ANZ refinance cashback offer

Offers and lending criteria may change. Contact Mini for current details.

Contemporary Australian home at dusk

Clear advice. Confident decisions.

Finance for your next move.

Personal lending guidance from Mini Peng, helping you understand your options and move forward with confidence.

Home buyersRefinancersProperty investors

A more personal approach

Clear advice.
Confident decisions.

Mini helps turn lending jargon, lender policies and competing options into a clear plan built around your property goals.

Ways Mini can help

Finance for every property chapter.

From your first set of keys to your next investment, receive practical guidance through the lending process.

01

Home loans

Owner-occupied lending for first home buyers, families purchasing, upgrading or reviewing their loan structure.

02

Refinancing

Review rates, features, structure, eligible cash out and refinancing costs against your current goals.

03

Investment loans

Property investment lending that considers rental income, existing debts, equity and future portfolio plans.

04

Commercial finance

Finance for warehouses, offices, retail and professional premises, commercial investments and business loans.

05

Self-employed loans

Lending options for business owners, directors, sole traders, contractors and clients with complex income.

06

SMSF property loans

Specialist lending support for eligible residential refinancing and commercial investment property strategies.

07

Construction loans

Progress-payment lending for new homes, knock-down rebuilds and eligible investment construction projects.

08

Bridging finance

Short-term finance for clients purchasing a new property before the sale of their existing property settles.

Lender network

Access to a broad panel of lenders.

Mini works with a range of Australian banks and specialist lenders to compare options against each client's circumstances.

  • AMP Bank
  • ANZ
  • Bank of China
  • BankSA
  • Bankwest
  • Bluestone
  • BMM
  • Connective
  • Firefighters Mutual Bank
  • Firstmac
  • Gateway Bank
  • ING
  • Macquarie
  • ME Bank
  • NAB
  • Pepper Money
  • RedZed
  • St.George
  • Thinktank
  • Ubank
  • Westpac

Mini works with these and other participating lenders.

Mini Peng, Mortgage Broker

Meet Mini Peng

Advice that starts with listening.

Every borrower has a different story. Mini takes the time to understand where you are now, what you are working towards and what matters most along the way.

The result is a clearer lending strategy, straightforward communication and support from the first conversation through to settlement.

  • Mortgage Broker
  • Diploma of Finance and Mortgage Broking Management
  • MFAA Member | AFCA Member
  • Certificate IV in Accounting and Bookkeeping
Mini Peng
Learn more about Mini

What to expect

A clear path from idea to settlement.

  1. 01

    Discover

    Talk through your goals, timeline and financial position.

  2. 02

    Compare

    Review relevant lending options and understand the trade-offs.

  3. 03

    Apply

    Prepare the application and stay informed as it progresses.

  4. 04

    Settle

    Move forward with support through approval and settlement.

Client stories

What clients say about working with Mini.

I had a great experience working with Mini throughout my home loan process. She was professional, knowledgeable, and genuinely passionate about helping her clients. She took the time to understand my needs, explain different loan options clearly, and help me find the most suitable solution. She was always patient, approachable, and quick to respond to my questions. Her enthusiasm and dedication made the whole process much smoother and less stressful. I really appreciate her support and would highly recommend her to anyone looking for a reliable and caring mortgage broker.
Hank W.First Home Buyer Client
I had a great experience working with her throughout my mortgage application process. Mini is very friendly, patient, and professional, and always willing to go the extra mile to help me find the lowest possible interest rate. She took the time to explore different loan options and find one that best suited my needs. She was always happy to answer my questions and explain things clearly, which made the whole process much easier and less stressful. I really appreciate her dedication, excellent communication, and ongoing support. I would highly recommend her to anyone looking for a reliable and caring mortgage broker.
June H.SMSF Loan Client
Mini was fantastic in helping me arrange my SMSF property loan. She was very knowledgeable, patient, and professional throughout the entire process. She took the time to explain the different loan options available for my self-managed super fund and helped me find a suitable loan with a competitive interest rate. Mini was always responsive to my questions and kept me informed at every stage, making what could have been a complicated process much easier to understand. I really appreciated her dedication, attention to detail, and willingness to go the extra mile to help me. I would highly recommend Mini to anyone looking for an experienced and reliable mortgage broker for their SMSF lending needs.
Wei W.SMSF Loan Client
I previously had a home loan with Commonwealth, and when I needed to cash out, Mini helped me refinance to AMP. Not only did I save on interest, but the loan amount also met my needs. She compared policies from many different lenders based on my actual situation, and ultimately found one that was friendly to self-employed applicants, so I could qualify smoothly.
Wuyan H.Refinance Residential Client
The previous client of Mini is a good friend of mine. My good friend referred Mini to me. I was planning to buy an investment house to rent out, intending to hold it until retirement. I told Mini about my needs and my actual financial situation. I run a restaurant, and after I provided all the relevant details to her, she considered that I’m self-employed while my wife has PAYG income. Based on our ages and situation, we want to buy an investment property to generate rental income for retirement. Using her professional knowledge, Mini compared different banks for me and helped arrange the cash out amount I needed without requiring a lot of extra cash for the deposit. I’m very satisfied with her help. Mini was very patient and explained things very clearly to me. I truly appreciate her professional service and care.
Brandon S. & Mandy L.Refinance & Investment Clients
As a first-home buyer, I paid a deposit during COVID to purchase an off-the-plan property. As the settlement date was approaching, my agent introduced me to Mini. Based on my situation as a newly employed accountant with PAYG income and not a high salary, she helped me secure a loan and successfully purchase my first home. Later, after I changed jobs and got a raise, I turned to Mini again for refinancing because I wanted to cash out some funds for home improvements. She helps me to improve my cash flow and fully met my needs. I’m very satisfied with her patience, professionalism, and careful service. She truly understands client needs and is highly professional, making her a genuinely trustworthy mortgage advisor.
Tegan Y.First Home Purchase & Refinance Client
A few years ago, our commercial loan interest rates with the non-bank lender were quite high. As our business continued to improve, we met the requirements for refinancing our loan. Ultimately, with Mini’s help, we successfully refinanced our commercial loan with ANZ. Not only did we secure a more suitable interest rate, but the service was also more efficient and much more considerate.
ACB Joinery P/LCommercial Loan Client

Personal guidance, when you're ready

Ready to explore your next move?

Start with a clear, practical conversation about your goals, circumstances and lending options — with no obligation.

Speak with MiniBook a consultation