A Family Business

We’re not a big faceless corporation. We’re small business owners and parents. We understand first hand the financial pressures families face and how important cash flow is to business owners. We ‘get’ you and we’re here to help you.

We're here to help you


We founded Violeta Finance when we were pregnant with our second child.  We set out to create a service that filled a gap in the market for busy parents like us.

We understand the struggles parents face when trying to access traditional financial services:

Time is a priority – You want to spend less time dealing with your finances and more time enjoying your family.

Finding a babysitter every time you have an appointment is unrealistic and expensive.

You’re balancing the family budget and want to make sure you’re getting a good deal. You want to save money where you can.

You like to make informed decisions, but don’t have time to pour over lengthy articles, papers and reports. 

Before we created Violeta Finance there was no-one in the market addressing all these needs. We understand what’s important to you because it’s important to us too.

We make applying for finance fast, easy and simple. We look after the entire process and handle all the paperwork for you.

We offer a family-friendly service, we work around you and your family’s needs. You’re welcome to bring your children along to your meeting with us. Our office is child, baby and pram friendly. We also offer a mobile service and can come to you at a time that suits you.

We save you money. With our panel of over 30 carefully curated lenders, we find the right finance solution that matches your unique circumstances and goals.

We provide you with easy to access, relevant financial information and education.

We’re a family owned business, we look after you like you’re our family.

We look forward to meeting you

Let’s meet up and discuss your goals. We’re super approachable and here to help you.

Meet the Team - We love what we do

Carl Violeta

Senior Mortgage & Finance Broker

What inspired you to become a Mortgage Broker?

I grew up in the Philippines. There was a very strong sense of community in the province where I lived. People relied on each other. Often peoples’ very survival depended on the support of our community.

My childhood instilled in me a strong value around fairness and the importance of helping others.


When I moved to Australia, I found that Australians also believe in ‘a fair go’. My belief that everyone deserves a fair go inspired me to enter the mortgage industry. Every family should have a fair opportunity to achieve their homeownership dreams.

My Grandma (lola) Aurora Violeta was an entrepreneur who knew how to hustle! While raising 12 kids, she with my grandfather, ran a farm in the Philippines. They produced fish, prawns, crab, and sugarcane. Every harvest they would sell them wholesale. My grandmother kept a portion of their harvest aside to sell retail at the markets.

She was a keen negotiator. When she didn’t have enough money to pay for school tuition, she would barter with the school. My lola inspired me to become a small business owner and to help other small business owners achieve their dreams by helping them secure commercial finance.

What do you love about being a Mortgage Broker?

I love that I build lasting relationships with my clients. My family inspires me. I want the best for them, I work hard for them. I look after my clients like family.

As a Mortgage Broker, I make a positive difference to my clients’ lifestyles, by finding a loan that suits their circumstances.

I pride myself on the service I offer. I carefully research and compare loans and am available ‘on call’, anytime, every day. I meet my clients anytime and anywhere that suits them, whether it be their workplace, in their homes, the local coffee shop or in our family-friendly office.

Apart from Mortgage Brokering, what else do you love to do?

  • I love spending time with Jo (my wife) and our two kids. We live near the beach, we like to hang out there year-round. I used to surf, I injured my shoulder, but I still like to get out in the waves.  
  • We do a lot of work in our local community. I love getting out and about, meeting people and lending a hand.  
  • I’m a huge basketball fan. My favourite team is the Chicago Bulls.
  • Our son is quite a good golfer (for a 7-year-old), we try to get to the driving range at least once a week.
  • I don’t mind the odd cheeky glass of good quality Rum.  

Carl’s a member of the Mortgage & Finance Association of Australia (MFAA). MFAA brokers are the highest educated in Australia and adhere to a strict ethical and professional code of practice, so you know you’re in safe hands.

He’s proud to have been appointed to the MFAA SOLD Advisory Panel. The panel advises the Mortgage & Finance Brokering Industry on best practice around social responsibility, inclusion, diversity and well-being. 

Along with Jo, Carl is the Finance Expert co-contributor for Peninsula Kids Magazine. Carl also presents the finance segment for the Dream Home Movement a radio show on RPPFM and podcast.

As well as being a fully-qualified credit advisor, Carl is a graduate of  the highly respected broker mentoring program AlphaBroker Mentoring.

Jo Violeta

Community Engagement & Marketing Manager

Why do you love working in the Mortgage & Finance industry?

I remember the amazing feeling of walking into my first home. The excitement, the joy and the sense of accomplishment.

What I didn’t feel was the burden of worry associated with making repayments, which so many people experience, because I entered the property market highly prepared and with a realistic, well-structured home-loan.

That’s what I want for you too.


I know that money doesn’t necessarily buy happiness, but I do believe that every family should have the opportunity to experience home ownership, to be able to build an investment portfolio and to drive a vehicle that meets their family’s needs.

And I know that it is possible, given the right advice and support along the way.

What inspired you to create a family-friendly service?

I’m a mum of two and I know how difficult it can be to go to the bank or access other professional services with kids in tow. It’s frustrating and challenging.

I’m not alone right?

I remember having to speak to a call centre about our utilities. During the call, my little one alternated between noisily playing in the background, to tugging on my leg and attempting to climb on my head. Then right when I was getting to the negotiation stage, he needed an urgent nappy change! So, there I was trying to listen attentively and take notes all whilst changing a nappy.

As a child, back when people still used chequebooks, my mum seemed to be at the bank ALL. THE. TIME. Realistically, she probably only took us to the bank once a week, but from my perspective, it felt far more frequent. One day my brother was so bored waiting for mum at the bank that he pushed his head in between the bars of the teller queue partition. His head got stuck and it took almost an hour – plus firemen – to free him!

As these scenarios played out repeatedly, I realised there had to be a better way to access professional services. You can’t always wait until your kids are asleep to make phone calls or have appointments. I noticed that there wasn’t anywhere that offered a solution to those challenges, so Carl and I decided to create a finance service that directly addressed these issues.

We now have a beautiful family-friendly office and offering for mortgage and finance brokering. As well as having a strong family focus, we also feel keenly about being connected with our community, so I organise charity events and build connections with schools and not-for-profit organisations in our local area.

When you are not working in the business, what do you enjoy doing?

Family means everything to me. I love hanging out with Carl and the kids. We have our favourite café by the beach that we go to some weekends. I also volunteer at and organise various charitable events, which is heaps of fun.

Jo co-hosts the popular lifestyle and renovation show the Dream Home Movement on RPPFM and iTunes. Her digital marketing initiatives are recognised through national awards. She manages the Mornington Peninsula Business Women’s group. Along with Carl, Jo is the co-contributor Finance Expert Peninsula Kids Magazine.

Book a free strategy session

Our Finance and Home Loan expert Carl, will chat with you about your goals, investigate your options and help you create a realistic plan to achieve your finance and property dreams.