Home loans for solo parents, first home buyers and self employed Aussies - Without the jargon or judgement.

Most banks see you as a risk. We help you get clear, kind advice and a loan that actually fits your life

Book a free 15min chat

0428 889 893

What we do

Single parents

When you’re raising kids and running a household solo, navigating a mortgage application can feel impossible — but it doesn’t have to be.

We look at your whole financial picture, not just your payslips, and create a clear, realistic plan that actually fits your life.

You deserve support, clarity, and a broker who understands the load you carry.

No overwhelm. No judgement.

Just a team committed to helping you build stability and security for your family.

First home Buyers

Buying your first home can feel like learning a new language while juggling life, work, and everything else — but it doesn’t have to.

We guide you step by step, from deposits and government grants to all those “wait… what does that even mean?” moments.

You get clear answers, a personalised plan, and a broker who keeps you in the loop — so you can buy with confidence.

Self employed

Life as an ABN-holder is rewarding… and a little chaotic — and that’s okay!

Your income might not fit into neat boxes, but we know exactly how to present it.

We specialise in loans for business owners, contractors, freelancers, and sole traders — working with lenders who truly understand self-employed borrowers.

Less back-and-forth. More “approved.”

Investments

Whether its your first investment or your fifth, strategy matters.

We help you structure your finance for long term growth and lending flexibility without the jargon.

Market shifts? Policy changes? Interest rate tweaks?

We stay across it all so you can focus on building your portfolio with clarity and control.

Have the most wonderful weekend ❤️ Rest. Recover! Be safe 😘

We've been working on something exciting and we csnt wait to share it 😜.... next week

#singlemum #womenandwealth
#womeninspiringwomen

The myth:

“I’ll look into it when things calm down.”

Single mums don’t get “calm seasons.”

We get manageable chaos on a good day.

If you’re waiting for:
– more sleep
– more savings
– more confidence
– less stress

You’ll be waiting forever. (Ask me how I know.)

Most of the mums I work with didn’t start because they felt ready.

They started because staying stuck felt heavier than starting scared.

And just to be clear:

Asking questions is not commitment.
Having a conversation is not failing.
Exploring options doesn’t mean you have to say yes to anything.
It just means you stop carrying the “what if” alone.

#singlemum #mumsinbusinessinaustralia #mortgagebrokeraustralia

If you have been following my account for awhile you will know a few things about me.

I'm a mum

I'm a mortgage broker

I'm a gently encouraging little marshmallow that loves to make people smile.

What you dont see in a polished platform like this is:

Some days I do not have the spoons for bullshit..

Some days, I connect with people who just aren't my vibe and it sucks the life out of you.

Just a little reminder that being kind is a choice.

Doing good in the world is a choice.

I'll always make that choice, will you?

#mumlife #lol #womeninspiringwomen

Yesterday I talked about how heavy it can feel carrying everything on your own.

Today I want to say this part out loud:

You’re not behind. You’re just doing a lot.

Life doesn’t pause because you’re a parent.

Bills don’t wait.

Dreams don’t politely reschedule.

And yet you’re still here. Still trying. Still showing up.

Sometimes progress looks like action.

Sometimes it looks like rest.

Sometimes it looks like quietly surviving a week that tried to knock you flat.

All of it counts.

If today all you did was keep everyone alive and fed- that’s enough.

If you also dreamed a little about “one day”

That matters too.

We move forward one honest step at a time 🤍

#singlemum
#mortgagebrokeraustralia
#womensupportingwomen

Sometimes the bravest thing in this process is waiting on purpose.

Not avoidance.

Not giving up.

Just choosing timing over pressure.

There are seasons where the smartest move is to stabilise, gather, and let things line up a little more.

That doesn’t make the goal smaller — it makes it stronger.

I see a lot of people rush because they’re scared the opportunity will disappear.

But the right move isn’t always the fastest one.

Good mortgage advice isn’t about pushing you forward.

It’s about helping you recognise when holding steady is actually progress.

