Cobblestone Financial

Cobblestone Financial is about structured, financial solutions to help you achieve your goals. Understanding your strengths and weaknesses. Clients are for life.

At Cobblestone Financial, we know It's not just about getting a loan, it's more than that...

It's about getting to know you as a client. Learning what your goals are both short and long term. It's about listening, I mean really listening, and then coming up with a specific plan that is going to help you achieve your goals as well as considering your future. What is important to you? What are you

07/03/2024

With all the hype around AI, I thought I would cover off all the reasons why you should use a Mortgage Broker!

Firstly, brokers have access to a wide range of lenders and loan products, allowing us to offer borrowers more options and potentially better terms than they could find on their own.
Additionally, mortgage brokers can save borrowers time and hassle by handling much of the paperwork and negotiation involved in securing a loan.
Our expertise and knowledge of the mortgage market can also be invaluable in helping borrowers navigate complex financial situations or find solutions to specific needs.
Furthermore, brokers often have established relationships with lenders, allowing us to go in and fight on your behalf to get your application across the line.
We know what the lenders are looking for so we can cover everything up front giving your application the best chance of approval.
Overall, working with a mortgage broker can streamline the home-buying process and increase the likelihood of securing favorable financing terms.
Finally, it’s nice to have a person you can count on and know that you can call if you have questions at any time without being put on hold for 20 minutes~

04/03/2024

Interest Rate Update – Lowest rates today
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 5.94% (comparison rate 5.95%)
Packaged Variable - Principle and Interest repayments at 6.09% (comparison rate 6.64%)
Fixed 1 year – Principle and interest repayments at 5.89% (comparison rate 5.94%)
Fixed 2 year – Principle and interest repayments at 5.79% (comparison rate 6.69%)
Fixed 3 year – Principle and interest repayments at 5.79% (comparison rate 5.92%)
Fixed 4 year – Principle and interest repayments at 5.89% (comparison rate 6.65%)
Fixed 5 year – Principle and interest repayments at 5.94% (comparison rate 5.95%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.25%)
Packaged Variable - Principle and Interest repayments at 6.29% (comparison rate 7.19%)
Basic Variable – Interest only repayments at 6.44% (comparison rate 6.60%)
Packaged Variable - Interest only repayments at 6.44% (comparison rate 7.84%)

***Please contact us for rates specific to your circumstances***

17 Castaway Cove, Halls Head, WA 6210 26/02/2024

This gorgeous family home in Halls Head is open this Sunday.
Get in touch with Christine and Michael Goodwin.

17 Castaway Cove, Halls Head, WA 6210 Presented with a coastal allure, this captivating 5 bedroom and 2 bathroom brick and tile home beckons with its astute and sort-after location, mere moments from sandy shores. Upon stepping inside, you're greeted by an oasis of big, bold spaces offering comfort, epitomising coastal living....

23/02/2024

Love a Friday 5-star review!

The 87 overachieving suburbs where house price growth outperformed the market - realestate.com.au 21/02/2024

The 87 overachieving suburbs where house price growth outperformed the market - from Realestate.com.au

The 87 overachieving suburbs where house price growth outperformed the market - realestate.com.au Analysis of the latest valuation data has revealed the high-performing suburbs across Australia with the strongest house price growth in their region.

19/02/2024

Interest Rate Update – Lowest rates today
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 5.94% (comparison rate 5.94%)
Packaged Variable - Principle and Interest repayments at 6.09% (comparison rate 6.09%)
Fixed 1 year – Principle and interest repayments at 5.89% (comparison rate 5.94%)
Fixed 2 year – Principle and interest repayments at 5.79% (comparison rate 6.69%)
Fixed 3 year – Principle and interest repayments at 5.79% (comparison rate 5.92%)
Fixed 4 year – Principle and interest repayments at 5.89% (comparison rate 6.65%)
Fixed 5 year – Principle and interest repayments at 5.94% (comparison rate 5.94%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.44% (comparison rate 6.60%)
Packaged Variable - Interest only repayments at 6.44% (comparison rate 7.77%)

