Hiral Khamar- Mortgage Broker

12/05/2026

05/05/2026

Another cash rate hike of 0.25%

28/04/2026

Book an appointment today: https://calendly.com/hiral-cinch/initial-consulting

15/04/2026

First home, first step- contact me for no-obligation chat on 0425 085 551 today.

13/04/2026

Call 0425 085 551 today to discuss personalised solution.

30/03/2026

Not all investment journeys start with buying — they start with the *right structure*.

Had a client recently whose priority was clear: maximise tax benefits and set things up properly for long-term wealth. So that’s exactly what we did 👇

✔️ Refinance with clean splits
✔️ Separate equity release
✔️ Standalone investment loan
✔️ No cross-collateralisation

Simple, clear, and accountant-friendly at tax time.

Result? ✅ Pre-approval done and client ready to move with confidence.

If you’re sitting on equity and not sure how to use it smartly — you might be closer to your next investment than you think.

DM me to get started.

22/03/2026

17/03/2026

Mortgage holders have been slapped with another 25 basis point rate rise from the Reserve Bank, which is worried soaring petrol prices will fuel already-high inflation.

16/03/2026

Thank you so much for the lovely review. I truly feel blessed and really enjoyed being part of this client's home loan journey.
I also want to thank my mentor for guiding me on this journey.

14/01/2026

🏡 LMI isn’t ideal — but waiting years to buy isn’t either.

LMI (Lender’s Mortgage Insurance) is a one-off insurance cost that protects the lender, not the borrower.
It applies when your deposit is under 20%, because the lender is taking on more risk.

That said, LMI doesn’t have to stop you from buying.
If you have less than a 20% deposit, paying LMI can be a strategic move, because it allows you to:
✔️ Enter the property market sooner
✔️ Beat rising prices while you’re still saving
✔️ Start building equity earlier
In many cases, the equity gained in just a few years can easily outweigh the one-off LMI cost.

💡 Even better:
• LMI isn’t a fixed cost — it depends on your LVR(Loan-to-Value Ratio).
• An 85% LVR attracts significantly lower LMI than 90% or 95%.
• Some professionals, lenders, and government schemes can help you avoid LMI altogether.

📞 Not sure what’s best for you?
As your mortgage broker, I’ll help you minimise or avoid LMI and find the smartest path into the market.
👉 DM me or book a chat to explore your options.