Fostering genuine long-term relationships means Carolina can provide strategic support, working together to help you achieve your financial needs and property goals.

Buying my First  Home

Is it time to make your home buying dream come true?

You've been saving for years now, and thanks to lenders releasing new and competitive products and the government ready to give you a boost, it's finally time to start house hunting.

You've probably got your eye on rates, and that's important, but there's a lot of factors that come into play to decide what lender is best.

At FINZEN, we have access to over 40 lenders and hundreds of different loans. While I can't predict the future, I can help plan for it and factor in possible rate changes so that the mortgage is still serviceable in the months and years to come.

I will guide you through every step of the loan process so you’re completely satisfied with your finances.

It's my promise to you to do all I can to make this a stress free experience, giving you a wonderful start to life as a homeowner.

Let's buy some property

What will we do?

  • Sit with you, learn your needs and assess your options
  • Do the research to find your loan solution and answer any questions
  • Handle the paperwork, including a First Home Owner Grant application if it’s available to you
  • Keep you informed during the whole process
  • Guide you through every step of the loan process
  • Review your rate regularly

Building your Property Portfolio

Building your wealth

Investing in property is its own special niche. The needs of an investor are totally different to that of an owner occupier. As we work with a wide variety of lenders, we are confident we can find you a suitable lending option to help you build sustainable wealth.

Need an interest only loan?

Do you want to build your wealth by accessing home equity for investment in property or even shares? We’ve got access to options which allow the credit limit to remain constant for up to 10 years with interest only investor loan options.

Can I use a Home Equity Loan to buy another house?

A popular way to buy a second property, including an investment property, is to use the equity on your existing home, meaning you may not have to put any physical cash towards the deposit. When it comes to your usable equity and borrowing power we can talk to you through the possibilities.

Build or Renovate

Book a chat with Carolina

Building a home or planning a major renovation?

By giving you access to only the cash you need at the stages you need it, you save money by only paying interest on the money that you draw down.

The money is released in stages as construction progresses.

This is known as making progress payments. It helps to monitor the build and ensure you’re only paying for completed work.

You only pay the interest on your loan until construction is finished.

You don't have to make repayments on your full loan amount during construction, which means you could have extra money handy for unexpected expenses or rent to stay somewhere while you're building.

Suitable for big renovations.

They aren't just suitable for building a new home – a construction loan can be good for your next major renovation.

Book a chat with Carolina


When was the last time you refinanced your home loan?

If it has been more than 6 months, it may be costing you money.

With pressure on lenders to remain competitive, the lending landscape is always changing. It's possible that what was best for you initially may no longer be in your best interest.

The first step to refinancing is understanding your needs. You can then identify which home loans are best suited to your financial goals.

Why do you want to refinance?
  • Pay less each month
  • Pay off loan sooner
  • Get cash out
  • Consolidate debt

Debt  Consolidation

It may be cheaper for you to consolidate all your debts with your home loan, having the flexibility to pay off your debts quicker as well as reducing your overall financial commitments. We will analyse your finances carefully to determine whether refinancing is recommended.
There are many reasons to switch or consolidate debt into one easy-to-manage home loan. These include:
  • The simplicity of one easy to manage repayment at a home loan rate
  • Reduce monthly repayments and lower the overall interest you are paying
  • Close other loan facilities such as credit cards, store cards or personal loans which may attract higher interest rates.

We help you

Master your money mindset

Carolina respects the value of working for money, but it's her understanding of how money can work for you that she believes offers the greatest value to her clients.

When you improve your relationship with money, you can improve your relationship with everyone around you, as positive money traits can lead to greater communication, happiness, and contribution. With money mindset coaching, Carolina can help you achieve the relationship, career, home, and life you dream of.

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