Your Lending Specialist
Whether it’s mortgage broking, refinancing, debt consolidation, SMSF finance or investment loans, I’m here to help you achieve so much more than just a low interest rate.
Empowering your financial future with tailored solutions
I’m Megan.
I’m a Sydney-based mortgage broker who thrives on helping people make confident, informed financial decisions.
Looking to grow your business? Dreaming of buying the perfect home? I’ll help you explore your finance options, navigate the fine print, and do all the legwork to find the loan that’s right for you.
Need new wheels? No dramas. Whether it’s for work, adventure, or weekend getaways, I’ll help you secure the financing to hit the road.
With a broad business background I bring a unique perspective to mortgage broking and commercial finance. My goal is to simplify the process and empower you with knowledge so you can build a strong financial future on your terms.
Want to get started?
Financial Solutions That Work For You
Home Loans
Whether it’s your first home or your forever home, I’ll help you navigate the complexities of securing the right mortgage. Investing via SMSF or refinancing? Excellent! From explaining your options to handling the legwork, I’m here to make the process simple, stress-free, and tailored to your needs.
Personal Loans
Need a little extra support to achieve your goals? From consolidating debt to funding a personal project, I’ll help you find a loan option that aligns with your unique circumstances and puts you on the path to success.
Car Loans
Get behind the wheel with ease.
Dreaming of a new set of wheels? Whether it’s for work, family, or fun, I’ll help you secure the right loan for your budget and lifestyle. Let’s make your car-buying journey smooth, straightforward, and enjoyable.
Commercial Loans
For small-to-medium businesses looking to scale, I’ll bring my unique understanding of cash flow, inventory management, and business needs to the table. Whether you’re expanding operations or investing in new equipment, I’ll help you secure the funding you need to grow.
Kind Words
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"Megan worked diligently to secure a home loan for me under difficult circumstances. Her professionalism and attention to detail has made the experience a lot less stressful. Thank you Megan"
– Kathleen K
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"I recently had the pleasure of working with Megan to refinance my home loan, and I couldn't be happier with the outcome"
– Mel P
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"I would highly recommend Megan to anyone seeking a knowledgeable and dependable professional"
– Paul W
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"Megan is kind, assuring and takes her time to work through different options and explain them in detail to you."
– Collette C
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"Could not recommend Megan any more highly. She is incredibly knowledgeable, helpful, patient and focused on getting the best for her clients. Wish I could give her more than 5 stars!!"
– Annabel & Dom
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"Megan was recommended to me by a work colleague and I couldn’t be happier with her services. Megan was great to deal with, informative, responsive and genuinely caring of her clients. Would highly recommend her services to anyone with financial needs!"
– Daniela B
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"Megan is so lovely, great to deal with, very thorough. I highly recommend. Thankyou for your help"
- Louka
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"I contacted a few brokers prior to finding Megan & had little to no help, but Megan was such a huge help from start to finish. Nothing was an issue, she was always happy to help or explain. Going into this as a single person was daunting but I felt so comfortable every step of the way with Megan by my side. Will be recommending her to everyone moving forward"
- Emma L
From homes to cars and beyond, I make the complex process of securing finance stress-free. Let’s chat about how I can help you reach your goals.
Guidance You Can Trust
I know how important it is to feel confident in your financial decisions. You can count on me to provide clear, reliable advice every step of the way, ensuring you fully understand your options and can make informed choices with ease.
Authentic Support
Your goals are my goals. I genuinely care about your outcomes and will always be honest, even if it means asking tough questions or suggesting alternatives. I’m here to advocate for you and ensure the solutions align with your best interests.
Flexible Solutions
No two clients are the same, and neither are the solutions I offer. Whether you prefer after-hours consultations, workshops to map out your goals, or creative approaches to tricky financing situations, I’ll adapt to your needs and find the right fit for you.
Empowering your financial future with tailored solutions.
Contact Me
Ready to take the next step? I’d love to hear from you! Send through an enquiry below, and I’ll get back to you as soon as I can. Let’s make your goals happen together!
Interested?
I’d love to chat.
