Andrew Wallace Home Loan Specialist Canberra

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Andrew Wallace Home Loan Specialist Canberra

Locally based Home Loan specialist based in Canberra with over 30yrs experience in the industry

10/02/2026

So we have all heard the theories that your phone is listening in and if you search something you’ll get plenty of FB posts regarding that item,

Just had a 30 conversation about installing a Solar Battery, I had to complete some basic information on my laptop and add a few images etc (as requested)

Jump into FB using my iPhone and no less than 6 x Solar Battery Ad’s within the first 10 posts 🤷‍♂️

If only people complained about the current home loan more and there was a way my FB page magically appeared on their posts would be very helpful to generate business,

That’s way to suss - I didn’t even search using my iPhone, was speaking to someone and did the form is my laptop,

Due to this post let’s see how may Bank Home Loan offers appear, to be continued ……

14/10/2025

Borrowing money is easier when you’ve got two incomes… so find a partner with two jobs and a side hustle just to be safe!

For personal home loan advice that doesn’t require juggling three paychecks, call me — I’ll make the numbers work smarter, not harder.

27/07/2025

Home Loan Principle: The Power of Consistent Contributions

Financial progress stems from one core behavior: consistency.

Make repayments even when interest rates rise.

Stay committed during market fluctuations.

Contribute even if the end feels distant.

Stay the course when motivation dips.

Maintain payments despite temporary uncertainty.

Consistency builds equity. The borrower who steadily meets repayments strengthens their financial position, earns lender trust, and moves closer to long-term home ownership.

19/06/2025

Did you know I can now help you with a Virgin Money Australia home loan even though I’m still with ME, it’s like a 2 for 1 offer !!!!

What you waiting for,

20/05/2025

Aussie Homeowners can stop sweating the RBA has made their decision,

After the 0.25% drop earlier this year, today they have continued the trend with a further drop of 0.25% bringing the Cash Rate to 3.85%

For those in the market for a new home loan it will assist with increased borrowing capacity, current Mortgage holders well they can look forward to further relief, while those who can afford to keep up with their current repayments they will be significantly better off over the long term if they can resist the lure of the interest-rate cut.

ME has announced it will be passing on the full 0.25% reduction effective 7th June 2025.

if you're active in the market and would like to discuss what's possible please contact me on 0419882812 or [email protected]

18/02/2025

Reserve Bank to cut interest rates after 13 hikes, a rate cut of 0.25 percentage points will be delivered taking the cash rate to 4.1%.

The official cash rate has sat at an elevated 4.35% since November 2023 during a period of high inflation and fast-rising living costs.

The last rate cut occurred in November 2020 as part of a policy to stimulate the then-pandemic-stricken economy, there are more than 500,000 borrowers who've never experienced a rate cut

So today’s announcement will come as a welcome change to most households, it’s been a while but hopefully the trend continues.

But will all Lenders pass on the full amount, that’s the big question now ?

24/12/2024

D***y, Grumpy, Bashful, Sleepy, Sneezy, Doc, Happy, Snow White, Canberra

IT security told me I need to update my password before I went on leave, but it had to contain 8 Charactors and at least one Capital

And on that note see you when I’m back on the 20th Jan 2025,

Just getting you ready for the Christmas Crackers jokes tomorrow.

13/10/2024

World Masters Games Auckland 2017.

Majority of this squad was from our WMFC 35yrs Masters (which from other posts I’m heavily involved with) we had a few borrowed players because playing Masters 45yrs+ was going to be a challenge due to potential injuries, number of competitive games and overall lack of general fitness.

Overall we did have some solid results and even though we did loss 2 games over the event, it was deemed we were the 45yrs+ winners overall (as the group rounds were mixed with 35yr, 45yr & 50yr teams)

Looking back most of these players had played at a competitive level in their prime, but majority play now because they enjoy football and still play today, in the same team at WMFC be it they focus more on the after game Hotdog and random beer options each round

Sport has played a massive part of my life, there are many highlights and some that I’d like to forget but being involved in any team sport is very rewarding.

