Tom Mather - Finance Broker

Tom Mather - Finance Broker Residential & Commercial Finance Broker at Bernie Lewis Home Loans

📞 0448 425 844

Finance made simple 🫡📞 0448 425 844
20/01/2026

Finance made simple 🫡

📞 0448 425 844

Very pleased to announce the successful settlement of a senior debt facility with a big four bank for a significant deve...
18/12/2025

Very pleased to announce the successful settlement of a senior debt facility with a big four bank for a significant development site in Thebarton, South Australia.

The transaction involved a 4,400m² site with a total facility of $5.0 million at a 65% LVR, structured with a two-year interest-only period to provide flexibility whilst development plans are finalised.

A well-structured outcome that supports the next phase of the project and positions the site strongly for future development.

19/11/2025

✨ First-home milestone loading…

My amazing first-home buyers are working towards building their very first home — a brand-new $850,000 build 🤩🏡

If approved, by utilising the First Home Owner’s Grant, Stamp Duty Exemption, and the First Home Guarantee Scheme, they could get into their home with just $36,000 of their own cash. 🙌🔥

If you’re not looking into these schemes, you definitely should be. They can make a huge difference for first-home buyers.

Curious about what you might be eligible for?

Send me a message — let’s explore your options 🤝💬

17/11/2025

When this client purchased just over a year ago with a 10% deposit, we knew his rate would improve once equity grew.

It did—significantly. 🙌

A fresh valuation allowed us to negotiate a 0.4% rate cut, saving him $200/month.

But the real win?

He’s keeping his repayments the same, putting that savings straight onto the loan.

📉 That decision alone will save him over $100k in interest over the life of the loan.

That’s how you build wealth quietly. 🧠💰

10/11/2025

💳🚗🏡 Want to get ahead financially?

Consolidating your credit cards and personal loans into your home loan can be a game changer — when done the right way. 💡

Here’s why 👇

✅ Home loans usually have much lower interest rates than other types of debt.

For example, if your credit card is charging around 20% interest, but your home loan is 5.5%, that’s a huge difference!

By rolling that high-interest debt into your home loan and keeping your repayments at the same level you were making before, you could wipe out that balance far quicker — while paying much less interest overall. 🔥

✅ One simple repayment — no more juggling bills or due dates.
✅ Lower overall interest rate — more of your money goes toward paying down debt, not interest.
✅ Improved cash flow — you can redirect savings toward your goals.

⚠️ Just remember: if you stretch that debt over the full home loan term without increasing repayments, you could end up paying more in total interest — so the key is to keep those higher repayments going and use the lower rate to your advantage.

Smart structure + smart discipline = faster financial freedom. 🙌

Another happy homeowner! 🏡✨A huge thank you to John & Julia for sharing their kind words about their experience working ...
07/11/2025

Another happy homeowner! 🏡✨

A huge thank you to John & Julia for sharing their kind words about their experience working with me. It’s always so rewarding to help clients move into their new homes smoothly and right on schedule. 🙌

If you’re thinking about buying, refinancing, or building, I’d love to help you make it happen. Let’s make your home goals a reality! 💼

06/11/2025

🔨🏡 Thinking about renovating your home? Whether you’re planning a simple refresh or a full-scale makeover, there are a couple of smart ways to fund your reno dreams 👇

💰 1. Cash-out (equity release)

If your property’s value has increased, you may be able to access some of that equity by refinancing or increasing your existing loan.

Perfect for smaller projects — like a new kitchen, bathroom update, or landscaping. 🌿

🏗️ 2. Construction (or renovation) loan

For larger-scale renovations or structural work, a construction loan might be the better fit.

Funds are released in stages as the work progresses, and you’ll only pay interest on what’s been drawn — helping with cash flow during the build. 💡

Which option suits you best depends on your budget, goals, and the size of your renovation. Always chat with your mortgage broker or lender before picking the right path forward.

✨ A well-planned reno can add real value to your home — and it starts with the right finance strategy.

