Personal Finance Services 

Personal Finance

Finance in Heels loves to make dreams come true- but we know that the process of securing finance can seem more like a nightmare! We do all your paperwork, we do all the research to find you suitable options and we work with the lenders to get your application over the line to bring your financial dreams to life. Best of all? We don’t charge you a cent.

Home Sweet Home
Home Loans

Whether you’re purchasing your first or second home, Finance in Heels will help you navigate the lending landscape, recommending suitable products to meet your financial goals and achieve your home ownership dreams.

Investment Loans
Investment Lending

Looking to expand your investment portfolio, or release equity for future wealth-creation opportunities, there’s a myriad of possibilities and variables, let Finance in Heels help you navigate the varying funding available and get it right the first time.

Boats
Cars, Boats & Caravans

At Finance in Heels we want you to experience the joy that comes with that new car smell, or the salt in your hair when you’re out on the bay in your new boat. So let us save you time, stress and the hassle of trying to find finance.

Mortgage Refinance
Home Loan Refinance

With our expert guidance and support, refinancing can be a smooth and relatively painless process, we promise. We’ll guide you in choosing a home loan that’s suited to your circumstances, potentially saving you thousands extra in interest on your repayments.

Cashflow Finance
Debt Consolidation

Find your wallet buldging with plastic? Need help getting on top of mounting debt? Finance in Heels can help roll existing loans & debts into one easy to manage loan – one loan means only one repayment.

Budgeting
Budgeting

Having a budget helps you to feel in control of your money. You can put aside money for big bills when they arrive, and plan savings to achieve your money goals. Feel overwhelmed or need some accountability, Finance in Heels can help.

Vehicle Buying Service
FREE Vehicle Buying Service

Purchasing a vehicle can be exciting but stressful and time consuming. Why not let Finance In Heels take the stress out of purchasing your next vehicle. We provide you access to a FREE Vehicle Buying Service for new passenger and light commercial vehicles. Its as easy as 1, 2, 3…

Finance In Heels

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F.A.Q.

How much can l borrow?

Borrowing power is a term lenders use to describe how much you may be able to borrow, based on your financial situation. Factors that affect your borrowing power can include how much you earn, how much you owe or repay on other debts such as credit cards, how much you’ve saved as a deposit and whether you have a guarantor. There is no one size fits all answer, but Finance in Heels can help you determine how much you can borrow and from where.

How much do l need for a House Deposit?

Generally you need a minimum 5% deposit plus costs. A deposit between 5-20% will require Loan Mortgage Insurance (LMI) to be paid. This can be built into the loan. The more you save the more options and equity you will have.    

We don't live in Victoria, can you still help us?

Absolutely we can. Our mortgage brokers help people all across Australia. We have approved loans for customers in every state and territory, from small regional centres to large inner city suburbs. 

How much of a deposit do l need to save?

This varies depending on your situation and how each lender assesses your borrowing capacity.
The minimum deposit required is 5% plus fees (Stamp Duty, Mortgage Registration Fees, etc), however Loan Mortgage Insurance (LMI) will apply to loans for more than 80% of the property value, this is known as the Loan to Value Raito (LVR).

 

Should l apply for a Pre-Approval?

Not all lenders provide Pre-Approvals, however it is highly advisable that a Pre Approval is completed prior to making an offer on a property. It is the best indicator that your scenario will be acceptable by the lender and gives you confidence to go house hunting, make an offer or participate in an auction.

How do Brokers get paid?

We are paid a commission and trail by the banks for introducing new applications and for doing much of the work that would otherwise be done by one of their staff.
It is like we are a bank manager that works for many lenders instead of just one. This outsourced approach is very efficient and benefits both the consumer (you) by providing more choice and the bank as they only pay for applications that are successful and settled. The commission paid is in no way built into your loan or paid by you.

Why should l use a Broker?

Choice: We work for you not a bank, meaning we compare hundreds of loans and products to find you the one that’s suitable for you. 
Convenience: We work with you and your schedule and complete all the paperwork and follow ups on your behalf, saving you time.
Knowledge: One banks ‘No’ is another banks ‘Yes’ and we know exactly what each lender is looking for to get your application approved the first time.
Savings: We have access to lenders, and often special deals, that aren’t available to the general public, we can compare and find you a suitable and competitive product.

We Speak Bank

and we love to provide finance tips and tricks in a way that makes sense.