It all starts with a conversation.
Pick the session that fits
your situation
Each session is prepared in advance using your actual figures — not a generic chat. Choose below, book, and Charmain will get to work before you arrive.
Commercial Finance
Simple from start to session
1
Choose your session and pay
Select the session that matches your situation. Payment is collected at booking through OnceHub — this confirms your spot and allows Charmain to begin preparing.
2
Complete your pre-session form
You'll receive a short form after booking. Your income, super balance, goals and structure details — so Charmain has your numbers reviewed before the session begins. You're not paying to explain yourself from scratch.
3
Your session — tailored to your figures
Via Zoom or in person in Perth. Charmain arrives prepared, works through your situation with your real numbers, and you leave with a written summary.
Your options
Choose your session
Not sure which one? The "who this is for" section on each card will make it clear.
Complimentary
Residential Strategy Call
30 – 40 minutes · Zoom or in person
Free
Who this is for
Home buyers, refinancers and anyone planning their next property move. Whether it's your dream home, a stepping stone, or part of a longer-term plan.
What we cover
- What you're trying to achieve — dream home, stepping stone, or long-term goal
- Your borrowing capacity based on your actual income and commitments
- Realistic repayment figures so there are no surprises
- An honest assessment of where you stand and what comes next
📄 What you walk away with
A written Strategy Summary — your borrowing power, estimated repayments and clear next steps. Emailed to you after the session.
Honest conversation · Zoom or in person (Perth)
Paid Session
SMSF Discovery Session
90 – 120 minutes · Zoom or in person
$275
inc GST
Who this is for
You've heard about SMSF property but you're new to the concept. You need to understand how it works, whether it's right for you, and what the numbers look like for your specific situation. Both partners or key decision-makers should attend.
What we cover
- How an SMSF is structured and why — drawn out visually, not just explained
- What you can and can't purchase inside an SMSF
- How lending works inside an SMSF and what's used for servicing
- Your actual figures — income, super balance, employer contributions — sensitised with real buffers and management fees removed
- The compliance requirements and the order things need to happen in
- Who else you need on your team and when (accountant, financial planner, SMSF administrator)
📄 What you walk away with
A written SMSF Lending Snapshot — your preliminary figures, what the structure looks like for your situation, the timeline of what needs to happen first, and your agreed next steps. Emailed after the session.
Please note
This session covers the concept, structure and your preliminary figures. It is not an ongoing number-crunching service. If you need additional scenario modelling after the session, that is scoped and quoted separately.
Payment at booking · Reschedule anytime · No refunds
Paid Session
SMSF Discovery Session
60 minutes · Zoom or in person
$110
inc GST
Who this is for
You already have an SMSF and you're looking to purchase an investment property, add a commercial property as business premises, or understand how a specific loan structure will work. This is also the right session if your accountant has referred you to Charmain.
What we cover
- Your end goal — mapped out using your existing SMSF figures, loan balance, super balance and rental income
- Serviceability assessment based on your real numbers
- How a commercial property as business premises works within an SMSF
- What you can and can't do from a lending perspective — clearly and honestly
- Lender constraints specific to your structure
- Next steps if the numbers stack — and what needs to happen first
📄 What you walk away with
A written SMSF Lending Summary — your serviceability position, what the lending structure looks like, what you can and can't do, and your agreed next steps. Emailed after the session.
Payment at booking · Reschedule anytime · No refunds
Why paid sessions
The work starts before you arrive
SMSF lending is complex. Before a paid session, Charmain reviews your pre-session form, runs preliminary serviceability against your actual figures, and identifies lender constraints specific to your structure. You're not paying for a conversation — you're paying for the preparation and expertise that makes that conversation genuinely useful.
Who this is for
The pre-session form collects your income, super balance and employer contributions so Charmain works with your actual numbers from minute one.
Preparation time is real time
Reviewing your form, checking lender policy and running preliminary serviceability happens before the session. That work is included in the fee.
You leave with something written
Every session ends with a written summary emailed to you — your figures, structure overview and next steps. Not just a conversation.
Serious enquiries only
The fee filters out tyre-kickers so Charmain's time is spent with people who are genuinely ready to understand their options.
Questions
Things people usually ask first
Which session should I book?
If you're new to SMSF and want to understand how the whole concept works — book the SMSF Discovery Session ($275). If you already have an SMSF and you're assessing a specific purchase or loan structure — book the SMSF Strategy Session ($110). For home buying, refinancing or general residential lending — book the free Residential Strategy Call. Still not sure? Send Charmain a message and she'll point you in the right direction.
Can I reschedule?
Yes — reschedule at any time via the link in your booking confirmation. No charge to reschedule. If something comes up, move it rather than cancel.
Can I get a refund if I cancel?
No — paid session fees are non-refundable. Preparation work begins when you book, not when the session starts. Charmain reviews your form and prepares your figures in advance. That time is committed regardless of whether the session goes ahead.
Do both partners need to attend the SMSF Discovery Session?
Yes — and this matters. An SMSF is a significant financial structure. Both partners or key decision-makers need to hear the same information, ask their own questions, and feel confident in the decision. Charmain won't walk one person through it and expect the other to catch up later.
Is this financial advice?
No. Charmain is a mortgage broker — not a financial planner or tax advisor. Sessions cover the lending side: how SMSF borrowing works, what lenders require, and whether your figures support it. You should also be working with a financial planner and accountant who can advise on whether an SMSF is appropriate for your broader situation.
Zoom or in person?
Both are available. Zoom is the default — Charmain can share her screen to walk through figures and draw out structures live. In-person sessions are available at East Victoria Park, Perth. Note your preference when you complete the pre-session form.
Is the session fee tax deductible?
If your session relates to an investment property or income-producing asset, the fee may be tax deductible. Speak with your accountant to confirm what applies to your situation — Charmain cannot provide tax advice.
📋
Booking policy: Paid session fees are non-refundable. Sessions can be rescheduled at any time via your booking confirmation. Payment is processed securely through OnceHub at the time of booking.
ℹ️
General information only: Nothing discussed in a session constitutes financial or tax advice. Please speak with your accountant and financial planner before making any decisions about an SMSF or investment property.