***Please contact us for rates specific to your circumstances***

13/02/2024

Interest Rate Update – Lowest rates today
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 6.04% (comparison rate 6.04%)
Packaged Variable - Principle and Interest repayments at 6.09% (comparison rate 6.09%)
Fixed 1 year – Principle and interest repayments at 6.14% (comparison rate 5.91%)
Fixed 2 year – Principle and interest repayments at 5.99% (comparison rate 6.26%)
Fixed 3 year – Principle and interest repayments at 5.94% (comparison rate 5.90%)
Fixed 4 year – Principle and interest repayments at 6.19% (comparison rate 7.42%)
Fixed 5 year – Principle and interest repayments at 5.99% (comparison rate 7.20%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.54% (comparison rate 8.28%)
Packaged Variable - Interest only repayments at 6.44% (comparison rate 7.77%)

***Please contact us for rates specific to your circumstances***

12/02/2024

Clear out your personal debt and free up your cash flow with debt consolidation.
Get in touch to see if you have enough equity in your home to consolidate any personal debts and reduce your monthly loan bills.

09/02/2024

Friday vibes :)
Thank you Samantha!

07/02/2024

Did you know that we can also finance a pool or renovation?
Book an online appointment today and find out how much you can borrow.
https://www.cobblestonefinancial.com.au/book-online

06/02/2024

Statement by the Reserve Bank Board: Monetary Policy Decision 6 February 2024. At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 percent and the interest rate paid on Exchange Settlement balances unchanged at 4.25 percent.

02/02/2024

Always nice to finish the week off with a 5-star review! Thank you Blair!

01/02/2024

Interest Rate Update – Lowest rates today
Based on 500k at 80% LVR
Owner Occupied
Basic Variable - Principle and Interest repayments at 6.04% (comparison rate 6.04%)
Packaged Variable - Principle and Interest repayments at 6.09% (comparison rate 6.09%)
Fixed 1 year – Principle and interest repayments at 6.14% (comparison rate 5.91%)
Fixed 2 year – Principle and interest repayments at 5.99% (comparison rate 6.26%)
Fixed 3 year – Principle and interest repayments at 5.94% (comparison rate 5.90%)
Fixed 4 year – Principle and interest repayments at 6.19% (comparison rate 7.42%)
Fixed 5 year – Principle and interest repayments at 5.99% (comparison rate 7.20%)
Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.54% (comparison rate 8.28%)
Packaged Variable - Interest only repayments at 6.44% (comparison rate 7.77%)
***Please contact us for rates specific to your circumstances***

Relief for borrowers amid fresh signs interest rates have peaked - realestate.com.au 31/01/2024

Some good news from Realestate.com.au
Relief for borrowers amid fresh signs interest rates have peaked

Relief for borrowers amid fresh signs interest rates have peaked - realestate.com.au Borrowers have received the strongest indication yet that the RBA is finished hiking rates, with eyes now on the timing of the first cut.

29/01/2024

Australia's median property price reached a record $757,746 at the end of 2023, after another year of growth.

The median price rose 3.0% during the pandemic year of 2020, surged 24.5% in 2021, contracted 4.9% in 2022 and then climbed another 8.1% in 2023, according to CoreLogic.

The median price for the combined capitals ended 2023 at record levels, while the combined regions were just 1.5% off peak.

December was the 11th consecutive month of price gains (see graph) – however, as CoreLogic research director Tim Lawless noted, it was also the smallest of those monthly gains, at 0.4%.

“After monthly growth in home values peaked in May at 1.3%, a rate hike in June and another in November, along with persistent cost of living pressures, worsening affordability challenges, rising advertised stock levels and low consumer sentiment, have progressively taken some heat out of the market through the second half of the year,” he said.

As interest rates move up and down, so does the average person's borrowing power. Borrowing power tended to decline in 2023 and is likely to change again in 2024 as rates evolve. The other point worth mentioning is that your borrowing power can vary significantly from lender to lender. The good news is that I can match you with a bank that wants to lend to someone with your situation.

