Scarlett Financial

The distinction boils down to one critical factor: Best Interest Duty. While mortgage brokers are legally bound to recommend loans that truly serve the client’s financial goals, banks face no such requirement.

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

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

Many prospective buyers wait until they’ve found the perfect home to consult a mortgage broker, but experts suggest flipping that timeline completely.

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

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

Congratulations to our amazing clients, Ryan and Gemma Davey!

We’re so excited to support Ryan and Gemma on taking the leap and purchasing their very first business Surfers Choice | Long Jetty Surf Shop 🌊🏄🏽🏄🏼‍♂️🏄‍♀️.

Turning a passion into a business is a huge step and it’s fantastic to see them bring their love for surfing and their local community into this next chapter.

We’re incredibly grateful to have been able to assist Ryan and Gemma with their business lending and help them take another step towards achieving their goals.

If you are around the Central Coast get down there, check it out, show your support. We can’t wait to see what the future holds for Surfers Choice, Long Jetty!



Surfers Choice | Long Jetty Surf Shop Gemma Davey Ryan Davey

For many, the path to purchasing a first home feels like navigating a maze without a map. It’s a journey that demands more than just a loan - it requires a partner who understands the nuance of the process.

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

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

The First Home Government Guarantee Scheme stands out as a game-changer, allowing eligible buyers to enter the market with as little as a 5% deposit for owner-occupier properties.

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

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

Have you been thinking of upgrading your home but have been unsure due to current market conditions. This may actually be the time for an upgrade opportunity and here is the reason to consider…

Home prices in the first home buyer markets are still strong. It is the homes in the next price range up that are seeing less competition and greater price falls.

If you’re selling in a competitive market and buying in a market where competition has largely decreased, it could be considered two different markets and therefore a great opportunity.

If you want to discuss this further please reach out. We will talk through all the important points to consider before making a decision.

A dual income property can provide a number of strategic benefits, particularly for borrowers looking to maximise the use of their property while maintaining flexibility.

Depending on the ownership and occupancy structure, one dwelling may be used as your principal place of residence while the second dwelling is rented out, potentially providing an additional income stream to help with loan repayments.

This strategy of dual income properties is become more appealing to owner occupiers and investors, by creating higher resale value, increased rental yield, risk mitigation and flexibility for owner occupiers. If you want to find out more please reach out.

The biggest myth about buying your first home? Thinking you absolutely need 20% down. While government guarantee schemes make a 5% deposit possible, there is a major catch.

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

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

The property ladder feels more like an impossible climb these days. While new schemes might offer lower entry barriers for first-time buyers, the math just isn’t adding up.

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

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

The gap between property prices and income growth has changed the landscape for first-time buyers significantly compared to a decade ago. With rising living costs and steeper entry prices, the hurdle is undeniably higher.

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

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