Equity mortgage services

12/11/2025

To save or to pay down your home loan, that is the question. Ok, so it’s not Shakespearean levels of contemplation – but it’s still a big decision facing many Australian families right now.

To save or to pay down your home loan, that is the question. Ok, so it’s not Shakespearean levels of contemplation – but it’s still a big decision facing many Australian families right now. Let’s take a look at what the majority of home owners are leaning toward. A growing number of home own...

12/11/2025

😁 The cash rate may be on hold - but you could still save 😁⁣
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The RBA may have kept rate cuts on ice. 🧊⁣
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But that doesn’t mean home owners should. ⁣
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According to Mozo, after the August rate cut, several lenders made additional reductions to their variable rates. 📉⁣
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Fixed rates have also continued to drop. ⁣
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If you haven’t reviewed your home loan recently, now could be a good time to do so. ⏰⁣
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And with a broker’s help, refinancing can be a simpler process.⁣
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Talk to us to see if switching could help you save on interest on your home loan. 👇⁣
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To find out more, DM us or contact Equity Mortgage Services on:

📞 0422 113 422
💻 [email protected]

10/11/2025

🏡 Property dreams becoming a reality for more first home buyers 🏡⁣
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Great news!⁣
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Falling rates and lower inflation are helping more first home buyers start their home ownership journey. 🙌⁣
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The latest Equifax Consumer Credit Report shows a rise in first-time buyers applying for loans. ⁣
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Mortgage brokers are seeing up to 10% more first home buyer enquiries. ⁣
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While Australians aged 26-35 are most active, Equifax also reports growing interest from buyers aged 18-25. 👏⁣
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It’s all thanks to the range of government support programs available to first home buyers. 🏠⁣
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Call us today to learn more about the helping hands that can get you into a place of your own. 👇⁣
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To find out more, DM us or contact Equity Mortgage Services on:

📞 0422 113 422
💻 [email protected]

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

🎄 Could festive season spending wipeout your first home plans? 🎄⁣
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It’s easy to get swept up in seasonal spending. ⁣
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But going over-board on your credit card or buy-now-pay-later could affect your home loan approval if you're in the market to buy. ⚠️⁣
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That's because lenders often review your recent spending patterns. ⁣
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And overspending can bump up your living costs - and in the worst case - could result in your loan application declined. 🚫⁣
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Here’s one possible fix...⁣
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Resist the temptation to overindulge in the festive frenzy, stick to a sensible budget, and keep your regular savings habits going strong. ⁣
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It can help you sleigh your goal of buying your first home. 🤙⁣
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Talk to us for more first home buyer tips. 👇⁣
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To find out more, DM us or contact Equity Mortgage Services on:

📞 0422 113 422
💻 [email protected]

03/11/2025

🏡 Investors are rolling back into the property market 🏡⁣
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'Investment loans drive growth...' - that’s the word from the Australian Bureau of Statistics, which reports a big jump in investment lending. 📈⁣
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In the June quarter alone, almost $33 billion in new investor home loans were approved, with more than 49,000 Australians borrowing to buy a rental property. 💰⁣
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So, what’s driving investors? 🤔⁣
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Three rate cuts have boosted borrowing power. ⁣
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Property prices could rise further, according to Cotality. 📊⁣
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And demand for rentals remains strong, with SQM Research saying the national vacancy rate is just 1.2%. 🏠⁣
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Talk to us about how you could use your home equity to start your investment property journey - you may not even need a cash deposit saved up.⁣
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To find out more, DM us or contact Equity Mortgage Services on:

📞 0422 113 422
💻 [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

🐶 The price of loyalty has doubled 🐶⁣
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Get this: the average monthly home loan repayment amount has almost doubled in the last ten years.⁣
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It's gone up from $2,214 in 2015 to $4,383 in 2025, in no small part due to rising property values. 📈⁣
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Similarly, the potential interest savings on refinancing has more than doubled to $373 per month, according to Mozo.⁣
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That’s a potential saving of $4,400 each year - just from switching to a new lender.⁣
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Contact us to find out if you could save on interest each month. 👇⁣
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To find out more, DM us or contact Equity Mortgage Services on:

📞 0422 113 422
💻 [email protected]

27/10/2025

😅 Is COMO the new FOMO? 😅⁣
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CoreLogic says home prices could rise 5.8% nationally over the year ahead.⁣
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That’s seeing home buyer FOMO (fear of missing out) evolve into COMO (compromise or miss out), according to Domain.⁣
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A little compromise can sometimes pay off. 🤝⁣
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Opting for an apartment rather than a house, looking a little further out than your preferred suburb, or maybe compromising on the number of bedrooms, could help you find an affordable home that ticks most of your goals. ✅⁣
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It’s about connection, not perfection.⁣
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Call us to find out your borrowing power. It can be the starting point to finding your next home. 👇⁣
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To find out more, DM us or contact Equity Mortgage Services on:

📞 0422 113 422
💻 [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

📚 Good news for university grads buying their first home 📚⁣
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Some banks are beginning to overlook student debt in their borrowing capacity calculations.⁣
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CommBank is excluding HELP debt if you can pay off the balance within 12 months, and apply a lower buffer for those due to repay within five years.⁣
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NAB, meanwhile, says student debt below $20,000 won’t affect borrowing power. 💪⁣
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More lenders are expected to come on board. ⁣
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Contact us to find out if your borrowing power may have changed. 👇⁣
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To find out more, DM us or contact Equity Mortgage Services on:

📞 0422 113 422
💻 [email protected]

20/10/2025

💪 Why it might be time to revisit your borrowing power💪⁣
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A lot has happened since you might've last checked how much you could borrow, including:⁣
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✅ Interest rates have fallen⁣
✅ Stage 3 tax cuts have kicked in⁣
✅ Wages are up (have you got a pay rise?)⁣
✅ Lenders can now overlook HECS-HELP debts.⁣
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Long story short, your borrowing power may now be higher than it was in the past.⁣
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Get in touch to find out if your borrowing power has changed. 👇⁣
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To find out more, DM us or contact Equity Mortgage Services on:

📞 0422 113 422
💻 [email protected]