Clarity
No jargon and no rushing you through paperwork. If you cannot explain your own loan back to me, I have not done my job.
I started Kula Financial Services because I kept meeting people who had been handed a loan without ever being told why it was the right one. A mortgage is the largest financial commitment most of us make. You deserve to understand it.
Based in Melbourne and working with clients right across Australia, I help first home buyers who are not sure where to start, families refinancing after rates moved, and investors building something longer term. The work is the same either way. Understand your situation properly, compare what is genuinely available to you, and explain the trade offs in language that actually means something.
What clients tell me they value most is that I am straight with them. If a loan is not right, I will say so. If waiting a few months would put you in a stronger position, I will tell you that too, even though it means I wait as well.
After settlement
Plenty of brokers disappear once the loan settles. I review your lending regularly, because the deal that suited you two years ago may not be the one that suits you now. When something better becomes available, you will hear it from me.
Mirna Kula is a licensed Australian Credit Representative (number 546183) of QED Credit Services Pty Ltd, Australian Credit Licence number 387856.
Why Choose Us
Choice
Lender policy changes constantly. I keep across it so your application goes to the lender most likely to say yes on the terms you want.
Care
You get me directly, not a call centre. Questions during the process, and long after settlement, get answered.