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Kristen Pavez Mortgage Broker

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Australia
Applecross, WA
Kristen Pavez Mortgage Broker

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Home, investment and personal loan specialist. Online/in person applications available. DM or email me to book a chat [email protected] 😊

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.

30/10/2026

In four and a half years as a mortgage broker, I’ve never had more conversations about fixed rates and rate locks than I have over the past 12 months.

Just this week, I’ve submitted three loans with rate locks in place.

So, what exactly is a rate lock?

If you’re considering fixing your home loan, some lenders allow you to lock in the fixed rate at the time your loan application is submitted.

Why does this matter?

If rates increase before your loan settles, a rate lock can protect you from that increase.

The cost varies between lenders. Some charge a flat fee, others charge a percentage of the loan amount, and some offer rate locks at no cost.

With another potential rate rise looming on Tuesday, it’s no surprise this has become a hot topic with my clients.

Thinking about fixing your rate or want to understand whether a rate lock is worth considering?

Get in touch. Let’s look at your options before making a decision on whether this is right for you.

10/10/2026

Another rate rise in November could cost you borrowing power.

If interest rates rise again, it’s not just your repayments that could increase. Your borrowing capacity will be reduced too.

That could mean:
• A smaller budget when buying a home.
• Less flexibility when upgrading.
• An investment property being pushed further out of reach.

Don’t wait until rates rise to find out where you stand.

If you’re planning to buy, upgrade or invest, let’s look at your borrowing capacity now so you can make informed decisions.

Message me to chat 💬.

29/09/2026

Buying your first home is exciting.

But it can also feel overwhelming.

How much can I borrow?
How much deposit do I need?
Which bank is right for me?
What will my repayments be?

That’s where I come in.

I’ll help you understand your numbers, your options and the steps involved, so the finance side feels simple and less stressful. You’ll also be able to call or text whenever something is on your mind.

You don’t need to know everything.

You just need someone who does.

Thinking about buying your first home? Let’s chat.

15/09/2026

Spring is well and truly here 🌻.

Longer days. Warmer nights. And that feeling that it’s time to get things moving.

It’s no secret the property market has shifted this year, and some areas have moved a lot more than others.

Because of this, I’m seeing more homeowners choosing to renovate rather than sell.

And honestly, I get it.

We’re doing a major renovation on our own home at the moment.

We love where we live, we love our location, and rather than selling and starting again, we’re creating the home we want to stay in.

Our goal is to make it our forever home, until we’re old and grey and ready to downsize.

But here’s the thing.

Renovating can be a great option, but you need to make sure the finance stacks up before you start knocking down walls.

There are a number of ways you may be able to fund a renovation, depending on your existing loan, equity, income and what you’re planning to do.

I can help you work out:

• How much equity you have available
• How much you could potentially borrow
• Whether refinancing makes sense
• How to structure the lending
• And what your repayments could look like before you commit to the renovation

If you’re thinking about renovating your home this spring, don’t start with the builder.

Start with the numbers.

Comment “RENOVATE” and I’ll help you work out what could be possible. I’ll also share my tips for renovating and keeping to a budget.

10/09/2026

A huge win for my lovely 72 year old ex pat client.

After 2.5 years of planning & conversations, she’s ready to make the move back home.

I spoke with 25 lenders and had to negotiate directly with the credit assessor, and her home loan has been approved.

This move will be life changing, bringing her closer to family again.

I cannot wait to share the news with her.

09/09/2026

Predictions have just been updated, and all four majors agree. Listen in to find out more

07/09/2026

Perth buyers now have more than twice the choice they had a year ago.

There are currently 7,312 properties listed for sale across Perth, compared with 2,981 this time last year.

More choice can mean more time to compare properties, negotiate and avoid paying more than planned.

But your finance still needs to be ready.

Book a borrowing capacity review before you start making offers.

Link is in my bio or via DM.

30/08/2026

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, they’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 there’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 people’s thoughts and experiences below 👇. If this is on your radar, reach out:
📲0421 900 705
📧 [email protected]

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

https://south.haivenproperty.com.au/pages/real-estate/kristen-pavez

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