You’re not falling behind.
You’re positioning yourself.

#singlemum #womenandwealth #mortgagebrokeraustralia

Here’s the part no one really prepares you for:

Progress isn’t a straight line.

It’s pauses.

Re-runs of numbers.

Waiting on documents.

Life happening in between.

And none of that means you’re doing it wrong.

I see people assume that if things don’t move quickly, they must be failing — or that they’ve “missed their window”.

Most of the time, they’re just in the middle.

Mortgage journeys often look quiet from the outside.

But under the surface, they’re about small adjustments, better timing, and letting information do its work.

You don’t need constant motion to be moving forward.

You just need direction and support.

Still counts.

#singlemum #mortgagebrokeraustralia #womenandwealth

There’s a moment that comes after the panic settles.

It’s not loud.

It doesn’t look like big declarations or sudden leaps.

It sounds more like:

“Okay. I can work with this.”

That’s confidence, not the Instagram kind, but the grounded kind that comes from understanding your options and your limits.

This is where people stop outsourcing their power to algorithms, opinions, or horror stories.

They start making decisions from a place of self-trust.

A good mortgage conversation doesn’t tell you what to do.

It helps you see clearly enough to decide for yourself.

No hype.
No pressure.
Just support that lets you stand a little taller in your own choices.

Quiet confidence counts.

#singlemum #mortgagebrokerlife ##womenandwealth

Queen side eye strikes again... one day.. just once.. I will get a cute photo of us together 😅...

This is her best "I know you're going to work and how dare you" face...

#mumlife #mumsinbusinessinaustralia

After clarity comes something quieter, but more important:

steadiness.

Not excitement.

Not hype.

Just that grounded feeling of “okay… I know where I stand now.”

This is usually the moment people stop catastrophising.

They stop Googling at midnight.

They stop assuming every delay means they’ve failed.

Because once you understand your position, you can make decisions without panic.

You can plan instead of brace.

You can take the next step when it actually makes sense.

Mortgage broking, at its best, isn’t about urgency.

It’s about removing noise so you can think clearly.

And clarity doesn’t rush you — it supports you.

Slow. Informed. Intentional.

#singlemom #womenandwealth ##mortgagebrokeraustralia

Something that doesn’t get talked about enough:

You’re allowed to gather information without committing to anything.

A conversation isn’t a contract.

Asking questions isn’t “leading someone on.”

And talking to a broker doesn’t mean you’re suddenly on a conveyor belt toward a loan.

Sometimes people come to me just wanting to understand their options.

Or to check whether the goal they’re quietly holding is realistic.

Or to sense-check what they’ve been told before.

That still matters.

Because informed decisions are calmer decisions.

And calm is powerful — especially when money, security, and kids are involved.

You don’t owe anyone urgency.

You’re allowed to move at a pace that feels safe.

Information first.

Pressure never.

#singlemom #womenandwealth #mortgagebrokeraustralia

One thing I see all the time:

People delaying the conversation because they’re afraid of the answer.

Afraid it’ll be a hard no.

Afraid they’ll feel judged.

Afraid it’ll confirm the story they’re already telling themselves.
But clarity is almost always kinder than silence.

Sometimes the answer is “yes, sooner than you think.”

Sometimes it’s “not right now — and here’s what would actually help.”

And sometimes it’s just naming the things that aren’t deal-breakers, so you can breathe again.

Mortgage conversations don’t have to be heavy or high-pressure.

They can be calm.

Human.

Grounding.

And even when the timing isn’t right yet, knowing where you stand changes how you move forward.

No fear tactics.

No pushing.

Just honest conversations, at your pace.

#singlemom #womenandwealth #mortgagebrokeraustralia

A lot of people think the first step toward a home loan is a calculator.

It’s not.

It’s a conversation where you don’t feel rushed.

Where you’re allowed to say, “I don’t even know if this is possible.”

Where your situation doesn’t get reduced to a number on a screen.

Especially if you’re doing this on one income.

