Jai Kerr - Home & Investment Lending Specialist

19/12/2025

My last post for 2025......

Just wanted to say thank you to everyone who's sought my assistance this year. It's been a pleasure helping all of you achieve your goals.

I've helped a whole bunch of first home buyers enter the market, giving them a roof over the head, and stability for their future. No more renting for them! Even better, not one of them paid any Lenders Mortgage Insurance costs. Really pleased with that!!

Overall, I'm really happy with how the year's gone, equalling my previous record year for settlements, so pretty chuffed to finish the year on a high!

I'll be back on 12th January, hopefully well rested, and looking forward to an even bigger 2026.

Thank you everyone, and have a great Xmas and New Year!

18/12/2025

Just following on from yesterday's post...

If anyone's super nervous about being able to manage a possible variable interest rate increase next year, get in touch.

A fixed rate might be a suitable option, but it does have its pros and cons so it's important that the right strategy is put in place, without regret.

Reach out if in need!

Send a message to learn more

17/12/2025

While everyone's been busy Xmas shopping and enjoying Xmas party celebrations, the banks have been quietly increasing home loan fixed interest rates in the background.

They're literally changing overnight, and by as much as 0.55%!

A sign that variable rates could be on an upward trend in the new year.

Two major banks have already predicted that the RBA will increase the cash rate at their February meeting....

04/11/2025

No rate cut today....

30/10/2025

With no interest rate cuts on the horizon for the foreseeable future, now's the time to check in with your bank to see if they can offer you a lower interest rate.

Give them a call, now!

29/10/2025

The quarterly inflation figures have just been released, and, they're much higher than was anticipated.

This news almost guarantees there won't be any rate reduction in November I'm afraid....

28/10/2025

Who knew??

FYI, I'm a Latte kinda guy!

27/10/2025

Did you know you can access the equity in your home to buy a car?

You don't necessarily need to get an actual car loan.

If there's enough equity in the home, using your home equity could be a smarter alternative.

Home Equity To Buy A Car = Home loan interest rates and low fees.

Secured Car or Personal Loan = Higher interest rates and fees.

With the lower interest rates and fees, it could help you to pay the car off much faster.

Book a phone chat to discuss....
https://calendly.com/jaikerr/phone-call

23/10/2025

I've got a whole bunch of customers hitting the auctions this weekend.

They're all pre approved and ready to buy with confidence.

We wish them the very best of luck!!

30/09/2025

Starting today.....

If you weren't eligible before, you probably are now!

25/09/2025

Observing tomorrow's Victorian public holiday in recognition of the Melbourne Storm reaching the preliminary finals once again.

Enjoy your long weekend and see you Monday!

25/08/2025

✅ Big Changes for First Home Buyers – From 1st October!

The government’s first home buyer scheme is getting a huge boost:

🏡 Deposit from just 5% – no need to save the full 20%
💰 Income threshold removed – no more $125k (single) / $200k (couple) cap
📈 Purchase price limits increased – opening the door to more homes in more areas

This means even more opportunities for first home buyers to finally get into the market.

I expect the floodgates will open from 1st October, so if buying your first home is on your mind, now’s the perfect time to chat. Let’s run an assessment of your situation and map out the steps to make it happen!

👉 Send me a message and let’s get you closer to owning your first home.

A scheme to allow all first homebuyers to purchase a property with only a 5 per cent deposit will begin in October, three months earlier than Labor promised at the federal election.