Aussie Home Loans - Elisha Duncan

09/06/2026

🏡 3 Things Every First Home Buyer Needs to Know

Buying your first home can feel overwhelming, but knowing these three things upfront can save you time, stress and potentially thousands of dollars.

✅ Your deposit doesn’t increase your borrowing power
A larger deposit can reduce your loan amount and help avoid Lenders Mortgage Insurance (LMI), but your borrowing capacity is mainly based on your income, expenses and existing debts.

✅ The real estate agent works for the seller
Their job is to achieve the best outcome for the vendor. That’s why it’s important to have your own team supporting your interests throughout the process.

✅ Your mortgage broker, conveyancer and buyer’s agent work for YOU
These professionals are there to guide you, answer your questions, protect your interests and help make the process as smooth as possible.

The biggest mistake I see? Waiting until you’ve found a property before getting advice.

📞 If you’re thinking about buying your first home, let’s have a chat before you start house hunting. I’ll help you understand your options, your borrowing power and the steps involved so you can buy with confidence.

Elisha Duncan
📍 Belmont NSW 2280
☎️ 0488 249 924
📧 [email protected]

02/06/2026

💬 Things I hear every week as a mortgage broker…

“I thought I’d never get approved.”
“I didn’t know brokers had access to multiple lenders.”
“I wish I spoke to you sooner.”

Honestly, these conversations happen more often than you might think.

Many people spend months (sometimes years) assuming they won’t qualify for a home loan, that refinancing isn’t worth it, or that they have no options available.

The reality?
🏡 Every lender has different policies.
💰 Borrowing power can vary significantly.
📋 What one lender says no to, another may say yes to.

That’s why speaking with a broker early can make such a difference.

Even if you’re not ready to buy tomorrow, understanding your position today can help you create a plan for the future.

The worst outcome? You leave with more clarity.
The best outcome? You realise you’re much closer than you thought.

Thinking about buying, refinancing or just wanting to know where you stand?

📩 Send me a message or book a free chat.
💜 Elisha Duncan
Mortgage Broker
Aussie Belmont
☎️ 0488 249 924
📧 [email protected]

29/05/2026

🚨 3 THINGS REDUCING YOUR BORROWING POWER RIGHT NOW

Think you should be able to borrow more?
These 3 things could be quietly reducing your borrowing power 👇

👶 Dependants
The more people you financially support, the more lenders assume you’ll spend each month on living expenses.

💳 Credit Card & Personal Loan Limits
Even if your credit card has a $0 balance, lenders assess the limit, not just what you owe. A card you never use could still be impacting your borrowing capacity.

🚗 Existing Debts
Car loans, personal loans, HECS/HELP debt, Buy Now Pay Later accounts and other commitments can all affect how much a lender is willing to lend.

⚠️ The biggest surprise? Many people don’t realise they’re reducing their borrowing power until they’ve already found a property they love.

The good news? Sometimes a few simple changes can make a significant difference.

Thinking about buying, refinancing or wanting to know where you stand?

📩 Send me a message or book a free chat.

💜 Elisha Duncan
Mortgage Broker
Aussie Belmont
☎️ 0488 249 924
📧 [email protected]

26/05/2026

Mortgage Broker Confession 👇

I genuinely don’t care what car is in your driveway, what suburb you live in, or whether you think your situation is “good enough” to ask questions.

What I DO care about is whether your home loan still fits your life.

Because the loan you took out 2, 5 or even 10 years ago may not suit where you are now.

Maybe:
🏡 Your income has changed
👶 Your family has grown
📈 Interest rates have moved
💰 Your expenses look different
🔄 You haven’t reviewed your loan in years

Sometimes a quick review can uncover options people didn’t even realise they had.

And sometimes? It simply gives peace of mind that you’re already in the right place.

Either way, knowing is better than guessing.

