Veer Finance & Advisory

🎉 2 Years with Berlene 🎉

We can't believe it's been two years since Berlene joined our team. Time has absolutely flown by.

What we can't believe even more is how we ever managed without her?!!!

Behind every client outcome, every settled deal, every organised process and every last minute problem solved, there's usually Berlene quietly in the background making it all happen. She's become the backbone of our business and an incredibly important of the team!

Berlene, your commitment, reliability and support never go unnoticed. The care you put into your work, our clients and our team makes a difference every single day. We know you will hate this post and cringe on it, but we have to celebrate you somehow!

Thank you for everything you've done over the past two years. We’re incredibly lucky to have you.

A big thank you as well to Simon Munkelt for helping us find and support such an outstanding team member.

Happy Work Anniversary, Berlene! 🥂👏

𝗧𝗵𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗬𝗲𝗮𝗿 𝗧𝗵𝗮𝘁 𝗪𝗮𝘀 | 𝗙𝗬𝟮𝟬𝟮𝟲

As another financial year comes to a close, it's a good opportunity to reflect on what has been an incredible year for Veer Finance & Advisory.

Over the past 12 months we were fortunate enough to settle 140 finance transactions for individuals, families and businesses across Western Australia and beyond.

Some highlights from the year:

🏡 𝟭𝟬𝟲 𝗵𝗼𝗺𝗲 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝘀𝗲𝘁𝘁𝗹𝗲𝗺𝗲𝗻𝘁𝘀, including:
• 64 home purchases helping families into their next home or first home
• 20 equity releases to unlock opportunities and build wealth
• 22 refinances helping clients review and improve their lending

🏢 𝟯𝟰 𝗰𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗮𝗻𝗱 𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀, including:
• Commercial property and business lending
• Equipment finance
• Development funding
• SMSF lending
• Personal and vehicle finance solutions

What we are most proud of isn't the number of settlements, it's the relationships and the story behind them.

Many of these clients were existing clients who trusted us again, while many others came through referrals from clients, accountants, financial advisers and business partners. That trust is something we never take for granted.

A huge thank you to every client who chose us, every referral partner who backed us, and our incredible team who work proudly behind the scenes to make it all happen.

We're proud of what we've achieved, but even more excited about what's ahead. We've continued investing in our team, refining our processes and expanding our capability in complex residential, commercial and business lending so we can continue delivering better outcomes for our clients.

Here's to an even bigger FY2027.

Thank you for being part of the journey!

A few weeks ago, we shared a story about a 21-year-old buying her first home.

Today, we want to share the other end of the spectrum.

Let's call him John.
John is 50 years old and recently bought his very first home.

When we first spoke, John had been talking to a company that was recommending a strategy involving withdrawing his super & moving it into community fund (that they managed), paying substantial setup fees, and using a combination of traditional lending and his super to make up the 20% deposit required for a property purchase.

When he sent us the proposal, the fees alone were close to $43,000. (professional & financial planner fees). John was actually about to pull the trigger until his friend told him to come and see us to get a second opinion!

It was clear that nobody had really taken the time to understand what John actually wanted!

So we took a step back.

Before discussing lenders, borrowing capacity or structures, we spent time understanding his goals, his lifestyle, and what he wanted the next 10 to 15 years of his life to look like.
John works in a rural mining community on a drive-in, drive-out basis. He has always enjoyed rural living, had no major commitments tying him to the city, and often spoke about wanting a quieter lifestyle.
Rather than trying to stretch him to the maximum borrowing capacity available, we worked backwards from what he was comfortable repaying and built a strategy around that. The result with repayments & current savings landed at a purchase price of under $400k.
He managed to find a home that suited his lifestyle, fitted comfortably within his budget, and gave him a realistic pathway to own his property outright within the next decade. And is 10 minutes away from work not 5 hours!

This was about creating a stepping stone.
A home he could enjoy today, build equity in over time, and potentially use to help fund his move back to the metro area when retirement eventually comes around in the next 10-15 years.

