Gurneet Bhatia - Mortgage Broker

10/09/2026

Fixed rate home loans - are you paying a fortune for peace of mind?

Are you a planner? Do you like to organise things in advance, and enjoy the security of knowing what the future holds in store? Do you take a comprehensive list with you to the supermarket?

Well a fixed rate loan might be your perfect fit. Fixed rate loans are:

Great for managing a tight budget...

Fixed rate loans are an excellent option for anyone who is operating on a very tight budget. If an extra fifty dollars per week would mean choosing whether to feed your children, or put petrol in the car - this is probably the loan for you.

Great for peace of mind...

If you opt for a fixed rate loan, you will know exactly how much your repayments will be for the duration of the fixed period. Many lenders offer up to 10 years on their fixed rate loans, so this could give you substantial peace of mind.

Fixed rate loans can save you money...

If interest rates increase during the time when your rate is fixed, you will be immune. When everyone else is complaining about having to give up their daily coffee, you're safe in the knowledge that your repayments aren't going to change.

On the flipside though...

You will forfeit your chance to pay a reduced interest rate if the Reserve Bank rate is lowered. When other borrowers are enjoying a well-earned reprieve, you will still be making the same repayments. This can represent a significant cost to you if interest rates drop by half a percent or more.

Less flexibility

If you choose to fix your rate, you get security at the expense of flexibility. You probably won't be able to change the features of your loan during the fixed period, and most lenders don't allow you to make any lump-sum repayments when your rate is fixed.

It's critical that you take the time to research the different loan options available to you, and ask plenty of questions to ensure that the loan you choose is the best option for you. For many borrowers, fixed rate loans are an excellent choice to help you manage your budget and plan for the future.

10/09/2026

What is line of credit?

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10/09/2026

🌟Grateful for an Amazing Buyer from Gosnells! 🎉

A huge thank you to the buyer for their kind words and trust in our services! 🤝
Helping our buyer find their perfect home was an absolute pleasure. 🏡✨

If you're looking to buy or sell, I’d love to help you navigate the market with confidence.
Let’s make your property dreams a reality! 💙

Here’s what the buyer had to say:

09/09/2026

How to retire before you turn 40...

Have you ever wondered how some people manage to retire at such a young age? Have you heard stories about people creating wealth through property investment but you don't really know how they manage to do it?

Well, meet Lisa. Lisa is 32 years old, and she has a property portfolio that's already worth about $2.1million. She has a pretty good job - as a photographer for a bridal magazine, but she certainly doesn't earn a six-figure salary.

So how did she manage to achieve so much at such a young age? It all started when Lisa was 25 years old and she bought her first property. Lisa applied for a loan to purchase a modest 2 bedroom unit in a block of four. She paid $230k back in 2007, and within a few short years she was on her way to an excellent collection of investment properties, all achieving strong growth and producing a good rental return.

Here is the timeline:

2007- Purchased Property A - 2 bedroom unit. Purchase price - $230k

2009 - Property A valued at $320k. Used the equity to purchase another unit

2009 - Purchased Property B - 3 bedroom unit. Purchase price - $310k

2011 - Property A valued at $350k, Property B valued at $420k. Used equity to purchase a house

2011 - Purchased Property C - 3 bedroom house on 800m2. Purchase price - $405k

2013 - Property A valued at $390k, Property B valued at $460k, Property C valued at $580k (after $40k renovations) used equity to purchase another house

2013 - Purchased Property D - 3 bedroom house on 700m2. Purchase price $450k.

Today - Total value of all properties is $2.1million.

If you've been thinking about investing in property, there's no time like the present. A reputable Mortgage Broker can help you work out your loan options, and an Accountant or Financial Planner can help you to decide if property investment is the right decision based on your personal situation.

09/09/2026

What is equity?

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09/09/2026

Discover 5 ways to attract your ideal tenant:

You've made the decision to purchase an investment property, and you're ready to tackle your new role of 'landlord' with diligence and enthusiasm. So it would make sense to buy the property first, then hire an agent, decide on the rent and interview tenants - right?

No, actually. If you want to attract the ideal tenant, it's quite the opposite.



1. Purchase the investment property with your ideal tenant in mind

Before you purchase your investment property, it pays to think about who your ideal tenant is. Are they a professional couple, a family, or someone in their older years? Once you have a firm idea of who you would like to rent to, you can start to put yourself in the tenant's shoes and think about what the property should offer.

If your ideal tenant is a professional person, look for properties with good access to transport, an easy commute to the nearest CBD.

If you prefer a young family, then schools, kindergartens, shopping centres and sporting facilities will be on the menu.



2. Presentation pays off

The best tenants are not likely to be impressed by a mouldy smell coming from the wardrobe, or a bright yellow toilet seat from 1970. Try to make some inexpensive improvements if you can, and present the property as a clean and comfortable home. Ensure that everything is in good working order, and try to keep colours neutral.



3. Price for the market, don't increase the rent too much

Research other properties for rent in the area, and price your rent accordingly. Once you do manage to find that dream tenant - don't increase the rent too often, or too much. This will only encourage tenants to look elsewhere. A $10 per week rise might seem like a good idea in the long term, but if your property sits empty for months between tenants that will represent a far greater loss.



4. Screen agents and tenants carefully

Before you sign up with a real estate agency or property manager, find out about their track record and the way they like to do things. How do they handle complaints about the property, or tenants who default on the rent? How often will they carry out inspections?

Make sure they have a rigorous process in place for screening tenants, and make your wishes clear from the beginning.



5. Invest in landlord's insurance

If all else fails, landlord's insurance can really save the day. Make sure you invest in a good insurance policy that covers you for any damage by tenants, unpaid rent or liability claims.

09/09/2026

🏗️ How to still make use of negative gearing 🏗️⁣
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Negative gearing isn’t dead. It’s just different. 💡⁣
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Investors can still benefit from negative gearing on newly built properties. 🏡⁣
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It’s an option that can also mean higher depreciation deductions. ⁣
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Seek advice from your accountant and/or financial adviser to see if it's right for you.⁣
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And if so, contact us to explore your investment home loan options. 👇⁣
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To find out more, contact Gurneet on:
☎ – 0413 249 402
💻 – [email protected]
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08/09/2026

What are interest only loans?

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07/09/2026

What exactly is a Mortgage Broker?

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07/09/2026

📝 Bank of Mum and Dad: why a formal agreement makes sense 📝⁣
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One-in-five first home buyers rely on the support of parents or family. ⁣
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Yet more than 6-in-10 of these buyers have no written agreement in place, according to Money.com.au’s latest research.⁣
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This can potentially delay home loan approval. ⏳⁣
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That’s because lenders want to know if the financial support is a cash gift or a loan. 🤔⁣
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Bottom line, talk to us to know how to structure the support of well-meaning family members. 👇⁣
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To find out more, contact Gurneet on:
☎ – 0413 249 402
💻 – [email protected]
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