Especially if your path hasn’t been neat or linear.

Good mortgage broking isn’t about pushing people into readiness.

It’s about meeting them where they are and giving them clarity — even if the answer is “not yet”.

Sometimes the most valuable outcome of a chat isn’t an approval.

It’s relief.

A plan.

Or simply knowing you’re not as far off as you thought.

No pressure. No timelines.

Just information and support — when you’re ready.

#singlemom #womenandwealth #mortgagebrokeraustralia

If today was about permission, tomorrow is about action (the gentle kind).

Not the “fix your whole life by Monday” energy.

The “what’s one small thing I can look at without spiralling” kind.

One question.

One conversation.

One email you’ve been avoiding because it feels loaded with meaning.

You don’t need confidence first.

You don’t need everything lined up.

You just need enough safety to start.

Momentum doesn’t come from being fearless.

It comes from being supported.

So if you’re reading this and thinking, “I could do one small step”

— that’s it. That’s the work.

No rush. No shame.
Just forward.

#womenandwealth #womeninspiringwomen #lunchdates

Yesterday’s post stirred up a few DMs.

Nods.

“Thank you for saying this.”

A couple of “I thought it was just me.”

So let me say this part clearly today:

If you’re doing this on your own- parenting, working, rebuilding, trying to make grown-up money decisions with a nervous system that’s already doing parkour, you’re not behind.

You’re not failing.

You’re not “too hard”.

You’re just carrying more than most people ever have to consider.

And the goal isn’t perfection.

It’s progress with support.

Clarity instead of shame.

Conversations instead of assumptions.

If yesterday’s post hit a nerve, today’s is your permission slip to ask questions, take up space, and not have it all figured out yet.
We keep going. One honest step at a time.

#mumlife #mortgagebrokeraustralia #womenandwealth

POV: You ask about a home loan and the industry responds by dumping 73 nearly identical options on your lap and saying,
“✨Hope this helps✨”

Fixed. Variable. Split. Offset. Package. Professional. Basic. Discounted-but-only-if-you-breathe-correctly.
All explained in a 42-page PDF no one asked for.
And then shockingly people feel overwhelmed, freeze, or pick something that quietly costs them tens of thousands over time.
But sure. Let’s pretend the problem is “clients not doing enough research.”

Here’s the uncomfortable truth:
Most people don’t need more choice.
They need less noise and more honesty.
They need someone to say:
“Nope, that one’s trash.”
“This one looks shiny but will absolutely bite you later.”
“And this one? Boring, stable, fits your life. That’s the one.”

Because mortgage broking shouldn’t feel like being locked in a Costco meat aisle with a blindfold on and a 30-year commitment breathing down your neck.

And yet… here we are.

If you’re overwhelmed, you’re not bad with money.
You’re just being offered chaos disguised as choice.
My job isn’t to impress you with options.

It’s to protect your nervous system and your future at the same time.

#mortgagebroker #industrytruths #decisionfatigue #financebutmakeithuman #hotdogeconomics

Buying a home as a mum can feel… a lot.

Especially if you’re doing it on one income, juggling kids, work, and everything else life throws at you.

I put together a free guide for mums who want to understand:
• how buying actually works
• what your options can look like on one income
• where to start (without needing to have it all figured out)

It’s simple, practical, and written for real life — not “perfect on paper” scenarios.

If it helps you feel a little clearer or more confident, it’s done its job 🤍

Link to download
www.matildatreefinance.com.au/singleparents

—
Rielle
Matilda Tree Finance

#singleparenthomeloan #buyingahome #mortgagebroker

Preparing for Christmas looks a lot like this for me right now. With a few spreadsheets thrown in.

A Christmas pudding quietly aging in the cupboard.

Pfeffernüsse tucked away, flavours deepening by the day.

No rushing. No shortcuts. Just trust in the process.

It’s a good reminder at this time of year—

The best things don’t come from urgency.

They come from patience, consistency, and letting things mature properly.

Business is the same.
Relationships are the same.