The best part wasn't the loan approval.
It was the message we received after he moved in.
"𝘐 𝘵𝘩𝘪𝘯𝘬 𝘐'𝘮 𝘴𝘵𝘪𝘭𝘭 𝘪𝘯 𝘴𝘩𝘰𝘤𝘬 𝘩𝘢𝘺. 𝘊𝘢𝘯'𝘵 𝘣𝘦𝘭𝘪𝘦𝘷𝘦 𝘐 𝘩𝘢𝘷𝘦 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘣𝘰𝘶𝘨𝘩𝘵 𝘢 𝘩𝘰𝘶𝘴𝘦 𝘭𝘰𝘭"

Since then, John has been sending us photos as he slowly turns an empty house into a home of his own.
The loan itself was very small by industry standards at $193k settled amount!
But we looked after John exactly the same way we would have looked after someone borrowing $1.93M.

And we're incredibly proud to have been part of John’s journey.

Whether you're 21 or 50, there is no "right" time to buy your first home.

🏡 Congratulations, John. We know it still feels surreal, and we couldn't be happier for you.

The Federal Budget changes around negative gearing are already starting to flow through to lender policy, and this could have a significant impact on borrowing capacity moving forward.

We’re now seeing major lenders begin aligning their credit policies with the proposed Federal Budget changes.
Both Westpac Group and Macquarie Bank (MBL) have already circulated broker communications around how these changes may impact servicing assessments, investment lending policy, and customer guidance moving forward.
Macquarie is also currently working on updates to its servicing calculator to align with the proposed legislation.

Which means other lenders likely won’t be far behind.

What borrowers need to understand is this is no longer just a “tax” conversation.
This is now a lending and borrowing capacity conversation.

We’re already seeing increased focus around:
• Which investment properties qualify for negative gearing add-backs
• “New build” definitions
• Existing vs new investment debt
• Trust/company structures
• How rental losses are treated in servicing calculators
• Future servicing reassessment risk

Credit policy, lender calculators, and servicing models are already under review.

And like anything in lending, the devil is in the details.
The legislation is still evolving, lender interpretation will vary, and there will absolutely be opportunities where understanding policy properly allows borrowers and brokers to structure things more effectively or push back where appropriate.

The next 12–24 months could look very different for investors who understand these changes early versus those who don’t.

Strategic finance advice now matters more than ever around:
𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲.
𝗣𝗼𝗹𝗶𝗰𝘆 𝘀𝗲𝗹𝗲𝗰𝘁𝗶𝗼𝗻.
𝗦𝗲𝗿𝘃𝗶𝗰𝗶𝗻𝗴 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆.
𝗥𝗶𝘀𝗸 𝗺𝗶𝘁𝗶𝗴𝗮𝘁𝗶𝗼𝗻.

Chasing rate is yesterday’s conversation.

One of the most rewarding parts of what we do is helping clients achieve milestones they genuinely didn’t think were possible yet.

Recently, we assisted a young couple purchase their first home, with Tara only just 21 years old.
In today’s market, that’s no small achievement.

What initially looked like a straightforward first home buyer transaction quickly became far more complex once we discovered the property itself was considered rural by lender policy, located approximately 3 hours outside Darwin, sitting on a very large parcel of land, with a dwelling type that wasn’t acceptable to every bank.
So we explored multiple structures and incentives available to them, including a family guarantee.

This is where the process became really interesting.

𝗧𝗵𝗿𝗼𝘂𝗴𝗵 many 𝗹𝗲n𝗱𝗲𝗿 𝗱𝗶𝘀𝗰𝘂𝘀𝘀𝗶𝗼𝗻𝘀, 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗿𝗲𝘃𝗶𝗲𝘄𝘀, 𝗮𝗻𝗱 𝗽𝗼𝗹𝗶𝗰𝘆 𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗼𝗻𝘀, 𝗯𝗼𝘁𝗵 𝘁𝗵𝗲 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝗮𝗻𝗱 𝗼𝘂𝗿𝘀𝗲𝗹𝘃𝗲𝘀 𝗹𝗲𝗮𝗿𝗻𝗲𝗱 𝘃𝗲𝗿𝘆 𝗾𝘂𝗶𝗰𝗸𝗹𝘆 𝘁𝗵𝗮𝘁 𝗲𝘃𝗲𝗿𝘆 𝗹𝗲𝗻𝗱𝗲𝗿 𝗮𝘀𝘀𝗲𝘀𝘀𝗲𝘀 𝗿𝗶𝘀𝗸 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗹𝘆.

𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁𝗶𝗻𝗴𝗹𝘆, 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘃𝗮𝗹𝘂𝗲𝗿 𝗮𝘁𝘁𝗲𝗻𝗱𝗲𝗱 𝗮𝗹𝗹 𝘁𝗵𝗿𝗲𝗲 𝗹𝗲𝗻𝗱𝗲𝗿 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻𝘀 𝗮𝗻𝗱 𝗹𝗮𝗿𝗴𝗲𝗹𝘆 𝗿𝗲𝘁𝘂𝗿𝗻𝗲𝗱 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗿𝗲𝗽𝗼𝗿𝘁 𝗲𝗮𝗰𝗵 𝘁𝗶𝗺𝗲 ….. 𝗵𝗼𝘄𝗲𝘃𝗲𝗿 𝘁𝗵𝗲 𝗼𝘂𝘁𝗰𝗼𝗺𝗲 𝘃𝗮𝗿𝗶𝗲𝗱 𝘀𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮𝗻𝘁𝗹𝘆 𝗱𝗲𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗼𝗻 𝗲𝗮𝗰𝗵 𝗯𝗮𝗻𝗸’𝘀 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹 𝗽𝗼𝗹𝗶𝗰𝘆 𝘄𝗼𝗿𝗱𝗶𝗻𝗴, 𝗿𝗶𝘀𝗸 𝗮𝗽𝗽𝗲𝘁𝗶𝘁𝗲, 𝗮𝗻𝗱 𝗶𝗻𝘁𝗲𝗿𝗽𝗿𝗲𝘁𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝘁𝘀𝗲𝗹𝗳.

After considerable restructuring, strategy discussions, and lender analysis, we were able to identify the lender best suited to the scenario and help make the purchase possible (rural, transportable dwelling, family guarantee)

Sometimes it’s about understanding policy, structure, risk, and knowing which bank’s door to knock on.

Congratulations again to our Tara & Sam on securing their first home on their dream block, an incredible achievement at 21 years old and the beginning of something super exciting.

Mortgage demand is rising… even after multiple rate hikes.

That might surprise a few people.

New Equifax data (Q1 2026) shows mortgage demand is up 7.5% year‑on‑year, despite higher rates and cost‑of‑living pressure.

This is not a rush of new buyers.

What’s actually happening is:

• Fewer new borrowers entering the market
• More refinances and restructures
• Existing borrowers actively reshaping debt
• Larger average loan sizes
• Mortgage arrears not rising (in fact, slightly improving)

To Summarise:
Australians aren’t panicking , they’re adapting and actually thinking things through:

From a broker’s perspective, this is a strategy market, not a speed market.

👉 People who review their loans early are maintaining cash flow
👉 People who wait are the ones who get boxed in later
👉 The biggest risk isn’t rates , it’s inaction

If your loan hasn’t been reviewed in the last 12–18 months, you’re probably relying on a structure that no longer fits today’s reality.

This is where good advice matters: Not just chasing the lowest rate, but: • Structuring for cash flow
• Stress‑testing borrowing power
• Cleaning up non‑deductible or personal debt
• Planning before pressure forces your hand

Higher rates haven’t stopped borrowing, they’ve just separated proactive borrowers from reactive ones.

If you’re curious whether your current structure still makes sense in 2026, now’s the time to check …. before you HAVE to.

𝗙𝗶𝘃𝗲 𝘆𝗲𝗮𝗿𝘀!! 🎉

I honestly can’t believe how fast that’s gone and to be honest, that we are still here.

When I first took the leap, it wasn’t about chasing something bigger. It was about finding fulfilment again, putting blood, sweat and tears into something we could build and stand behind, rather than being just another number in the corporate world… even without any guarantee it would work.

Business has always been second nature to me. From a young age, I’ve been drawn to it, surrounded by it, working alongside small business owners, and constantly wanting to understand how it works, how it grows, and what it takes to sustain it. That’s not changed, and it’s exactly why supporting small businesses and SMEs still means so much to us today.

