Judy Rozsahegyi

Judy Rozsahegyi Mortgage Broker

๐“๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐จ๐Ÿ ๐ซ๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐ฒ๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง?๐Ÿ˜๏ธ Here are 5 common reasons homeowners choose to refinance:1. Secure a lower mor...
16/04/2026

๐“๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐จ๐Ÿ ๐ซ๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐ฒ๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง?๐Ÿ˜๏ธ
Here are 5 common reasons homeowners choose to refinance:
1. Secure a lower mortgage rate.
2. Reduce your loan term.
3. Tap into equity for renovations or pay off debt.
4. Consolidate debt.
5. Or all of the above.
Talk to us about a home loan review and letโ€™s see if refinancing could be the right option for youโ€”because as your circumstances and priorities change, ๐Ÿคฐ๐Ÿฝ๐Ÿ‘ฐ๐Ÿฝโœˆ๏ธ your mortgage should too!

๐”๐ฉ๐ ๐ซ๐š๐๐ž ๐๐จ๐ฐ, ๐๐š๐ฒ ๐‹๐š๐ญ๐ž๐ซโ€”๐–๐ข๐ญ๐ก ๐€๐ฌ๐ฌ๐ž๐ญ ๐…๐ข๐ง๐š๐ง๐œ๐žAsset finance isnโ€™t just for big-ticket items. Itโ€™s a smart way to fund everyda...
15/04/2026

๐”๐ฉ๐ ๐ซ๐š๐๐ž ๐๐จ๐ฐ, ๐๐š๐ฒ ๐‹๐š๐ญ๐ž๐ซโ€”๐–๐ข๐ญ๐ก ๐€๐ฌ๐ฌ๐ž๐ญ ๐…๐ข๐ง๐š๐ง๐œ๐ž
Asset finance isnโ€™t just for big-ticket items. Itโ€™s a smart way to fund everyday business essentials like:
๐Ÿš— Work vehicles (new or used)
๐Ÿ’ป Business tech (laptops, printers, software)
๐Ÿ› ๏ธ Tools or equipment for your trade
If you're eligible, you can start using the asset right away and pay it off over time - freeing up your cash flow from the start.
๐Ÿ’ก Bonus: Some assets may even qualify for a tax write-off. Be sure to chat with your accountant about what you can claim.
Curious whether asset finance could work for your business? Letโ€™s chat.๐Ÿ“ฒ

๐‘๐ž๐š๐๐ฒ ๐ญ๐จ ๐›๐ฎ๐ฒ ๐›๐ฎ๐ญ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐ง๐ž๐ž๐ ๐ญ๐จ ๐ฌ๐ž๐ฅ๐ฅ? ๐ŸกA bridging loan could help you secure your next home before your current one sells...
13/04/2026

๐‘๐ž๐š๐๐ฒ ๐ญ๐จ ๐›๐ฎ๐ฒ ๐›๐ฎ๐ญ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐ง๐ž๐ž๐ ๐ญ๐จ ๐ฌ๐ž๐ฅ๐ฅ? ๐Ÿก
A bridging loan could help you secure your next home before your current one sells.
Itโ€™s a short-term loan - often with interest-only repayments - designed to make the transition smoother and help you avoid missing out on the perfect place ๐ŸŒ‰
Not sure if itโ€™s the right fit for your situation? Letโ€™s chat ๐Ÿ“ฒ

๐’๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐? ๐‹๐ž๐ญโ€™๐ฌ ๐ž๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง ๐จ๐ฉ๐ญ๐ข๐จ๐ง๐ฌGetting a home loan can be harder when your income isnโ€™t the same eve...
09/04/2026

๐’๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐? ๐‹๐ž๐ญโ€™๐ฌ ๐ž๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง ๐จ๐ฉ๐ญ๐ข๐จ๐ง๐ฌ
Getting a home loan can be harder when your income isnโ€™t the same every month, but thatโ€™s exactly where a broker makes life easier.๐Ÿ˜‡

I can help:
โ€ข present your income clearly to lenders, even if it fluctuates
โ€ข explain add-backs and business expenses to lenders
โ€ข find lenders who understand self-employed income

If you're thinking about buying or refinancing this year, chatting to me first can save you a lot of time (and stress). Reach out๐Ÿ“ฒ, I'm here to help.

