Pass Go Home Loans

Pass Go Home Loans Pass Go Home Loans Pty Ltd is a boutique mortgage broker firm owned and operated by Jamie Moore. So why choose Pass Go Home Loans when purchasing your property?

🏡 Mortgage Broker | Australia-wide
⭐️ 5-Star Rated (Google Reviews)
💬 Helping you buy sooner + save faster
📧 [email protected]

We're a boutique, award winning Australia wide mortgage brokerage that offers our expert service online and via phone. Pass Go's services are offered Australia wide via email, phone and Skype. We also have experts on the ground in Canberra, Brisbane and the Sunshine Coas

t. Investor knowledge
This is our bread and butter - it's what we do. As active property investors ourselves, we know how to structure your finances correctly to avoid problems down the track. When investing in property it’s important to have a competent, knowledgeable broker on your side – it can often be the difference between securing the deal and missing out. Honest, Independent Advice
We work for you, not the bank.We are open, honest and reliable and are dedicated to providing you with outstanding customer service. We are determined to ensure that your experience with us is pleasant, stress-free and rewarding. Providing you with Choice
We have access to over 30 lenders and hundreds of loan products. With this many options, we’re sure to find the right loan for you. We do the running around - We’ll do the hard work for you, saving you time and effort. Our service to you is FREE - You won’t have to pay a cent for our professional service. Our service to you is paid for by the lender. We will be open and honest and disclose the commission we receive from the lender.

14/05/2026

Three (more) things I wouldn’t do as a mortgage broker after 16 years in the industry.
If you’re not sure what the right move is, that’s exactly what I’m here for.

📩 Got questions? Email me at [email protected] or send me a DM.

13/05/2026

A lot of people think investing in shares requires cash.

In reality, a lot of investors use equity.

If you’ve built up equity in your home, you may be able to release funds for investment, often by setting up a separate loan split specifically for that purpose.

Done properly, you might also be able to convert non-deductible debt into investment debt, which may be tax-deductible.

Structuring the loan correctly is hugely important though!

Mixing personal and investment debt, or using the wrong loan setup, can create issues down the track.

There’s also risk:

You’re increasing your debt, and investing into a volatile asset class.

But for investors with a long-term view and the right structure, it can be a powerful strategy.

If you want to understand how it works in practice, happy to run through it.

Note: I’m not a financial adviser or accountant. This is general information only, please seek professional advice before making any investment or tax decisions.

06/05/2026

There’s a lot to think about before you buy a house.
• How much deposit do you need? (Some government schemes let you buy with as little as 5% and no lender’s mortgage insurance if you’re eligible) 
• Stamp duty and up-front costs
• Lenders Mortgage Insurance
• Interest rates and what different loan features mean 
• How credit history, and lender policies affect your loan

That’s where someone with real experience helps make it less wobbly.

If you’re thinking about buying soon, DM me or hit the link in bio for tips, checklists and a free loan assessment

25/04/2026

When you’re applying for a fixed-rate mortgage, most borrowers don’t realise they can choose to RateLock - to lock in their fixed rate upfront.

It’s optional. It usually costs around $750, but it can save you money if rates rise before your loan is finalised.

Think of it as protection: you’re paying a small fee for certainty and peace of mind.

Not every loan needs it, but knowing about it means you can make a smarter choice.
When you’re applying for a fixed-rate mortgage, most borrowers don’t realise you can choose to RateLock — to lock in your fixed rate upfront.

It’s optional. It usually costs around $750, but it can save you money if rates rise before your loan is finalised.

Think of it as protection: you’re paying a small fee for certainty and peace of mind.

Not every loan needs it, but knowing about it means you can make a smarter choice.Ask your broker if RateLock is available for your fixed-rate application.

23/04/2026

Sometimes that “amazing low rate” comes with strings attached:
📌 You might need to pay Lenders Mortgage Insurance (LMI)
📌 You could be hit with extra fees or restrictions

It’s not just about chasing the lowest number it’s about finding the right home loan for your whole situation.

I work Australia-wide helping buyers, refinancers, and investors compare the real costs and make smart property moves.

✨ Fill out my FREE Home Loan Assessment Form and let’s see what’s truly best for you.
Link in bio.

BorrowingCapacity LendersMortgageInsurance MortgageAustralia MoneyTipsAustralia PropertyGoals FirstHomeBuyerAustralia

22/04/2026

Always great to receive feedback like this.

If you’re looking for a broker who delivers this level of service, I’d love to help. I work with clients Australia-wide.

📧 [email protected] Jamie is a fantastic broker that is driven, efficient and pragmatic whilst being honest and upfront around advice and the best product for you.

He is approachable, accessible and sets clear expectations around timeframes and sticks to them whilst holding his banks on his panel to a similar standard and that is rare these days.

We have used Jamie for a couple of refinances, both with lighting fast turn srounds and his service has been second to none.

Above everything else, Jamie is just a genuinely nice guy snd that makes a huge difference when discussing often, the biggest expense of your life.

After utilising Jamie’s services, I know we have found a broker for life and that means so much to both my wife and I.

I would recommend Jamie to anyone and everyone

17/04/2026

I’ll tell you what actually works based on your situation, not just a headline.

Flick me an email at [email protected] and let’s figure out what you qualify for (and what you don’t). homebuyingtips 5percentdeposit passgohomeloans australianproperty propertychat

14/04/2026

When was the last time your bank called you to say, “Hey, we’ve lowered your home loan rate for you”? 🤔

Yeah… thought so.

As a mortgage broker, I see it all the time, loyalty doesn’t always get rewarded unless you ask (or have someone ask for you).

Lenders are constantly adjusting rates for new customers, while existing ones sit on higher rates without even realising it.

That’s where I come in 👇
✔️ Review your current loan
✔️ Negotiate with your lender
✔️ Refinance if there’s a better deal out there

Because your home loan shouldn’t be on autopilot.

If it’s been a while since you checked your rate… it’s probably time. Contact me at [email protected]

bestmortgagebrokeraustralia mortgagebroker aus education

12/04/2026

Increasing your borrowing capacity isn’t only about earning more.

Yes, income matters, but so does debt.
Credit cards are assessed on the limit, not just what you owe, and even unused limits can significantly reduce how much you can borrow.

As a general guide, every $1 of credit card limit can reduce borrowing capacity by around $5.
Reducing or closing debt before applying can make a real difference to your options.

Address

Canberra, ACT
2602

Opening Hours

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

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