It builds character, your desire to be the best version of yourself and learning to get up after those defeats, regardless of which code you prefer being part of a team and greater club within your community is a good thing,

Sport isn’t for everyone but even being a supporter, volunteer or offical for these individual we all get the same buzz,

If you are capable of still playing regardless of age or division you should continue for as long as possible, because you’ll never know when will be your last game.

28/09/2024

Are you activating looking to purchase a new house ?

Have you applied and secured your Approval in Principal (aka AIP) before you started looking or making offer ?

Whether you’re a first-home buyer or looking to upsize or downsize, speaking to ME should always be your number one priority.

I can help you estimate your borrowing power so you can search, bid and buy with greater confidence that a loan will be approved.

Approval in principle (AIP) is the first step to getting an approved home loan – it’ll also help you be seen as a more serious buyer, which is a massive plus when you could be up against some serious competition.

Applying for approval in principle is free and should be done when you have an idea of how much you want to borrow, where you want to buy, what type of property you would like to buy and when you’re ready to buy.

It’ll help you determine your budget, repayments and the type of properties you should be looking at (e.g. apartments or stand-alone houses).

And unlike pre-approval, approval in principle (AIP) requires a full credit assessment and responsible lending assessment.

Approval in principle is only valid for 120 days (or 90 days if you are refinancing), so if your circumstances change, you get a new job or even a promotion, you must let me know – it could hugely impact your potential borrowing power.

Buying your first home, upsizing or downsizing are always exciting moments in life.

Before you start the search, always engage with me to ensure you’re financially stable and your application is low risk.

Failing to do so could leave you severely out of pocket.

So, if you’re looking for a home, let’s set up a time have an initial chat, if keen we can then submit an application and issue you with an AIP.

Do ….. or do not, there is no try.

14/09/2024

Just wanted to thank WMFC for allowing me the opportunity to attend the Presentation Day for the u6 - u13 players today,

To the Club Members and the Volunteers who helped arranged and set up everything this morning,

To the players, not sure if them getting their Award, Candy Floss , Snag, Jumping Castle or Face Painted was their best part !

Congrat’s to the Most Improved and Junior Ref of the year, I was fortunate enough to see them in action with my Woman’s team this season, they know their stuff because they 100% ignored my assistance when I was Coaching during the season.

To Nikki & Ally for hanging out with me on the ME stand and more importantly making sure we had the correct number for each player of the 25 teams from u10-u13 who received their ME Boot Bags,

Enjoy the rest of your weekend, bring on Tuesday evening with the u14-u18 team’s Presentation Evening.

12/09/2024

Well I think I’m ready for the WMFC Presentation day this Saturday for the u6 - u13’s then backing up on Tuesday evening with the u14 - u18’s for their Presentation evening.

Doesn’t seem that long ago I posted the start of the season and here we are at the end

I’m be dragging Ally along to help me out to hand out the Junior Players ME sponsored Boot Bags, which I have included a ME & WMFC co branded Flyer (for their parents) because let’s be honest with any type of sponsorship we need to justify the cost, I’ve had some really good discussions throughout the year but hoping to finish with a couple of more application since it’s a new target period.

It’ll be casual Saturday with us wearing our ME kit and me digging out the ME Converse Moon Boots - so they’ll know who the ME guy is !

Car has been washed, times confirmed for both events, plus we are the new Junior Referee of the Year sponsor so I’ll get to present this to (oh can’t tell you the winner just yet, but I know in advance) plus an opportunity to make some funny connections between ME & Ref’s with my speaking spot,

100% chance they’ll be an updated post next week after both are done and dusted

04/08/2024

Who says branding doesn’t work, just getting petrol and washing the car, 2 business cards given out,

Address

Canberra, ACT
2902

Telephone

+61419882812

Website

http://www.mebank.com.au/

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