๐‹๐จ๐จ๐ค๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐š ๐ง๐ž๐ฐ ๐ฌ๐ž๐ญ ๐จ๐Ÿ ๐ฐ๐ก๐ž๐ž๐ฅ๐ฌ?๐Ÿš˜Dreaming of a shiny new car this year? Whether itโ€™s a sporty ride ๐ŸŽ๏ธ, trusty ute ๐Ÿ›ป, or ...
08/04/2026

๐‹๐จ๐จ๐ค๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐š ๐ง๐ž๐ฐ ๐ฌ๐ž๐ญ ๐จ๐Ÿ ๐ฐ๐ก๐ž๐ž๐ฅ๐ฌ?๐Ÿš˜
Dreaming of a shiny new car this year? Whether itโ€™s a sporty ride ๐ŸŽ๏ธ, trusty ute ๐Ÿ›ป, or family SUV ๐Ÿš™, weโ€™ll help make it happen!
Donโ€™t settle for any loan - weโ€™ll negotiate with 50+ lenders to try and find the perfect fit for your budget and wishlist. Message me today๐Ÿ“ฒ for hassle-free car finance.

๐Ÿ  ๐Ž๐ฏ๐ž๐ซ ๐ซ๐ž๐ง๐ญ๐ข๐ง๐ ?If youโ€™re feeling the pressure of rising rent with little to show for it long term, youโ€™re not alone.Rent...
06/04/2026

๐Ÿ  ๐Ž๐ฏ๐ž๐ซ ๐ซ๐ž๐ง๐ญ๐ข๐ง๐ ?
If youโ€™re feeling the pressure of rising rent with little to show for it long term, youโ€™re not alone.
Rents remain high, vacancy is tight, and while growth has slowed in some areas, affordability is still a challenge.

Property prices have held up in many areas, and while the market varies, waiting can sometimes mean paying more in rent while delaying your next move.

๐Ÿ’ก This is where I can help:
โœ” Work out what you can comfortably afford (not just what banks advertise)
โœ” Build a plan around deposit options, grants and borrowing power
โœ” Compare lenders to find a loan that suits your situation - not a one-size-fits-all rate

Buying isnโ€™t right for everyone, but if youโ€™re thinking about getting out of the rental cycle, itโ€™s worth understanding your options.

๐Ÿ“ฉ Message me to see what buying could look like for you in 2026.

๐‡๐š๐ฉ๐ฉ๐ฒ ๐„๐š๐ฌ๐ญ๐ž๐ซ!๐Ÿฐ๐Ÿซ๐ŸงบWishing a wonderful day to everyone celebrating - may it be filled with sweet treats๐Ÿฌ, quality time with...
04/04/2026

๐‡๐š๐ฉ๐ฉ๐ฒ ๐„๐š๐ฌ๐ญ๐ž๐ซ!๐Ÿฐ๐Ÿซ๐Ÿงบ
Wishing a wonderful day to everyone celebrating - may it be filled with sweet treats๐Ÿฌ, quality time with loved ones, and some well-deserved restโ˜€๏ธ. Enjoy the Easter break!๐Ÿฃ๐Ÿ’

๐“๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐จ๐Ÿ ๐ซ๐ž๐ง๐จ๐ฏ๐š๐ญ๐ข๐ง๐  ๐จ๐ซ ๐š๐๐๐ข๐ง๐  ๐š ๐ ๐ซ๐š๐ง๐ง๐ฒ ๐Ÿ๐ฅ๐š๐ญ?Youโ€™re not alone - I'm seeing more clients explore renovation finance, es...
02/04/2026

๐“๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐จ๐Ÿ ๐ซ๐ž๐ง๐จ๐ฏ๐š๐ญ๐ข๐ง๐  ๐จ๐ซ ๐š๐๐๐ข๐ง๐  ๐š ๐ ๐ซ๐š๐ง๐ง๐ฒ ๐Ÿ๐ฅ๐š๐ญ?
Youโ€™re not alone - I'm seeing more clients explore renovation finance, especially for:
๐Ÿ‘‰ Granny flats & secondary dwellings

Why itโ€™s appealing:
โœ” Potential for additional income
โœ” Keep family close (multi-generational living)
โœ” May increase property value
โœ” Avoid the costs of moving, like stamp duty

How itโ€™s being funded๐Ÿ’ต :
Many clients are using available equity to help fund the build, depending on their situation.

