Your Next Move
Starts Here
Whether you're saving for your first home, ready to move into your next, or wondering whether your current mortgage is still working for you, we'll help you understand your options and make your next move with confidence
No overwhelm. No unnecessary finance-speak. Just clear, personalised guidance from someone who's genuinely in your corner.
No pressure. Just a conversation about where you're at and where you'd like to go.
SOUND FAMILIAR?
You've worked hard to get where you are. Now you're wondering what's possible next.
You don't need to know which lender you want, exactly how much you can borrow, or even whether you're ready to make a move yet.
That's my job.
You might simply know that something needs to change.
"I've been saving. Could I actually buy?"
You've built your career, grown your savings and you're starting to wonder whether home ownership might finally be within reach.
I'll help you understand where you stand, what you could realistically do now, and if you're not quite there yet, what needs to happen next.
"I think I'm ready for something more."
Your first home has done its job, but life has moved on.
Whether you're after more space, a different location or simply ready for your next chapter, I'll help you work out what your equity, income and current lending could mean for your next purchase.
"I haven't looked at my mortgage in ages."
Your life has probably changed since you took out your loan. Your mortgage may have too.
I'll review what you currently have and help you understand whether your rate, loan structure and features are still competitive and suitable for where you're heading.
You're capable. Your mortgage doesn't need to become your second job.
You've already got a career, a life and plenty competing for your attention.
You shouldn't also have to become an expert in lender policy, borrowing capacity, loan structures and interest rates just to make a smart property decision.
That's where I come in.
I'll do the research, explain what actually matters and help you weigh up your options so you can make an informed decision without feeling rushed, talked down to, or completely overwhelmed.
And while buying property may involve some financial choices, my starting point isn't to tell you to give up everything you enjoy.
It's to understand the life you're trying to build and find a lending strategy that supports it.
YOUR LOAN SHOULD FIT YOUR LIFE - not the other way around
What does your next move
look like?
You don't need to have every detail figured out before we talk.
Choose the place that sounds most like where you're at now.
First Home Buyers
Your first place. Your way.
Buying your first home can be exciting and terrifying in almost equal measure.
We'll help you understand how much you can comfortably borrow, what your deposit means, the costs involved, available lending options, and what needs to happen before you start making offers.
You'll know what the numbers mean - and why.
Next Home Buyers
Ready for what's next?
Maybe you've outgrown your current home. Maybe your priorities have changed. Or perhaps you're simply ready to see what all that hard work has made possible.
We'll look at your current property, equity, lending and future plans so you can understand what your next move could realistically look like.
Refinancing
Make sure your mortgage still deserves you.
If it's been a while since you've reviewed your home loan, we'll take a fresh look at your rate, loan structure and available options.
Refinancing isn't always the answer. Sometimes your existing lender can still be the right fit.
The goal is simply to make sure your lending is still working for you.
MEET ANDREA
I've sat on your side of the table too.
I've spent more than 25 years working in financial services, but mortgage broking wasn't where my career began.
After years in the corporate world, I found myself working alongside my husband in his mortgage broking business while our three boys were younger.
A couple of years in, I had a fairly simple thought: I can do this myself.
So I did.
After working within some of Australia's larger lending networks, I achieved a goal I'd had from the beginning - creating my own brand, Villers Finance Group.
The reason I particularly love working with professional women?
Years ago, I bought my own first home as a single professional woman.
The mortgage broker was male. The real estate agent was male. The whole experience felt intimidating, and I wasn't always confident that the people around me really understood what mattered to me or were genuinely in my corner.
I remember how that felt.
Today, I get to be the person I would have loved to have beside me back then.
Someone who knows the finance, explains what's happening, tells you the truth, answers the questions you think you “should” already know - and helps you feel confident about the decisions you're making.
Finance may be what I do.
But helping people feel capable of making their next move is the part I love.
Smart finance. Straight answers. A little bit fabulous.