Building a life you’re proud of is definitely the same.
So if things feel slow right now, maybe they’re not stuck.

Maybe they’re just… marinating (with extra brandy because, f-it.. its Christmas 😅).

And when the time comes, they’ll be worth the wait. 🎄

#mumsinbusinessinaustralia #mortgagebrokeraustralia #Christmas

Apparently this isn’t “professional.”
A pram nearby.
A toddler pulling herself up.
Me working anyway.
I don’t have uninterrupted days or perfect conditions — and neither do most of my clients.
So I built a business that works in real life.
For parents.
Single parents.
First-home buyers.
People doing it tired, stretched, and determined.
If you’re waiting for perfect circumstances to buy property, you’ll be waiting forever.
If you want someone who can navigate complexity while life is happening — that’s literally my job.

#mumlife #womenandwealth #mortgagebrokeraustralia

Sure, that finance bro might know what he is talking about. He might even get you a good deal for your home loan. But its the care, effort and understanding that makes all the difference.

#mortgagehumor #mortgagebrokeraustralia #mumsinbusiness

I wasn’t “ready” to be a mum.

I had a plan.
Grow the business first.
Get more established.
Build the foundation.

But life doesn’t follow spreadsheets or strategic plans.

And then she arrived.

After 5 years of fertility challenges my little miracle caught me by so much surprise it shattered my little bubble into pieces.

This photo captures exactly what she’s taught me:
stop waiting to feel ready, and start reaching for what matters.

I built my business in the in-between moments, nap times, late nights, early mornings, with tiny hands grabbing onto windowsills and the future all at once.

Single parents don’t get the luxury of perfect timing.
We get resilience.
We get grit.
We build while carrying whole worlds on our hips.

If your life hasn’t gone to plan… good.
Sometimes the biggest “disruptions” become the reason you rise.

And if you’re rebuilding, restarting, or trying to create stability for your own little one then I’m right there with you.

My work exists because life doesn’t wait for the perfect moment.
And neither should your dreams.

#mumsonabudget #mortgagebrokeraustralia ##womenandwealth

Single parents budget better than half the business professionals I meet.

There, I said it.

When you’re raising kids on one income, you don’t get the luxury of “I’ll sort it out later.”
You know exactly what’s coming in, what’s going out, what’s due next week, and what absolutely cannot break this month.

I’ve seen single parents manage:
— rising rent
— school expenses
— groceries that somehow cost more every week
— car rego
— and still save, plan, and dream.

Not because it’s easy.
But because you’ve had to build a level of discipline, resilience and creativity that most people never need to learn.

So when a single parent tells me they’re worried they “won’t be good enough” to buy a home…
I wish they could see what I see every day.

You are some of the strongest, smartest, most financially organised people out there.
And if you can run a household solo, you can absolutely navigate a mortgage.

Sometimes you just need someone in your corner who actually gets it.

If that’s you — my inbox is always open. 💙

Pic of my three favourite girls 💁‍♀️

#mumsinbusiness #mumsonabudget #homebuyer

Sometimes the best way to move forward is to stop for a moment and go back.

I took a short break last week and headed back to my hometown. No big plans, no deadlines, just familiar streets, familiar faces, and the kind of conversations that remind you who you were before life got busy.

It’s funny how grounding it feels to reconnect with people who’ve known you forever. The ones who don’t care about your title, your KPIs, or your calendar… they just care about you.

And somehow, that clarity follows you back into your work.

A reset. A reminder of your “why.”

A chance to come back sharper, steadier, and a little more grateful.

If you’ve been running on empty lately, this is your sign: step away, even briefly. Revisit the places and people who helped shape you. Solid connections age well, they’re the real long-term assets.

Back now, recharged and ready to help more people find their own place to call home. I am filled with gratitude for the people who once called me a big fish in a little pond. They motivated me to grow and they're the reason I'm here, posting and sharing my passion.

