Troy McErvale. Mortgage Broker

14/01/2026

With widespread and disastrous fire conditions across the State, it can be a challenging time for some.

For those effected with a mortgage, disaster relief support is most likely available from your existing lender. This might mean temporarily waiving monthly loan repayments or a temporary restructuring of your existing loan.

Enquire with your bank directly, or reach out and I'll help where I'm able.

01/05/2025

If you are even remotely concerned about the price of housing, whether it be to purchase or rent, then you will not vote for the Greens or the Labour Party in this election.

I've studied their policies in detail. They are a disaster. The result will be more landlords selling, and thus less rental properties available. Less properties = greater levels of unaffordability.

Continued high levels of immigration causing higher demand when there is less housing available.

This will result in higher levels of taxation, including the introduction of new taxes.

The longer term effects of this is that less people will not be able to support themselves in retirement, which will in turn place more pressure on the government for financial support in older age.

Where will that money come from?

31/05/2024

Interested in a cosy Winter getaway to the Victorian coast?

🏠 Costal Views on the Esplanade
📍Indented Head - 7 Minutes from Portarlington
Are you looking for a peaceful get away by the beach? Send us a message today to unlock a discount deal for this incredible property!

airbnb.com.au/h/coastalviewonesplanade

03/01/2024

Happy New Year to you all! We are excited to get back into the swing of things after lots of food, wine and laughs.
We have some exciting things happening across Victoria coming into the next few months and cant wait to share it with you all!
Thank you so much for all your on going support, and more importantly to our team who make it all happen!

Looking for Short term rental management? Get in contact with us today!

25/07/2023

With interest rates at some of the highest levels in the past decade, borrowers are experiencing more difficult circumstances in successfully obtaining a mortgage they seek.

So I have prepared 5 tips that might help:

1. Buy a property in a more affordable location

2. Buy a lower priced property

3. Decrease your discretionary spending to low levels

4. Eliminate all debts

5. Increase your income (a longer term strategy admittedly)

10/06/2023

07/03/2023

Are the banks profiteering at your expense?

Record profits but banks still lift mortgage rates beyond RBA moves Despite making record profits, two of Australia's largest banks have ignored the Reserve Bank official cash rate and lifted their lending rates for their increasingly stressed borrowers.

28/02/2023

30/12/2022

Don't these rates look good now!

There are still fixed rates under 5% if you look hard enough.

I have never seen anything like this.

1 year fixed rates from 2.19%
2 year fixed rates from 2.09%
3 year fixed rates from 2.14%
Variable rates from 2.80%

If you are paying 4%, then you are losing at least $1,200 per year for every $100K you have borrowed.

It is simply extraordinary.

25/08/2020

Business loans secured by real estate.

2.49% variable rate.

No tax returns required. Just BAS statements for the last 12 months. For loans under $1.0m only.

Obviously, there are other requirements - but I'm happy to answer any questions you might have.