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Monday 8:30am - 7pm Tuesday 8:30am - 7pm Wednesday 8:30am - 7pm Thursday 8:30am - 7pm Friday 8:30am - 7pm Saturday 9am - 1pm

Brendon Harbert - Buyers Choice Mortgage & Finance

Home
Australia
Ascot Vale, VIC
Brendon Harbert - Buyers Choice Mortgage & Finance

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Finance and Mortgage adviser who listens to clients and values follow up to offer the best solution to their individual financial goals.

I'm a ‘one stop’ personal service solution for clients seeking finance for mortgages, life’s needs and purchases. Working together we will discuss your finance needs and objectives. By taking the time to understand what you are planning to achieve, you will benefit from my advice and research of loans available from our extensive panel of lenders giving you choice and personal service. You will save an enormous amount of time and frustration, I will deal with the banks on your behalf, prepare your loan application for approval and manage the process from start to finish. Following settlement of your loan, you can call on me to advise and guide you for your future lending needs. A client for life is what drives me to exceed your expectations.

03/11/2026

The RBA has raised the cash rate to 4.85%.

With everyday costs already stretching budgets, another rise can feel like a lot.

If you own a home, a loan review could uncover options worth considering.

If you’re planning to buy, checking your borrowing capacity can help you understand what’s manageable.

Get in touch to talk through your next step.

General information only. It does not take into account your objectives, financial situation or needs. Credit is subject to lender approval.

02/11/2026

First time paddle boarding! 🏄‍♂️

Still working on my technique, but at least I managed to stay upright long enough for a photo! 😄

Anyone else given it a go?

30/10/2026

Happy Halloween! 👻

Wishing you a good company and the best lollies in the bowl.

29/10/2026

RBA announcement making headlines? Here’s the part that often gets missed. 📰
A cash rate decision isn’t a notice that your home-loan repayment changes overnight.

Your lender decides whether, when and how to adjust its variable rates. If your loan is fixed, your rate generally stays the same during the agreed fixed period.

Before getting caught up in the headline, check:
• Is your loan fixed or variable?
• What rate are you actually paying?
• Has your lender confirmed a change and its effective date?
• What would a new repayment mean for your budget?

The headline is one thing. What it means for your own loan is another.

If an announcement has left you scratching your head, send me a question. ☕

28/10/2026

If your business has grown since your latest tax return, you might wonder how that fits into a home loan application.

Some lenders may consider more recent financial information too. What they accept and how they assess it will vary.

A busy few months won’t automatically mean a bigger loan, but it’s worth exploring.

Let’s talk about the documents that could help explain your current position.

General information only. Finance is subject to assessment and lender criteria.

26/10/2026

Found a house you love? 🏡 Now let's make sure the numbers make sense too!
It's easy to get caught up in the excitement of house hunting. The layout, the location, imagining where the furniture would go…

But before getting too attached, it's worth checking what you can comfortably afford, including repayments and those extra costs that come with owning a home.

Because what the bank is willing to lend you and what you're comfortable borrowing aren't always the same thing.

That's where I can help. Let's take the guesswork out of the numbers so you can focus on finding the right home.

Thinking about buying? Let's chat!

23/10/2026

Before trading in, compare what your car is worth with the amount needed to pay off its loan.

A $25,000 trade-in with a $30,000 loan payout leaves a $5,000 gap.

That money still needs to come from somewhere. Don’t assume the new loan will cover it.

Let’s check the old loan before planning the new wheels.

Illustrative example only. General information only. Finance is subject to assessment and lender criteria.

22/10/2026

Ever had a finance question but thought, ‘I should probably know this already’? You don’t need to. 👋
I’m Brendon, aka Brendon the Finance Guy. I live in Ascot Vale and work one-on-one with people across Melbourne (and Australia) who are buying, refinancing or planning their next move.

No call-centre runaround. When you contact me, you’re dealing with me. I take the time to understand what you’re trying to do, explore your lending options and explain the bits that actually matter, minus the jargon.

This page will be a mix of useful home-loan tips, finance updates worth paying attention to and a little local life along the way.

Got a question you’ve been putting off? Send it through. Even the ‘silly’ ones. 🙂

20/10/2026

A lower rate looks good. But how long will it take to cover the cost of switching?

For a simple example: if refinancing costs $2,000 and saves $100 a month, it takes around 20 months to recover those costs.

That’s before allowing for changes in rates, balances or other loan details.

If you’re planning to sell soon, that timing matters.

Let’s check the costs, savings and your plans together.

Simplified illustration only. General information only. Finance is subject to assessment and lender criteria.

14/10/2026

The rent helps pay the loan. Until there’s a gap between tenants.

Loan repayments and property expenses keep coming, even when the property is empty.

Before buying, check how your budget would handle a vacancy, an unexpected repair or both at once.

Let’s look at the borrowing costs with some breathing room built into the numbers.

General information only, not investment or tax advice. Finance is subject to assessment and lender criteria.

Address

Ascot Vale, VIC
3032

Opening Hours

Monday	8:30am - 7pm
Tuesday	8:30am - 7pm
Wednesday	8:30am - 7pm
Thursday	8:30am - 7pm
Friday	8:30am - 7pm
Saturday	9am - 1pm

Telephone

+61416258443

Website

http://brendonharbertbuyerschoice.com.au/

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