Jessica Clausen - Emmel Finance

Jessica Clausen - Emmel Finance Finance Broker - Nurturing through education and service

📚 Term of the Week: Substitution of Security (also called Loan Portability)What is it?It allows you to keep your existin...
14/06/2026

📚 Term of the Week: Substitution of Security (also called Loan Portability)
What is it?

It allows you to keep your existing home loan when buying and selling, by simply swapping the property the bank holds as security! 🏡➡️🏡

Think of it like this: you’re “swapping out” one property for another, keeping the same loan.

Key things to know:
✅ The property swap must happen on the same day (simultaneous settlement)
✅ Your loan amount stays the same
✅ Your LVR (Loan to Value Ratio) position must stay the same
✅ Your loan term remains unchanged (no variations)
✅ The good news, generally no full loan reassessment is required 🙌, just some bank forms + valuation of the new property to confirm LVRs.

✨ This is a great way to avoid refinancing costs and keep your loan history intact when upgrading or downsizing!

🏡✨ Happy Saturday!Weekends are for house hunting 🏃‍♀️🏃‍♂️ … and maybe a little dreaming too! 💭What’s YOUR property plan ...
12/06/2026

🏡✨ Happy Saturday!

Weekends are for house hunting 🏃‍♀️🏃‍♂️ … and maybe a little dreaming too! 💭

What’s YOUR property plan this weekend?

👉 Are you hitting open homes?
👉 Scrolling listings?
👉 Exploring new suburbs?

💬 Whatever stage you’re at — remember, getting your finances prepped FIRST puts you in the driver’s seat. 🚗💨

Here’s to finding that perfect place! 🏡💛

💍🏡 “If you liked it, then you shoulda put a ring on it…”.. or in this case, put an OFFER on it! 😂👉 Don’t miss out on tha...
12/06/2026

💍🏡 “If you liked it, then you shoulda put a ring on it…”
.. or in this case, put an OFFER on it! 😂

👉 Don’t miss out on that dream home because you weren’t prepared!

👉 Get your pre-approval sorted FIRST — before you start falling in love at open homes.

💡 A pre-approval means you’re ready to move quickly when the right property comes along… because as we know, good ones don’t hang around! 🏃‍♀️🏃‍♂️💨

💬 Need help getting your ducks in a row? I’m here to guide you. 🦆✅

💬 Curious about your options? Got questions about buying, refinancing, or property plans?✨ Let’s have a Discovery Call, ...
11/06/2026

💬 Curious about your options? Got questions about buying, refinancing, or property plans?

✨ Let’s have a Discovery Call, no strings attached, just good guidance.

Sometimes the first step is just having a conversation. I’m here to help you get clear, feel confident, and move forward.

🗓️ DM to book your call.

Got an investment pre-approval? Pause before you buy. 🛑🏡Thinking of buying an investment property with an existing pre-a...
09/06/2026

Got an investment pre-approval? Pause before you buy. 🛑🏡

Thinking of buying an investment property with an existing pre-approval?

You may need to stop and check your numbers again. 👀

Following the Federal Budget announcement, some lenders have already started changing how they assess negative gearing when calculating borrowing capacity.

That means your current pre-approval may not automatically mean you can still borrow the same amount, especially if you’re buying an established investment property.

The key issue?

Your lender may now assess your ability to repay the loan differently. 🏦

Before you sign a contract or rely on an old approval, let’s review:
✅ Your current lender’s policy
✅ Whether your property type still qualifies
✅ Your updated borrowing capacity
✅ Whether your approval needs to be refreshed

The goal posts are moving, and this is exactly when good advice matters. ⚽️

📲 Already pre-approved for an investment purchase? Message me before you make your next move.

☕💸 Small things really can have a BIG impact!Here’s a little food for thought: what if you swapped your Sunday brunch ou...
08/06/2026

☕💸 Small things really can have a BIG impact!

Here’s a little food for thought: what if you swapped your Sunday brunch out for a home-cooked breakfast… and popped that $25 into your super instead?

