Duty First Mortgages

24/01/2026

Very happy to get this one over the line 🙌

With the RBA set to make a call on interest rates in just over a week, I’ve had an influx of clients looking to refinance and lock in a solid rate while they still can.

Predictions are pointing towards a possible rate hike 😒 but fingers crossed we dodge it.

If you’d like to see whether you can get a better rate or some certainty with a fixed option, give me a bell and let’s have a look.

Happy long weekend all 🇦🇺

12/01/2026

Great way to start the year! A huge congratulations to one of the boys🎊(you know who you are😉)

This loan has been a pleasure to work on!
All documents received super quickly, seamless bank processing and settlement and to top it off we rate locked right before the recent hike 📈

If your looking to buy or refinance give me a call, there are really good deals getting around at the moment!

05/01/2026

Last night of holidays up on our beautiful rooftop ✨️

We are back in the office now and ready to help.

I've had a fair few inquiries about buying and refinancing over the Christmas break.

Lots of rates moving and the trend is seeing fixed rates becoming more popular again.

If you need help with your Mortgages, looking to fix in a good low rate or help with any purchases feel free to reach out, even just for a chat!

Happy New year!

29/12/2025

Wishing everyone a Merry Christmas and a prosperous New Year 🎄❄️🙏

Thank you to everyone who supported us throughout 2025 — it’s been an incredible year helping people achieve their home and investment goals.

Here’s to a safe, successful, and opportunity-filled 2026! ⭐️

17/12/2025

Bit of recognition from our aggregator goes a long way at the end of huge year.

Thanks to everyone who have let me assist you with your Mortgages, its been a pleasure!

Looking for to an even bigger 2026

Happy holidays, Merry Christmas 🎅 🎄

02/12/2025

25/11/2025

🏡 Land Settlement Complete!

Huge congrats to our clients with their land officially settling today — the first major step toward building their new home! 🙌

When you're building, there are some great finance options designed to take the pressure off during construction:

🔸 1. Interest-Only During the Build

Most banks allow Interest Only repayments for the first 12 months while the builder is constructing your home.
This means:
✔️ Lower repayments during the build
✔️ Better cash flow
✔️ Less financial stress while you juggle rent or an existing mortgage

Once the home is complete, the loan then switches back to principal and interest.

🔸 2. Bridging Loan Option

For homeowners wanting to build before selling their current property, a bridging loan can be a game changer.

With bridging:
✔️ You can often pay nothing for the land and nothing during the build
✔️ All interest is capitalised into the loan
✔️ When your existing home sells, the sale proceeds pay down the bridging loan and finalise the setup of your new mortgage

This can remove a lot of stress for families who don’t want to move twice or rush a sale.

If you’re buying land, building, or considering bridging finance, I’m happy to run the numbers with you and explain the options clearly.

📲 Duty First Mortgages — Making building and moving easier

18/11/2025

In my opinion it's not just about liveability but more affordability, those who can't afford houses anymore are happy to pay a lot less to secure an apartment. At least they got their foot in the game then.

I've had clients missing out on massive growth whilst waiting to find the "right" house.

Its important to just park your money on some kind of property while searching for the dream home otherwise the money just didn't keep up and you get priced out really quickly.....

05/11/2025

No Rate drop this time round.

Outcome - it might slow the price of properties going up (A little) but doesn't make it any easier to afford that little bit more..

Bad for those looking for mortgage relief.

There are a few good fixed options getting around between .25% - .50% cheaper than the best Variable rates at the moment

Give me a message or a call if you would like to have a chat about your mortgage.... or just got a catch up🙂🍾

03/11/2025

🏠 Housing Affordability — Let’s Talk About It

It’s no secret that housing affordability has become one of the biggest challenges for buyers across Australia. Rising prices and tighter lending rules mean that for many, the numbers just don’t add up.

Here’s something most people don’t realise 👇

💡 The big banks apply a 3% “serviceability buffer” when assessing your loan.
That means if your actual rate is 5.5%, they’ll test your ability to repay at 8.5%!

That’s where specialist lenders and brokers (like me) can make a real difference.
Through Duty First Mortgages, I have access to lenders who can assess using 2%, 1% — and even 0% buffers in specific circumstances.

⚖️ That can mean the difference between a “no” and a “yes” — especially for clients with strong income or those refinancing to improve cash flow.

If affordability has been holding you back, it might be worth a fresh look at your numbers.

Give me a call 👌

21/10/2025

📈 Broker market share keeps climbing
Mortgage brokers now write a record 76.8% of all new home loans, showing more Australians are choosing trusted, independent advice.

💰 Home loan rates easing
Variable rates have dipped to around 5.13% for owner-occupiers. Refinancing activity remains strong as borrowers look for better deals.

✅ Mortgage arrears remain low
Less than 2% of loans are overdue — a great sign of borrower resilience despite rate pressures.

🏠 Housing market cooling (but still active)
Home values rebounded 0.7% in Q1 2025, though sales are taking longer — average time on market has risen from 30 to 40 days.

🏘️ Rental market still tight
Vacancy rates remain extremely low, especially in Perth and Adelaide (~0.6%), with rents continuing to edge upward.

🔥 Hot suburbs & resale pressure
Some NSW and QLD postcodes have jumped by up to $562K in median value this year — pushing premium stock into new price brackets.

💡 The takeaway:
While market strength is moderating, opportunities are still out there — especially for buyers and refinancers who move strategically and act fast.

📲 Want to understand how these trends affect your next move? Let’s chat.

20/10/2025

Smart refinancing = real savings 💪

If your rate still starts with a 5.3% or higher, it might be time to review your loan.

📲 DM me for a quick check — it’s free and could save you thousands.