Loans with Carla

In 1789 the French decided enough was enough and did something about it.

If you want a little liberty from your current car, reach out today.

⭐⭐⭐⭐⭐ Another happy client!

Helping people navigate home finance is about more than just finding a loan. It's about making the process clear, keeping you informed, and being there to answer your questions every step of the way.

Knowing my clients feel supported and confident throughout the journey is exactly why I love what I do.

Thank you for your kind words Brett and for trusting me to help with your home loan refinance. It truly means a lot. 💙

If you're thinking about buying or refinancing, I'd love to help make the process just as smooth for you.

📩 Send me a message to get started.

Thinking about a knockdown rebuild in Ringwood? Here's how construction finance works when you're demolishing an existing property and building new:

- Funds are released progressively as your builder completes each stage, not as a lump sum

- You only pay interest on the amount drawn down during construction

- Lenders require a fixed price contract, council-approved plans, and a registered builder

- The loan converts to a standard home loan once your new home reaches practical completion

Knockdown rebuild projects let you secure an established location without inheriting an older home. The equity in your existing property often reduces the deposit required for the build component.

Send me a DM to discuss your knockdown rebuild plans and how to structure your construction loan.

Specialist vehicles need a broker who knows which lenders actually understand them, and how to present the application so the asset works in your favour.

Property investment in Lilydale has changed significantly since mid-2026. If you are evaluating your first or next rental property, you need to understand the new regulatory and tax framework before you commit.

• Debt-to-income caps now limit how much you can borrow relative to household income

• Negative gearing has been quarantined for most new purchases from July 2027

• Eligible new builds retain tax advantages, but the definition is technical

• Lenders apply a three per cent serviceability buffer and shade rental income by 20 per cent

• Borrowing capacity has contracted even for applicants with strong income

The opportunity to build wealth through property remains, but the pathway requires more deposit, more income, and a longer holding horizon. Call one of our team or book an appointment to discuss your investment loan options.

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https://theloanmachine.com.au/blog/beginners-guide-to-investment-property-challenges

Did you know there are two kinds of credit enquiry?

One affects your credit score, the other doesn't - chat to a broker before you apply.

Odysseus had ten years of wrong turns before he made it home.

Getting business finance without a broker can feel surprisingly similar.

A broker navigates all of it before you take a single wrong turn. We know which lenders suit which deals, what the full cost of a loan actually looks like and how to structure an application that lands well.

Business finance doesn't have to be an odyssey. It just needs the right guide.

It's that time of year - the ATO may give you something back

If you've had your eyes on a new car or home upgrade, now could be the time. Unless you want to be more sensible and chuck in your savings of course.

Car, boat, caravan, home upgrade - we can take care of the rest.