26/01/2024
Forget Byron Bay, these coastal hotspots are tipped to boom in 2024 - realestate.com.au 25/01/2024

Move over Byron Bay, property experts have handpicked 35 coastal suburbs tipped to outperform this year, with many still offering affordable homes.
From RealEstate.com.au

Forget Byron Bay, these coastal hotspots are tipped to boom in 2024 - realestate.com.au Property experts have handpicked the best coastal suburbs in Australia for 2024, offering a mix of growth, amenities and infrastructure.

23/01/2024

Interest Rate Update – Lowest rates today
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 6.04% (comparison rate 6.04%)
Packaged Variable - Principle and Interest repayments at 6.09% (comparison rate 6.09%)
Fixed 1 year – Principle and interest repayments at 6.14% (comparison rate 5.91%)
Fixed 2 year – Principle and interest repayments at 5.99% (comparison rate 6.26%)
Fixed 3 year – Principle and interest repayments at 5.94% (comparison rate 5.90%)
Fixed 4 year – Principle and interest repayments at 6.29% (comparison rate 5.98%)
Fixed 5 year – Principle and interest repayments at 5.99% (comparison rate 7.20%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.54% (comparison rate 8.28%)
Packaged Variable - Interest only repayments at 6.44% (comparison rate 7.77%)

***Please contact us for rates specific to your circumstances***

11/01/2024

Another lovely 5-star review.

Notice to Vacate Due to Sale of Property: Tenant and Landlord Rights 10/01/2024

Great article on Realestate.com - Notice to vacate due to sale of property: tenant and landlord rights when rental property is being sold
https://www.realestate.com.au/advice/renters-rights-home-sale/

Notice to Vacate Due to Sale of Property: Tenant and Landlord Rights It's the news no tenant wants to hear: the landlord is selling. Fortunately, the reality is rarely as bad most first fear.

08/01/2024

Interest Rate Update – Lowest rates
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 5.99% (comparison rate 5.99%)
Packaged Variable - Principle and Interest repayments at 6.09% (comparison rate 6.09%)
Fixed 1 year – Principle and interest repayments at 5.99% (comparison rate 7.73%)
Fixed 2 year – Principle and interest repayments at 5.99% (comparison rate 6.26%)
Fixed 3 year – Principle and interest repayments at 5.94% (comparison rate 5.90%)
Fixed 4 year – Principle and interest repayments at 6.29% (comparison rate 5.98%)
Fixed 5 year – Principle and interest repayments at 5.99% (comparison rate 7.20%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.44% (comparison rate 6.76%)
Packaged Variable - Interest only repayments at 6.44% (comparison rate 7.77%)

***Please contact us for rates specific to your circumstances***

03/01/2024

Interest Rate Update – Lowest rates as at 02/01/2024
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 5.99% (comparison rate 5.99%)
Packaged Variable - Principle and Interest repayments at 6.09% (comparison rate 6.09%)
Fixed 1 year – Principle and interest repayments at 5.99% (comparison rate 7.73%)
Fixed 2 year – Principle and interest repayments at 5.99% (comparison rate 6.26%)
Fixed 3 year – Principle and interest repayments at 5.94% (comparison rate 5.90%)
Fixed 4 year – Principle and interest repayments at 6.29% (comparison rate 5.98%)
Fixed 5 year – Principle and interest repayments at 5.99% (comparison rate 7.20%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.44% (comparison rate 6.76%)
Packaged Variable - Interest only repayments at 6.44% (comparison rate 7.77%)

***Please contact us for rates specific to your circumstances.***

02/01/2024

Happy New Year!
We are back and pumped for 2024!
So many ideas and changes coming up in the new year so that we can continue to offer our clients 5-star service.
I am so excited for the year ahead and can't wait to share all our successes with you.
Wishing everyone an amazing 2024!