Mortgage broking without the mystery.
Securing finance shouldn't feel like a second job. We handle the complexities behind the scenes, so you can stay focused on the exciting part - finding your perfect property.
01
Let's talk.
A relaxed chat to unpack your goals, understand your financial position, and map out the best path forward.
You don't need to start out knowing all the answers.
02
What's possible.
We'll look at the bigger picture and recommend options that help you achieve your actual goal.
We'll gather the information and documentation needed, and research lending options suited to your circumstances.
The lowest rate isn't automatically the best option.
03
We'll handle the heavy lifting.
After selecting a product, we'll prepare and submit your application and work with the lender throughout assessment and approval.
We'll keep you informed as things progress so you're not left wondering what's happening behind the scenes.
04
Settlement isn't goodbye.
Once your loan settles, we'll make sure you understand the new loan and anything that needs to happen next.
Then I'll stay in touch.
We'll help keep an eye on whether your lending is still competitive and suitable as life changes - right up until we're working together on your next move.
Here for this move. And the next one.
I want you to understand your loan - not just sign for it.
You don't need to know everything about mortgages.
But when you're making one of the biggest financial decisions of your life, you deserve to understand the important bits.
I'll explain your options in plain English, talk through the trade-offs and answer your questions alongthe way.
Because my job isn't to make decisions for you.
It's to give you the information, strategy and support you need to make them confidently.
No judgement. No silly questions. No finance degree required.
Questions you might be already thinking
It’s completely normal to have questions before we dive into your financial future. If you can't find your answer here, let's have a chat.
Do I need to be ready to buy before I contact you?
Not at all! In fact, the best time to start planning is well before you're ready to make a move. We can map out a clear timeline so that when the time comes, you're in the strongest possible position.
What happens during the first chat?
We'll have a relaxed, no-obligation conversation about where you are financially and where you want to go. It's simply about getting to know you and seeing if my strategic approach aligns with what you need.
How much preparation do I need before we speak?
None. You don't need spreadsheets, paperwork, or a perfect credit score to book a chat. Just bring your goals and any questions you have. We'll handle the heavy lifting when the time comes.
Will you help me figure out my borrowing capacity?
Yes, absolutely. Once we understand your personal financial landscape, we'll calculate your precise borrowing power and structure a strategy that fits your lifestyle without overextending you.
Should I just choose the lender with the lowest rate?
Not necessarily. Interest rate matters, but it's only one part of the decision.
Lender policy, borrowing capacity, loan features, fees, flexibility and how the loan fits your future plans can all be just as important. My role is to help you weigh those factors up.
Can you help if I already have a mortgage?
Absolutely! If you'd like me to review your current lending and make sure it's still working well for you, we can look at your existing rate, structure and circumstances and assess the available options.
Refinancing isn't always necessary - sometimes staying put is the right answer.
Do you only work with women?
While my core focus is empowering professional women to build wealth confidently, I work with anyone who values a clear, supportive, and strategic approach to finance. Clients from all walks of life are always welcome!
I don't live in Melbourne. Can you still help me?
Absolutely! I work with clients across Australia with much of the mortgage process managed by phone, email and video meeting.
You don't need to know your next move before we talk.
Maybe you're ready now.
Maybe you're six months away.
Maybe you simply want to know whether the idea you've been thinking about is actually possible.
That's exactly what the first conversation is for.
Let's talk about where you're at, where you'd like to go and what the numbers might look like.
Pick a time that suits you. We'll take it from there.
Blondie Finance Pty Ltd trading as Villers Finance Group (ABN 47 661 827 514 / Credit Representative Number 542665) has access to a panel of lenders through National Mortgage Brokers Pty Ltd (ACN 093 874 376 / Australian Credit Licence 391209), which is a fully-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983 / Australian Credit Licence 286596). Villers Finance Group has access to products including those from Liberty Financial. Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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