Find Me A Lender

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Click here to book for appointment https://calendly.com/findmealender-info/30min As a Finance Consultant in Australia, We help you secure the best loans tailored to your needs. Whether you’re a first-time buyer or a growing entrepreneur, I provide personalized support every step of the way. Follow us for expert tips and inspiring stories that simplify the loan process. Click the link in my bio for free resources and to schedule a consultation. Let’s find the perfect loan for you!

11/09/2026

Markets move. Sometimes quickly. Sometimes in ways nobody saw coming. And the borrowers who consistently come out ahead aren't the ones who timed everything perfectly — they're the ones who were already prepared when the moment arrived.

Right now, the market is quieter than it's been in a while. Buyer activity has pulled back. Sentiment has cooled. And for a lot of people, property feels like something to think about later — when things feel more settled, more certain, more ready.

But here's what that quiet period actually represents for the borrowers who use it well.

It's time to find out exactly where your finances stand — without the pressure of a property you've already fallen in love with waiting on the other end of the conversation.

It's time to understand your borrowing capacity properly, identify anything that might be holding it back, and put yourself in the strongest possible position before the market shifts again.

It's time to get pre-approval sorted, your documents in order, and your strategy clear — so that when activity picks up and competition returns, you're moving with confidence rather than catching up.

The market doesn't pause while you get ready. It just keeps moving — and the window between where it is now and where it's headed is one of the more valuable ones for preparation that often goes unused.

You don't need to be ready to buy tomorrow. You just need to make sure that when tomorrow comes, you are.

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

10/09/2026

The market is quieter right now. Buyer sentiment has pulled back. And for a lot of people, property feels like something to revisit when conditions feel more certain.

That's understandable. But here's the thing about property opportunities — they don't always arrive when the market feels ready. They arrive when they arrive. And the buyers who move on them aren't always the ones with the biggest budgets or the best timing. They're the ones who were already prepared.

A property that ticks your boxes and sits within your actual budget could come up at any time. In any market. And when it does, the difference between being able to act on it confidently and watching it go to someone else often comes down to one thing — whether your finances were already in order before it appeared.

That means knowing your borrowing capacity before you need it. Having pre-approval in place so you can move without scrambling. Understanding what your deposit covers and what else comes with it. Knowing which lender is right for your situation so there are no delays when it matters.

None of this requires you to be actively looking right now. It just requires you to be ready — so that when something worth moving on does come up, you're not starting from scratch at exactly the moment speed matters most.

The market will shift. Opportunities will emerge. The question is whether you'll be positioned to take them when they do.

That's a conversation worth having now — not when the property is already under offer.

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

09/09/2026

❌FALSE — and this is one that surprises a lot of investors when they find out.

It's a logical assumption. Your investment property generates rental income, that income contributes to your ability to service a loan, so surely it counts in full towards your borrowing capacity. But that's not quite how lenders see it — and the difference matters more than most investors realise when they're planning their next move.

Here's why.

Lenders don't treat rental income the same way they treat salary income. Because rental income isn't guaranteed — tenants leave, properties sit vacant, maintenance costs arise — most lenders apply what's called a rental income shading. This means they only count a percentage of your rental income towards your serviceability assessment rather than the full amount.

The exact percentage varies between lenders — and this is one of the areas where lender selection can make a meaningful difference to your borrowing position as an investor. Some lenders are more generous than others in how much rental income they're willing to recognise, and knowing which ones suit your situation is part of what we do.

On top of that, the costs associated with holding an investment property — rates, insurance, maintenance, property management fees, and the loan repayments themselves — all factor into how a lender assesses your overall position.

So while rental income absolutely helps your servicing — it doesn't help it dollar for dollar. And planning your next investment move based on the assumption that it does can lead to a borrowing capacity that looks quite different in reality to what you expected.

This is exactly the kind of detail worth getting clear on before you start planning your next purchase.

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

09/09/2026

There's no such thing as a silly question when it comes to your home loan. We'd rather you ask it than wonder about it. 💬

We mean that genuinely.

Over the years we've been asked every kind of question you can imagine — from the deeply technical to the ones people preface with "this is probably a stupid question but..." Spoiler: it never is.

And we want to share something that might put a few minds at ease. Some of our clients call us multiple times — sometimes about the same thing — just to make sure they've understood something correctly in their documents. Maybe a condition they weren't sure about. A figure that didn't quite make sense. A clause they wanted to read back to us just to confirm they'd got it right.

We love those calls.

Not because they make us feel needed — but because they tell us our clients are actually reading their documents carefully, taking their loan seriously, and making sure they genuinely understand what they've signed before they move forward. That's exactly what we want to see.

We don't want our clients to nod along and hope things make sense later. We want them to genuinely understand every part of what they're signing, why we're recommending it, and what it means for their financial life going forward.

So whatever your question is — big, small, technical, or the kind you've already asked us twice — ask it again. That's what we're here for. No judgement, no impatience, and no question turned away.

The only question you should regret is the one you didn't ask.

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

08/09/2026

Thank you so much, Cris — this one really means a lot to us. 🙏

Honest. Easy to deal with. Understanding. Working around the clock to get it done. Those are the words Cris used to describe the experience — and honestly, there's no better way to sum up what we try to bring to every client we work with.

Every borrower's situation is different. Some are straightforward. Others take more time, more persistence, and more creative thinking to work through properly. But the commitment to getting it right doesn't change regardless of how complicated the path is.

Knowing that Cris felt genuinely supported and understood throughout the process — and that the outcome was worth the effort — is exactly the kind of feedback that keeps us doing what we do.

Thank you for trusting us with something so important, Cris. We're so glad we could be part of it. 😊

If you're looking for a team that will work hard for you and keep it honest every step of the way — we'd love to help.

