--- title: | Julie Azzi description: Julie is a Loan Specialist at Altus Financial and she works with clients to help them seek the right loan and loan structure that suits their needs. --- [![Logo](https://www.altusfinancial.com.au/hubfs/Logo.svg "Logo")](https://www.altusfinancial.com.au/) - [Home](https://www.altusfinancial.com.au) - [Services](https://www.altusfinancial.com.au/services) - Company - [About Altus](https://www.altusfinancial.com.au/our-story) - [Our People](https://www.altusfinancial.com.au/our-team) - [Careers](https://www.altusfinancial.com.au/careers) - [Graduate Program](https://www.altusfinancial.com.au/altus-pathways-graduate-program) - [Altus Gives](https://www.altusfinancial.com.au/community) - [Our Global Reach](https://www.altusfinancial.com.au/our-global-reach) - Resources - [Insights](https://www.altusfinancial.com.au/insights) - [Resources & Guides](https://www.altusfinancial.com.au/resources) - [Videos](https://www.altusfinancial.com.au/videos) - Client Programs - 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[Growth (38)](https://www.altusfinancial.com.au/blog/topic/growth) - [Business Succession (25)](https://www.altusfinancial.com.au/blog/topic/business-succession) [![Helpful Resources](https://no-cache.hubspot.com/cta/default/512115/11b7293b-309b-4f1b-af85-27ec1dd19a35.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/11b7293b-309b-4f1b-af85-27ec1dd19a35) Request a Consultation - Close![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/close%20(3).svg) ## Request a Consultation - [Insider](https://www.altusfinancial.com.au/blog/topic/insider) # [Fortunity is now Altus](https://www.altusfinancial.com.au/blog/fortunity-is-now-altus) For many years, Fortunity has proudly supported individuals, families and businesses across the Central Coast with trusted financial advice and deep local relationships. Today, we are excited to enter our next chapter as Altus. This evolution brings together t..... ###### Altus Team #### Latest Posts [Insider](https://www.altusfinancial.com.au/blog/topic/insider) ##### [Fortunity is now Altus](https://www.altusfinancial.com.au/blog/fortunity-is-now-altus) [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Family Office](https://www.altusfinancial.com.au/blog/topic/family-office), [Families Who Thrive](https://www.altusfinancial.com.au/blog/topic/families-who-thrive) ##### [The Great Wealth Transfer](https://www.altusfinancial.com.au/blog/the-great-wealth-transfer) [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Super](https://www.altusfinancial.com.au/blog/topic/super), [Tax](https://www.altusfinancial.com.au/blog/topic/tax) ##### [Division 296 tax: what high-balance super members need to do now](https://www.altusfinancial.com.au/blog/division-296-tax-what-high-balance-super-members-need-to-do-now) [Business](https://www.altusfinancial.com.au/blog/topic/business), [FBT](https://www.altusfinancial.com.au/blog/topic/fbt), [Accounting](https://www.altusfinancial.com.au/blog/topic/accounting) ##### [Common FBT Questions and Answers](https://www.altusfinancial.com.au/blog/common-fbt-questions-and-answers) [Super](https://www.altusfinancial.com.au/blog/topic/super), [Business](https://www.altusfinancial.com.au/blog/topic/business) ##### [Pay Day Super Is Coming: What SMEs Should Be Doing Now](https://www.altusfinancial.com.au/blog/pay-day-super-is-coming-what-smes-should-be-doing-now) [Lending](https://www.altusfinancial.com.au/blog/topic/lending), [Families Who Thrive](https://www.altusfinancial.com.au/blog/topic/families-who-thrive) - 9 min read #### [Supporting the Next Generation into Property](https://www.altusfinancial.com.au/blog/supporting-the-next-generation-into-property) For many families, the biggest lending conversations we’re having right now aren’t about refinancing or rate movements, ..... ###### Julie Azzi [Refinancing](https://www.altusfinancial.com.au/blog/topic/refinancing) - 4 min read #### [Understanding the Basics of Refinancing](https://www.altusfinancial.com.au/blog/understanding-the-basics-of-refinancing) Are you dissatisfied with your current mortgage? If so, refinancing might be the solution. Obtaining a new mortgage to r..... ###### Julie Azzi [Refinancing](https://www.altusfinancial.com.au/blog/topic/refinancing) - 5 min read #### [The Pros & Cons of Refinancing Your Home Loan](https://www.altusfinancial.com.au/blog/the-pros-cons-of-refinancing-your-home-loan) When