Sharon Swan - Financial Broker Director Angel's Financial

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Wandong, VIC
Sharon Swan - Financial Broker Director Angel's Financial

Helping families and investors to achieve their dream of home ownership. With over a decade of expertise, providing mortgage solutions across all loan types.

When I am not crunchy numbers and problem-solving, I am dog training and caravanning.

10/09/2026

😂 “I love the bank”… said no one, ever!

So why use a mortgage broker instead?

✨ We have access to 30+ lenders — not just one.

✨ Our job is to understand you — your goals, your needs and even your quirks — then match your situation with the right lender and lending policy.

✨ Because it’s about way more than just the interest rate. It’s about finding the lender that actually says YES to your scenario.

Think of me as your mortgage matchmaker 💘 Except instead of awkward dates, you get a home loan that actually fits. 🏡

💬 DM me and let’s find the right lender match for you.

09/09/2026

🏡 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.

08/09/2026

📈 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.

07/09/2026

🏦 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.

31/08/2026

Monday 31 August 🙌 That’s a wrap for August! What finance tip hit home this month? 💬 Comment below or DM me — and if you’ve got questions, I’m all ears. No judgment, just help.

28/08/2026

🎯 Self-employed? Here's your home loan playbook.

Running your own business doesn’t mean you’re locked out of property — you just need a lender who gets it.

Whether you’re a fresh startup with a new ABN, a sole trader, or managing a complex trust or company structure, there are flexible policies designed just for you.

✨ No financials? No worries. ✨ One year of income? Sorted. ✨ Low-doc or alt-doc? We’ve got options. ✨ Trading under a trust or company? Bring it on.

We literally have a solution for almost every business setup — and knowing which lender fits your scenario is where the magic happens.

Let’s build a finance strategy around your unique business story — not force you into a system that wasn’t made for you.

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27/08/2026

🎯 BUY OR SELL FIRST? The great property juggle 🤹‍♀️🏡

Stuck on what to do first — buy your dream home or sell your current one? Here’s the rundown 👇

📦 SELL FIRST? ✅ Know exactly what you’ve got to spend ✅ No pressure to rush the sale ⚠️ Risk: you might be left couch-surfing while you house hunt

🔑 BUY FIRST? ✅ Snag that dream home before it’s gone ✅ Take your time moving out ⚠️ You could be stuck holding two home loans 😬

💥 Bridging Loans to the Rescue These short-term loans give you up to 12 months breathing space to buy now, get your current home spruced up, styled, and sold — on your terms.

💡 Hot Tip: Bridging loans need planning, prep AND strategy. ✅ Know your numbers upfront ✅ Make sure you qualify before you dive in ✅ And always have a backup plan (because real estate never runs on schedule!)

📲 DM me to crunch the numbers and work out if a bridging loan fits your game plan — before you make your next big move.

26/08/2026

🐾 Happy International Dog Day! Let’s be honest… brokers and dogs have a lot in common: ✔️ We’re loyal ✔️ We chase things relentlessly (approvals, not sticks) ✔️ We work all hours ✔️ And we get overly excited when the postie drops off a formal approval 📬

Today’s the day we celebrate the real MVPs of the home loan journey — the furry friends who sit next to us during Zoom calls, bark during lender updates, and snooze through BDM presentations like true pros.

Got a pup that’s helped you through a tricky deal? Tag them below and show off your four-legged office assistant! 🐶💻

24/08/2026

Monday 24 August 💳 Does your credit card limit affect borrowing power? YES! Even if you never use it, lenders treat your credit limit as a liability. A $10k limit could reduce your borrowing power by $40k or more. 👉 Tip: If you’re not using it, consider lowering or cancelling before you apply. I can show you how it changes your figures.

21/08/2026

Friday 21 August

🧠 Fun Fact Friday: Credit score edition! 📊 Your credit score isn’t just a number — it’s your financial reputation.

And it can affect everything from whether you’re approved… to the interest rate you’re offered.

Here are some quick ways to give it a glow-up before you apply for a loan: ✅ Pay bills & loans on time — sounds obvious, but consistency is key. ✅ Stay in stable employment — lenders love reliability. ✅ Avoid applying for too many credit cards — we know you love points, but multiple applications can seriously ding your credit file. ✅ Keep your credit limits low — even unused limits can impact borrowing power.

🎯 Not sure where you stand? I can help you access your credit file, decode the details, and give you personalised tips to boost your score — before you hit ‘apply’.

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Address

Wandong, VIC
3758

Telephone

+61432450807

Website

http://www.angelsfinancial.com.au/

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