Cobblestone Financial

Cobblestone Financial Cobblestone Financial is about structured, financial solutions to help you achieve your goals. Understanding your strengths and weaknesses. Clients are for life.

At Cobblestone Financial, we know It's not just about getting a loan, it's more than that...
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It's about getting to know you as a client. Learning what your goals are both short and long term. It's about listening, I mean really listening, and then coming up with a specific plan that is going to help you achieve your goals as well as considering your future. What is important to you? What are your hopes and dreams? What does your retirement look like? All of these questions will help design the correct facility that will work for you, leveraging on your strengths and putting strategies in place to ensure you reach your goals no matter what. This is not a set and forget process. This is an ongoing service.

If part of your income comes from overtime, bonuses, allowances or commission, prepare the evidence before the home-loan...
16/09/2026

If part of your income comes from overtime, bonuses, allowances or commission, prepare the evidence before the home-loan application.

Depending on the lender and the type of income, your broker may need to review items such as:

- Recent payslips
- Year-to-date earnings
- Employment terms or an employer letter
- Payment history over a longer period
- Tax documents or income summaries
- An explanation of how the income is earned

Lenders can assess variable income differently. A strong file starts with understanding the income pattern and gathering the right documents for the proposed lender.

Prepare a variable-income checklist with Danielle:
https://www.cobblestonefinancial.com.au/book-appointments/

A property goal often feels clearer when it is broken into the next 90 days.A borrowing roadmap can help organise:- Your...
14/09/2026

A property goal often feels clearer when it is broken into the next 90 days.

A borrowing roadmap can help organise:

- Your current lending position
- Debts, credit limits and regular commitments
- Deposit, equity and buying costs
- Documents that may need updating
- A realistic timeline for pre-approval or review
- Questions to resolve before a property decision

The roadmap is not a promise of approval. It is a practical way to understand where you stand, what may need attention and which step comes next.

Book a 90-day mortgage roadmap conversation:
https://www.cobblestonefinancial.com.au/book-appointments/

Planning to release equity or request cash-out from a property loan? Be ready to explain what the funds are for.Dependin...
14/09/2026

Planning to release equity or request cash-out from a property loan? Be ready to explain what the funds are for.

Depending on the lender, amount and proposed purpose, you may be asked for:

- A clear description of the intended use
- Quotes, contracts or invoices
- Details of another property transaction
- Evidence showing where the funds will go
- An updated statement of your overall lending position

Requirements vary, and approval is never automatic. Raising the purpose early gives your broker time to identify the lender’s evidence requirements before an application is submitted.

Discuss the lending evidence before requesting cash-out:
https://www.cobblestonefinancial.com.au/book-appointments/

Refinanced or changed your home-loan product recently? Check that your offset account is still linked to the correct loa...
13/09/2026

Refinanced or changed your home-loan product recently? Check that your offset account is still linked to the correct loan.

ASIC Moneysmart warns that refinancing or switching products can break the link between an offset account and a mortgage. If the account is not linked properly, its balance may not be included when the lender calculates interest.

A quick check can include:

- Looking at your banking app or online banking
- Checking loan and offset account statements
- Confirming which loan account is linked
- Asking the lender if the interest benefit is unclear

Offset features, fees and rules vary, so review your own loan documents and contact your lender when something does not look right.

Book a post-refinance or current-loan review:
https://www.cobblestonefinancial.com.au/book-appointments/

Hey Everyone! Meet Katie! 👋😊Katie joined Cobblestone Financial in February, and she's quickly become a very important pa...
10/09/2026

Hey Everyone! Meet Katie! 👋😊

Katie joined Cobblestone Financial in February, and she's quickly become a very important part of what happens behind the scenes.

You know those regular reviews we talk about? The ones where we keep checking whether our existing clients are still getting a competitive deal?

💰 Katie handles our client reviews and lender pricing requests, helping us make sure our clients continue to be looked after long after their loan has settled.

But she's not stopping there…

📚 Katie is currently studying to become a mortgage broker herself! 🏡🎓

Over the past few months she's been learning more and more about lending, working alongside me and gaining hands-on experience in the world of mortgage broking.