19/12/2023

Interest Rate Update
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 5.89% (comparison rate 5.89%)
Packaged Variable - Principle and Interest repayments at 5.94% (comparison rate 7.14%)
Fixed 1 year – Principle and interest repayments at 5.99% (comparison rate 7.59%)
Fixed 2 year – Principle and interest repayments at 5.99% (comparison rate 6.26%)
Fixed 3 year – Principle and interest repayments at 5.94% (comparison rate 5.90%)
Fixed 4 year – Principle and interest repayments at 6.29% (comparison rate 5.98%)
Fixed 5 year – Principle and interest repayments at 5.99% (comparison rate 7.20%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.34% (comparison rate 6.66%)
Packaged Variable - Interest only repayments at 6.39% (comparison rate 7.87%)

***Please contact us for rates specific to your circumstances.***

2023: Resilience, recovery and an unlikely upswing 14/12/2023

The much anticipated Best of the Best report by Corelogic is here!
The pressure of climbing interest rates, stretched affordability, and the 'fixed rate cliff' stress tested the housing market through 2023, however resilience largely prevailed, CoreLogic's Best of the Best report reveals.

2023: Resilience, recovery and an unlikely upswing The pressure of climbing interest rates, stretched affordability, and the 'fixed rate cliff' stress tested the housing market through 2023, however resilience largely prevailed, CoreLogic's Best of the Best report reveals.

13/12/2023

Interest Rate Update – Lowest rates
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 5.89% (comparison rate 5.89%)
Packaged Variable - Principle and Interest repayments at 5.94% (comparison rate 7.14%)
Fixed 1 year – Principle and interest repayments at 5.99% (comparison rate 7.59%)
Fixed 2 year – Principle and interest repayments at 5.99% (comparison rate 6.26%)
Fixed 3 year – Principle and interest repayments at 5.94% (comparison rate 5.90%)
Fixed 4 year – Principle and interest repayments at 6.29% (comparison rate 5.98%)
Fixed 5 year – Principle and interest repayments at 5.99% (comparison rate 7.20%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.34% (comparison rate 6.66%)
Packaged Variable - Interest only repayments at 6.39% (comparison rate 7.87%)

***Please contact us for rates specific to your circumstances.***

05/12/2023

In its last monetary policy decision of the year, the Reserve Bank of Australia (RBA) left the cash rate on hold at today’s board meeting.

The decision comes as new data from the Australian Bureau of Statistics showed annual inflation eased sharply from 5.6% to 4.9% in October as higher interest rates worked to cool the economy.

But while inflation is significantly down from the peak of 8.4% in December 2022, RBA governor Michele Bullock recently warned that “homegrown” inflation was proving more persistent than expected.

As such, many believe we’re not out of the woods just yet.

Full link in the comments

With the interest rate picture looking uncertain, it can help to talk to an expert. Contact me if you'd like to discuss your situation and options.

04/12/2023

Interest Rate Update – Lowest rates as at today
Based on 500k at 80% LVR

Owner Occupied
Basic Variable - Principle and Interest repayments at 5.89% (comparison rate 5.89%)
Packaged Variable - Principle and Interest repayments at 5.94% (comparison rate 7.14%)
Fixed 1 year – Principle and interest repayments at 5.99% (comparison rate 7.59%)
Fixed 2 year – Principle and interest repayments at 5.99% (comparison rate 6.26%)
Fixed 3 year – Principle and interest repayments at 5.94% (comparison rate 5.90%)
Fixed 4 year – Principle and interest repayments at 6.29% (comparison rate 5.98%)
Fixed 5 year – Principle and interest repayments at 5.99% (comparison rate 7.20%)

Investment
Basic Variable - Principle and Interest repayments at 6.24% (comparison rate 6.24%)
Packaged Variable - Principle and Interest repayments at 6.24% (comparison rate 7.42%)
Basic Variable – Interest only repayments at 6.34% (comparison rate 6.66%)
Packaged Variable - Interest only repayments at 6.39% (comparison rate 7.87%)

***Please contact us for rates specific to your circumstances.***

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Telephone

Address


27 Norseman Way
Mandurah, WA
6211

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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