#mortgagebrokerlife #mumlife #womenandwealth

That post settlement glow hits different when your client writes back ⬇️

"Definitely enjoying not having to worry anymore about landlord and real estate agents. My walls have already received several more holes 🤪"

My client is an incredible artist, but was never able hang her work on the walls of her home before now.

Would you consider this a big or little thing? Either way it meant a lot to her and it was a privilege to help.

Quietly removing one renter at a time from the landlord ecosystem. 💁‍♀️

#mortgagebrokerlife #womenandwealth #mumsinbusiness

The dog that changed my life: Matilda.

My life has not been smooth sailing. I’ve rebuilt it more times than I can count.
Started things, failed things, walked away from things. Sometimes by choice, sometimes because life forced my hand.

Then came Matilda.

A chaotic, 40-kg, mixed-breed ray of sunshine who needed medication, patience, and constant attention. A rescue who had every reason to be guarded, yet somehow unlocked me instead.

I’ll never forget this moment: laying on the floor, cuddling her through a thunderstorm. She was trembling. I was overwhelmed. And somewhere in that quiet, messy, emotional moment, I decided that enough was enough.

Life had thrown punches, but rebuilding didn’t have to feel like starting from zero every time.

A few weeks after this photo, I quit my miserable corporate job, dyed my hair blue in defiance (🤣 sorry dad) and started a business. And since then, every career decision I’ve made has been anchored in one thing Matilda taught me:

People thrive when they feel safe, supported, and understood.

That’s why I became a mortgage broker.
Not for the numbers.
Not for the transactions.
But for the humans behind them, especially the ones rebuilding, starting again, or navigating life with a bit of chaos under the surface.

If you’re on that journey too, whether it’s buying a home or getting back on your feet, you don’t need perfection.
You just need someone who gets it.

#PropertyDreams #WomenWithGoals #WomenInFinance #FirstTimeInvestor #MortgageBroker

If I had a dollar for every client who said “Sorry, I’m a mess today,” I could probably buy the house for them myself.

Buying a home is huge. It’s normal to be nervous, confused, or convinced you’ve somehow broken the entire banking system by asking one question.
Compassion matters.. because behind every application is a real human doing something brave for their future.

My job isn’t just numbers and policies.
It’s listening, reassuring, and reminding people they’re not doing this alone.

We're all a mess sometimes. Everything we read and see online is carefully curated its easy to forget that real life is messy, sometimes emotional and definitely not picture perfect.

Today I went to my birthday lunch with baby drool down the back of my shoulder and didnt realise till the trip home.. that nervous message 😅 its fine.. trust me. I'm not scared of the mess, are you?

#mortgagebrokerlife #mumlife #womensupportingwomen

One of the most common problems I find with single parents is their lack of time. You juggle your life and your little humans needs with often pets, sports, family and try to have social time as well. Adding a mortgage application? Can seem overwhelming!

Here's how we help:

Flexible communication: WhatsApp updates, voice note options, or after-hours Zooms once kids are asleep.

Document checklist with upload support — make it “click and done.”

We handle everything end-to-end: liaise with the real estate agent and conveyancer, so you don't have to.

#mortgagebrokeraustralia #mumsinbusiness #singlemom #SingleParentJourney

Thank you for sharing our journey with us ❤️

One whole year with my little love ❤️

My greatest motivator and proudest achievement ❤️

#mortgagebrokeraustralia #mumsinbusiness #womenandwealth

You’ve already done the hardest part — showing up for your kids, every day.
Owning a home isn’t just about bricks and paperwork — it’s about stability, safety, and a space that’s yours.
If you’re ready, I’m here to help you make it real. 🏡✨
#SingleParentJourney #StrongMumStrongHome #makingmortgageshuman

Yes, You can buy on one income. If you want to know your next step to home ownership, DM - Solo and lets make your plan.

#singlemom #mortgagebroker #firsthomebuyer

For my mums doing it solo!

Yes, you can!

Yes- banks will lend to you!

Yes- solo income is fine!

Yes- there are options for low deposits as little as 2%!