04/11/2025

💻✨ The Power of Desktop Valuations

Not all banks see your property the same way 👀 — and that can make a big difference to your next investment move.

Take one of my clients with a property in Marleston — three major banks each came back with very different desktop valuations:

🏦 Bank 1: $888K
🏦 Bank 2: $923K
🏦 Bank 3: $970K

That’s an $82,000 difference in value — and that gap can unlock thousands in extra usable equity 💰 to help fund the next purchase.

Before you assume you’ve hit your limit, check your value with more than one lender. Sometimes, your next deal isn’t about saving harder — it’s about valuing smarter. 🏡📈

30/10/2025

💡 First Home Buyer Tip

Thinking about buying your first home for around $900,000? Here’s what a comparison looks like between going the traditional route and using all three first home buyer schemes. 👇

🏠 Traditional 20% Deposit Path
💰 Total upfront (including deposit, stamp duty & other costs): $240,000
That’s a big amount to save before you even get the keys!

🌟 Using First Home Buyer Schemes
With the right combination of schemes, you could save a huge:

✅ $30,000 – No Lenders Mortgage Insurance (First Home Guarantee)

✅ $43,300 – Stamp Duty Exemption

✅ $15,000 – First Home Owner Grant

💥 Total savings: $88,300!

That’s $88K less you need upfront — and potentially years shaved off your savings timeline.

🔑 Smart strategy = owning your first home sooner.

If you’re a first home buyer and want to know how these schemes could work for you, send me a message — I’ll help you crunch the numbers and find the best path to your first set of keys. 🏡✨

📞 0448 425 844



*this is not financial advice, all figures are indicative estimates*

28/10/2025

💡 Rentvesting = Smart Investing
Can’t afford to buy where you want to live? You don’t have to.

With rentvesting, you can rent where you love and buy where you can afford — building wealth through property without giving up your lifestyle.
Here’s how powerful it can be 👇

Let’s say you’re earning $90K a year, living at home, and have no debts.

➡️ As an owner-occupier, your borrowing capacity might be around $500K.

➡️ But if you instead purchase an investment property, your borrowing power could jump to around $750K — thanks to the way lenders assess rental income and tax benefits.

That’s a $250K difference just by changing your strategy. 💥

Rentvesting can help you:

🏡 Enter the property market sooner
📈 Grow equity in high-performing areas
💰 Keep flexibility in where you live

It’s a clever way to start building wealth today — even if your dream suburb feels out of reach right now.

🔑 Smart strategy. Strong returns. Sooner start.
If you’re curious about how rentvesting could work for your situation, send me a message — I’ll help you crunch the numbers and map out your best path to getting on the property ladder. 🏠✨

📞 0448 425 844



*this is not financial advice, all figures are approximate*

27/10/2025

🏡✨ Thinking of using the First Home Guarantee to buy your first home?

Here’s what it actually looks like in numbers 👇

With the First Home Guarantee (FHBG), you can buy with just a 5% deposit — and the government helps by guaranteeing up to 15% of your loan so you can avoid Lenders Mortgage Insurance (LMI). 🙌

But remember:

If you’re buying a home for $900,000, that’s a $45,000 deposit — and once you add stamp duty and upfront costs, you’ll need around $100,000 total to get started. 💰

That means you’ll still be borrowing roughly $855,000, which works out to about $4,800 per month in repayments (depending on your lender, rate, and loan term).

To qualify for that loan amount, a single applicant would typically need an income of around $155,000 per year — so while the FHBG helps you get in the door sooner, it’s important to make sure the numbers still work for you. 🧾

✨ The takeaway: The scheme helps reduce entry costs, not ongoing costs.

Smooth. Simple. Stress-free.That’s how it should be. Thanks to Leanne for the lovely feedback 🥳📞 0448 425 844
25/10/2025

Smooth. Simple. Stress-free.

That’s how it should be.

Thanks to Leanne for the lovely feedback 🥳

📞 0448 425 844

Address

68 Greenhill Road Wayville
Adelaide, SA
5034

Telephone

+61448425844

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