Email me to book an obligation free discovery call:
megan.bourke@hummingbirdfinancial.com.au
Look for what you notice
but no one else sees.
— Rick Rubin
FAQ
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A pre-approval is an indication of the amount that the lender is potentially prepared to offer you to buy a property.
There are numerous benefits to obtaining a mortgage pre-approval, including:
negotiating with confidence because you have a good idea of what you can afford
showing sellers that you are a serious buyer
reducing the time for formal approval when you find a property
working through any niggles in your application - middle name spelt differently on different documents? Got a mistake on your credit report that needs clearing up? A pre-approval will help identify these issues so they don’t hold up your formal approval when you do find the perfect place
It’s important to remember that a pre-approval is indicative only, but for the peace of mind it offers it is well worth obtaining.
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When the total loan amount exceeds 80% of the property value the lender will require Lenders Mortgage Insurance (LMI).
LMI is payable by the borrower, however, it is not for them. LMI protects the lender in the event that the borrower defaults on their loan and the property is sold for less than the value of the mortgage. The borrower will then be required to repay the insurance company.
LMI can be expensive, however the costs need to be weighed up against the time it will take to save a 20% deposit and likely increases in property prices during that time. The premium can either be paid upfront or added to the loan.
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The right time to refinance your home loan will be different for everyone. Generally it’s a good idea to review your mortgage annually as home loan options are constantly changing.
Factors such as interest rate moves, investment opportunities, debt consolidation* or changes in personal circumstances may all warrant a home loan health check.
*note not all debts may be consolidated into a residential home loan, please seek the advice of a professional broker on this
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This will depend on the lender and the type of loan, but some of the costs to consider are:
application fees (not always applicable)
valuation (not always applicable)
registration fees - around $350
legal fees for the lender - approx $150-$500
break costs; if you are refinancing a fixed rate loan during the fixed period there will be extra costs for ‘breaking’ the loan term
You will receive a full list of costs as part of the credit proposal provided by your broker.
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For the borrower - nothing! Mortgage Brokers are remunerated by the lender and receive a commission based on the value of the loan. Commission rates vary between lenders, but not by a lot.
Occasionally brokers will charge upfront fees, however, this must be discussed with the borrower from the outset and full documentation provided. Brokers have multiple obligations to act in the best interests of the borrower - there’s even legislation to make it clear that if there is a conflict of interest between the broker and the borrower then the borrower’s interests take precedence.
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you will need to be at least 18 years old
an Australian citizen or resident
have regular income
have good credit history
I can discuss different options with you and help you find the best personal loan for your purpose
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Regardless of the type of loan (home, commercial, personal) your broker will work with you to ensure you receive the best possible finance option. This includes:
a detailed review of your circumstances, goals and requirements
research of different loan options and helping you decide which one is best
pre-approval and approval process; we will communicate with the lender on your behalf to ensure everything is completed properly
liaising with your other advisors; we will work with your lawyer, financial planner or accountant to ensure a smooth transaction
follow up; the relationship doesn’t end once the deal is done. We are with you for the life of the loan and will review your loan on a regular basis
we can also assist with miscellaneous bits & pieces, such as referring you to the right company to help with credit report discrepancies or to arrange your utilities connection
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This will be different for every business, but typically the following information will be required:
financials; P&L, balance sheet, tax return, BAS
personal financial information of Directors is often required
personal guarantee of Directors is often required
Please get in touch to discuss your specific requirements
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A fixed rate loan means that the interest rate is ‘fixed’ or set for an agreed period. This options gives certainty of repayments and protects the borrower from any increases in interest rates. On the flipside, any decrease in interest rates will not be passed on and there are costs involved in ‘breaking’ the agreement early. Some loans allow limited additional repayments.
A variable rate means that the rate can change. This usually happens in line with changes in the official cash rate as set by the RBA, but banks can also change the rates as they see fit. Whilst borrowers aren’t protected from interest rate increases, the flexibility of this loan is very attractive; it can be refinanced at any time and unlimited additional repayments may be made.
Often, a combination of the two is a good option. Your broker will discuss this with you.