Audrey is a property developer and a mortgage strategist! If finance and numbers are not your game, you've come to the right place. You do what you do best, and leave the rest to me!
Your strategy for development funding will determine your profit margin. It's imperative that you speak to a finance broker that understands the nuances of development funding.
Whether it is your first home, next home or investment home, we use everyday language (not jargon) and hold your hand through the process. It is the beginning of our journey and we ensure that you are looked after for the life of the loan.
We provide you with a range of options based on the commercial property, ownership structure, usage of the property, purpose of funds and will customise an option to suit your needs.
Depending on one's financial circumstance, we can go up to 100% LVR for a commercial property.
Funding for all sorts of assets and equipment, with and without wheels! Give us a call.
Smart tax planning and entity structuring is crucial to maximising your tax benefits as well as protecting your assets. From individual tax returns to small business accounting and property developer/investor tax matters, we provide accounting and tax services, including but not limited to, strategic tax planning and advisory, ABN and business registration, setting up of entity and business structures.
With over 15 years working at the ATO and a deep understanding of both accounting principles and the intricacies of Australian tax regulations, we can assist you in navigating the complex world of taxation.
Audrey has been in the property and finance industry since 2010. As a property developer herself, she specialises in loan structuring and development funding. Known for her personable approach and extensive knowledge, she simplifies the funding process and educates clients to improve their financial situations. Audrey excels with complex financials and is dedicated to building lifelong relationships, helping families and investors achieve their property and financial goals with confidence and clarity.
Audrey lives and breathes property and finance. She practices what she preaches and structures her loans for her investment properties and development projects as she would when presenting clients with options. Her intrinsic nature is to help a client and she customises her approach and recommendations based on each client’s individual circumstance.
Contact Us
Provide information
Discuss Strategy
Loan application and approval
Mortgage documentation and settlement
We were fortunate to meet Audrey through a friend, this was a game changer, while others told me "this is mission impossible, forget it..." Audrey was Tom Cruise! She made the impossible possible, she was able to get a loan in three days unconditional, and get us more money for the extras!!! Talk to her about loans, she can help you... I will always hire her services from now on.
"Audrey did a great job with getting finance for our property with some unfavorable circumstances to work through. She was very flexible around our timeframes and patient in communication, consistently making herself available to go through something when we needed. Very happy with the outcome!!"
"Audrey has assisted me in providing a tailored solution for my needs. Has always been responsive and her experience in development finance position her services above the rest. My contract of sale was due after Christmas, and she worked during her holiday to get the job done, demonstrating her strength and determination to reach the goal. Thank you for your business."
“Excellent communication throughout the process and got us a good deal.”
"Recently bought a property in Glenroy, Audrey made the process so smooth and easy. I felt very little stress throughout the process, she was there at anytime required, ready to share her thoughts, ideas and strong knowledge. It was a very simple and positive process."
“Audrey is nothing short of a diligent, knowledgeable and efficient broker. Audrey has always kept me well informed and updated along the way which is very reassuring. She answers all my difficult questions in a heartbeat and has gone above and beyond to achieve my desired outcome. Please do yourself a favor and get in touch with Audrey! 10/10”
“I will be forever grateful to Audrey for helping me through the process of buying my home. She is extremely knowledgeable, professional and had my best interests at heart. She made sure everything was in order before applying to the most suitable lender and the process was seamless. I can highly recommend Audrey to anyone looking for a mortgage broker. Thank you again Audrey.”
“If you’re looking for someone that is an expert in their field, personable and diligent, you are in the right place. Audrey provides a service that separates herself from the traditional financial broker and has served my financial needs beyond measure. You can rest assured, your financial journey with Audrey will be met with creative solutions, compassion and guidance that will ease any concerns you may have.”
"I’ve known Audrey personally and I’ve gone to her services twice now and she has always stayed professional even when I had stubborn demands. She informed me every step of the way and worked with me to ensure I was able to get the best products. I would recommend her to my friends and family! Thanks Audrey!"
“Audrey is very knowledgable and professional. Remained friendly and helpful even after she realised we were using another agency that had been organised before we contacted her. I wouldn't hesitate to obtain Audrey's services for our future finance requirements”
“I love that I can speak honestly and frankly to Audrey! Very understanding and patient! Thanks for all your guidance! ?”
