FinSorted

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from FinSorted, Mortgage brokers, Suite 1. 02, 202 Jells Road, Wheelers Hill.

01/04/2026

Long weekend ahead! 🐣 Hope you get some genuine downtime over the next few days. Whether you're travelling, staying local, catching up with family, or just enjoying a few days off the usual routine, make the most of it!

The office is closed Good Friday through Easter Monday. Back Tuesday, April 22nd.

Enjoy the break!

30/03/2026

Australian Broker is running their annual 5-Star Brokers survey, and we'd love your support if we've worked together! If you were happy with the service and have a couple of minutes to spare, your vote would mean the world. It's a simple survey that helps recognise brokers doing good work across the industry in Australia.

Nominations close Friday, 10 April.

🔗 https://loom.ly/dVjvd4w

Really appreciate you taking the time!

25/03/2026

KDR works best where land is premium but housing stock is aging. You're paying for location and lot size, not the house itself.

Inner and middle ring suburbs fit this perfectly. Bentleigh, Oakleigh South, Reservoir, Coburg, Pascoe Vale, Dingley Village, Croydon, Glen Waverley. These areas have established infrastructure, good schools, proximity to employment hubs, and strong community feel. But many homes were built in the 1960s-80s and haven't been updated.

You'll find tired three-bedroom brick veneers on decent blocks (600-800sqm) selling for $900K-$1.2M. The land is worth most of that. The house adds minimal value because it needs major work or complete replacement.

Compare that to buying a renovated four-bedroom modern home in the same suburb for $1.6M-$1.8M. KDR lets you build that same modern home for $500K-$650K, keeping your total cost around $1.4M-$1.5M while avoiding stamp duty on the build component.

Thinking about KDR in one of these areas? Let's talk about how construction finance works and whether the numbers stack up for your situation.�📞 1300 924 008

23/03/2026

Stop letting myths keep you overpaying on your mortgage. Most of the concerns about refinancing aren't based on reality. Is staying on your current rate actually the easier choice, or just the familiar one? If you've been putting off a loan review because of one of these myths, let's have a 10-minute conversation about your current situation.�

📞 1300 924 008

18/03/2026

You get the location you want without compromising on the house itself. Perfect suburb, great street, near good schools. But the house is tired, outdated, or just doesn't work for how your family lives. KDR solves that!

✅ Energy efficiency is built in. Modern insulation, double glazing, efficient systems. Your energy bills drop immediately and stay low as utility costs rise.
✅ Maintenance is minimal for years. No roof repairs, outdated plumbing, or electrical rewiring. Everything is new, under builder warranty, designed to current standards.
✅ The layout works for how families actually live now. Open plan connecting kitchen to living areas. Adequate storage. Ensuites. Spaces designed around modern life, not 1970s floor plans.
✅ No renovation regret. You're not compromising on someone else's choices or discovering six months in that you hate the layout. You design exactly what you need.
✅ And you only pay stamp duty on the land purchase, not the build cost. On a $800K property rebuilt for $500K, you save roughly $29,000 in stamp duty versus buying an equivalent $1.3M established home.

KDR finance works differently (construction loan, staged payments), but when structured properly it's often more cost effective than buying established in the same area. Let’s have a chat!
📞 1300 924 008

17/03/2026

The Reserve Bank just lifted rates by another 25 basis points to 4.10%. Second increase in two months. If you're on a variable rate, expect your repayments to increase. On a $600K loan, this adds roughly $90 per month, or about $1,080 per year. If your fixed rate is ending soon, you're now rolling onto a higher variable rate than you were even a month ago. Next RBA announcement: May 5th. Further increases can't be ruled out if inflation doesn't cool. Review your mortgage now. Can you absorb another rise if it comes? Should you lock in part of your loan? Are you paying more than you need to? Don't wait to see what happens next.
�📞 1300 924 008

11/03/2026

You probably spent weeks researching comp data, leveraging competing offers, optimising your package. Base salary, equity, bonuses. You got it right.

But when did you last review your mortgage rate?

Most IT specialists we work with are meticulous about career progression and compensation. Then they lock in a home loan and never look at it again. But your rate from 2-3 years ago isn't competitive anymore. Lenders are fighting for new customers with rates 0.5-1% lower than what existing borrowers pay. On a $700K loan, that's $3,500-$7,000 per year you're leaving on the table.

You're in a high tax bracket. You notice inefficiency everywhere else. Why accept it on your biggest debt?

