Broker Codex

Michelle

Home Loan Focus

I help home buyers, property investors and refinancers make confident lending decisions with clear, practical advice. With more than 15 years' experience, I focus on finding the right loan structure for where you are now and where you want to go next.

I’ve been a mortgage broker for more than 15 years, helping clients navigate everything from buying their first home to refinancing, investing and building a property portfolio. My approach is straightforward: I want you to understand your options and feel confident about the decisions you’re making. That means looking beyond simply finding a competitive interest rate and considering the loan structure, features and flexibility that suit both your current needs and longer-term plans. I work with first home buyers, homeowners, refinancers and property investors, and particularly enjoy helping clients when there are a few more moving parts involved. Lending can become complicated very quickly, and a big part of my role is making that complexity easier to understand and giving you a clear path forward. Whether you’re buying your first home, upgrading, refinancing or planning your next investment, I’ll help you understand what’s possible, compare your options and put a lending strategy in place that works for you.
  • Self-Employed
  • Commercial Property
  • First Home Buyers
  • Low Doc Loans
  • Expat Finance
  • Rural & Regional
  • Investment Property
  • Construction Loans
  • Adverse Credit
  • Medical Professionals
  • Single parents
  • SMSF Lending
  • Business Finance
  • Refinancing
  • Bridging Finance
  • Divorce & Separation

Wyee, NSW

Qualifications

  • Diploma of Finance and Mortgage Broking Management

Memberships

  • MFAA
  • FBAA

Credit Representative: 419708

Verified by Codex

Can you help me structure my lending to buy multiple investment properties?
Yes. If you’re planning to build a property portfolio, it’s important to think beyond the loan you need today. I can help you consider lender selection, available equity, borrowing capacity and loan structure with your future purchases in mind. The aim is to make sure today’s lending decisions don’t unnecessarily limit what you can do next.
I’ve been told I can’t borrow any more. Do I have other options?
Potentially. Borrowing capacity can vary significantly between lenders because they assess income, existing debts, rental income and expenses differently. I can review your overall position, identify what may be limiting your borrowing capacity and determine whether there are other suitable lending options available.
Can my SMSF purchase the commercial property my business operates from?
Potentially, yes. Purchasing business premises through an SMSF can be an option for some business owners, subject to superannuation rules and the appropriate structure being in place. I can help you understand the lending requirements and work with your other advisers throughout the process.
Can you help with commercial property and business lending?
Yes. I can assist with a range of commercial lending needs, including purchasing or refinancing commercial property and funding for business purposes. Commercial lending can work quite differently to residential lending, so I’ll help you understand the available structures, lender requirements and costs in plain English.
Can I use equity in my existing property to fund my next investment?
Potentially, yes. If you have available equity in an existing property, it may be possible to use this towards the deposit and costs of your next investment. How that lending is structured can be just as important as how much you can borrow, particularly if you’re planning further purchases. I can help you understand your available equity and structure the lending with your longer-term investment plans in mind.
“Michelle has provided wonderfully efficient service through the process of obtaining a loan. I thoroughly recommend her!”
“Michelle helped us with refinancing and was very thorough and helpful. Definitely would recommend her to friends and family.”
“Michelle was so helpful throughout the whole process of me buying my first home. Thanks for going above and beyond. I highly recommend!”
“Absolutely amazing support. Highly recommend! A big thank you to Michelle for all of her help and guidance during our refinance.”
“Thank you Michelle for your gift pack! Completely unwarranted but appreciated. Feels like I should be sending you something instead considering how helpful and easy you made everything. I will be contacting you again next time, and have recommended you to my mother because you were so helpful. Thanks again!”