“Worked hard to get us very good rates. The entire process was smooth & pain-free.”
“Audrey is a professional finance broker who has helped my clients with a solution that many would have considered impossible. I would not hesitate to refer Audrey to my family and friends for their finance needs.”
“Excellent service and professionalism, I cannot recommend highly enough, I was supported throughout the whole process and Audrey went above and beyond to get the loan i required.”
“Fantastic service to match with client needs. Highly recommended and a no nonsense approach. This is our second time with Audrey and we are very happy with loan recommendations. Audrey is not a typical mortgage broker and you can feel the personal touch while dealing with. Try it out yourself to see what I mean.”
“Thank you Audrey, for helping with my decision to choose a lender for investment property. I highly recommend Moneywell Finance's services...”
“Thank you very much Audrey (Moneywell Finance), for guiding us through a very involved refinancing process, for my elderly Mother. Communication and attention to detail were excellent, throughout. We are extremely pleased with the result...highly recommended.”
"My refinancing experience was amazing with Audrey! She is very knowledgable, super friendly and proficient. I had lots of questions which she answered thoroughly and advised the best option for us. Thrilled with the outcome and I would highly recommend Audrey to anyone! ?"
Why use a mortgage broker?
Brokers maintain the balance of the financial industry. Without brokers, there would be no competition for the major banks, which could result in higher interest rates and limited funding choices. Each funder has their own product range and preference for certain income types, employment, securities, risk appetite…etc and they all have different policies. So, if you go to one funder, you will have the choice of product 1, 2 or 3 and you will need to satisfy A, B and C criteria to get a loan approved. You will need to tick all the boxes (you will only find out if you don’t tick all the boxes, when the loan is rejected). It’s like placing all your eggs in one basket.
If you are extremely dedicated and have the time to research various products from various funders, you would still need to find out what each funder’s lending policies are, as some policies may be either be detrimental or favourable to your individual circumstance. That is a lot of man hours for a service you can receive for free. (It does not make a difference for you whether a funder pays their overheads or pays a broker the commission).
By going through a broker, as we do this day in day out, we have most updated policies, products and rates/offers on hand (in our head). A broker will provide you with a professional Statement of Credit Advice (SOCA). Whether you are a doctor and great at savings lives, a teacher shaping our future generation, a gardener beautifying the environment, we all specialise in our individual roles.
I specialise in finding you the most suitable loan for your circumstance.
How do you get paid?
I receive an upfront commission and trail commission from the funder. They are generally a specific percentage of your loan settlement amount and monthly balance, net of offset/redraw. The upfront commission is generally paid to me a month or two after a loan settlement. The trail commission is paid to me monthly in arrears. There is full transparency and the maximum upfront commission and trail commission amount is disclosed in the Statement of Credit Advice (SOCA) which will be provided to you as part of the loan application process. I may also charge a service fee which will be quoted to you up front once I determine the type of service required, loan type and complexity.
Why do the funders pay you a commission?
Funders have operating costs and the broker channel help funders reduce that cost. By paying a broker commission, funders not only reduce their overhead and other running cost (employment, utilities, rental), but they also extend their market reach.
When will I have to pay you a fee?
I may also charge a service fee which will be quoted to you up front once I determine the type of service required, loan type and complexity.
This fee is only due once I have reviewed your financial situation and you decide to proceed.
What is the lowest/cheapest interest rate on the market?
Most funders are competitive with their rates. However, you will find that the lowest interest rates are usually offered by online only funders as they have lower overheads. To qualify for the advertised low rate, an applicant will have to tick all the funder’s boxes, some of which are not obvious. Examples of requirements are: basic product, owner occupied property, 80% lvr or less (meaning higher deposit), Principal and Interest repayment, minimum loan amount and loan limit…to name a few.
Quite often, people make the mistake of applying with these online funders only to find out that they do not qualify for those rates. Time and effort would have been wasted, not to mention an enquiry on their credit check and opportunity costs too!
These loans may or may not suit your individual circumstance. So, best to do your research prior to chasing the lowest interest rate.