Sarah Hine - Loan Market.

10/06/2026

👉 The perfect reminder for buyers:
✅ Marry the home you LOVE and can see yourself in long-term
✅ Date the rate - interest rates can change over time and you can always refinance!
✅ Divorce the lease - stop paying rent and start building YOUR future!

Key takeaway: You don’t have to wait for “perfect rates” to buy the right property but you DO need a strategy that matches your goals.

💬 Ready to break up with your landlord and commit to your own home? Or thinking about refinancing your current loan to get a better deal?

Let's chat and explore your options!

05/06/2026

💬 Curious about your options? Got questions about buying, refinancing, or property plans?

✨ Let’s have a FREE Discovery Call - no strings attached, just good guidance.

Sometimes the first step is just having a conversation and I’m here to help you get clear, feel confident, and move forward.

🗓️ Click here to book your FREE call or message me directly: 👉 https://calendly.com/sarah-hine-loanmarket

04/06/2026

💥 Small deposit, big plans!

Got big property goals but not a huge deposit? You may still have options.

Just because your deposit is limited does not mean your plans need to be limited.

We work with lenders who may allow eligible borrowers to purchase with as little as a 5% deposit, depending on the scenario, lender, income, property type and overall application strength.

This could help with:
🏡 Buying your first home
📈 Purchasing your first investment property
🔑 Getting into the market sooner
💰 Understanding deposit, LMI and grant options

If you want to talk strategy, plan ahead and make 2026 your year, send us a DM and let’s get started.

02/06/2026

If you’re planning to buy an investment property, your maximum borrowing capacity may not be what it was a few weeks ago.

Some lenders are now changing how they treat negative gearing in their servicing calculations.

In plain English?

They may no longer give you the same benefit for investment property tax deductions when working out how much you can afford to borrow.

This could impact:

💰 How much you can borrow
🏦 Which lender is right for you
📄 Whether your existing pre-approval still works
⏰ How quickly you need to act before signing a contract

This doesn’t mean investors should panic. It does mean your strategy needs to be checked properly before you buy. 👀

📲 If you’re planning to purchase an investment property this year, let me guide you through the new lending landscape.

29/05/2026

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower interest, simpler repayments, and more room in your monthly budget.

We've put together a quick, no-jargon guide covering:
✅ What debt consolidation actually means
✅ When it might be worth considering
✅ The traps to watch out for
✅ Why structure matters

And if you're thinking about consolidating your debts or just want to simplify your finances, reach out, we're here to help.

Read our quick guide for more 👇
https://broker.loanmarket.com.au/sarah-hine/blog/a-quick-guide-to-debt-consolidation/

27/05/2026

21/05/2026

🚗 Yes, you can refinance your car loan too! Refinancing is not just for your mortgage.

If you have a car loan, personal loan, or dealership finance, it may be worth reviewing whether there’s a better option available.

Why would you refinance a car loan?
✅ Lower your repayments
✅ Pay the loan off sooner
✅ Replace expensive dealership finance
✅ Bundle or consolidate debts
✅ Improve cash flow

The key is understanding the numbers properly, because cheaper repayments are great, but the total cost over the life of the loan matters too.

We can help you compare your options and decide what makes sense!

18/05/2026

🏡 Some things I can help you with:

🔢 Your maximum borrowing capacity - I’ll run your numbers and show you how much you may be able to borrow, including estimated repayments.

💰 Your maximum purchase price - I’ll deep dive into deposit requirements, government grants, stamp duty concessions and LMI waiver options so you know what you can realistically aim for.

🏦 The best lender to match your needs - It’s not just about the lowest rate, you can Google that. It’s about matching you with a lender that suits your income, goals, property type and overall strategy.

🧐 Home loan health check - I’ll review your current home loan to see whether your rate, structure and features are still working for you. A sanity check costs you nothing.

🏘️ Unlocking equity to build wealth - One of my favourite things is helping clients use equity in one property to buy another and build long-term wealth.

14/05/2026

✅Yes, potentially.

This is usually done with a bridging loan, which is a short-term loan that helps you buy your next property before your current property has sold.

Bridging finance can be incredibly helpful, but it’s also one of those areas where lender policy really matters. There are a lot of moving parts!

💡Some important things to understand:

1. Some banks don’t require repayments during the bridging term. They may withhold the payments for the agreed period and make the payments on your behalf, with those payments added to the loan amount.

2. Some banks require interest-only repayments during the bridging period.

3. Your current property will generally need enough equity to support the new purchase, or you may need to contribute extra savings.

4. Some lenders charge a higher interest rate during the bridging period.

5. Some lenders require a signed contract of sale on your existing home before approving the bridging loan, while others may not.

6. Some lenders assess your borrowing capacity on the expected end debt, while others require you to service the total debt during the bridging period.

As you can see, there are plenty of variables and that’s exactly where we come in.

☺️If you’re looking to upgrade and want to buy before you sell, let us help you map out the numbers and the safest strategy for you!

13/05/2026

Feeling the squeeze on your monthly budget? Your bank account shouldn’t be doing cardio every payday 🏃‍♂️.

You don’t have to tackle it alone, we can do the heavy lifting 🏋️‍♂️ by negotiating with your current lender or hunting down a sharper deal that actually suits your lifestyle!

Whether you want more breathing room now or long-term savings that make future-you very happy, a quick chat could potentially save you thousands 💰

Because paying loyalty tax to your lender? Yeah… no thanks 👋😂