mortgage rates are low, you may wonder if it’s an optimal time to refinance your loan. With rates under 3%, now is ..... ###### Julie Azzi [Investments](https://www.altusfinancial.com.au/blog/topic/investments) - 7 min read #### [10 Simple Tips for First-Time Property Investors](https://www.altusfinancial.com.au/blog/10-simple-tips-for-first-time-property-investors) Looking for a way to diversify your portfolio? Real estate investing can be tremendously beneficial to your financial we..... ###### Julie Azzi [Lending](https://www.altusfinancial.com.au/blog/topic/lending) - 7 min read #### [The Basics of Borrowing: What You Need to Know](https://www.altusfinancial.com.au/blog/the-basics-of-borrowing-what-you-need-to-know) People borrow money for many reasons, from purchasing a home to starting a business. These items are usually too expensi..... ###### Julie Azzi [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - 9 min read #### [The Ultimate Checklist: Buying Your Dream Home](https://www.altusfinancial.com.au/blog/the-ultimate-checklist-buying-your-dream-home) The Ultimate Checklist: Buying Your Dream Home Finance Check Local Market Check Title Search Budget for Maintenance Home..... ###### Julie Azzi [Strategy](https://www.altusfinancial.com.au/blog/topic/strategy) - 8 min read #### [8 Strategies to Optimise Your Spending Habits](https://www.altusfinancial.com.au/blog/8-strategies-to-optimise-your-spending-habits) Do you ever feel that your spending is out of control? Would you like to save more money for the future? Do you often re..... ###### Julie Azzi [Lending](https://www.altusfinancial.com.au/blog/topic/lending) - 6 min read #### [How to Determine How Much Home You Can Afford](https://www.altusfinancial.com.au/blog/how-to-determine-how-much-home-you-can-afford) Since the beginning of the year, around 40 Australian lenders have dropped their fixed rates, causing many to wonder, “I..... ###### Julie Azzi [Refinancing](https://www.altusfinancial.com.au/blog/topic/refinancing) - 5 min read #### [Falling Interest Rates! How Refinancing Can Save You Money](https://www.altusfinancial.com.au/blog/falling-interest-rates-how-refinancing-can-save-you-money) With interest rates dropping, you may hear rumbles about refinancing. And for good reason. If you can secure a lower int..... ###### Julie Azzi [Lending](https://www.altusfinancial.com.au/blog/topic/lending) - 3 min read #### [Fixed Mortgage Rates: The Advantages for Homeowners](https://www.altusfinancial.com.au/blog/fixed-mortgage-rates-the-advantages-for-homeowners) Homeowners have several options when it comes to mortgages, but most end up choosing fixed mortgage rates. And for good ..... ###### Julie Azzi [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - 5 min read #### [6 Tips to Improve Your Credit Score Quickly](https://www.altusfinancial.com.au/blog/6-tips-to-improve-your-credit-score-quickly) How important is your credit score? Believe it or not, your credit score can affect all of these areas of your life: ###### Julie Azzi [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - 5 min read #### [Mortgage Interest Rates Explained](https://www.altusfinancial.com.au/blog/mortgage-interest-rates-explained) Buying a home? You’ll likely need a mortgage. And chances are your mortgage will be the most significant loan you’ve eve..... ###### Julie Azzi [Lending](https://www.altusfinancial.com.au/blog/topic/lending) - 7 min read #### [Commercial Loans: Broker or Bank?](https://www.altusfinancial.com.au/blog/commercial-loans-broker-or-bank) Going straight to the bank will avoid using an intermediary and circumventing an intermediary will save money. While thi..... ###### Julie Azzi [All posts](https://www.altusfinancial.com.au/blog/all) [Next](https://www.altusfinancial.com.au/blog/author/julie-azzi/page/2) ### **Could Your Business Benefit from an Outsourced CFO?** Set your business on the right path with this simple guide. 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Altus Wealth Pty Limited ABN 55 649 956 212 is an Authorised Representative of Altus Financial Services Pty Ltd ABN 24 637 026 825 an Australian Financial Services Licensee (AFSL no. 520266). Altus Financial Services Pty Ltd is not responsible for the advice, products and services provided by Altus Accounting. Julie Azzi is a credit representative (CR No. 366834) of BLSSA Pty Ltd ABN 69 117 651 760 (Australian Credit Licence 391237).