Jessica Clausen - Emmel Finance

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Townsville, QLD
Jessica Clausen - Emmel Finance

Finance Broker - Nurturing through education and service

15/09/2026

💥 The Secret Power of Pre-Approval

Did you know a significant number of properties can change hands before ever being publicly advertised? 👀

That means buyers who already have their finance organised and are speaking with local agents can sometimes hear about opportunities before everyone else.

And that’s where a strong pre-approval can help.

✨ Why pre-approval matters
💪 Shows you’re serious
⏱ Can make the buying process faster
🏡 Helps you understand your realistic price range
🔥 Can put you in a stronger position when the right property appears
⚠️ But not all pre-approvals are created equal.

Some may be system-generated and completed without a full credit assessment.

That’s why it’s important to understand exactly what your pre-approval means and what conditions still apply.

👩‍💻 My job is to help you choose the right lender, prepare your application properly and give you the confidence to make an offer when the right property comes along.

📲 Want to get purchase-ready? Book a time with me via DM

13/09/2026

This is one of the most common questions I get:

“How much deposit do I need?”

The short answer?

👉 It depends.

There are several things we look at, including:
1️⃣ Government guarantee schemes
2️⃣ LMI waivers
3️⃣ Parental guarantors
4️⃣ Your maximum borrowing capacity
5️⃣ Your ideal purchase price
6️⃣ Whether you’re buying to live in the property or as an investment

As you can see, there’s no single deposit amount that works for everyone.

Want to know what your number looks like?

📅 DM me to book in a time to discuss.

11/09/2026

🌟 Everyone’s Property Journey Is Different

🏡 Buying your first home?
💼 Investing in property?
👨‍👩‍👧 Looking for more space for the family?

Here’s the thing: no two property journeys look exactly the same.

So try not to compare your position with somebody else’s.

Instead, get informed, understand your options and make decisions that make sense for your life and your goals.

✨ That’s exactly what I help my clients do.

Together, we can:
📝 Break down your goals
💰 Understand your financial position
🏡 Explore finance and property options that actually fit YOU

💬 Don’t know where to start?

Book a consultation and let’s make your property journey feel a whole lot clearer.
Your journey is yours. Make sure your finance strategy is too.

09/09/2026

💛 Sometimes one simple question can open the door to an incredibly important conversation:

“Are you OK?”

Take a moment today to check in with the people around you — your family, friends, colleagues and community.

And if someone doesn’t seem quite themselves, reach out.

💛 Listen.
💛 Be present.
💛 Keep the conversation going.

Sometimes knowing someone cares can make all the difference.

08/09/2026

🏡 Mortgage Jargon You Actually Need to Know

Buying a property is confusing enough without an alphabet soup of lending acronyms.

Here are three you’ll hear all the time 👇

🔹 LVR = Loan to Value Ratio
This is how much you’re borrowing compared with the value of the property.

👉 Calculation:
Loan Amount ÷ Property Value × 100
Example:
$480,000 loan ÷ $600,000 property value = 80% LVR

🔹 DTI = Debt to Income Ratio
This compares your total debt with your annual income.

👉 Example:
Income = $100,000
Total debt = $600,000
DTI = 6

Most banks will have their own limits and assessment rules around higher DTIs.

🔹 LMI = Lenders Mortgage Insurance
LMI may apply when you’re borrowing more than 80% of the property value.
And an important point: it protects the lender — not the borrower.

👉 Example: On a $600,000 purchase with a 10% deposit, LMI could potentially cost around $12,000–$15,000.

✨ Still confused?

That’s what I’m here for. I’ll skip the bank jargon and explain what the numbers actually mean for you.

💬 DM me and let’s talk through your borrowing options.

07/09/2026

📈 Want to Give Your Credit Profile a Glow-Up?

Your credit score is a bit like your financial reputation.

And when it comes to applying for finance, a stronger credit profile can mean more lender options.

Here are a few ways to look after it:
✨ Pay on time — bills, loans and other commitments.
✨ Maintain employment stability where possible.
✨ Reduce credit card limits and balances — and consider closing cards you no longer need.
✨ Be careful with new credit enquiries — including BNPL, personal loans, car finance and multiple pre-approvals.
✨ Keep your accounts in the green — avoid exceeding limits or missing repayments.

📈 A healthier credit profile can mean more options when it’s time to borrow.
Want to understand where you stand before applying?

💬 DM me for a credit health check.

06/09/2026

🏦 Buying Through a Company or Trust? Here’s What You Need to Know 👇

Some banks have been pulling back from lending to companies and trusts, but the good news is, we still have options.

Here are a few things you need to know:

✅ Borrowing limits
• Most lenders: up to 80% LVR without LMI
• One lender: up to 85% LVR without LMI

✅ Trading restrictions
• The company or trust will usually need to be non-trading
• Dividend income from shares may be acceptable with some lenders
• Rental income from investment properties may be acceptable
• Only a handful of lenders will consider trading entities

✅ Additional requirements
• A certified trust deed will generally need to be provided
• Higher interest rates may apply
• The lender will usually review the trust structure upfront to make sure it is acceptable

✨ Broker tip: Getting the structure right from the start can save you time, money and stress later.

💬 Thinking about buying property through a company or trust? Reach out and I can help you understand which lenders may suit your structure and what documentation you’ll need.

04/09/2026

💸 Are You Paying the “Loyalty Tax”?

Are you paying more on your mortgage simply because you’ve stayed with the same lender for years?

That’s often referred to as the loyalty tax, and over time, it can cost borrowers thousands.

For some customers, refinancing has also become harder because higher interest rates mean they may no longer pass a new lender’s standard servicing assessment.

👉 But there may still be options.

Some lenders may assess eligible refinances using a lower test rate rather than the standard 3% serviceability buffer.

That can potentially help borrowers move to a better deal where the new repayments and interest rate are lower than their existing loan.

As your broker, my job is to look at your whole financial position.

That might mean:
🏦 Negotiating a sharper rate with your existing lender
🔎 Comparing your loan with other lenders
🧮 Working out whether refinancing genuinely makes financial sense
📩 Send me a DM to book a home loan review and let’s make sure loyalty isn’t costing you.

02/09/2026

Twelve months ago, Lisa came to me with one big goal—to purchase a property of her very own.

At the time, she wasn’t quite sure where to begin or what steps she needed to take to make it happen. Together, we reviewed her position, created a clear plan and stayed in touch as she worked towards becoming ready to buy.

Fast-forward 12 months, and Lisa has officially achieved her goal and purchased her own home! 🎉🏡

It was such a privilege to guide her through the process and see all her hard work pay off. Congratulations, Lisa, you did it!

01/09/2026

🏡 How Guarantor Loans Work: aka the Bank of Mum & Dad 😉

Don’t qualify for a government guarantee scheme or an LMI waiver?

You may still have another option to help you avoid LMI and get into the property market sooner: a parental guarantor loan. 🚀

Here’s how it can work:
✨ Your parents — or another eligible close family member — use some of the equity in their property to support your loan.
✨ This can mean you don’t need the full 20% deposit.
✨ And potentially, you can avoid the additional cost of LMI. 💸

Example 👉
Sarah’s parents came on as limited guarantors, using equity in their home to give Sarah the support she needed to buy her first property without a large deposit or LMI.

🙌 Pretty clever, right?

If you’re wondering whether a guarantor loan could help you get into your new home sooner, let’s chat and see whether it could work for you.

Address

Townsville, QLD

Telephone

+61410681131

Website

http://www.emmelfinance.com.au/

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