Nectar Mortgages - Stephen Harris

Nectar Mortgages - Stephen Harris Mortgages that work. Relationships that last. Seeking you the sweetest home loans and caring for your financial needs into the future.

During his 20+ years in the finance and mortgage sector, Stephen has assisted more than 1000 clients to purchase their own homes and grow their investment portfolios. Yet, even after all those years and all those deals, he still gets huge satisfaction from making things happen for his clients โ€“ especially when theyโ€™ve had problems securing finance elsewhere.

Happy Kingโ€™s Birthday! ๐ŸŽ‰๐Ÿ‘‘ For those enjoying a day off, I hope you have a lovely, relaxing day๐Ÿ›Œ๐Ÿ’…๐Ÿšดโ€โ™‚๏ธ๐ŸŒ๏ธโ€โ™€๏ธ
07/06/2026

Happy Kingโ€™s Birthday! ๐ŸŽ‰๐Ÿ‘‘
For those enjoying a day off, I hope you have a lovely, relaxing day๐Ÿ›Œ๐Ÿ’…๐Ÿšดโ€โ™‚๏ธ๐ŸŒ๏ธโ€โ™€๏ธ

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

๐Ÿ  ๐Ž๐ฏ๐ž๐ซ ๐ซ๐ž๐ง๐ญ๐ข๐ง๐ ?
If you're feeling the pressure of rising rent with little to show for it long term, you're not alone.

Rental markets remain tight across much of Australia, and affordability continues to be a challenge for many households.

While property market conditions vary from area to area, understanding your borrowing capacity and home ownership options can help you make informed decisions about your next move.

๐Ÿ’ก This is where I can help:
โœ” Work out what you can comfortably afford โ€“ not just what a lender may be willing to lend.
โœ” Explore deposit options, government schemes and grants that may be available to you.
โœ” Compare lenders and loan options to find a solution that suits your circumstances.

Buying isn't the right choice for everyone, but if you've been wondering whether home ownership could be within reach, it's worth exploring your options.

๐Ÿ“ฉ Send me a message to explore your options and understand what steps may be involved in buying a home.

๐‹๐จ๐จ๐ค๐ข๐ง๐  ๐ญ๐จ ๐›๐ฎ๐ข๐ฅ๐ ๐ฒ๐จ๐ฎ๐ซ ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ฉ๐จ๐ซ๐ญ๐Ÿ๐จ๐ฅ๐ข๐จ?The right investment loan structure can help support your long-term property go...
30/05/2026

๐‹๐จ๐จ๐ค๐ข๐ง๐  ๐ญ๐จ ๐›๐ฎ๐ข๐ฅ๐ ๐ฒ๐จ๐ฎ๐ซ ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ฉ๐จ๐ซ๐ญ๐Ÿ๐จ๐ฅ๐ข๐จ?
The right investment loan structure can help support your long-term property goals.

At Nectar Mortgages, I help investors explore:
๐Ÿก Equity access options
๐Ÿ“ˆ Investment loan structures
๐Ÿ’ฐ Deposit strategies
๐Ÿ”‘ Rentvesting options

Whether youโ€™re purchasing your first investment property or planning your next move, Iโ€™ll help you understand your lending options and try to find a solution tailored to your needs.

๐Ÿ“ฉ Message me to chat about your investment goals.

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...
28/05/2026

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.

With interest rates, living costs and the economy continuing to shift, many people are reviewing their finances and maki...
28/05/2026

With interest rates, living costs and the economy continuing to shift, many people are reviewing their finances and making sure their loan still suits their needs and goals.๐Ÿฅ…
Sometimes a few small adjustments can make a real difference.๐Ÿ™‚
If youโ€™d like to chat through your options and see what may work better for your situation, Iโ€™m here to help.๐Ÿ“ฒ

๐๐ฎ๐ฒ๐ข๐ง๐  ๐š๐ญ ๐š๐ฎ๐œ๐ญ๐ข๐จ๐ง? ๐†๐ž๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž ๐ฌ๐จ๐ซ๐ญ๐ž๐ ๐Ÿ๐ข๐ซ๐ฌ๐ญ.Auctions move fast๐Ÿƒ๐Ÿฝ, and if youโ€™re the winning bidder, the contract is...
20/05/2026

๐๐ฎ๐ฒ๐ข๐ง๐  ๐š๐ญ ๐š๐ฎ๐œ๐ญ๐ข๐จ๐ง? ๐†๐ž๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž ๐ฌ๐จ๐ซ๐ญ๐ž๐ ๐Ÿ๐ข๐ซ๐ฌ๐ญ.
Auctions move fast๐Ÿƒ๐Ÿฝ, and if youโ€™re the winning bidder, the contract is usually unconditional. That means your finances should be organised before auction day๐Ÿ—“๏ธ.

