Cosmo Mortgage Services

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🛠️ Roll up your sleeves and get renovation ready 🛠️⁣⁣Did you know home owners are spending $1 billion+ each month on ren...
25/03/2026

🛠️ Roll up your sleeves and get renovation ready 🛠️⁣
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Did you know home owners are spending $1 billion+ each month on renovations across the country? 😮⁣
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If home improvements are on your to-do list for 2026, home equity can be a valuable source of funds. ⁣
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One way to access home equity is by switching to a new home loan. ⁣
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Or for major renovations, a construction loan could potentially tick plenty of boxes. ✅⁣
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Funds are drip-fed as the project progresses. And you only pay interest on funds drawn down. 💳⁣
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The catch? ⚠️⁣
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Not every lender offers construction loans. ❌⁣
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Contact us to know the lenders that do - and discover finance options that may align with your needs. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

🏠 What’s the ideal home loan term length? 🏠⁣⁣Well, just like songs and music, there's no one-size-fits-all answer - it's...
23/03/2026

🏠 What’s the ideal home loan term length? 🏠⁣
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Well, just like songs and music, there's no one-size-fits-all answer - it's usually a case-by-case situation.⁣
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Let us explain. ⁣
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Not so long ago, 25 years was the typical home loan term. ⁣
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That’s steadily crept up to 30 years. 📈⁣
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And some lenders now even offer 40-year loans. 😮⁣
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So, what home loan term should you select? ⁣
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The answer is the one that fits your life circumstances - which usually means the one that you can comfortably afford the monthly repayments on. ✅⁣
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That's because, chances are, the value of your home will rise over time. ⁣
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Meanwhile, inflation will hopefully eat away at the value of your debt. ⁣
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And as you build equity (and your life situation changes), it may be possible to refinance to a shorter term to save on interest over the long run. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

📈 Could property prices break records in 2026? 📈⁣⁣Home values could potentially hit new highs this year. ⁣⁣REA Group is ...
18/03/2026

📈 Could property prices break records in 2026? 📈⁣
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Home values could potentially hit new highs this year. ⁣
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REA Group is predicting home prices could rise 6-8% across our combined capitals in 2026. 📊⁣
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Meanwhile, a new report from KPMG predicts house prices across Australia could climb 7.7% this year and apartment values could rise 7.1%.⁣
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If you're looking to buy in the near to medium future, it could be worth considering bringing your home-buying plans forward to beat rising prices. 💰⁣
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Talk to us to find out your borrowing power. 💬⁣
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We could then also get the ball rolling on a home loan that matches your needs. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

🏠 First homebuyers are dominating the home loan market 🏠⁣⁣The number of new first home buyer loans rose 6.8% in the fina...
16/03/2026

🏠 First homebuyers are dominating the home loan market 🏠⁣
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The number of new first home buyer loans rose 6.8% in the final quarter of 2025, outpacing investors and upgraders - according to ABS data. 📊⁣
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It’s the biggest jump in first home buyer demand in two years. ⁣
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What’s driving first home buyers? 🤔⁣
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Increased support through the 5% Deposit Scheme and the new Help to Buy program, says the ABS. ⁣
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Talk to us about your plans to buy a first home and we'll help you assess your borrowing capacity. ⁣
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You could potentially be home loan ready right now. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

🏡 Could your siblings hold the key to home ownership? 🏡⁣⁣Siblings can often be relied on to share a drink or a game of b...
11/03/2026

🏡 Could your siblings hold the key to home ownership? 🏡⁣
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Siblings can often be relied on to share a drink or a game of backyard cricket. 🏏⁣
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But now more Aussies are teaming up with their siblings to share the keys to a first home. 🔑⁣
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NAB reports a 33% increase in friends and family members buying property together. ⁣
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Pooling your resources can potentially help you crack the market sooner, or buy in an area you couldn’t afford solo. ⁣
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If you think you and your sibling could make a great property team, talk to us to find out if co-buying could work for you. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

🏡 Gen X takes top spot for property wealth 🏡⁣⁣Baby Boomers no longer hold the top spot for housing wealth in Australia. ...
09/03/2026

