HMC Lending

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HMC Lending Family-owned mortgage brokers passionate about helping you achieve your property goals. I hold a diploma in mortgage broking and have access to over 60 lenders.

We make the lending process simple, provide honest advice you can trust, and support you every step of the way. I am a dedicated mortgage broker at Loan Market with 4 years of experience in finance, I am based in Bendigo and have a young family. I specialize in residential home loans, whether you are looking to purchase your first home, refinance, construct, buy your next home or an investment property. I can also help with Personal loans, Business loans, Asset Finance, Commercial and Car loans. This broad network allows me to find the best possible solutions tailored to my clients' needs and make it a smooth process, with your best interest at heart and a commitment to exceptional service. I am committed to helping clients near and far to achieve their homeownership goals now or into the future.

30/09/2026

🩺 3 Signs Your Home Loan Needs a Health Check

When was the last time you actually reviewed your mortgage?

Your home loan could be due for a check-up if any of these sound familiar 👇

1️⃣ You haven’t reviewed your loan in two years or more.
A lot can change in two years - rates, lenders, property values and your own financial position.
2️⃣ Your lender has changed your interest rate several times… and you’re not even sure what you're paying anymore. You’re definitely not alone.
3️⃣ Your financial position has improved since you first borrowed.
Maybe your income is higher, you have more equity or you’ve reduced other debts.
That could mean more lending options are available to you now.

🏦 A home loan health check doesn’t automatically mean refinancing.

My first step can be to negotiate with your existing lender and see what they’re prepared to offer.

If that’s not competitive, we can compare the alternatives and work out whether moving lenders is actually worthwhile.

📩 Want to know how healthy your home loan is? Send us a email and let’s take a look.

29/09/2026

🚨The RBA has meet again - passing on another Rate Rise! 🚨

What does it mean for you?

If you have a home loan, the RBA's decision affects your interest rates, repayments, and borrowing power!

Its a good time to review your mortgage and make sure you're still on a competitive rate.

🏡 Not sure what the decision means for your loan? Send us a message and we can help you understand your options.

💥 The Secret Power of Pre-Approval Did you know a significant number of properties can change hands before ever being pu...
24/09/2026

💥 The Secret Power of Pre-Approval

Did you know a significant number of properties can change hands before ever being publicly advertised? 👀

That means buyers who already have their finance organised and are speaking with local agents can sometimes hear about opportunities before everyone else.
And that’s where a strong pre-approval can help.

Why pre-approval matters:
💪 Shows you’re serious
⏱ Can make the buying process faster
🏡 Helps you understand your realistic price range
🔥 Can put you in a stronger position when the right property appears'

⚠️ But not all pre-approvals are created equal - Some may be system-generated and completed without a full credit assessment.

That’s why it’s important to understand exactly what your pre-approval means and what conditions still apply.

👩‍💻 Our job is to help you choose the right lender, prepare your application properly and give you the confidence to make an offer when the right property comes along.

Want to Give Your Credit Profile a Glow-Up?Your credit score is a bit like your financial reputation.And when it comes t...
22/09/2026

Want to Give Your Credit Profile a Glow-Up?

Your credit score is a bit like your financial reputation.
And when it comes to applying for finance, a stronger credit profile can mean more lender options.

Here are a few ways to look after it:
✨ Pay on time - bills, loans and other commitments.
✨ Maintain employment stability where possible.
✨ Reduce credit card limits and balances and consider closing cards you no longer need.
✨ Be careful with new credit enquiries, including BNPL, personal loans, car finance and multiple pre-approvals.
✨ Keep your accounts in the green, avoid exceeding limits or missing repayments.

📈 A healthier credit profile can mean more options when it’s time to borrow.

Want to understand where you stand before applying? Message us to chat.

💸 Are You Paying the Loyalty Tax?Sticking with the same lender could be costing you thousands over the life of your mort...
15/09/2026

💸 Are You Paying the Loyalty Tax?

Sticking with the same lender could be costing you thousands over the life of your mortgage.

With interest rates changing, refinancing isn't always straightforward but there may still be options available.

As your broker, I'll look at your whole financial picture and help you:

🏦 Negotiate a better rate with your current lender.
🔎 Compare your loan with other lenders.
💰 See if refinancing could genuinely save you money.

📩 Send me a DM to book a home loan review and make sure loyalty isn't costing you.

Your property journey is yours 🏡Whether you're buying your first home, investing, building, or looking for more space fo...
14/09/2026

Your property journey is yours 🏡

Whether you're buying your first home, investing, building, or looking for more space for your growing family - everyone's journey looks different.

Stop comparing where you are to everyone else, and start focusing on what works for you.

At HMC Lending, we help you understand your options, your borrowing power, and the best path to reach your goals.

✨ Ready to get started? Let's chat and make your next move a little clearer.

🏡 How Guarantor Loans Work - aka the Bank of Mum & Dad 😉Don’t qualify for a government guarantee scheme or an LMI waiver...
09/09/2026

🏡 How Guarantor Loans Work - aka the Bank of Mum & Dad 😉

Don’t qualify for a government guarantee scheme or an LMI waiver?

You may still have another option to help you avoid LMI and get into the property market sooner: a parental guarantor loan. 🚀

Here’s how it can work:
✨ Your parents or another eligible close family member, use some of the equity in their property to support your loan.
✨ This can mean you don’t need the full 20% deposit.
✨ And potentially, you can avoid the additional cost of LMI. 💸

If you’re wondering whether a guarantor loan could help you get into your new home sooner, let’s chat and see whether it could work for you.

😂So why use a mortgage broker instead?✨ We have access to 30+ lenders, not just one.✨ Our job is to understand you, your...
07/09/2026

😂So why use a mortgage broker instead?

✨ We have access to 30+ lenders, not just one.
✨ Our job is to understand you, your goals, your needs and even your quirks and then match your situation with the right lender and lending policy.
✨ Because it’s about way more than just the interest rate. It’s about finding the lender that actually says YES to your scenario.

Think of us as your mortgage matchmaker 💘

💰 Offset vs Redraw, what’s the real difference?They both help reduce interest, but they’re not created equal:🔹 Offset Ac...
26/08/2026

💰 Offset vs Redraw, what’s the real difference?

They both help reduce interest, but they’re not created equal:

🔹 Offset Account = Works like a regular bank account that sits alongside your home loan. Every dollar sitting in there offsets your loan balance, meaning you pay less interest, daily.

🔹 Redraw Facility = Gives you access to the extra repayments you’ve made on your loan but often with conditions, delays, or limits.

🚨 Choosing the right one depends on how you manage your money.

Need flexibility? Want to maximise savings?

Let’s unpack it together and make sure your loan works smarter for you.

Address

Bendigo, VIC
3556

Telephone

+61488614831

Website

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