โ–ถ๏ธ Hereโ€™s how I help you prepare:

โœ” Secure pre-approval so you know your borrowing power.
โœ” Set a clear budget so you can bid with confidence.
โœ” Understand the auction process, deposits and timelines.
โœ” Move quickly after the auction to finalise your loan.

Thinking about bidding? Donโ€™t wait until auction day.

๐Ÿ“ž Call me today or ๐Ÿ“ฉ send a message to get started.

๐Ÿ’ผ๐Š๐ž๐ž๐ง ๐ญ๐จ ๐ ๐ซ๐จ๐ฐ ๐ฒ๐จ๐ฎ๐ซ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ? Whether you're eyeing new equipment, hiring staff, or just need a cashflow boost๐Ÿš€, the righ...
18/05/2026

๐Ÿ’ผ๐Š๐ž๐ž๐ง ๐ญ๐จ ๐ ๐ซ๐จ๐ฐ ๐ฒ๐จ๐ฎ๐ซ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ?
Whether you're eyeing new equipment, hiring staff, or just need a cashflow boost๐Ÿš€, the right business loan could make a real difference. And thatโ€™s where I come in. ๐Ÿ™‹โ€โ™‚๏ธ
I can help you explore your options, figure out what suits your goals, and take the guesswork out of the process.
๐Ÿ“ฉ Flick me a message or give me a call - always happy to help.

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...
14/05/2026

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ƒ๐ž๐›๐ญ ๐ฉ๐ข๐ฅ๐ž๐ ๐ก๐ข๐ ๐ก?๐Ÿ˜ฌ Credit cards, personal loans, or Buy Now Pay Later repayments weighing you down? ๐Ÿ‹๐Ÿฝ With the EOFY fast...
14/05/2026

๐ƒ๐ž๐›๐ญ ๐ฉ๐ข๐ฅ๐ž๐ ๐ก๐ข๐ ๐ก?๐Ÿ˜ฌ
Credit cards, personal loans, or Buy Now Pay Later repayments weighing you down? ๐Ÿ‹๐Ÿฝ With the EOFY fast approaching, nowโ€™s a great time to tidy up your finances ๐Ÿงน.
Debt consolidation could help simplify your repayments and even reduce your monthly costs.
โ—But remember, itโ€™s not a one-size-fits-all solution ๐Ÿ‘—. What works for one person may not suit another.
๐Ÿ‘‰ Want to see if itโ€™s right for you? Letโ€™s have a no-obligation chat and weigh up the pros and cons โš–๏ธ

๐’๐ฆ๐š๐ซ๐ญ s๐ญ๐ž๐ฉ๐ฌ ๐Ÿ๐จ๐ซ ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ๐Ÿชœ Looking to grow your property portfolio? I can help you navigate your finance option...
12/05/2026

๐’๐ฆ๐š๐ซ๐ญ s๐ญ๐ž๐ฉ๐ฌ ๐Ÿ๐จ๐ซ ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ๐Ÿชœ

Looking to grow your property portfolio? I can help you navigate your finance options by:

โ€ข Comparing multiple lenders for suitable investment loan options.
โ€ข Guiding you through deposit structures and LVR considerations.
โ€ข Helping you understand how equity may be used across existing properties.
โ€ข Providing ongoing support throughout your property journey.

Whether itโ€™s your first investment property or youโ€™re expanding your portfolio, I help make the lending process clearer and easier to navigate.

๐Ÿ“ž Get in touch for a chat about your investment lending options.

Address

4/33 Orient Street
Batemans Bay, NSW
2536

Opening Hours

Monday 9am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 9am - 5:30pm

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