Nectar Mortgages: James Marsh

10/09/2026

𝐑 𝐔 𝐎𝐊? 𝐃𝐚𝐲 💛
Today is R U OK? Day – a good reminder to check in with the people around us, not just today, but any day.

Sometimes a simple “Are you OK?” and taking the time to really listen can make a real difference. 💛

Whether it’s a friend, family member, colleague, neighbour or mate, a genuine conversation can help someone feel supported and remind them they’re not alone🤗 .

You don’t need to have all the answers. Sometimes, simply being there and listening is a great place to start.

👉 For tips on starting the conversation and supporting someone who may be struggling, visit ruok.org.au

06/09/2026

𝐇𝐚𝐩𝐩𝐲 𝐅𝐚𝐭𝐡𝐞𝐫’𝐬 𝐃𝐚𝐲 𝐭𝐨 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐝𝐚𝐝𝐬 𝐚𝐧𝐝 𝐟𝐚𝐭𝐡𝐞𝐫 𝐟𝐢𝐠𝐮𝐫𝐞𝐬 𝐨𝐮𝐭 𝐭𝐡𝐞𝐫𝐞! 💙
Here’s hoping today brings good food, plenty of laughs, and a bit of time with your favourite people.
However you’re spending it, have a fantastic Father’s Day!

03/09/2026

A good outcome for a client is the what it's all about. Everything else is paperwork

01/09/2026

Marshy's warning about surprise transactions that could affect your home loan application - Nine News.

Gambling mainly - saved you a click



Authorised credit representative (Credit Representative Number 559962) of QED Credit Services PTY LTD (Australian Credit Licence Number 387856)

I'm James Marsh, an accredited finance & mortgage broker with Nectar Mortgages. Serving All Australians regardless of geography. Specialising in Expats, Self employed, First Home Buyer Loans, SMSF, Refinancing and Commercial.

31/08/2026

𝐒𝐩𝐫𝐢𝐧𝐠 𝐢𝐬 𝐡𝐞𝐫𝐞! 🌼🏡
A new season can be a good time to take a fresh look at your property plans – whether you're buying, selling, refinancing or staying put.
🏡 Looking to buy? Getting your finances and pre-approval sorted early can help you understand your budget before you start house hunting.
🔑 First-home buyer? The Australian Government 5% Deposit Scheme could help eligible buyers purchase with a minimum 5% deposit, without paying Lenders Mortgage Insurance. Eligibility criteria and property price caps apply.
💰 Already own a home? Spring can also be a good prompt to review your current home loan, rate and equity – particularly if it’s been a while since you last checked them.

Whatever your plans this spring, I can help you understand your finance options and get prepared for your next move.

📞 Get in touch for a chat.

28/08/2026

𝐋𝐨𝐯𝐞 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐥𝐢𝐯𝐞, 𝐛𝐮𝐭 𝐜𝐚𝐧’𝐭 𝐚𝐟𝐟𝐨𝐫𝐝 𝐭𝐨 𝐛𝐮𝐲 𝐭𝐡𝐞𝐫𝐞? 🏡
Rentvesting could be worth considering.
Rentvesting is a strategy where you continue renting in a location that suits your lifestyle, while buying an investment property in an area that better suits your budget.
With the spring property season getting underway🌺, it could be a good time to explore what’s possible and whether this approach could work for you.
Curious to know more? 📲 Give me a call and we can chat about how rentvesting works and whether it could be the right fit for you.

27/08/2026

The bank saw your 47 Uber Eats orders. It mostly doesn't care.

Your regular midnight $302.50 withdrawals at the pokies room ATM though? Different story.

Ask me what actually gets applications declined... Ask... MARSHY

27/08/2026

𝐓𝐢𝐦𝐞 𝐭𝐨 𝐬𝐩𝐫𝐢𝐧𝐠 𝐜𝐥𝐞𝐚𝐧 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐞𝐬? 🌸
Credit cards, personal loans or Buy Now Pay Later repayments weighing you down? 🏋️ With spring approaching, now could be a good time to give your finances a tidy-up. 🧹

Debt consolidation may help simplify your finances by bringing multiple debts and repayments together.

❗But it’s not a one-size-fits-all solution. Depending on how the debt is structured, you could end up paying it off over a longer period and paying more interest overall.

👉 Wondering if debt consolidation could work for you? Let’s have a no-obligation chat and weigh up the pros and cons.

25/08/2026

𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐞𝐪𝐮𝐢𝐭𝐲 𝐝𝐨 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞? 🏠
Property markets change – and so can the equity you hold in your home.
Understanding your current equity position can be useful if you're considering your next property, refinancing, or simply reviewing where you stand.
I can help you review your current loan and equity position and explore what may be possible given your circumstances.
📲 Curious about where you stand? Let's have a chat.

23/08/2026

𝐒𝐞𝐥𝐟-𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝? 𝐋𝐞𝐭'𝐬 𝐞𝐱𝐩𝐥𝐨𝐫𝐞 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐨𝐩𝐭𝐢𝐨𝐧𝐬
Getting a home loan can be harder when your income isn't the same every month, but that's exactly where a broker makes life easier.😇

I can help:
• present your income clearly to lenders, even if it fluctuates
• explain add-backs and business expenses to lenders
• find lenders who understand self-employed income

If you're thinking about buying or refinancing this year, chatting to me first can save you a lot of time (and stress). Reach out📲, I'm here to help.