Building financial confidence through strategy, clarity, and connection
At Penny, we believe that when knowledge is shared, confidence follows. Through our partnership with outsource Financial, we’re excited to feature mortgage brokers like Mia van Baar: strategic leaders who are changing the way women approach lending, wealth, and financial empowerment.
From service to strategy: Mia’s journey into finance
Mia’s professional life started in traditionally male-dominated spaces – The Australian Army and NSW Police Force, where she learned the power of structure, leadership, and standing firm in her values. When she moved into finance, she saw many of the same systemic issues: confusion, intimidation, and a lack of empathy.
Mia brings a values-driven, structured approach to her work – and a deep commitment to helping clients build wealth with clarity and purpose. Whether it’s a home loan, business finance, or personal lending, Mia’s philosophy is clear: lending should be personal, not transactional.
“I built my business to be a safe, strategic space where clients – especially women – feel heard and in control.”
Why women need to feel confident with credit
Mia knows that for many women, financial independence starts with understanding lending. Whether they’re buying solo, co-purchasing, or rebuilding after a relationship breakdown, too many women still don’t feel confident navigating the system.
That’s where her team steps in — providing transparency on borrowing capacity, how banks assess applicants, and what structures will support someone both now and into the future.
She also places a strong emphasis on future-proofing: building buffers, thinking about life changes, and using lending as a stepping stone to long-term security.
“Women often come to us saying, ‘I don’t even know what to ask.’ That’s okay. Our job is to make things feel clear, calm and tailored to where you’re at — and where you want to go.”
“There is no perfect time. The goal is to take educated steps now so you’re ready when the opportunity comes. Knowledge is power — and preparation is protection.”
Mia’s top tips for first-time buyers
For women just starting their journey toward homeownership, Mia says clarity is key. That means:
- Knowing your financial picture: Income, expenses, savings, credit – get clear on where you stand.
2. Defining your goal: Is this a forever home, an investment, or a stepping stone? Your strategy depends on it.
3. Building your team early: A broker, conveyancer, accountant – people you trust to guide the way.
4. Don’t wait to feel 100% ready: That “perfect time” rarely shows up, and with the right strategy, you can start sooner than you think.
- Plan for your future self: Look beyond the loan – build in buffers, strategy, and sustainability.
Why Mia’s working with Penny
For Mia, joining the Penny platform was a no-brainer. It’s a chance to connect with women who are actively investing in themselves, and to be part of a broader mission to make finance feel accessible, inclusive, and future-focused.
“Penny is changing the conversation around homeownership and wealth, and I’m proud to contribute my voice. Together, we can break down barriers…”
By partnering through outsource Financial, Mia is part of a growing network of brokers helping Penny users navigate home buying with confidence and clarity.
Ready to take the next step?
You can connect with Mia – and other like-minded professionals – directly through the Penny app. Real support, no jargon, just smart, strategic guidance made for you.