Optimo Home Loans

05/11/2025

Property prices are running hot as we head into summer, and the market is tipped to dial up even further over the next 12 months. Here’s how it could shape your home-buying plans. ☀️

Property prices are running hot as we head into summer, and the market is tipped to dial up even further over the next 12 months. Here’s how it could shape your home-buying plans.Aussie home values are sprinting into summer, with property price growth hitting the fastest pace in over two years in ...

05/11/2025

💔 Separating? Understand your home loan options 💔⁣
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It’s happened to Keith and Nicole, and unfortunately, it could happen to anyone. ⁣
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Divorce and separation can bring raw emotions. 😔⁣
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But it’s also a time to start planning for your future. ⁣
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You may choose to sell the family home, split the proceeds, and each buy your own new place. 🏡 🏡 ⁣
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Or you might decide to buy out your ex’s share of the property. 🏠⁣
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Either way, amid the raw emotions of a break-up, it’s important to have support and guidance from trusted professionals.⁣
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In some areas, a lawyer may be your first port of call. In others, such as finance, we’re here to help. 👇⁣
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To find out more, DM us or contact Esteban on:

☎️ – 0423 515 251
💻 – [email protected]

03/11/2025

🏘️ Buying a unit? A strata report could be a wise idea 🏘️⁣
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A strata report can reveal any building defects, planned works, or evidence of disputes. ⁣
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The report can also confirm whether the building is properly insured. 🔍⁣
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Yes, it’s another upfront cost - usually a few hundred dollars. 💵⁣
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But it can save you from unexpected expenses later or help you avoid buying a bricks and mortar lemon before paying a deposit. 🍋⁣
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Another area you might want help with? Finance! ⁣
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And that's our specialty. 👇⁣
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To find out more, DM us or contact Esteban on:

☎️ – 0423 515 251
💻 – [email protected]

29/10/2025

Season 21 of The Block may be over but the sales are not, with two homes failing to find buyers at auction. It’s a different story across the broader market though. As auction clearance rates heat up we explain how to get your auction game on. 💪

Season 21 of The Block may be over but the sales are not, with two homes failing to find buyers at auction. It’s a different story across the broader market though. As auction clearance rates heat up we explain how to get your auction game on. Life may imitate art, but reality TV doesn’t always ...

29/10/2025

😮 7 in 10 borrowers haven’t checked if they could refinance and save 😮⁣
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Why wait for more official rate cuts?⁣
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ABS data shows tens of thousands of home owners have received a rate saving this year by refinancing. 🙌⁣
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But Compare the Market says 7 in 10 people who’ve had the same home loan for 3-plus years haven’t refinanced.⁣
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Hanging onto an older loan can cost you financially. 🙃⁣
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It could mean paying a higher rate than necessary or missing out on money-saving loan features.⁣
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If you and your loan have been together a while, call us to see if you could save by switching. 👇⁣
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To find out more, DM us or contact Esteban on:

☎️ – 0423 515 251
💻 – [email protected]

27/10/2025

👨‍🔧 How to get a home loan if you’re self-employed 👨‍🔧⁣
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Over 2 million Australians are living the dream of self-employment.⁣
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While working for yourself can make it harder to land a home loan, don’t let that deter you. 🤜 🤛⁣
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Westpac reports a 30% rise in home loans to self-employed borrowers.⁣
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So it can be done.⁣
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You usually need proof of income spanning several years, though 1-year income assessment options have become available.⁣
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The main thing is to talk to us. 📞⁣
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Because we strongly believe that running your own show shouldn't stop you from getting a place of your own. 👇⁣
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To find out more, DM us or contact Esteban on:

☎️ – 0423 515 251
💻 – [email protected]

22/10/2025

If you’ve just boarded the home buyer express, chances are ‘value’ is high on your list of neighbourhood must-haves. Well, it turns out that house hunters who are happy to stay on the train for just one more stop can be rewarded with savings totalling hundreds of thousands of dollars. 🏡 🚊

If you’ve just boarded the home buyer express, chances are ‘value’ is high on your list of neighbourhood must-haves. Well, it turns out that house hunters who are happy to stay on the train for just one more stop can be rewarded with savings totalling hundreds of thousands of dollars.When you....

22/10/2025

🧐 The trap 1 in 2 first home buyers fall into 🧐⁣
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Ouch! Almost half of first-time buyers paid more for their place than they budgeted, says Finder.⁣
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Even a small budget blowout can hurt your hip pocket. 🙃⁣
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Spend $50,000 over a $500,000 budget, and you could add more than $3,500 to your annual home loan repayments.⁣
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Sure, high home prices are making it tough to stick with a budget.⁣
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But knowing your borrowing capacity - or getting home loan pre-approval - could help. 👍⁣
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It could help set a line in the sand for your borrowing limit.⁣
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Talk to us to know your borrowing power. It could help firm up your buying budget. 👇⁣
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To find out more, DM us or contact Esteban on:

☎️ – 0423 515 251
💻 – [email protected]

20/10/2025

🏘️ How much equity can you use to buy an investment property? 🏘️⁣
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Built some equity in your home?⁣
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You may be able to use it to invest in a rental property. ⁣
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Here’s the catch. 🎣⁣
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Lenders want to protect themselves (and you) if house prices drop.⁣
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That’s why banks look at your ’usable’ equity.⁣
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That works out to 80% of the value of your home, then deduct your home loan balance.⁣
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Here’s another solution. 😎⁣
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Skip the number-crunching and call us.⁣
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We can explain how much you can borrow without the complex numbers. 👇⁣
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To find out more, DM us or contact Esteban on:

☎️ – 0423 515 251
💻 – [email protected]

15/10/2025

They say there’s nothing quite like a parent’s love. Well, perhaps except for a parent’s love plus an extra $40,000 to help buy your first home. Today we’ll look at the pros and cons of family support – plus other ways to buy a first home that give mum and dad a break. 🏡

They say there’s nothing quite like a parent’s love. Well, perhaps except for a parent’s love plus an extra $40,000 to help buy your first home. Today we’ll look at the pros and cons of family support – plus other ways to buy a first home that give mum and dad a break.Saving a first home d...

15/10/2025

📈 House prices predicted to rise 6% nationally 📈⁣
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Looks like the property market isn’t about to take a breather anytime soon.⁣
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Domain is forecasting house prices to climb 6% this financial year. 😮⁣
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Lower interest rates plus a housing shortage are behind the expected price hikes.⁣
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It might not sound like much, but a 6% rise on a $1.3 million house is an extra $78,000. 😬⁣
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That could make it worth considering bringing forward your home-buying plans.⁣
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Contact us to find out if you’re home loan ready right now. 👇⁣
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To find out more, DM us or contact Esteban on:

☎️ – 0423 515 251
💻 – [email protected]