Buying your first home
Deposits, buying costs, assistance and pre-approval in the Southern Highlands.
FINANCE, WITH A PERSONAL APPROACH.
A first home. A fresh start. Room to grow. Whatever comes next, let’s make the finance feel clearer.
Helping clients Australia-wide. With access to a wide panel of banks and non-bank lenders through BMoney, Sam compares lending options to help find finance suited to your needs.

WHAT'S NEXT FOR YOU?
You don't need to have it all figured out.
Start with what you'd like to do.
Moving or making more room? Start with your plans and the questions on your mind.
Home loans 02 / A FRESH LOOKReview how your loan fits your life now, with the costs and trade-offs part of the conversation.
Refinancing 03 / YOUR FIRST KEYSFrom early questions to preparing for a loan application, take it one step at a time.
First home buyers 04 / YOUR PROPERTY PLANSDiscuss lending for an investment purchase with your wider commitments in view.
Investment loans 05 / ON THE MOVEConsidering a new or used car? Talk through the finance before you commit.
Car finance 06 / TOOLS FOR YOUR TRADEFinance conversations for business vehicles and equipment, starting with what the job needs.
Asset & equipment finance 07 / YOUR BUSINESS PLANSTalk through a business or commercial borrowing need, with the purpose and timing clearly defined.
Business & commercial lending 08 / YOUR PERSONAL PLANSDiscuss a personal borrowing need, with repayments, fees and your wider budget in view.
Personal loansMEET SAMANTHA GILARTE
Finance is personal. So is the way I work.
My role is to listen to what matters to you and help make the next step easier to understand.
About SamA CLEAR PLACE TO START
No need to upload documents
to start a conversation.
Share what you’re looking to do and the best way to contact you.
Sam reviews your enquiry and talks with you about your needs and circumstances.
Find out what information is needed and how the process could work for you.
A FEW COMMON QUESTIONS
Sam can discuss home loans, refinancing, first home purchases, investment loans, car finance, personal loans, asset and equipment finance, and business or commercial lending. Start with what you want to do: for example, review an existing home loan, buy a used car or finance equipment for work.
No. You do not need to have chosen a property, vehicle or loan. A rough idea of your plans, timing and budget gives Sam a starting point. Any options still depend on your circumstances and the relevant lending assessment.
Sam uses your contact details and short outline to respond and discuss your plans. The first conversation helps clarify your needs, existing commitments and what information is needed next. Sending this form is an enquiry, not a loan application or an approval.
Think about what you want to finance, your approximate budget and timing, and any existing loans. You do not need to upload documents to start. Keep account numbers, identification documents and detailed financial information out of this form; Sam can explain the appropriate next steps.
Yes. You can explain that your income varies, you are self-employed or your circumstances have changed. Sam can discuss what needs to be understood and assessed. An enquiry does not guarantee that finance will be available or that a lender will approve an application.
Samantha may be paid by the lender after settlement. Fees and charges may apply. Ask Sam to explain any costs and how she is paid before you proceed.
BMoney is the finance brokerage Sam works through, not the lender providing your loan. Funding comes from banks and non-bank lenders. Sam compares lending options to help find finance suited to your needs and circumstances. The lender makes the final approval decision.
Yes. Call Sam on 0499 255 553 if you would prefer to talk. You can also use the enquiry form below to leave your contact details and a short outline. You do not need to know the name of a loan product before getting in touch.
PRACTICAL HOME LOAN GUIDES
Deposits, buying costs, assistance and pre-approval in the Southern Highlands.
Consider switching costs, your remaining loan term and the features you use.
Finance questions to raise before committing to a rural or lifestyle property.
LET’S TALK
Share your plans and the best way to reach you.
Sam can discuss your needs and explain the next steps. This is an enquiry, not a loan application.