Stevin Carvalho Financial Planner & Mortgage Broker

01/06/2026

🏡 Buying a Home “Subject to Finance” Why It Matters
When you’re purchasing property, including a “subject to finance” clause in your contract can be one of the smartest moves you make, especially from a home loan perspective.
✅ What does “Subject to Finance” help with?
• Protects your deposit If your loan isn’t approved, you can exit the contract without losing your deposit.
• Gives you time to secure your loan
Allows your broker/lender to complete full assessment, valuation, and approval.
• Reduces financial risk
Avoids being locked into a purchase you can’t fund.
• Covers valuation issues
If the bank values the property lower than the purchase price, you have an exit option.
• Supports complex scenarios
Helpful if your income, employment, or financial situation needs further assessment.
• Peace of mind during the process
You can confidently move forward while your finance is being finalised.
⏳ How long does “Subject to Finance” take?
Typically, a subject to finance period lasts 7 to 14 days, but it can vary depending on the contract and lender.
💡 Pre-approval is still important!
Even if you have pre-approval, it’s always better to secure one before making an offer but regardless, always include a subject to finance clause for added protection.

🤝 We’re here to help you every step of the way
From pre-approval to settlement, we’ll guide you through the entire home loan journey.
📞 Give me a call on 0414683911 let’s get you into your new home with confidence!

12/05/2026

Grateful for kind words like these 🙏
Helping first home buyers navigate their journey is exactly why I do what I do.
From explaining finance options in simple terms to guiding you step‑by‑step, my goal is to make your first home purchase clear, stress free, and confidence driven.
With years of experience and a genuine, easy to approach style, I’m here to help you make informed decisions that suit your goals not just today, but for the future too.
If you’re starting your first home buying journey and want someone in your corner, I’d love to help 😊
📩 Reach out anytime. 0414 683 911

18/04/2026

Call Evie on 0430452333 for renewal of your public liability insurance cover

06/04/2026

Between grants, first home buyer schemes, and trying to find the right place, it can get overwhelming fast. That’s where having an experienced team really helps.
With a strong network behind you from conveyancers and building inspectors to expert mortgage advice and a great support crew you’re never left guessing. Ask as many questions as you like (seriously, any amount) there’s always someone there to help.
If you’re starting your first home journey and want guidance from day one, give me a call on 📞 0141 468 3911 and let’s make the process a whole lot simpler.
✨ First home buying doesn’t have to be stressful when you’ve got the right people on your side.

05/04/2026

02/04/2026

Thinking about a home loan?
The best first step isn’t inspections — it’s a conversation.
Let’s talk through your options so you can move forward with confidence.
📞 0414 683 911

23/03/2026

Most of us underestimate what can happen… until it’s too late

Life changes in an instant — and when it does, the last thing anyone wants is financial stress on top of everything else.

That’s where life insurance can make a world of difference.
You could structure it through your super, it could be one of the easiest and most affordable ways to protect your family.

A life insurance benefit can help:
✔ pay off the mortgage
✔ cover education costs
✔ replace lost income
✔ and much more

If you’re not sure whether your cover is enough — or if it’s even set up correctly,I can help you review it and structure it through your super.

📞 Give me a call: 0414 683 911
🌐 www.wealthassure.com.au

19/03/2026

So many people don’t take action with their super — not because they don’t want to, but because they simply don’t know.
If you don’t ask, you don’t know.
Once you turn 60, your super opens up a whole range of benefits that most people never find out about — benefits that can genuinely improve your financial future.
That’s why speaking to the right person matters.
As a financial adviser, I help you understand
✅ what you’re eligible for
✅ how to access your benefits
✅ and how to make your super work smarter for you
If you’re over 60 (or getting close), let’s talk.
📞 0414 683 911
Let me show you how to extract the most from your super.

19/03/2026

Thinking about buying your first home?
2026 is one of the best years to get into the market — the government has expanded several schemes to help you buy sooner and with a smaller deposit.
Here’s a quick breakdown 👇

🏡 1. First Home Guarantee – Buy with Just 5% Deposit

🛠️ 2. Help to Buy (Shared Equity)

👨‍👧 3. Family Home Guarantee (Single Parents)

💰 4. First Home Super Saver Scheme (FHSSS)

🏠 5. First home Owner Grant

💰6. Stamp Duty Savings

✅ How I Can Help You
With so many schemes, rules and eligibility changes, it’s easy to miss out on benefits you qualify for.
Here’s where I come in:
✅ I assess which schemes you’re eligible for
✅ I help you combine schemes to maximise savings
✅ I guide you through lenders who support these programs
✅ I simplify the entire process from pre‑approval to settlement
Buying your first home doesn’t have to be overwhelming — you just need the right guidance.
Give me a call on 0414 683 911 and I’ll help you understand exactly what support you can access and make your home buying experience a smooth process

18/03/2026

Interest rates update:
Although the increases were announced yesterday, most banks will only update their rates over the next few days.
✅ Check your bank’s website for the exact changes and timing.
✅ If you’re unsure how this affects your loan, I’m here to help.