Pass Go Home Loans

14/10/2026

My daughters are 10 and 13, and these are the money lessons I’m quietly passing on — and yes, the slam dunk was necessary 🏀 ____________________________________________ MoneySmartKids PropertyInvesting WealthBuilding AustralianParents FinanceWithHeart ExperiencesOverThings DadLife BasketballDad

10/10/2026

Thinking your home might become an investment property one day?
Smashing down the loan balance now can actually work against you later.

Why?
Because when it becomes an investment, interest is generally only claimable on the remaining loan balance.
Paying extra into the loan permanently reduces that principal.

Instead, many people choose to park surplus cash in an offset account, reducing interest today without shrinking the loan itself, which can preserve flexibility and potential tax outcomes down the track.

⚠️ Important note: I’m not an accountant, and tax rules can vary based on your situation. Always get professional tax advice before making decisions.

Structure matters, especially if future investing is on the cards.

10/10/2026

10/10/2026

Saving for your first home? Here's one simple thing worth doing.

Keep your house deposit savings in a separate account from your everyday spending, and try to contribute regularly.

It makes it easier to track your progress and can help demonstrate a consistent savings history when applying for a home loan.

Of course, lenders look at much more than just your savings habits, but getting organised early can make the whole process a little easier.

Not sure how much you could borrow or whether you're ready to buy?

Complete my free home loan assessment via the link in my bio.

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.

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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