I can help structure:
โ€ข Renovation loans
โ€ข Equity access
โ€ข Construction loans

Every lender treats this differently, so getting the structure right is key.

Thinking about it? Send me a message - happy to walk you through your options and run the numbers.

๐Ÿ’ฐ ๐Œ๐š๐ค๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ž๐ช๐ฎ๐ข๐ญ๐ฒ ๐ฐ๐จ๐ซ๐ค ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ!Thinking about buying an investment property? Your homeโ€™s equity could be the key to get...
31/03/2026

๐Ÿ’ฐ ๐Œ๐š๐ค๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ž๐ช๐ฎ๐ข๐ญ๐ฒ ๐ฐ๐จ๐ซ๐ค ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ!
Thinking about buying an investment property? Your homeโ€™s equity could be the key to getting you there. As a Nectar broker, I can help you understand how much equity youโ€™ve built up - and whether refinancing could help you take the next step. ๐Ÿš€
Letโ€™s explore your options - give me a call ๐Ÿ“ฒ or send me a message today! ๐Ÿ’ป

๐ˆ๐ฌ ๐๐ž๐›๐ญ ๐›๐ซ๐ข๐ง๐ ๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐๐จ๐ฐ๐ง? ๐Ÿ˜’ ๐Ÿ’ณIf high repayments are starting to feel uncomfortable, there may be ways to ease the press...
25/03/2026

๐ˆ๐ฌ ๐๐ž๐›๐ญ ๐›๐ซ๐ข๐ง๐ ๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐๐จ๐ฐ๐ง? ๐Ÿ˜’ ๐Ÿ’ณ
If high repayments are starting to feel uncomfortable, there may be ways to ease the pressure. Depending on your situation, we can explore options like:

๐Ÿ”น Consolidating debt through a home loan refinance
๐Ÿ”น Using available home equity
๐Ÿ”น Comparing personal loans with more manageable repayments

Every situation is different, so itโ€™s worth understanding your options before making any decisions.

Reach out ๐Ÿ“ฒ if youโ€™d like to chat about what might work for you.

๐ˆ๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ฑ๐ž๐ ๐ซ๐š๐ญ๐ž ๐š๐›๐จ๐ฎ๐ญ ๐ญ๐จ ๐ž๐ฑ๐ฉ๐ข๐ซ๐ž? โŒ› If youโ€™re coming off a fixed rate soon, getting organised early can make all the...
24/03/2026

๐ˆ๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ฑ๐ž๐ ๐ซ๐š๐ญ๐ž ๐š๐›๐จ๐ฎ๐ญ ๐ญ๐จ ๐ž๐ฑ๐ฉ๐ข๐ซ๐ž? โŒ›
If youโ€™re coming off a fixed rate soon, getting organised early can make all the difference. Itโ€™s worth checking in a few months beforehand so we can explore your options ๐Ÿ”๐Ÿ“‘
Should you lock in a new fixed rate ๐Ÿ” or move to variable and stay flexible? Both have pros and cons โ€” what matters most is what suits your situation.
Reach out anytime ๐Ÿ“ฒ and letโ€™s chat through the best path forward.

I absolutely love receiving photos like these ๐Ÿกโœจ. These amazing clients, Jacob & Brooklyn have just moved into their bra...
24/12/2025

I absolutely love receiving photos like these ๐Ÿกโœจ. These amazing clients, Jacob & Brooklyn have just moved into their brand new owner-occupied home (new construction), and by the looks of it, their dog is settling in just as well as they are ๐Ÿถ๐Ÿ’™

What makes this journey extra special is that they are a young married couple in their early 20s. When we first started their home-buying journey in April this year, they had a newborn baby, big dreams, and a goal of creating a secure future for their family. ๐Ÿคฑ๐Ÿ‘จโ€๐Ÿผ

By utilising the First Home Owner Grant and the First Home Guarantee, they were able to purchase their dream home with only a 5% deposit โ€” something many people still donโ€™t realise is possible.๐Ÿ‘ˆ๐Ÿ’ฏ

This is a perfect example of how the right guidance, the right strategy, and government support can turn homeownership into a reality. ๐Ÿ 

If youโ€™re wondering whether buying your first home is achievable, even with a small deposit, feel free to reach out โ€” you might be closer than you think. ๐Ÿก










Address

Balaclava, VIC
3186

Opening Hours

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

Telephone

+61423952825

Website

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