First Steps Financial - Mortgage Broking and Financial Education

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First Steps Financial - Mortgage Broking and Financial Education

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Approachable mortgage broking and financial education, with access to over 50 lenders, helping you understand your options and move forward with confidence.

18/10/2026

🏡💰 Could your mortgage be costing you more than it needs to?

With the cost of living continuing to put pressure on household budgets, it's worth taking the time to make sure your home loan is still working for you.

A complimentary home loan health check could help identify opportunities to:

✅ Review your current interest rate and repayments
✅ Explore potentially more competitive loan options
✅ Consider consolidating existing debts
✅ Review your loan features, fees and structure
✅ Identify potential savings over the life of your loan

Even if you're happy with your current lender, it never hurts to understand what other options may be available.

💡 A healthier home loan could mean more money in your pocket!

📩 Get in touch to arrange your complimentary home loan health check. Let's see whether your mortgage could be working harder for you.

📍 First Steps Financial | Morley & Swan Valley
🌐 www.firststepsfinancial.com.au

15/10/2026

🏡 You've saved your deposit… but have you budgeted for everything else?

When buying a home, your deposit is only part of the picture! There are other upfront costs that can quickly add up.

💰 Transfer duty (stamp duty)
📝 Conveyancing & settlement fees
🔍 Building & pest inspections
🏦 Lenders Mortgage Insurance (LMI), if applicable
📋 Loan & government fees
🚚 Moving & setup costs

💡 Let's put it into perspective!

Buying a $700,000 property in WA could mean approximately:

🏠 $27,265 in transfer duty for a standard buyer

🏠 $16,150 for an eligible first-home buyer

That's a potential saving of $11,115!

🔗 Want to estimate your costs?

WA Transfer Duty Calculator:
https://www.wa.gov.au/service/financial-management/taxation-and-duty/calculate-your-transfer-duty

Mortgage Repayment Calculator:
https://moneysmart.gov.au/home-loans/mortgage-calculator

✨ The takeaway? Having enough for your deposit doesn't always mean you have enough to purchase.

At First Steps Financial, I help buyers understand the full picture so they can plan and purchase with confidence.

📩 Thinking about buying? Let's chat!

Transfer duty figures are indicative and subject to eligibility, applicable rates and concessions.

14/10/2026

Financial goals are one thing. Knowing how to achieve them is another!

Another great financial education meeting this week, with a focus on setting short, medium and long-term financial goals and understanding the steps needed to work towards them.

Whether it's saving for a home, reducing debt, building wealth or planning for retirement, having a clear picture of what you want to achieve can make all the difference.

One of the things I love most about financial education is helping people take a step back, look at their current financial position and explore what's possible.

It's not about having all the answers today. It's about building the knowledge, confidence and understanding to make informed decisions for the future.

Small steps today can make a big difference tomorrow.

📍 First Steps Financial | Morley & Swan Valley

If you'd like to spend some time working through your own financial goals, get in touch to book a one-on-one financial education session.

12/10/2026

📈 Interested in investing but not sure where to start?

Have you always wanted to learn more about investing, the different options available and how it all actually works?

You're not alone!

With so many options out there! Shares, ETFs, managed funds, property and superannuation, knowing where to begin can feel overwhelming.

But investing doesn't have to be complicated, and you don't need thousands of dollars just to start learning.

💡 At First Steps Financial, our Investing & Super Basics education sessions can help you understand:

✔️ The different types of investments and how they work

✔️ Shares, ETFs and managed funds, what's the difference?

✔️ Risk versus return and why it matters

✔️ The power of compound growth and investing over time

✔️ How superannuation fits into the bigger picture

✔️ Important concepts to understand before making investment decisions

You don't need to become an investment expert. You just need somewhere to start.

With over 18 years of experience in financial planning and wealth management, I'm passionate about making financial concepts easier to understand, without the complicated jargon.

Whether you're completely new to investing or simply want to build your knowledge and confidence, I'd love to help.

📍 First Steps Financial | 3/141 Russell Street, Morley

🌐 www.firststepsfinancial.com.au

Education. Lending. Confidence.

General financial education only. No personal financial advice or investment recommendations are provided.

11/10/2026

Did you know a Will isn't always the final word?

More great conversations this week, with one in particular highlighting the importance of understanding your rights and knowing when to seek professional guidance.

