Gurneet Bhatia - Mortgage Broker

07/05/2026

Set your home loan on auto pilot.

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07/05/2026

If you are planning to buy a new home, possibly selling your current one at the same time, this is the best order to organise things.

1) Get a Free Property Valuation from us.

You will get a written notice from a professional valuation firm.

If you are selling this can come in very handy during negotiations with buyers. It will also guide you in setting a price with the real estate agent who is selling your home (or if you plan to sell it yourself).

If you plan to keep your current home and rent it out you will now know its rental value and how much equity you have.

Tip: For a quick assessment, a useful tool is to do a �Sold� search on RealEstate.com.au and look at the real price that similar homes around you recently sold for - http://www.realestate.com.au/sold

2) Get your next home loan pre-approved.

A pre-approval lasts for 3 months and doesn�t cost you anything or obligate you to that lender. In most cases you can extend that 3 months by later providing updated income evidence.

Being pre-approved puts you in the strongest possible buying position. A seller is more likely to accept a lower offer if it comes from a buyer who has their finance ready to go.

Also, it ensures you don�t encounter any unexpected problems or delays that could put your new home in jeopardy.

Finally it means you can take some time to get the best deal you can, rather than being rushed to meet a �subject to finance� deadline.

Personally, even as a Mortgage Broker myself with a good understanding of my borrowing potential, I always get pre-approved as soon as I plan to start house hunting.

Tip: To give yourself the best chance of a great home loan, use this checklist: �20 Questions to Ask Your Mortgage Broker�.

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If you plan to sell your home it�s now just a case of waiting for the right offer. Or if you are going to keep it, you are ready to make an offer on the next one.

Any questions, just let me know, that's what I'm here for.https://www.mortgageaustralia.com.au/freeresources.pdf

06/05/2026

Don’t be complacent with your home loan.

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06/05/2026

📈 Is buying an investment property earlier the key to building wealth? 📈

Regrets? One-in-three Aussie investors say they regret not investing earlier. 😬

And perhaps for good reason...

Finder research shows people who started investing in their 30s are 46% wealthier than those who waited until their 40s.

That’s because investment returns can compound over time. 🔄

Just look at property: 45% gains in the last five years alone!

And while past performance is not an indication of future performance, historically speaking, the national property market has delivered consistent long-term growth.🏡

Of course, with all things investment related, it may be worth seeking advice from a financial adviser to consider all your options.

But if you do decide to invest in property, consider contacting us to explore your investment loan options. 👇

To find out more, contact Gurneet on:
☎ – 0413 249 402
💻 – [email protected]
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05/05/2026

If you really want to save money - it might be time to refinance.

Should you refinance?

"My lender is charging me a higher home loan rate than I see advertised elsewhere. Can I change lenders?"

This is exactly the reason why most people change lenders. There may be a penalty clause in your current home loan, meaning you may need to pay a discharge fee, but it could still be in your financial interests to change.

When shopping around it is always important to look for the comparison rate of a product. A comparison rate is essentially the true rate, taking into account the fees and charges you will pay on the loan. So even though you see a lower rate it doesn't mean the repayments are less.

"I have just come off a 'honeymoon' interest rate to a much higher rate. Can I move lenders or am I locked into my mortgage?"

You can walk away from most mortgages, although penalty fees sometimes apply to fixed rate loans.

"If I move my mortgage to a new lender, is there anything stopping that lender from increasing their rates in a few months time?"

It depends what kind of product you have. If you're concerned about rising rates, perhaps you should consider a fixed rate home loan, where repayments are fixed for a period from 1 to 5 years.

"Why do some lenders charge more than others for lending the same amount of money?"

Banks and other lenders pay different amounts for the money they on-lend to you, they have different overhead structures and different profit expectations. All these factors affect how much they charge to lend people money.

"What documentation do I need to refinance?"

The last 3 - 6 months of mortgage statements is sufficient to begin this process. I can advise on other documentation.

05/05/2026

Knowing when and how to get a cheaper interest rate.

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04/05/2026

If you're like me, you've read the occasional newspaper over the past 12 months, and you probably couldn't help noticing that home loans and real estate have been the subject of some serious changes.

So if you think about it, it's possible that your home loan could benefit from a slight update as well. Nothing too serious, but it's probably worth having a look.

You see, you may have a home loan with a lender who has a new or better product. Now they are unlikely to call you and let you know about this, aren't they? Or you may have a fixed rate loan that you can now justify converting back to a variable rate.

So if you're not exactly sure where you stand with your current home loan, why not give me a call and I'll check it out for you.

You can jump on my website and test our debt consolidation calculator to see how much you could save each month just by refinancing or consolidating some of your debt.

It doesn't cost anything to find out if everything is still OK and it usually only takes a few minutes. The least I can do is point you in the right direction, and the privacy act ensures our conversation is entirely confidential.

What do you think?

04/05/2026

🏡 How much do you really need to buy a first home? 🏡

Long gone are the days when you needed to save up a full 20% deposit (plus extra for other expenses!).

These days, you could need a deposit of just 5%, or even 2% if you’re a single parent, to buy a first home. 💰

For a $700,000 first home, a 5% deposit is $35,000.

Better yet, you may also be eligible for stamp duty exemptions/concessions or first home buyer grants.

Don’t forget to factor in other upfront expenses though. ⚠️

Legal fees, home insurance, stamp duty, and furniture removalists can all add up. 📦

Need help crunching the numbers and figuring out how much you could borrow? That's our specialty. 👇

To find out more, contact Gurneet on:
☎ – 0413 249 402
💻 – [email protected]
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04/05/2026

Who should refinance?

Who should refinance?

02/05/2026

Drive away in your dream car with a low cost car loan.