A refinance review takes 10 minutes. We compare your current loan against what you're eligible for now. If there's a better option, we move forward. If you're already competitive, we tell you to stay put. When did you last check?�

📞 1300 924 008

09/03/2026

Yes! And it's actually one of the biggest financial advantages of KDR that most people don't realise. You only pay stamp duty on the purchase price of the property (land + existing house), not on the cost of your new build.

Let’s say you buy a tired property for $800K ($600K land value + $200K old house). You demolish it and build a new home for $500K. Your total investment is $1.3M, but you only pay stamp duty on the $800K purchase price. If you bought an equivalent brand-new $1.3M home instead, you'd pay stamp duty on the full $1.3M. That's roughly $73,000 in Victoria versus $44,000 on the $800K property. You've just saved $29,000!

The bigger your build budget relative to the land purchase, the more you save. And unlike buying established, where you're paying for someone else's renovation choices, you're getting a brand-new home designed exactly how you want it, while keeping more money in your pocket.

This is why knock down rebuild makes so much sense in established Melbourne suburbs where land is premium but housing stock is aging. You get the location you want, the home you want, and a significant stamp duty saving. Planning a knock down rebuild? Let's talk about structuring your finance properly to maximise the advantage.
📞 1300 924 008

07/03/2026

Happy International Women's Day! 💜

Today I'm reflecting on the women who've shaped my journey, both personally and professionally.

Avni, of course, who's been my constant support through every challenge, every late night, every big decision. Thank you. None of this works without you believing in it first.

To the women in my network, thank you for your expertise, professionalism, and collaboration. You're the backbone of this industry, even when the recognition doesn't always reflect that.

To my clients, especially the women navigating property decisions solo, balancing careers and families, or building wealth on their own terms: it's an absolute privilege to support your goals. Your determination inspires me to keep showing up and doing this work well.

Here's to the women who lead, support, challenge, and build. Today and every day.

Nilesh

03/03/2026

Most people think refinancing is only about chasing a 0.2% or 0.5% rate reduction. And yes, rate does matter! On a $600K loan, even 0.3% saves you about $1,800 per year.

But refinancing is really about optimising your entire loan structure for where you are now, not where you were when you first borrowed. It could mean accessing equity you've built up for renovations, investment, or debt consolidation - without selling. Switching to an offset account so your savings work harder. Splitting fixed and variable to hedge against rate uncertainty. Changing repayment strategy because your priorities shifted. Consolidating high-interest debt (credit cards at 20%, car loans at 8%) into your mortgage at 6.5%.

Rate is just one piece. When we review a refinance, we're looking at your whole position. Sometimes the answer is stay where you are. Often, there's a better way to structure this that saves money and gives you more flexibility. Give us a call, let’s crunch some numbers.�📞 1300 924 008

25/02/2026

Big congratulations to Gary, Mandy & Manu! 🎉🍰 They've just become the proud owners of their 4th The Cheesecake Shop location, this time in Cranbourne, Victoria. From one store to four, watching their business grow has been a privilege.

Thank you to Penelope Leonard at NAB for her support in making this happen. Great teamwork between broker and banker makes all the difference for clients.

Gary, Mandy & Manu: thank you for trusting us with your finance needs again. Your ambition and hard work are inspiring, and it's an honour to be part of your journey as you expand. Here's to the success of the new Cranbourne store and whatever comes next! 🚀

23/02/2026

Regional Victoria is outpacing Melbourne in price growth, and the gap is widening. Combined regional values grew 10.3% in the 12 months to January, versus 9.2% for capital cities. Regional Victoria rose 9.2% last year, with Rochester north of Bendigo jumping 48%, Tatura in Shepparton up 21%, and Warracknabeal in the Grampians rising 19%.

It's a structural shift driven by Melbourne's affordability crisis, remote work normalisation, and lifestyle priorities that changed permanently post-pandemic. Domain's senior economist says regional markets will likely continue outperforming capitals due to greater undersupply, stronger rent pressure, and worsening affordability in cities. And the latest RBA rate hike will only accelerate this as Melbourne buyers face increased mortgage stress.

The Regional Australia Institute estimates two in five city dwellers are considering a regional move. Investors are also driving growth through rentvesting (renting in Melbourne while buying affordable regional properties with strong yield and capital growth).

Need help structuring finance for a regional purchase or investment property? Let's talk.
📞 1300 924 008

Address

Suite 1. 02, 202 Jells Road
Wheelers Hill, VIC
3150

Telephone

+611300924008

Website

http://www.finsorted.com.au/

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