The quick, uncomplicated, and stress-free way

to get your home loan sorted.

With qualified mortgage brokers in your corner,
it’s totally possible for your family to buy property to build the life you want.

We know. The very thought of applying for a home loan gives you the icks. The head-spinning jargon. All that paperwork. The curveballs.

Way too many options (yet strangely, no right fit for you — what the heck?!).

All those headaches and you still don’t feel like you’re getting anywhere.

What if we told you that getting a home loan doesn’t have to be complicated? Or overwhelming? Or stressful?

At least, not with us in your corner.

Because we know what we’re doing. And when we’re done getting you your home loan, you’ll know what you’re doing too.

Learn more about us

We’re inclusive mortgage brokers and proud Frankston locals helping families just like yours get the loan you need quickly, smoothly, and with a little less hair-pulling stress.

What we can do for you

Home Loans

For first and next home buyers. We compare hundreds of loans and rates to find the right fit for you.

Property Investment

Grow your wealth and property portfolio with our exclusively tailored Investment Loans.

Mortgage Refinancing

Compare your current home loan with others on the market to save on your repayments.

Small Business Finance

We organise business loans, cashflow finance and debtor finance to help grow your empire.

Commercial Finance

We’ll help you secure finance to buy a commercial property — and we’ll ensure your loan is structured correctly.

Car Loans

Purchase your new wheels without being trapped in a high-interest loan.

Gain access to even more loans with our trusted panel of 40+ lenders

You could drive from one bank to the next in search of a loan that just fits. Or you could visit our office (or arrange an online chat with us) and access 40 different banks and lenders in one friendly, relaxed appointment.

And don’t worry! We aren’t loyal to one particular lender. We’re loyal to YOU! We research a broad group of lenders and recommend the solution that’s best suited to you and your needs.

Your local Frankston mortgage brokers (who make it look easy).

Violeta Finance was founded by husband-and-wife team Carl and Jo (he’s all angles, she’s outside-the-box). The goal? To create a welcoming and inclusive mortgage broking environment for families. We treat everyone who enters our office as VIPs.

We generally service Melbourne’s southeast, including Frankston and Seaford, the Bayside area, Mornington Peninsula, and surrounding suburbs. But we’re not exclusive! Wherever you live in Australia, we can help you using our phone and online video conference service.

Mortgage Broker Frankston Carl and Jo Violeta with client holding a cute baby

Family-friendly service

It’s hard enough juggling kids and household work and careers with home loan appointments. So we make things that little bit easier. We welcome children, bubs, and prams into our office. Or we can come to you. We’ve got your back.

No sugar-coated advice

As much as we love sweets, we’ll tell it like it is — even if you’re not ready. But if you are, we’ll keep you in the loop and away from the red tape (unless it’s a big red bow wrapped around your dream home). It’s important to us that you’re neither left in the dark nor in over your head.

Full accessibility

Buying property isn’t a pie-in-the-sky dream. We make sure every person has equal access to the right advice and a good game plan. We’re always improving the accessibility of our services. Our office is accessible for people with mobility considerations and service animals are more than welcome.

Did we mention we’re award-winning?

How it works

There’s no place for overwhelm when you’re embarking on your next big property adventure.

We’ve helped hundreds of families just like yours buy their dream homes, invest in property, and refinance their mortgages.

For us, it’s a piece of cake. For you, it’s peace of mind.

Step 1

Meet Carl

Book a chat with Carl. He’ll find out about your goals and current circumstances.

Step 2

Game Plan

(Psst! You can sit this part out.)

Our professional mortgage broker Carl will scour our panel of 40+ banks and lenders (including some the general public doesn’t have access to) to find the most competitive deals that fit your needs.

We’ll then present you with a personalised recommendation plan (AKA, the Game Plan).

Step 3

Pick your loan

Once you’ve chosen your lender from your plan, we’ll work with them to package, sign, and lodge your application. We’ll liaise with other stakeholders and nudge the banks to get the deal done.

Step 4


We’ll let you know you’ve been approved and everything's gone smoothly. *Cue metaphorical confetti!*

Step 5

Settlement Day

We’ll stick by you till the process is done so you’ll know it’s all gone through smoothly. Then it’s time to pop the champagne and celebrate!

Kind words from happy clients

This was my first home loan and working with numbers is not my strong suit! He was fantastic at answering my silly questions and dealing with my mini freak outs!

He came to me with multiple options of suitable home loans clearly stating any fees, insurances and repayments so there were no unforeseen surprises down the track.

Carl is very approachable, diligent and I had my complete trust in his services.

Natalie Townsend

First home buyer

He was relaxed and friendly, and very honest, and non pushy – something of which I found so surprising and refreshing. That day he sent me a few quotes, and helped me fill out the application.
My partner and I went and test drove a car, and we decided on one and got the purchase order to Carl.
The first lender said no, but Carl was determined not to give up. He had two other options for us. They required a small deposit, which we had, and a week later we had our car AND the quote that came in was even cheaper than the first – WIN!
Carl has checked in at every single step of the way – even when the lenders were taking some time to process the loan, and has been very honest.
His service is absolutely seamless, stress free and he has impeccable customer service.
I cannot recommend him highly enough!

Beckii Jones

New car owner

The service you provided was second to none.

I really appreciated you taking the time to assist me with completing paperwork, which was very different from my dealings with other brokers in the past

Sam Keats

Small business owner

*Variable rate <70% LVR (OO PI) terms conditions and lending criteria apply