Kristen Pavez Mortgage Broker

Kristen Pavez Mortgage Broker Home, investment and personal loan specialist. Online/in person applications available. DM or email me to book a chat [email protected] šŸ˜Š

Mobile healthy cooking classes that come to you. I specialise in Corporate & Private group cooking classes & I also run cooking classes for the public. See my website for more information.

INTEREST RATE UPDATEMost of the Big Four banks believe weā€™re at, or very close to, the peak of the rate cycle.Current fo...
11/06/2026

INTEREST RATE UPDATE

Most of the Big Four banks believe weā€™re at, or very close to, the peak of the rate cycle.

Current forecasts suggest:

CBA and ANZ expect no further rate rises.

NAB predicts one final 0.25% increase.

Westpac sees the possibility of a small rise before rates ease.

Most banks expect rate cuts to begin in 2027.

While forecasts can change, now is a great time to review your home loan and ensure youā€™re still on a competitive rate.

A small rate reduction could save you thousands over the life of your loan.

Book a quick chat to review your options.

General information only and not financial advice.

Thinking about upgrading the car before EOFY?Iā€™m seeing a huge spike in car finance enquiries, especially from business ...
01/06/2026

Thinking about upgrading the car before EOFY?

Iā€™m seeing a huge spike in car finance enquiries, especially from business owners looking to make the most of potential tax benefits before June 30.

Iā€™m also helping clients beat dealership finance rates, with faster approvals and more flexible options through a range of lenders.

If a new car is on your radar, donā€™t leave it until the last minute. EOFY gets busy fast.

Book a quick chat via the link in my bio or DM and letā€™s see whatā€™s possible.

27/05/2026

The budget changed things overnight. Itā€™s not all doom and gloom though.

If you have not reviewed your home loan recently, now is the time.Many banks are still offering sharper rates to new cus...
20/05/2026

If you have not reviewed your home loan recently, now is the time.

Many banks are still offering sharper rates to new customers than loyal existing ones. And while 0.10% might not sound like much of a discount, on a $700,000 loan over 30 years, it could save you tens of thousands of dollars.

That is why I am having so many refinance conversations right now.

A quick review could mean:
ā€¢ Lower repayments
ā€¢ Less interest paid over time
ā€¢ Access to equity for renovations or investments
ā€¢ A loan structure better suited to your goals

Book a quick chat and letā€™s see if your rate is still competitive. Link is in my bio, or send me a DM to book.

Hereā€™s a snapshot of the 2026 Budget and how it may affect you, as a buyer or seller of property. If youā€™d like to know ...
13/05/2026

Hereā€™s a snapshot of the 2026 Budget and how it may affect you, as a buyer or seller of property. If youā€™d like to know more, donā€™t hesitate to reach out.

Reverse mortgages are becoming a much bigger conversation lately.For some retirees, they can provide breathing room, hel...
11/05/2026

Reverse mortgages are becoming a much bigger conversation lately.

For some retirees, they can provide breathing room, help fund renovations, clear debt, assist children into the property market, or simply improve cash flow without needing to sell the family home.

But like any lending strategy, theyā€™re not one size fits all.

There are pros, risks, long term impacts on equity, and important things families should understand before making any decisions.

I think education around these products is really important, because thereā€™s still a lot of confusion and stigma attached to them.

Have you looked into reverse mortgages before, or would you consider one later in life?

Would love to hear peopleā€™s thoughts and experiences below šŸ‘‡

Right now, banks are pushing harder than ever to bring clients direct.Which means one thing for youā€¦ youā€™re only seeing ...
04/05/2026

Right now, banks are pushing harder than ever to bring clients direct.

Which means one thing for youā€¦ youā€™re only seeing their options, not the full picture.

This is where I come in.

Iā€™m not tied to one lender, one policy, or one rate. Iā€™m here to advocate for you, compare across the market, and find the solution that actually fits your situation, not the bankā€™s targets.

In a market like this, having someone in your corner isnā€™t a luxury, itā€™s an advantage.

There are still great opportunities out there, but you need the right strategy and the right lender behind you.

If you want to make sure youā€™re not overpaying or missing a better option, letā€™s have a quick chat and map it out. Book a discovery call via the link in my bio šŸ«¶

Lovely treats from my lovely clients. Thank you Chloe and Mat, loved helping you with your refinance šŸ™.
29/04/2026

Lovely treats from my lovely clients. Thank you Chloe and Mat, loved helping you with your refinance šŸ™.

Is your pre-approval still valid? Are you out house hunting this weekend? Do you have your finance pre approved? If so, ...
23/04/2026

Is your pre-approval still valid? Are you out house hunting this weekend? Do you have your finance pre approved?

If so, be sure to touch base with your bank/broker, as a lot has changed in the last few months, and it may change your borrowing capacity.

If you need to chat today, give me a call šŸ“±.

Iā€™ve had such a busy morning, with school lunches, gym and school drop off, so I had no time for breakfast šŸ™ˆ.This Slim D...
23/04/2026

Iā€™ve had such a busy morning, with school lunches, gym and school drop off, so I had no time for breakfast šŸ™ˆ.

This Slim Down shake is my quick fix that keeps me full, tastes amazing, helps with cravings and hormone support. What a win!

Address

5/787 Canning Highway Applecross
Applecross, WA
6153

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61421900705

Website

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