BOUTIQUE FINANCIAL SERVICES

Assisting every step of your mortgage

With over 18 years in Mortgage and Finance experience, and now an awarded Senior Broker in 2021 among her peers, Michelle strives to create a bespoke home loan to suit each and every customer. Since making the move from Aussie Home Loans in 2016, and creating Bespoke Money, Michelle has built what is now a dynamic and professional home loan specialist company.

Bespoke Money offer free advice and products from a panel of 40+ lenders, and are only paid a commission by the lender if we successfully settle your loan. You as the customer are protected by ‘Best Interest Duty’. As your Broker, we are legally bound to offer you the cheapest and most appropriate home loan, dealing directly with your bank, you are not protected by this legislation.

Types of Loans

Standard Variable Rate Home Loan

Offer all the bells and whistles available with maximum flexibility.

Discount & Introductory Home Loans

Offer you a no frills home loan on a lower / discounted rate, with fewer features. Most come with penalties for discharging the loan in years 1, 2 or 3.

Fixed Rate Home Loan

Great for security, protecting you from upward movements in rates for an agreed length of time. However, you won’t benefit when rates drop and if you need to discharge your loan during the fixed rate period there may be an additional economic cost. You also have limited ability to pay more than the minimum repayments during the fixed term.

Combination Or Split Rate Home Loans

Combination or split rate home loans offer the flexibility of a variable rate and the certainty of a fixed rate, so you benefit when rates drop and are protected when they increase.

Equity Loans Or Line Of Credit

Allow you to unlock the equity in your existing home. They allow you to use the equity in your home in a manner similar to a credit card. A limit of the facility is set, and is only drawn when you require it.

Offset Loans

Offering you an account that works against your variable rate mortgage, reducing the interest you pay on a daily basis. Offset loans work best for prudent budgeters.

Construction Loans

For those building a home or renovating an existing home, we can arrange a construction loan for you.

Low Documentation And No-Documentation Home Loans

These loans are available to self-employed applicants for investment purposes. Evidence of income and asset/liability positions is not required. These loans attract a higher interest rate.

Non-Conforming Home Loans

Applicants who do not meet the ‘standard’ lending criteria may elect a non-conforming loan. These are typically for applicants with an impaired credit history, are unable to provide the required documentation in support of their home loan, or wish to borrow more than 100% of the property value.

Family Security Guarantee or 105% Loans

If you’re finding it tricky to reach a deposit of 20% or higher on your home loan, that’s where a Family Security Guarantee comes in. It allows a family member to act as guarantor to secure your deposit, so you have a bit more borrowing power. This can reduce your Loan to Value Ratio (LVR) to under 80%, which means you can avoid paying Lender’s Mortgage Insurance (LMI) on top of your deposit.

That family member can choose cash (like tucked-away savings or term deposit funds) or equity from their home to use as security, and they won’t need to give any funds directly to the borrower. Here’s an example of how the guarantee works If you wanted to borrow $270,000 (to cover the loan amount, and other costs, but not LMI) for a property valued at $300,000.

Why Choose Bespoke Money

About Us

Michelle takes great pride in offering her clients a 5 star service throughout the loan process, post settlement, and for the life of your loan. It is her aim to make sure that your future portfolio and property requirements are met with professionalism, making the right choices early and reaping the rewards for years from these well informed decisions.

It is my job to find you the loan that is best suited to your needs and I take this very seriously ensuring all things are considered with the loan such as rate, features and short and long term goals.

As a director, Michelle has built a strong reputation for her honesty, integrity and vast knowledge of the Mortgage finance. Once she understands your financial position, she will quickly match your needs with one or more loans from her trusted providers, ensuring that you get the most competitive rates and terms for your loan. Michelle’s access to Bespoke Money network of lenders ensures that you receive the offers you need, very quickly.

Michelle | Bespoke Money

Why go to 1 bank when you can go to 40+ banks ?

As a director, Michelle has built a strong reputation for her honesty, integrity and vast knowledge of the finance sector. Once She understands your financial position, she quickly matches your needs with one or more loans from trusted providers, ensuring that you get the most competitive rates and terms for your loan. Michelle’s access to Bespoke Money network of lenders ensures that you receive the offers you need, very quickly.

Equity Loans Or Line Of Credit
Discount & Introductory Home Loans
Construction Loans
Standard Variable Rate Home Loan
Non-Conforming Home Loans
Combination Or Split Rate Home Loans
Bespke money | services and benefits

Bespoke Money Services

01
Residential
  • Refinance
  • Upgrade
  • Downsize
  • Investment or Owner Occupied purchases
  • Construction Loans
  • Renovation Loans
  • Knockdown / Rebuild Loans
  • Equity Release
  • Family Equity – 105% Home Loans
  • Debt consolidation
02

Bespoke Money takes a holistic approach to your home loan requirements and offers referrals to the most reputable conveyancers, accountants, financial planners, and building & pest inspectors.

Testimonials
"Michelle gave me great advice and helped me tailor a solution that perfectly suited my current financial situation. Communication was superb during the entire process, my loan quickly and easily approved once Michelle had verified all my information. It is always such a pleasure working with professional, responsive and talented professionals and Michelle absolutely portrays all of these qualities."
- Tanya Raath
"Michelle has been a pleasure to work with. She is a great listener, ever ready to help and support the client. Her advice has been spot on, and we look forward to working with her again. "
- Sabrina Rashid
"Happy to recommend Michelle and her team. At a time where the banks are beyond busy and lead times to get approvals are well beyond reasonable and contracted settlement times, Michelle was able to pull more than one rabbit out of the hat. Thanks to her advice and persistence I got into my new home with limited hassle and with a great mortgage. Looking forward to continuing to use Michelle over the term of the loan to make sure we are always getting the best deal."
- David Arbuckle
"Thanks for all your time and assistance Michelle. Your expertise and professionalism was invaluable in guiding us through a tricky process. We are really happy with the result and would happily recommend you to anyone seeking finance."
- Amanda Hetherington

This testimonial was given by our customers. They are induvial experiences of our customer that has used our service. However, they are induvial results and outcomes may vary. We do not claim they are typical results that consumers will generally achieve. (Bespoke Money) cannot and does not guarantee results. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.