Service Region: Central Coast
Proudly servicing homeowners across the entire Central Coast region, from the Hawkesbury River to Lake Macquarie, providing expert home loan health checks and trusted mortgage advice wherever you call home.
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Melissa Cavers

Dip.FMBM, Member MFAA
Australian Credit License: 509484
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  • Home Loans
  • Refinance
  • Debt Consolidation
  • Investment Loans
  • SMSF Loans
  • Renovation Loans
  • Commercial Loans

 

Meet Melissa Cavers

Founder • Mortgage Broker • Certified Money Coach

Melissa established Maplefly Money with a clear purpose: to provide personalised support that helps clients feel confident, calm, and in control of their money.

Her experience spans lending, property investment, behavioural finance, and banking. As both a licensed Mortgage Broker and a Certified Money Coach in Australia, Melissa offers a rare combination of strategic financial advice and emotional insight.

Whether you’re:

  • Buying your first home
  • Refinancing for flexibility
  • Planning an investment
  • Or looking to improve your relationship with money

 

Melissa meets you where you are, providing non-judgmental guidance and practical tools to support your next step.

Her money coaching services help clients uncover the emotional and behavioural patterns behind their financial choices, then gently shift those patterns to build healthier money habits and long-term financial wellbeing.

Helping you make smart financial choices!

Service Region: Central Coast
Proudly servicing homeowners across the entire Central Coast region, from the Hawkesbury River to Lake Macquarie, providing expert home loan health checks and trusted mortgage advice wherever you call home.

Here are the questions we will ask in the discovery process

1  -   -  First name + suburb/town? (That is all we need to know for now)
2  -   -  Email address? (How we will get back to you)
3  -   -  What is your current rate?
4  -   -  What is your mortgage balance?
5  -   -  Which company is your current loan with?
6  -   -  How long is your remaining loan term?
7  -   -  What is your employment status?
8  -   -  What is the combined annual household income before tax?
9  -   -  Do you have any credit cards?
10  -   How many financial dependants?
11  -   Are you living in the property or is it an investment?
12  -   What is your main goal?
13  -   Do you have an idea on what your home may be worth?
14  -   Are there any financial conditions affecting your loan's health?
15  -   Are there any upcoming life events that could affect your loan's wellbeing?
16  -   When was your last home loan check-up?
1

First name + suburb/town? (That is all we need to know for now)

2

Email address? (How we will get back to you)

3

What is your current rate?

4

What is your mortgage balance?

5

Which company is your current loan with?

6

How long is your remaining loan term?

7

What is your employment status?

8

What is the combined annual household income before tax?

9

Do you have any credit cards?

10

How many financial dependants?

11

Are you living in the property or is it an investment?

12

What is your main goal?

13

Do you have an idea on what your home may be worth?

14

Are there any financial conditions affecting your loan’s health?

15

Are there any upcoming life events that could affect your loan’s wellbeing?

16

When was your last home loan check-up?

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