Looking back, we wouldn’t be here without the people who backed us early, and the ones who’ve stayed with us along the way.

To our clients, especially those who trusted us from the beginning, and those who continue to come back, a BIG Thank You!!
To our referral partners, your support and belief in what we do has never gone unnoticed and means so much Karen and the team at Rappatoni accoutants, and to the team Benchmark Finance Group.
To LMG, and Todd Bateman who backed us from day one, that support mattered more than you probably realise.

And to our team now, what we’ve built goes far beyond just work. It’s a culture, a rhythm, and a group of people who genuinely care. That’s something I’m incredibly proud of.
Because the reality is, it wasn’t always like this.

It started with long days, late nights, and figuring things out as we went. Juggling a newborn, working around feeds and naps, taking calls wherever I could, even sitting in the car, engine running, baby napping, driving round picking up signed docs and begging family to babysit for a few hours just so I could take the meeting that might lead to a settlement.

There was no “perfect time”. it was just commitment and the grind!!

And somehow…. through all of that, we found our groove.

From where it started to where we are today, with an incredible team, strong partnerships, and people who continue to believe in us…….. I’m just really grateful.
And to Audrey Scheffler Mortgage Broker thank you for being part of this from the very beginning, so proud where you are now!!

Five years in, and it still feels like we’re just getting started.

𝗧𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗵𝗶𝗻𝗴 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲’𝘀 𝘁𝗮𝗹𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁… 𝗯𝘂𝘁 𝗻𝗼𝘁 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝘀.
The Reserve Bank of Australia has increased rates again and for most homeowners, the impact is immediate.
Even a 0.25% rise adds up quickly in today’s environment (especially with fuel pushing $2.89/L).

𝗧𝗵𝗲 𝗿𝗲𝗮𝗹𝗶𝘁𝘆:
97% of new loans in Australia are variable
Most fixed rates last only 2–5 years
Meanwhile overseas?
Borrowers can lock in rates for 20–30 years, giving long-term certainty over repayments and lifestyle.

𝗜𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮, 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿𝘀 𝗮𝗿𝗲 𝘁𝗵𝗲 𝘀𝗵𝗼𝗰𝗸 𝗮𝗯𝘀𝗼𝗿𝗯𝗲𝗿𝘀 𝗼𝗳 𝘁𝗵𝗲 𝗲𝗰𝗼𝗻𝗼𝗺𝘆.
When rates rise → your repayments rise
When policy shifts → your cash flow shifts

𝗦𝗼 𝘄𝗵𝗮𝘁 𝗰𝗮𝗻 𝘆𝗼𝘂 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗱𝗼?
There’s no perfect loan only the right strategy based on your risk appetite, structure, and long-term plan.
In this environment, we’re seeing clients:
✔ Review their rate (loyalty doesn’t = best deal)
✔ Refinance where it makes sense
✔ Split loans (balance flexibility + certainty)
✔ Use offsets + structured repayments
✔ Get ahead of changes, not react to them
✔ Ignore world war 3 and don’t stock up on canned tuna

This isn’t about guessing rates.
It’s about structuring your lending so you’re in control regardless of what rates do next.

If your repayments have changed, or you’re unsure how exposed you are, let’s have a quick chat.

This is the Porters — the family behind Williams Pharmacy.

We recently assisted them to purchase the freehold of their pharmacy, securing not just a building, but the long-term future of their business and the community they serve.

The previous owner didn’t just sell a property, they entrusted the Porters with the next chapter of something they had built. They recognised their vision, their commitment to the town, and gave them the opportunity to step forward as long term custodians. In small communities, that kind of trust and support means everything. Securing the freehold has made their structure stronger, more sustainable.

What makes this story even more meaningful?

They had been trading for less than six months.

On paper, some may see that as “too hard.”

We saw strong character, deep industry experience, clear capability, and genuine passion for their community.

That’s what we back.

This outcome was made possible through true partnership, client, bank and broker working in alignment. Thank you to NAB SME for backing the vision and supporting the strategy. The right support network makes all the difference.

We’ve always believed finance is about people, not transactions.

When you combine the right knowledge, experience and relationships, complex becomes achievable.

And communities are stronger for it.