Extra Mile Financial Services

Extra Mile Financial Services Extra Mile Financial Services provides mortgage and lending support across Australia for first home buyers, investors and refinancers.

Clear guidance, honest advice and support in English and Spanish. Extra Mile Financial Services was built on a simple belief: people deserve clear guidance, honest advice, and support that goes beyond the application. Buying a home or arranging finance is one of the biggest financial decisions most people will make — and it often comes with uncertainty, complexity, and pressure. Our role is to rem

ove that friction. We take the time to understand each client’s situation, explain options in plain language, and guide them step by step — from the first conversation through to settlement and beyond. Based in South Australia and working with clients across Australia, Extra Mile supports first-home buyers, families, investors, self-employed professionals, and those new to Australia navigating the local lending system. For many of our clients, being able to communicate clearly — sometimes in Spanish as well as English — makes a meaningful difference. We don’t believe in one-size-fits-all solutions or rushed decisions. We believe in doing things properly, building trust, and helping our clients move forward with confidence. Juan Pablo Aguiar is a Credit Representative (409341) of BLSSA Pty Ltd, ACN 117 651 760 (Australian Credit Licence Number 391237). Nihuil Pty Ltd is a Corporate Credit Representative (403637) of BLSSA Pty Ltd, ACN 117 651 760 (Australian Credit Licence Number 391237).

Fixed, variable or split?There is no single structure that is automatically right for everyone.ASIC Moneysmart recommend...
07/09/2026

Fixed, variable or split?

There is no single structure that is automatically right for everyone.

ASIC Moneysmart recommends comparing the interest rate, comparison rate, fees, repayment type, term and features. A split loan combines fixed and variable portions.

The useful question is not “Which one will win?” It’s “Which structure fits the way I need the loan to work?”

Source: ASIC Moneysmart.

Talk to Extra Mile:
https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

Self-employed income can be more complex to present than a standard salary.The key is to understand the income story, or...
05/09/2026

Self-employed income can be more complex to present than a standard salary.

The key is to understand the income story, organise the documents and identify lender pathways that fit the circumstances.

Requirements vary between lenders, so a complex application should not automatically be treated as a simple one.

If you’re self-employed and considering a home loan or refinance:
https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

If you’re new to Australia, your visa or residency status can affect both the property rules and the lending pathway.Aus...
04/09/2026

If you’re new to Australia, your visa or residency status can affect both the property rules and the lending pathway.

Australian permanent residents can apply for bank loans to buy property.

Foreign persons, including many temporary residents, are currently restricted from purchasing established dwellings from 1 April 2025 to 30 June 2029 unless an exception applies.

Before you start comparing home loans, make sure you understand the rules that apply to your status.

Sources: Department of Home Affairs; Australian Government Foreign Investment.

Talk to Extra Mile:
https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

Australia’s negative gearing rules are changing from 1 July 2027.Future negative gearing for residential property will g...
02/09/2026

Australia’s negative gearing rules are changing from 1 July 2027.

Future negative gearing for residential property will generally be limited to eligible new builds. Existing investments made before 7:30pm AEST on 12 May 2026 are grandfathered under the current arrangements until sold.

For investors considering future purchases, loan structure and after-tax cash flow need to be considered together.

Tax advice is essential for individual circumstances.

Source: Australian Treasury, 2026.

For the lending side of an investment decision:
https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

Equity is the difference between your property’s value and the amount still owing on your mortgage.For some homeowners, ...
31/08/2026

Equity is the difference between your property’s value and the amount still owing on your mortgage.

For some homeowners, it can become part of the finance conversation for a renovation, refinance or next property.

But having equity does not automatically mean a lender will advance the amount you want — borrowing capacity and lender criteria still matter.

If you’re thinking about your next move, we can help you understand the numbers:
https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

Refinancing can save money, but a lower advertised rate does not automatically mean switching is worthwhile.ASIC Moneysm...
29/08/2026

Refinancing can save money, but a lower advertised rate does not automatically mean switching is worthwhile.

ASIC Moneysmart recommends comparing the benefits against switching costs, fees, features, loan term and possible Lenders Mortgage Insurance.

The better question is: will the new loan leave you in a genuinely better position?

If you want your current loan reviewed:
https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

Source: ASIC Moneysmart.

The Australian property market is moving at different speeds.Cotality’s July 2026 Home Value Index recorded:• Sydney: -1...
28/08/2026

The Australian property market is moving at different speeds.

Cotality’s July 2026 Home Value Index recorded:
• Sydney: -1.4% for the month
• Adelaide: -0.2% for the month

The point isn’t to predict what happens next. It’s to recognise that buying in Sydney and buying in Adelaide can involve very different market conditions.

Source: Cotality Home Value Index, July 2026.

Talk to Extra Mile about the finance side of your next move:
https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

A 5% deposit can be enough for eligible first-home buyers to access the Australian Government 5% Deposit Scheme and avoi...
27/08/2026

A 5% deposit can be enough for eligible first-home buyers to access the Australian Government 5% Deposit Scheme and avoid Lenders Mortgage Insurance.

Since 1 October 2025, the scheme has unlimited places and no income caps.

Current price caps include:
• Adelaide — $900,000
• Sydney — $1,500,000

Eligibility and lender criteria still apply.

If you want to check how the scheme fits your situation, talk to Extra Mile:
https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

Source: Housing Australia.

A home loan application isn’t assessed only on the interest rate you expect to pay.APRA’s minimum serviceability buffer ...
27/08/2026

A home loan application isn’t assessed only on the interest rate you expect to pay.

APRA’s minimum serviceability buffer remains 3 percentage points above the loan rate for APRA-regulated banks.

The purpose is to test whether borrowers could continue to service the loan if rates or expenses were higher.

If borrowing capacity is confusing, we can help you understand how the assessment works.

https://calendly.com/juanpablo-extramilefinancial/free-loan-consultation?utm_campaign=general&utm_content=ready

Source: APRA, May 2026. General information only; lender criteria vary.

Address

232 Unley Road
Unley, SA
5061

Opening Hours

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

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