And we are here to help ❤️

#mortgagebrokeraustralia #mumsinbusiness #womeninspiringwomen

What an exciting time to be a first home buyer ❤️✨️

##mortgagebrokeraustralia
#womenandwealth
#homeguaranteescheme
#firsthomebuyer

As a mortgage broker, my favourite clients are first home buyers. New updates to the First home guarantee mean you could make your dream a reality with as little as a 5% deposit.

#mortgagebrokeraustralia #mumsinbusiness #womeninspiringwomen

#mortgagebrokeraustralia #mumsinbusiness #womeninspiringwomen

As a broker I see and hear a lot of stuff... some completely laughable when you know the intentions. Can we just stop with the pressure tactics... you're better than that...

#mortgagebrokeraustralia #mumsinbusiness #womeninspiringwomen

You need a plan, and the right team 💪

#mortgagebrokeraustralia #womeninspiringwomen #mumsinbusiness

Caught in the wild 😅 when my two lives overlap.

#mumlife
#mortgagebrokerlife
#mumsinbusiness

Get to know me, mortgage broker, mum, business owner ☀️

buying a home shouldn't mean boring suits and conversations that leave you feeling anything but empowered.

#mortgagetips #mumsoftiktok #mortgagebrokeraustralia #womenandwealth #fyp ##

#mortgagebrokeraustralia #mumsinbusiness #interestrates

I'm trying new things all the time, and so should you!
Money talks dont have to be boring! You deserve up to date, realistic and honest information. And thats exactly what you will find here.

#mortgagebrokeraustralia #mumsinbusiness #mortgagetips

#moneyisnottaboo
#mortgagebroker
#womensupportingwomen
#breakingthestigma

#mortgagebrokeraustralia #sydney #kathandkim
#lookatme

#sydney #fyppp #mumsinbusiness #mortgagebrokeraustralia

👏 Speak to a broker

👏Speak to a BROKER

👏SPEAK TO A BROKER

Opinions are like As$%&*
Everyone's got one.. that doesnt mean they're right.
Speak to people who do this for a living (like me!)

#mortgagetips #womeninspiringwomen #mortgagebrokeraustralia #fyppp

One of my clients thought she'd always rent.

Two months later, she was holding the keys to her own investment unit.

She didn’t win the lotto.
She just had the right plan—and the right support.

✨ That’s the magic of strategy.

#PropertyGoals #WomenInFinance #FirstTimeInvestor

Never in my life.. and my siblings would spend hours with me searching as a child...

#mortgagebrokeraustralia #luckygirl #womeninspiringwomen

$8 coffee, 5x a week = ~$2,000 a year.

What if you channelled some of your spend into your future property goals instead?

Smart saving isn’t about cutting all joy—it’s about intentional choices that build wealth.

Let’s chat budgeting, deposits & strategies that work in the real world.

#WomenWithGoals #WealthBuilding #PropertyDreams

You can love your job, your life and want a second income stream through property.

You’re not greedy.
You’re ambitious.

And I’m here to help you build a portfolio that reflects that.

📈 Let’s talk equity, rental yields & smart loan structures tailored to you.

#AmbitiousWomen #InvestmentProperty #FinanceConfidence

Ladies, you got this.
And Im here to be your cheerleader and coach ❤️

#mortgagebroker #mumsinbusiness #finance

Super isn’t just for retirement — it’s for creating freedom.

An SMSF property loan could help you build your investment portfolio inside your super.

📊 Benefits?
✔️ Control over your investments
✔️ Potential tax efficiencies
✔️ Tangible assets instead of just shares

But it needs the right structure, the right team, and the right timing.
Let’s make sure you’re set up for success. 💼

#smsf #MatildaTreeFinance #HomeLoanHelp #sydney #SMSFLoans #broker #SmartMoney #FinancialWellness

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Home loans for solo parents, first home buyers and self employed Aussies - Without the jargon or judgement.

Most banks see you as a risk. We help you get clear, kind advice and a loan that actually fits your life