Austin McAlpine - Loan Market

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Austin McAlpine - Loan Market Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Austin McAlpine - Loan Market, Mortgage brokers, 2/150 Lakedge Avenue, Berkeley Vale.

Mortgage & Finance Broker | DM to discuss mortgages, commercial and business loans or personal finance, or email at [email protected]

Loan Market Burwood & Berkeley Vale

Reach out, and I’ll do the rest 🤝
19/10/2026

Reach out, and I’ll do the rest 🤝

15/10/2026

4 rate rises this year. Are you paying overs on your home loan? 👀

The RBA has lifted rates 4 times in 2026. That’s a full 1% since January.

On a $1M loan, that’s around $640 more a month than at the start of the year. Over $7,500 a year. 💸

If you haven’t reviewed your loan since then, there’s a good chance you’re paying more than you need to. Banks save their sharpest rates for new customers, not loyal ones.

A quick review costs you nothing and could save you thousands.

📩 DM me or give me a call and I’ll run the numbers for you.

General information only. Based on a $1M, 30-year P&I loan with the full increase passed on.

Buying your first home on one income is harder than it’s ever been. That’s not you doing something wrong, it’s the maths...
13/10/2026

Buying your first home on one income is harder than it’s ever been. That’s not you doing something wrong, it’s the maths.

In the 80s, a home cost roughly 4x the average income. Now it’s over 8x. If you haven’t got a partner to buy with, you’re trying to do on one wage what most people need two for.

It’s harder, but it’s not impossible. Here are the 3 ways I’d look at it:

1. Stay at home and buy an investment first. A tenant helps cover the loan while you keep saving. You can then opt for a property somewhere you may not want to live yourself. Just know it can cost you first home buyer perks later, so run the numbers both ways.

2. Buy with a close friend or sibling. Two incomes, two deposits. Get a co-ownership agreement in writing before you sign anything.

3. Help to Buy. The Government can co-own up to 30% of an existing home with you (40% on a new build), with a 2% deposit and no LMI. Income caps apply, and it has to be the home you live in.

Every situation is different, and the right option depends on your income, your deposit and where you want to be in 5 years. If you’re not sure which one fits, reach out and I’ll help you work out what’s best for you.

General information only. Eligibility criteria, income and price caps apply.

Short and sweet for this 5-star Google review ⭐When someone has money on the line, especially in today’s property market...
12/10/2026

Short and sweet for this 5-star Google review ⭐

When someone has money on the line, especially in today’s property market, communication is key.

I’m proud to be the broker people buzz or flick a text to without hesitation.

Thank you again to my clients, and to everyone who refers people my way, for your trust 🤝

10/10/2026

Who can afford this property? Coming from a mortgage broker 🤔

We considered a first-home buyer couple with 1 child.

Say you purchased it for $1.1m.

- Your loan of 95% would be $1,045,000

- You’d need to contribute $100,000

- Your monthly repayments would be around $6,435.

Watch to the end to see what income could get you a loan this size.

Everyone’s talking about what they’ll lose selling in this market. Hardly anyone’s looking at what they save on the way ...
08/10/2026

Everyone’s talking about what they’ll lose selling in this market. Hardly anyone’s looking at what they save on the way up.

If you’re upsizing, the drop works in your favour. Sell at $1m and buy at $1.5m with both down 7%, and you’ve knocked $35k off the gap you need to borrow.

No one can call where the market goes next. It could turn tomorrow. But while it’s here, the maths sits with upsizers.

Thinking about making the jump? Get your borrowing power sorted before you list so you can move when the right place comes up.

Another 5 Star google review ⭐️My client trusted me to refinance his home loan after we were unable to get a discount wi...
06/10/2026

Another 5 Star google review ⭐️

My client trusted me to refinance his home loan after we were unable to get a discount with his existing lender, in doing so we also accessed some equity to pay a car loan out.

Another great result and happy client!

03/10/2026

Some real-life examples and the borrowing capacity across a few lenders we considered.

Let me know if you want me to run your numbers 📲

Rock always beats scissors 🗿
02/10/2026

Rock always beats scissors 🗿

01/10/2026

If buying your first home was on your mind earlier in the year, when the market was flat out with competition, it should still be on your mind now.

A lot of people backed off because of the negative clickbait in the media. Headlines are written to get clicks, not to help you make a decision, so don’t let them make it for you.

Competition has settled in some areas on the Coast, so you’ll have more time and less pressure, with great properties to choose from.

The right time to buy isn’t about what the rest of the market is doing. It’s when you feel ready.

So the first step is seeing how your numbers stack up: what you can borrow, what your deposit looks like, and what your repayments would actually be. That way you’re not guessing, and when the right place comes up, you’re ready to move.

If it’s been on your mind, send me a message and we’ll run through your numbers 👇

Address

2/150 Lakedge Avenue
Berkeley Vale, NSW
2261

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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