Meet Cameron, age 30:

👉 He’s decided to skip his weekly $25 café breakfast and put that $25/week ($1,300 p.a.) into his super as an after-tax contribution.

👉 By the time he turns 60, that simple habit could grow to a whopping **$53,776.**💥

All from one small weekly choice! 🚀

Imagine what other small savings could do for YOUR future.

Check out this great example of Cameron from our friends at AMP 👇
👉 https://www.amp.com.au/superannuation/contribute -item-2665581f56-tab

💬 The takeaway? It’s not about huge sacrifices, it’s about little habits that stack up!

💬 Just because no one taught you about finance… doesn’t mean you can’t master it now. 🙌It’s never too late to start lear...
05/06/2026

💬 Just because no one taught you about finance… doesn’t mean you can’t master it now. 🙌

It’s never too late to start learning:
✅ You don’t need a finance degree
✅ No question is too “silly”
✅ You’re not “behind”, you’re just starting where you are

I love helping my clients:
🌟 Understand their home loans
🌟 Build better money habits
🌟 Feel CONFIDENT making big financial decisions

If you were never taught this stuff, you’re in good company. Most of us weren’t! But it’s never too old or too young to learn, and I’m here to guide you through it.

📚 Let’s start where you are. Together.

⚡🚗 Buying an EV? Here’s a fun fact you might not know!When it comes to valuing an electric vehicle, it's NOT about the k...
03/06/2026

⚡🚗 Buying an EV? Here’s a fun fact you might not know!

When it comes to valuing an electric vehicle, it's NOT about the kilometres travelled like traditional cars. 🚘

👉 It’s ALL about the condition of the battery 🔋 because the battery is the most valuable (and expensive!) part of an EV.

If you’re buying a second-hand EV:
✅ Always ask for a battery health certificate
✅ Check how many charge cycles it’s had
✅ Verify remaining battery warranty

Why?
A car with “low kms” but an old or worn battery might cost you BIG on repairs or replacements.

💡 Handy tip: Some lenders are now offering special finance for EVs, if you're curious, I can help you explore options!

💡 Repeat After Me: It’s NOT about the rate! 🏡💰Yes, we love a sharp rate! 📉But here’s the thing:Getting a loan is about ...
03/06/2026

💡 Repeat After Me: It’s NOT about the rate! 🏡💰

Yes, we love a sharp rate! 📉

But here’s the thing:

Getting a loan is about finding the RIGHT match — like a perfect long-term relationship 💑, not just a one-night stand! 😄

Here’s what we really consider when helping you find the right loan:
✅ Your goals: are you planning renovations, debt consolidation, investment?
✅ Your life stage: growing family, career change, retirement?
✅ Your income type: PAYG, self-employed, contract?
✅ Your property plans: future upgrades or sales?
✅ Bank policy quirks: yes, they all have different “personalities” 😉

💬 In short: it’s matchmaking, your financial needs with the right lender.

A lower rate is great, but a mismatch could cause more stress long term.

If you'd like to chat about whether you're ready for a better match, let’s talk. Your dream lender might be out there! 💌

Investors — your borrowing power may have changed. 🏡📉If you’re planning to buy an investment property, your maximum borr...
01/06/2026

Investors — your borrowing power may have changed. 🏡📉

If you’re planning to buy an investment property, your maximum borrowing capacity may not be what it was a few weeks ago.

Some lenders are now changing how they treat negative gearing in their servicing calculations. 🏦

In plain English?

They may no longer give you the same benefit for investment property tax deductions when working out how much you can afford to borrow.

This could impact:
💰 How much you can borrow
🏦 Which lender is right for you
📄 Whether your existing pre-approval still works
⏰ How quickly you need to act before signing a contract

This doesn’t mean investors should panic.

It does mean your strategy needs to be checked properly before you buy. 👀

📲 If you’re planning to purchase an investment property this year, let me guide you through the new lending landscape.

Address

Townsville, QLD

Telephone

+61410681131

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