Reasons to Consider Refinancing Your Mortgages
Check out why refinancing your mortgages in Australia can lead to financial savings and stability.
MORTGAGE BROKER
in Melbourne, Australia
Cara Julian is a mortgage broker on a mission to help close the gender finance gap.
My passion lies in helping women navigate the mortgage process with financial confidence & bravado.
Let’s take the first step together xx
I’m Cara.
Cara Julian Mortgage Broker
Cara Julian Mortgage Broker
I see a world where women have the confidence to make a change.
To challenge the status quo, take control of their finances & navigate the property market to secure their financial future.
With access to tailored refinancing options and personalised financial guidance, I’m here to support you every step of the way as you secure your financial future.
“A woman’s best protection is being financially independent.”
It is my goal to take you
From Feeling This:
- Alone & unsupported in your world of finances
- Overwhelmed by financial complexity & scared to make a change
- A lack of confidence & knowledge holding you back from taking that first step
To Feeling This:
- Supported on your journey with professional mortgage advice
- Assured knowing you have a game plan that aims to help you reach your goals, whether for property investment or homeownership
- Improved confidence by having access to education,support and guidance on your journey
How can I help you?
Simply click on the right button below and let me help you
to find the right lending solution for you.
I’m looking to buy a home or investment property
I’m looking to refinance my current mortgage
Still not sure which one is best for you?
I can help you navigate the options and find a solution that supports your unique situation.
Reach out to me today!
My specialty is working with women – because I have been where you are now. I know the road. Whether you are buying a home, an investment property or refinancing, I’ve got your back. I can help you navigate the mortgage process with confidence, control and ease. Showing you that ‘you’ve got this’!
Let’s take the first step together.
Think of your mortgage broker as your
Personal Home Loan Shopper
At Brava Finance we offer tailored home loan services to suit your unique needs, providing access to over 50 different lenders. We understand different lender policy, niches and have established relationships with the lenders to help assist in more favourable loan term negotiations. And we must operate under Best Interest Duty (BID) to ensure our recommendations are within your best interest - something a lender does not need to abide by. It is also an opportunity to find a lender with products that fit you - not being forced to fit within product policy of one given lender that you have gone direct to. We take all of the legwork out of it for you - happy days!
At Brava Finance, we’re here to support you on your home loan journey. Think of us as your personal shopper—but for home loans! With access to over 50 lenders, we offer tailored home loan solutions to suit your unique needs, ensuring you’re matched with a product that suits you, not forced to fit into a one-size-fits-all policy.
Our expertise lies in understanding the ins and outs of lender policies, uncovering niche options, and leveraging our relationships with lenders to potentially negotiate more favorable loan terms on your behalf. Plus, as mortgage brokers, we operate under the Best Interest Duty (BID)—meaning we’re legally required to prioritise your best interests, unlike lenders who don’t have this obligation.
By working with us, you’re not just getting access to a wide range of lenders; you’re gaining a partner who takes care of all the legwork. No more confusion, no more hassle—just tailored solutions and more streamlined paths to approval. Happy days indeed!
Professional Admin Assistant
At Brava Finance, we’re more than just mortgage brokers—we’re your behind-the-scenes powerhouse, ensuring your loan process is carefully managed every step of the way. Think of us as your professional admin assistant for all things home loan related.
We are your support team every step of the way. From assisting in the collection and organising of your information to conducting thorough checks, credit assessments, and ensuring all balances align, we leave no stone unturned to create a strong and compelling application. Once everything is in order, we prepare and submit your loan application on your behalf, saving you time and effort.
But our job doesn’t stop there. We diligently track the progress of your application, keeping you updated every step of the way and navigating any hurdles that arise. From submission to settlement, your application is in capable hands.
Ongoing Loan Adviser
Your journey with Brava Finance doesn’t stop at settlement—it’s just the beginning of a long-term partnership. As your ongoing loan adviser, we’re here to support you throughout the life of your loan, providing proactive guidance and ensuring your loan continues to work hard for you.
We periodically review your loan to make sure it remains competitive in the ever-changing market. If more competitive options become available or your financial circumstances evolve, we’ll present refinancing opportunities tailored to your needs. Whether it’s a rate reduction, unlocking equity for other goals, or adjusting your loan to suit lifestyle changes, we’re committed to keeping you informed and empowered.