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

07/09/2026

A night to remember.

We’re incredibly proud to share that Find Me a Lender was recognised at the My Local Broker Aggregation Awards 2025–2026 Financial Year, as finalists across three categories:

🏆 QLD Brokerage of the Year – Finalist
📱 National Social Media Campaign – Finalist
🤝 Top Rate Chaser Referrers – Finalist

And the cherry on top…

Our very own Senior Broker & National BDM, Dilpreet Gulati, was recognised as a Top 10 Broker nationally.

Ginny and Arpit were proud to represent the Find Me a Lender team on the night in Melbourne and celebrate what has been an incredible year.

Behind every recognition is a team that continues to push boundaries, clients who trust us with their lending journeys, and referral partners who continue to support what we do.

A huge thank you to everyone who has been part of the journey.

We’re proud of how far we’ve come — and even more excited about where we’re going.

MortgageAwards QLDBroker Top10Broker ComplexLending FinanceBroker TeamFindMeALender

07/09/2026

❌FALSE — and this one surprises a lot of people, particularly younger borrowers who have been careful to avoid debt entirely and assume that works in their favour.

The logic makes sense on the surface. No debt means no financial baggage, no missed payments, no complicated history. Surely that's exactly what a lender wants to see?

Not quite.

When a lender assesses your application, one of the things they're trying to understand is how you behave with credit — not just whether you've avoided it. A borrower with no credit history at all can actually present more uncertainty to a lender than one with a modest, well managed credit history. Because without any track record of borrowing and repaying, there's no evidence of how you handle financial commitments when they arise.

A credit card that's used regularly and paid off consistently. A car loan that was managed well over its full term. A personal loan that was repaid without issue. These kinds of credit histories — when handled responsibly — can actually demonstrate financial discipline in a way that a completely blank slate doesn't.

That doesn't mean debt for the sake of it is a good idea. And it certainly doesn't mean existing debts don't affect your borrowing power — they do, sometimes significantly. But the absence of any credit history isn't automatically an advantage, and in some cases it can make a lender's assessment of your application more cautious rather than less.

If you're not sure what your credit history looks like — or how it's likely to be viewed by a lender — that's exactly the kind of conversation worth having with us before you apply.

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

06/09/2026

Honest advice and genuine support aren't opposites. The best version of both is what every borrower deserves — and it's what we try to bring to every conversation we have.

Keeping it real means telling you where you actually stand — not a version of it that's been softened to avoid an awkward moment. It means flagging things that might affect your application before they become problems. It means being upfront when the timing isn't right, when a product isn't the right fit, or when there's something worth addressing before you move forward. It means having the harder conversations early so you're never blindsided by something we could have told you sooner.

But keeping it real without support isn't enough either.

Support means making sure you understand what we're telling you and why — not just delivering a verdict and moving on. It means staying in your corner through the parts of the process that feel uncertain or overwhelming. It means being available when questions come up, following through on what we said we'd do, and treating your loan like it matters — because to you, it does.

Real advice. Genuine care. Clear communication. That's the combination we bring to every client we work with — whether your situation is straightforward or complicated, whether you're ready to move now or still figuring out the plan.

We're not here to make the process feel good at the expense of making it go well. We're here to do both.

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

06/09/2026

Let's be honest — the budget probably doesn't stretch to a whole property this Father's Day. But if Dad has been sitting on the same home loan for a few years without giving it a second look, nudging him in the right direction might actually be one of the more useful things you do for him this year.

Because here's the thing. A lot of dads — a lot of homeowners generally — take out a loan, set up the direct debit, and then quietly get on with life without ever checking whether that loan is still the best fit. Rates change. Lender offerings change. And a loan that was perfectly competitive a few years ago might not be telling the same story today.

So this Father's Day, alongside the breakfast in bed and the card the kids helped make — maybe start a conversation about the home loan too.

When did he last have it reviewed? Does he know what rate he's on? Has anyone ever taken a proper look at whether there's something more competitive available to him right now?

If the answer to any of those is "not recently" or "I'm not sure" — that's where we come in. A loan review takes no commitment, and the conversation alone could be enough to reveal whether there's a better option worth exploring.

Happy Father's Day to all the dads out there. You deserve a home loan that works as hard as you do. 😊

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

05/09/2026

Saving to 20% of a purchase price is a genuine milestone — and reaching it puts you in a strong position. But a lot of buyers get to that number and discover on or before settlement day that there were costs they hadn't fully planned for sitting alongside it.

Here's a general overview of what typically comes with a property purchase beyond the deposit itself — and who you should be speaking to about each one:

**Stamp duty** — one of the most significant upfront costs outside the deposit, and one that varies considerably depending on your state, the purchase price, and whether you qualify for any exemptions or concessions as a first home buyer. Your solicitor or conveyancer will be able to give you the most accurate figure for your specific purchase.

**Legal and conveyancing fees** — the cost of having a solicitor or conveyancer handle the legal side of your purchase.

**Building and pest inspection fees**

**Loan establishment fees** — depending on your lender and loan product, there may be upfront costs associated with setting up your loan.

**Lenders mortgage insurance** We'll walk you through whether this is relevant for you and what it means for your upfront costs.

**Moving costs and immediate property expenses** — easy to forget until they arrive, but worth building into your planning from the start.

Talk to us about the lending and finance side. Talk to your solicitor about the legal costs and stamp duty specific to your purchase. Between both conversations, you'll have the full picture well before you need it.

www.findmealender.com.au
Phone: 1300 078 494
Email: [email protected]

Every borrower's situation is different. This post is general in nature and lender criteria may vary. Reach out for advice specific to you.
Find Me A Lender | ACL: 481374

Address

The Hub, 14/90 Days Road Upper Coomera
Upper Coomera, QLD
4209

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61466553335

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