In certain circumstances, a Will may be challenged, but many people may not realise there are options worth exploring.

One of the things I love about financial education is that it's not always about having all the answers. Sometimes it's about asking the right questions, creating awareness and helping people understand where to turn next.

It's always a good feeling to be able to point someone in the right direction when further professional advice is needed.

Financial education goes well beyond budgeting, superannuation and investing. It's about building knowledge, understanding your options and feeling more confident about financial matters.

Sometimes one conversation can make all the difference.

📍 First Steps Financial | Morley
🌐 www.firststepsfinancial.com.au

General financial education only. Legal matters should be discussed with a qualified legal professional.

10/10/2026

📍 You'll now find me at Ross Realty Morley!

A little exciting update for First Steps Financial! My new window signage is up, and I'm thrilled to now have a physical location at Ross Realty Morley.

Whether you're looking to purchase your first home, refinance an existing loan, explore investment or car finance, or simply want to build your financial knowledge and confidence, I'm here to help!

Through First Steps Financial, I offer both mortgage broking and financial education, helping you better understand your options and take the next step with confidence.

📍 3/141 Russell Street, Morley

📞 0409 311 308

Appointments are available in person, over the phone or online.

Feel free to give me a call, send me a message or pop in and say hello!

Education. Lending. Confidence. 🏡

03/10/2026

A beautiful afternoon at today’s Ross Realty home open in the Swan Valley.

I joined Seb and Paul from Ross Realty at this stunning Henley Brook property this afternoon, and what a home! 🤍

https://www.realestate.com.au/property-house-wa-henley+brook-152480696

It was also a great opportunity to chat with people who are currently looking to buy and answer some of those early finance questions that naturally come up along the way.

How much could I borrow?
What deposit will I need?
Am I actually ready to buy?
What should I be doing before I make an offer?

Sometimes understanding the finance side before you find the right property can make the whole process feel a lot clearer.

If you're thinking about buying, refinancing or simply wondering what your next step might look like, feel free to reach out, I'm always happy to have a chat.

30/09/2026

A 0.25% rate rise might not sound like much… but what does it actually mean for your numbers? 🏡

For homeowners, even a small increase in interest rates can add up to a noticeable difference in monthly repayments.

And if you’re looking to buy, it’s not just repayments that matter. Higher interest rates can also affect borrowing capacity and potentially change the price range you’re working with.

That’s why it’s important to look beyond the headline rate.

Whether you already have a mortgage, are thinking about refinancing, or you’re trying to work out what you could afford to buy, understanding your own numbers is what really matters.

Sometimes the first step is simply knowing where you stand.

📩 If you’d like help understanding your borrowing capacity or home loan options, feel free to get in touch.

Figures shown are illustrative only. Actual repayments and borrowing capacity will depend on your individual loan and circumstances.

22/09/2026

Some exciting news!

I’m incredibly proud to share that I’ve been named a Finalist for Entrepreneur of the Year in the 2026 Women in Finance Awards.

The Women in Finance Awards recognise women who are leading, innovating and driving meaningful change across Australia’s financial services and banking industry, so it’s incredibly special to be recognised among this year’s finalists.

After more than 18 years in financial services, I created First Steps Financial Education to make financial concepts easier to understand and help people feel more confident about money. To have this work recognised means so much. 💛

So, to celebrate, I’m sharing something with you!

I’ve created a FREE Money Cheat Sheet covering some of the financial basics we should all understand, from knowing your numbers and building strong financial foundations, to super, investing, debt and home loans.

Simple, easy-to-understand financial education, without all the jargon.

👉 Get your FREE Money Cheat Sheet here:
https://www.firststepsfinancial.com.au/free-finance-cheat-sheet

Thank you to everyone who has supported First Steps and encouraged me along the way. It really does mean a lot. 💛

Elle x

21/09/2026

I recently welcomed back a client for another financial education session, and afterwards she shared:

“I always feel more empowered after we talk!”

Financial education isn’t about telling you what to do with your money. It’s about helping you understand your financial world, ask the questions that matter, and feel more confident making your own decisions.

Sometimes circumstances change, new questions come up, or you simply want to revisit where you’re at, and that’s exactly what these sessions are for.

Feedback like this means so much. 🤍

Address

Perth, WA

Website

http://www.firststepsfinancial.com.au/, https://www.instagram.com/first.steps.financial/

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