With us by your side, you can feel more confident knowing you have an experienced advisor looking out for your best interests, ready to help you make confident financial decisions at every stage of your property journey.
The Mortgage Process for a Property Purchase
The mortgage process may seem challenging, but with the right guidance, it becomes more manageable and rewarding. Here’s a step-by-step overview:
- Initial Consultation: We start by sitting down with you to assess your financial situation, goals, and loan eligibility. During this step, we’ll discuss your income, expenses, asset & debt position and credit history.
- Pre-Approval: We will look to help you secure pre-approval from a lender, so you know how much you can borrow. This gives you more confidence and clarity as you begin your property search.
- Property Search: Together, we’ll ensure you’re ready to look for your ideal property. Whether you’re a first-time homebuyer or seasoned investor, consider factors like location, size, and growth potential.
- Loan Selection: We will identify suitable loan products tailored to your needs, including a comprehensive loan comparison of interest rates, fees, and repayment options.
- Application Submission: Once you’ve decided on a lender & product, we will handle the preparation and submission of your application, ensuring credit policy is met & all required documents are included.
- Approval & Valuation: We will guide & support you through the lender’s review process, including the property valuation. Once approved, you’ll receive a formal loan offer, bringing you one step closer to your new home.
- Settlement: We will assist you in coordinating with your legal team to finalise the purchase. Once settlement is complete, you can pop the champagne as the property will officially be yours.
Additional Resources
Mortgage Terms
Explained
Whether you’re a first-time buyer or looking to refinance, becoming familiar with
these mortgage terms will empower you to navigate the mortgage process with confidence.
Step-by-step Guide for
First-Time Home Buyers
This valuable resource breaks down the entire mortgage process into manageable steps, ensuring that you have a clear understanding of what to expect and how to prepare.
What my customers are saying
Cara was brilliant, very easy to dea with and always followed up and kept us in the loop through the whole refinancing experience.
Highly recommend Cara to anyone
David
We have had the pleasure of dealing recently with Cara. We found Cara amazing to deal with, very helpful, and made our refinance super easy. Highly recommend and we will be recommending to family and friends.
Thank you, Cara!
Fayez and Suzanne
Cara is beautifully relatable. Nothing was too much trouble. She was really supportive and hugely efficient the whole way through the process. I will use her every time!
Alex
Proactive, detail orientated and an absolute pleasure to deal with. I couldn’t recommend Cara highly enough.
Andrew
Stay Informed
A Beginner’s Guide to Investment Property Financing in Australia
Find out the basics of investment property financing in Australia. Learn about loans, deposit requirements, and government incentives.
How a Principal and Interest Calculator May Be Able To Help You
Learn how a principal and interest calculator can assist Australians in managing mortgages and achieving financial independence.
Use our Calculators to:
- Calculate your loan repayment
- Calculate your gross annual income
- Calculate your maximum borrowing capacity
- Calculate your refinance savings
- Calculate how much you can save by extra repayments
Frequently Asked Questions
Home loan pre-approval (or conditional approval) means that a lender has agreed, in principle, to lend you money towards the purchase of your home but hasn’t proceeded to full or final approval.
A pre-approved home loan serves as a valuable instrument for prospective homebuyers, as it provides insight into the affordable amount for purchasing a property, may help you improve your negotiating position and to look with more confidence.
Owning a house comes with its own set of financial considerations, one of which is whether or not to refinance your mortgage. Refinancing may appear overwhelming at first, but it may provide many benefits for homeowners trying to better manage their changing financial situation. These benefits include: a more competitive interest rate, changing loan terms, switching loan types, and accessing home equity.
It is important to consider the costs of refinancing when making your decision. Typical costs involve a mortgage discharge fee, new lender set up fee and settlement fees.
Buying a home is a big step in anyone’s life. A mortgage broker can act as a guide, there to support you every step of the way.
There is a lot to understand including different rates, product features, loan terms, etc. This is where a mortgage broker can be a really helpful resource on your team.
Paying off your mortgage early comes with a host of benefits, both financial and emotional.
Here are 5 ways that may help you:
1. Make bi-weekly payments
2. Make lump sum payments
3. Refinance to a shorter-term
4. Make extra repayments
5. Cut unnecessary expenditure
Start your journey with me today!
Get in touch with me and find the right lending solution for you
Our Lenders
We have access to over 50 different bank and non-bank lenders, so let us do the leg work for you!
