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Tessera Finance

@tesserafinance

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Built on trust and integrity, Tessera Finance offers home, investment, auto and personal loans, refinancing and debt solutions. 0415127552

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Thinking about buying before the year wraps up? 🏡

A lot of people assume they’ll “”just know”” when they’re ready. In reality, readiness comes down to a few concrete things, knowing where you actually stand financially, having a real plan for your deposit, keeping your current commitments manageable, and understanding the full costs involved, not just the loan itself.

If you’ve been thinking about buying before the year ends, the smartest move is checking these boxes now, not scrambling once you’ve already found a property you love.

🔔 Let’s chat, no pressure, just clarity on where you stand.

📞 0415 127 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #FirstHomeBuyer #FinanceTips by @tesserafinance

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15 hours ago

Buying your first home is exciting, but knowing where to start can feel overwhelming.

Before you begin house hunting, it’s worth understanding your borrowing capacity, deposit, upfront costs such as stamp duty, LMI and legal fees, and the home loan options and government schemes that may be available to you.

Getting organised early can help you approach buying a property with greater confidence.

I’m here to help you understand your options and navigate the next steps.

Thinking about buying your first home? Send me a message or give me a call and we can talk through your situation.

📞 0415 127 552
📧 tessera@tesserafinance.com.au
🌐 tesserafinance.com.au

#FirstHomeBuyer #HomeLoans #MortgageBroker #FirstHome #AustralianProperty by @tesserafinance

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a day ago

Your pre approval has an expiry date. Nobody told you. ⏳

I see this catch people out more than you’d think. You get pre approved, feel confident, keep house hunting, and then months later find out it’s lapsed right when you’re ready to make an offer.

Pre approvals usually last around three to six months depending on the lender, not forever. If your situation changes, or the clock just runs out, you may need to go through the process again before you can actually put in an offer.

If you’ve had your pre approval for a while and aren’t sure where it stands, let’s check before it becomes a problem.

📞 0415 127 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #PreApproval #FinanceTips by @tesserafinance

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3 days ago

Getting pre-approved is an important step, but your approved amount isn’t necessarily the amount you should spend.

As a mortgage broker, one of the conversations I have with clients is about the difference between what the bank may lend and what actually feels comfortable for your lifestyle.

Your income, expenses, existing commitments and future plans all matter when deciding what you can comfortably afford.

A bigger borrowing capacity doesn’t always mean you should borrow more.

Before you start house hunting, let’s look beyond the approval and understand what works for you.

📞 0415 127 552
🌐 tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #PerthMortgageBroker #HomeBuying by @tesserafinance

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4 days ago

Your mortgage should work for you, not against you.

When I talk to clients about their home loan, I don’t just look at what they can borrow. I want to understand what makes sense for their income, lifestyle and plans.

Because the right mortgage isn’t simply the one you can get approved for, it’s one you can live comfortably with.

If you’re unsure whether your current or future home loan is working for you, let’s have a conversation.

📞 0415 127 552
🌐 tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #MortgageAdvice #PerthMortgageBroker by @tesserafinance

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5 days ago

Weekend reminder: don’t google mortgage advice. Google thinks every rate is “shocking.”

Online sources are useful for general information, but headlines are often written for attention, not accuracy. Rate movements are a normal part of the market and do not always reflect what is happening with your specific loan or situation.

For advice that actually applies to you, it’s best to speak with someone who reviews the current lending landscape daily.

📞 0405 077 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #FinanceTips #WeekendReminder by @tesserafinance

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8 days ago

Rates are out of my hands. Everything else? Not so much. 👆

Honestly, I can’t do anything about where rates sit, nobody can. But every client I work with, the real progress happens in the stuff that actually is in their control. Getting finance ready before they fall for a property. Actually knowing their borrowing power instead of guessing. Letting me compare more than one lender instead of settling for the first offer. Structuring the loan for where they’re heading, not just where they are right now.

If you’ve been “just looking” for a while, the one thing that moves everything forward is simple, make the call.

📞 0405 077 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #FinanceTips #FirstHomeBuyer by @tesserafinance

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8 days ago

POV: my client’s home loan just got approved, so last weekend was really worth celebrating. 🏕️🙌

There’s genuinely nothing like that feeling, watching someone’s approval come through and knowing what it actually means for them. New chapter, keys on the way, all the stress finally paying off.

So that weekend was well earned, campfire, good company, and celebrating another win in the books.

Here’s to more of these moments ahead. 🥂

📞 0415 127 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #ClientWins #FinanceTips by @tesserafinance

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9 days ago

Not everyone can be a lawyer or doctor. Someone’s gotta hold it down getting a first time buyer to settlement when the bank already told them no. 😏

That’s genuinely my favourite part of this job. Taking a “no”from the bank and turning it into a “yes”somewhere else. It’s not magic, it’s just knowing where to look and who to actually talk to.

If you’ve been knocked back before and assumed that was the end of the road, it usually isn’t.

📞 0415 127 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #FirstHomeBuyer #FinanceTips by @tesserafinance

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10 days ago

October money check: your coffee order vs your home loan. ☕

I always find this one funny, people can tell you their coffee order down to the exact ratio, but ask them about their home loan rate or structure and it’s a blank stare.

No judgement, it happens to almost everyone. Life gets busy and the loan just sits there on autopilot.

With the holidays coming up fast, now’s actually a good time to clean up your money habits before everything gets hectic. A quick check in now could save you from starting next year on the back foot.

If it’s been a while since you’ve looked at your numbers, let’s do that check together this month.

📞 0415 127 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #FinanceTips #PerthMortgageBroker by @tesserafinance

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12 days ago

Myth vs fact, home loan edition. 🏡

Myth: you need a 20% deposit to buy a home.
Fact: depending on your situation, you may have other deposit options available to you.

Myth: you need to find a property before talking to a broker.
Fact: you can explore your finance options first, before you’ve even started house hunting.

Honestly, these two myths are probably what hold people back more than anything else I hear. I’ve had clients assume they were years away from buying, when really they just needed the right information earlier.

If either of these has been sitting in the back of your mind, let’s have a chat and clear it up properly.

📞 0415 127 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #FirstHomeBuyer #FinanceTips by @tesserafinance

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15 days ago

Stress about the process, or have a lender who makes it easy. Your call. 🤝

I’ve had clients come to me after a rough experience elsewhere, confusing paperwork, no updates for weeks, feeling like they’re chasing answers instead of being guided through it. It doesn’t have to be that way.

The right broker takes on the stress so you don’t have to. Comparing lenders, chasing documents, keeping you in the loop at every stage, that’s the job.

You shouldn’t have to choose stress just because that’s what you assume the process looks like.

📞 0405 077 552
📧 tessera@tesserafinance.com.au

#TesseraFinance #MortgageBroker #HomeLoans #FinanceTips #PerthMortgageBroker by @tesserafinance

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15 days ago