor, and someone who’s helped countless clients navigate market shifts, my advice is simple: Don’t wait for October to start preparing.

📌 Save this for when you’re ready to buy
📤 Send it to someone who’ll benefit from getting a head start