The Finance Circle

The Finance Circle We have not taken into account your financial situation, investment objectives or particular needs.

Family-focused mortgage brokers helping you understand your lending options.
⊳ First & Family Home Buyers
⊳ Refinancing
⊳ SMSF Lending
⊳ 55+ 5-Star Google Reviews Melissa Duncombe | ABN 25 626 971 538 an Authorised Credit Representative of Astute Financial Management Pty Ltd | ACN 093 587 010 (Australian Credit Licence 364253). Full member of MFAA

General Advice Warning: This communication conta

ins general information only and in no way constitutes the provision of professional advice, nor should it be relied on as a substitute for financial, credit, accounting, legal or other professional advice. Before making an investment or financial decision, a person must seek appropriate independent professional advice and also consider whether this information is appropriate to their needs, objectives and circumstances.

27/08/2026

First home buyers, this one’s for you 🏡

Buying your first home can feel overwhelming, but it doesn’t have to be. Join us in Picton for a First Home Buyer Information Night where we’ll break down deposits, grants, borrowing power and the whole process step by step.

📅 Wed 2 September, 6.30pm
📍 Picton
🎟️ Link in bio to grab your free ticket or visit https://www.eventbrite.com.au/e/picton-first-home-buyers-information-event-tickets-1997254995456

Less than a week to go, get in quick!

24/08/2026

Some jobs get done faster alone, but great ones get done as a family.

This weekend the whole Duncombe crew tackled the fence together, paint brushes, paint all over Charlie’s face and lots of laughs. It reminded us that the best results, whether it’s a fence or a financial future, come from doing it together.

20/08/2026

Part 4: Why Brokers Say Yes to After Hours Appointments 🌙

You’ve probably noticed we don’t just work 9 to 5, and honestly, that’s one of the things we love most about this job.

Being a broker means we can be flexible around our clients’ lives, evening calls after the kids are in bed, mornings before school drop off, Saturday calls while clients are out at open homes. But it also means we get to build our day around our own family too. Drop off, pick up, being at the school gate, not missing the moments that matter.

It’s not always a perfectly balanced juggle, running a business and raising a family rarely is. But this flexibility is exactly why we do what we do, and why we can show up for our clients and our kids.

Stay tuned for Part 5, the final part of our series on things you may not know about a mortgage broker 👀

19/08/2026

This week at The Finance Circle we are helping clients refinance, build, buy their first home, upgrade, and grow their investment portfolio. Big week, even bigger wins for our clients.

4 habits that separate the first home buyers who get there from the ones who keep waiting.None of them are complicated. ...
17/08/2026

4 habits that separate the first home buyers who get there from the ones who keep waiting.

None of them are complicated. None of them involve a lottery win. Just small, consistent moves that add up faster than you’d think.

Save this for when you’re ready to start, or send it to someone who needs to see it today.

🏡 First Home Buyers Night, Picton
📅 Wednesday 2 September 2026
🕡 6.30pm
📍 Picton, NSW
🎟️ Free to attend, limited spots

Come along and get real, practical answers to your questions, no jargon, no pressure. Just a straight up conversation about what it actually takes to buy your first home.

Grab your free ticket via the link in our bio, or head straight here:
https://www.eventbrite.com.au/e/picton-first-home-buyers-information-event-tickets-1997254995456

13/08/2026

There’s no wrong answer here. What matters most to your family?

12/08/2026

Part 3: The Tools Behind Every Scenario We Run 🛠️

Ever wonder how we work out whether a lender will actually say yes?

Behind the scenes, we use specialist tools built just for brokers, comparing live lender policies, servicing calculators, and rates across dozens of lenders. But the tools only get us so far. Reading between the lines of lender policy, knowing which ones are flexible on things like self employment income or genuine savings, that comes from experience.

So when your situation isn’t textbook, maybe there’s a payslip gap, a guarantor involved, or complex income, we can dig into real lender policy and work out where you actually stand before anything gets submitted. It still takes time and careful checking, but it means far fewer surprises down the track.

It’s not always simple. But it’s why brokers can often find a way through when a single bank says no.

Stay tuned for Part 4 of our series on things you may not know about a mortgage broker 👀

🙌 RBA holds the cash rate at 4.35%The Reserve Bank has kept the cash rate steady at 4.35% at today's meeting, in line wi...
11/08/2026

🙌 RBA holds the cash rate at 4.35%

The Reserve Bank has kept the cash rate steady at 4.35% at today's meeting, in line with what most economists expected. Recent inflation data (3.8% headline, 3.6% trimmed mean) came in below forecasts, giving the RBA room to sit tight for now.

Looking ahead, opinions are split, some economists still see a further hike on the table before year's end, while others (including CommBank) expect rates to hold steady through 2026, with cuts not likely until 2027.

For borrowers, it's a "steady as she goes" outcome, no immediate change to repayments, but the path forward remains uncertain. If you'd like to chat about how this affects your lending strategy, reach out to us.

🏡 Thinking about buying your first home?Join us for a free First Home Buyers Information Event in Picton, walking you th...
10/08/2026

🏡 Thinking about buying your first home?

Join us for a free First Home Buyers Information Event in Picton, walking you through everything you need to know, from saving your deposit to settlement day.

What you'll learn:
✅ Step-by-step guide to the home buying process
✅ Government grants & incentives for first home buyers
✅ What to look out for in contracts (the legal side)
✅ Live Q&A with mortgage brokers & conveyancers
✅ Connect with other first home buyers in your area.

📅 Wednesday 2 September 2026 🕡 6:30 PM – 8:00 PM
📍 Old Post Office Building, 22-26 Menangle Street, Picton NSW

Spots are limited and tickets are free — reserve yours now! 🎟️
https://www.eventbrite.com.au/e/picton-first-home-buyers-information-event-tickets-1997254995456

Home sweet home for these two! 🏡We loved being part of this journey with you both! From the search, to the sold sign, to...
08/08/2026

Home sweet home for these two! 🏡

We loved being part of this journey with you both! From the search, to the sold sign, to watching you settle into a place you get to call yours. That review says it all 🥹

Little touches like this (see photo 3!) are our way of saying thank you for trusting us with something this big.

Wishing you many happy years in your new home 🥂

Address

Suite 12, 26 Menangle Street
Picton, NSW
2571

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 1pm

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