If you’ve been wondering whether your current loan still stacks up, book a free chat with me 💜

📍 Aussie Belmont
📧 [email protected]
☎️ 0488 249 924
🔗 Link in bio to book

18/05/2026

There’s never a “perfect time” to look at your finances… but waiting can sometimes cost more than people realise.

Whether you’re:
🏡 Buying your first home
🔑 Looking to refinance
💰 Wondering if your current rate is still competitive
📈 Thinking about investing
🤔 Or simply wanting to understand your options better

I’m here to help make the process easier, clearer and a little less overwhelming.

No pressure. No jargon. Just real conversations and tailored advice to your situation.

✨ Ready to chat? Book an appointment with me below:

📍 Book online: https://go.aussie.com.au/aussie_elisha_d-ca81-book-an-appointment
📧 [email protected]
📱 DM me directly on Instagram
🏠 Aussie Belmont | Elisha Duncan

Sometimes one appointment is all it takes to create a plan and move forward with confidence.

18/05/2026

🏡 FIRST HOME BUYERS
Before you start scrolling listings… read this.

Buying your first home can feel exciting… and overwhelming all at once.
Saving a deposit.
Understanding borrowing power.
Government schemes.
Choosing the right loan.
Wondering “Can I actually afford this?”

You do not need to figure it all out alone. 🤍

As a mortgage broker (and someone who talks to first home buyers every single week), my job is to make the process simpler, explain your options clearly, and help you feel confident before making big decisions.

The biggest mistake I see?
👉 Waiting until you’ve found a property before getting advice.

Getting pre-approved early can help you understand:
✔️ What you can borrow
✔️ Deposit options (sometimes less than you think)
✔️ Grants or schemes you may qualify for
✔️ Your realistic budget before falling in love with a home

If buying your first home is on your vision board for 2026, now is the time to start planning.

📩 DM me “FIRST HOME” or book a free appointment via the link in my bio and let’s chat about your options.
No pressure. No silly questions. Just support.

✨ Your first home journey starts with one conversation.

📧 [email protected]
☎️ 0488 249 924

15/05/2026

⭐️ Only around 27% of mortgage brokers in Australia are women. ⭐️
That means in an industry helping Australians make some of the biggest financial decisions of their lives… women are still heavily underrepresented.

As a woman in mortgage broking, a mum, and someone building a career around helping families create better futures, I know firsthand the value women bring to this industry.

We lead with empathy.
We listen.
We educate.
We build relationships.
We understand juggling family, work, finances and life… because many of us live it every day.

Mortgage broking isn’t just numbers and loans. It’s people. It’s trust. It’s guiding someone through one of the biggest moments of their life.

I’d love to see more women step into this space. More women building businesses. More women creating flexibility. More women becoming financially independent. More women sitting at decision-making tables.

The industry needs diversity.
The industry needs fresh perspectives.
The industry needs more women.

If you’ve ever thought about mortgage broking, consider this your sign 💜

To the women already in finance and broking: keep showing up, keep leading and keep making space for those coming behind you.

Because representation matters. ❤️

13/05/2026

08/05/2026

“How much can I borrow?”
It’s one of the biggest questions I get asked… and the answer is rarely as simple as an online calculator 👀

Because your borrowing power isn’t just about your income.
It’s about your goals, your lifestyle, your future plans and finding the RIGHT loan strategy to suit you.

That’s where I come in 🤝

Whether you’re:
🏡 Buying your first home
🔑 Upgrading
💰 Investing
🔄 Refinancing
👨‍👩‍👧‍👦 Trying to make it all work with family and life expenses

I’ll guide you through the process from start to finish, explain everything in simple terms, and help you feel confident every step of the way.

No confusing jargon. No pressure.
Just genuine support, honest advice, and someone in your corner who truly cares about the outcome 🫶

The best part?
My service comes at no cost to you.

📩 Send me a message and let’s chat about what’s possible for you.
You might be closer than you think. ✨
Elisha Duncan
📧 [email protected]
📞 0488 249 924