Having Katie on board means I can spend more time doing what I love — meeting with clients, solving tricky lending scenarios and helping people achieve their property goals — while knowing our existing clients are being looked after too.

So, if you've ever wondered how I manage to get everything done…

Now you know. 😉 Meet Katie! 💙

We're very lucky to have her as part of the Cobblestone team, and I'm excited to watch her journey from behind-the-scenes superstar to mortgage broker! 🌟

👇 Give Katie a hello in the comments!

📅 To book an appointment online follow this link:
https://www.cobblestonefinancial.com.au/book-appointments/

After a separation, the question “Can I buy again?” often comes with a long list of other questions.Consider this compos...
09/09/2026

After a separation, the question “Can I buy again?” often comes with a long list of other questions.

Consider this composite scenario: a single parent wants to re-enter the property market but does not yet know how their current income, debts, savings and previous property arrangements fit together.

A useful first lending conversation may cover:

- Current income and regular commitments
- Existing loans and credit facilities
- Available deposit and buying costs
- Any remaining property interests
- A realistic timeframe for the next step

There is no automatic answer and no promise of qualification. The goal is to understand the current lending position and build a practical path forward.

Start with a confidential conversation:
https://www.cobblestonefinancial.com.au/book-appointments/

An investor’s repayments may look manageable at today’s rate, yet the lender’s borrowing-power calculation can still fee...
09/09/2026

An investor’s repayments may look manageable at today’s rate, yet the lender’s borrowing-power calculation can still feel much tighter.

One reason is APRA’s mortgage serviceability buffer. APRA-regulated banks must generally assess a new borrower’s capacity at least 3 percentage points above the loan product rate.

For investors, the broader assessment may also consider:

- Existing home and investment loans
- Credit limits and other commitments
- Living expenses
- Rental income treatment
- Proposed loan structure

This is an assessment buffer, not a prediction of the rate you will pay.

Review the full investor serviceability position:
https://www.cobblestonefinancial.com.au/book-appointments/

Pre-approval is valuable, but it does not mean every property purchase is automatically approved.Before you commit, reme...
08/09/2026

Pre-approval is valuable, but it does not mean every property purchase is automatically approved.

Before you commit, remember that final approval may still depend on:

- The lender’s valuation of the property
- The property meeting the lender’s requirements
- Your financial circumstances remaining acceptable
- All requested documents and checks being completed
- The conditions listed in the pre-approval

Pre-approval gives you a useful starting point. It is still wise to check the finance position before signing an unconditional contract or making a financial commitment, and obtain legal advice about contract conditions.

Review what your pre-approval covers:
https://www.cobblestonefinancial.com.au/book-appointments/

For an eligible single parent or single legal guardian, a minimum 2% deposit may be a starting point under the Australia...
07/09/2026

For an eligible single parent or single legal guardian, a minimum 2% deposit may be a starting point under the Australian Government 5% Deposit Scheme.

The single-parent stream currently includes:

- A minimum 2% deposit
- No income caps
- No waitlist or place limit
- No Lenders Mortgage Insurance under the Scheme
- Owner-occupier, property and other eligibility requirements

You do not have to be a first-home buyer, but you cannot retain another property interest once the new home settles. Participating-lender assessment and approval criteria still apply.

Start with a confidential eligibility and lending review:
https://www.cobblestonefinancial.com.au/book-appointments/

A 5% deposit may be enough for some eligible first-home buyers, but the deposit percentage is only the starting point.Th...
07/09/2026

A 5% deposit may be enough for some eligible first-home buyers, but the deposit percentage is only the starting point.

The Australian Government 5% Deposit Scheme currently includes:

- A minimum 5% deposit for eligible first-home buyers
- No income caps
- No waitlist or place limit
- No Lenders Mortgage Insurance under the Scheme
- Property price caps and other eligibility requirements

You must still meet the participating lender’s credit policy and loan approval criteria. Your individual circumstances, costs and borrowing position all matter.

Check the Scheme and your lending position together:
https://www.cobblestonefinancial.com.au/book-appointments/

Address

27 Norseman Way
Mandurah, WA
6211

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61410691048

Website

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