Scarlett Financial

19/10/2026

Choosing between the worst house on the best street vs. the best house on the worst street is the age-old debate that truly reveals your priorities.

To find out more, DM or contact Justin and the Scarlett Financial Team on:

☎️ – (02) 9190 8160
💻 – [email protected]

15/10/2026

In uncertain times, having a strategy for your property and finances matters more than ever. 🏡

Is it time to tighten the spending belt and focus on the budget, or could restructuring your loans and exploring the market put you in a stronger position?

There’s no one-size fits all answer, but having a plan makes all the difference.

We are here to help you, review your options and ensure your financial strategy is working for you - whatever the market brings.

Reach out to the start the conversation, don’t just sit and wait.

14/10/2026

Unlike a typical owner-occupied home loan where you might be chipping away at principal and interest from day one, construction loans require interest-only repayments that scale up as each drawdown phase of the build is completed.

To find out more, DM or contact Justin and the Scarlett Financial Team on:

☎️ – (02) 9190 8160
💻 – [email protected]

12/10/2026

Standard refinancing works perfectly if there is enough usable equity to stay within those typical LVR limits. However, for properties where that equity gap is too wide, a construction loan becomes the strategic move.

To find out more, DM or contact Justin and the Scarlett Financial Team on:

☎️ – (02) 9190 8160
💻 – [email protected]

09/10/2026

Our three brokers attended the 2026 Connective Conference in Sydney this week, connecting with fellow brokers, industry experts and fantastic guest speakers.

With AI Power, Human Insight and Real Impact leading the agenda, it was a great opportunity to explore new ideas, share insights and discuss the future of the mortgage broking industry.

A big thank you to Connective for hosting such a great event! Daniel Greaves Shikha Shah

07/10/2026

Shikha breaks down the concept of low-doc loans, offering a clear look at why this alternative documentation method exists and who it serves.

To find out more, DM or contact Justin and the Scarlett Financial Team on:

☎️ – (02) 9190 8160
💻 – [email protected]

05/10/2026

Essentially, lenders add a margin - typically around 3% - on top of the current market rate to stress-test your finances.

To find out more, DM or contact Justin and the Scarlett Financial Team on:

☎️ – (02) 9190 8160
💻 – [email protected]

30/09/2026

A fixed rate offers peace of mind with locked-in repayments - an ideal buffer against market volatility and a smart move for those at their borrowing limit.

To find out more, DM or contact Justin and the Scarlett Financial Team on:

☎️ – (02) 9190 8160
💻 – [email protected]

29/09/2026

28/09/2026

Here’s a quick-fire round of 'This or That' with Justin, revealing exactly where he stands on everything from lifestyle choices to big financial moves.

To find out more, DM or contact Justin and the Scarlett Financial Team on:

☎️ – (02) 9190 8160
💻 – [email protected]