🏡 Gen X takes top spot for property wealth 🏡⁣
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Baby Boomers no longer hold the top spot for housing wealth in Australia. ⁣
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Research by KPMG reveals Gen X (1965-1980) have average property wealth of $1.455 million per household. 📈⁣
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The Boomers? They now average $1.36 million. ⁣
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That’s because Boomers are dialling down their property holdings ahead of retirement. ⁣
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Turns out younger Aussies aren’t doing too badly in the property stakes, either. ⁣
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KPMG says 25-34-year olds have seen household wealth rise 63% over the last 5 years, thanks mainly to rising home ownership. 🏠⁣
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Keen to get started building your property portfolio? ⁣
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Talk to us about government schemes that provide support for first home buyers. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

🏡 5% Deposit Scheme fuels price surge in affordable homes 🏡⁣⁣Is the newly expanded 5% Deposit Scheme pricing first home ...
04/03/2026

🏡 5% Deposit Scheme fuels price surge in affordable homes 🏡⁣
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Is the newly expanded 5% Deposit Scheme pricing first home buyers out of the market? 🤔⁣
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Well, property price data analysts Cotality think so, pointing out that homes falling within the scheme’s price limits saw price growth of 3.6% in just the December quarter alone. ⁣
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Homes priced just above the price caps also rose 2.4% in the same period. ⁣
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The bottom line: lock in, as it looks like competition for affordable homes is heating up. 🔥⁣
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One option?⁣
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Start a conversation with us. For starters, we’ll help you calculate your borrowing power. ⁣
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Then, you may need to be open to being flexible on your choice of home and location - a first home doesn’t have to be a forever home, for instance. ⁣
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But it can help you get a foothold in the market before prices potentially go up further. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

🚀 Refinancing is on a roll and the momentum is building 🚀⁣⁣Refinancing reached new heights in 2025.⁣⁣A record 641,552 lo...
02/03/2026

🚀 Refinancing is on a roll and the momentum is building 🚀⁣
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Refinancing reached new heights in 2025.⁣
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A record 641,552 loans were refinanced over the year, 20% higher than 2024’s 533,839, according to Money.com.au’s latest Mortgage Insights Report. 📈⁣
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And the momentum isn’t slowing. 💪⁣
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The Insights Report predicts refinancing volumes to grow a further 19% in 2026 to 762,437 loans. ⁣
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Why the rush to switch? 🤔⁣
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The potential for a lower rate, potentially better home loan features, and the chance to reduce your monthly mortgage repayments. ⁣
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If you haven’t reviewed your loan recently, now could be the time. ⏰⁣
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Contact us to see if you could save on monthly interest by refinancing. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

🏡 Home owners are $82,000 wealthier on average in 2026 🏡⁣⁣Australia’s housing market notched up annual gains of 8.8% in ...
25/02/2026

🏡 Home owners are $82,000 wealthier on average in 2026 🏡⁣
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Australia’s housing market notched up annual gains of 8.8% in 2025, according to the latest PropTrack Home Price Index.⁣
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PropTrack says this saw the national median home value rise by $82,200. ⁣
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Why not make those gains work harder in 2026? 🤔⁣
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Here are some options to consider:⁣
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🔨 Reviewing renovation plans to improve liveability or long-term value.⁣
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🏘️ Invest in a rental property, home equity can often be used in lieu of a cash deposit. ⁣
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🔄 Refinance to a new loan, save on finance with a lower rate or enjoy more loan features. ⁣
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Get in touch today if you want to make your home equity work harder. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

🏘️ Why it could be time to consider buying a rental property 🏘️⁣⁣Investors have been buying property at record rates, ac...
23/02/2026

🏘️ Why it could be time to consider buying a rental property 🏘️⁣
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Investors have been buying property at record rates, according to the ABS. 📈⁣
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Rents are up, vacancies are down, and interest rates on investment home loans are at their lowest since late 2023. ⁣
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But high investment lending has attracted the attention of the banking watchdog APRA. 👀⁣
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In the past, APRA has capped lending to investors. ⁣
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Could it happen again? 🧐⁣
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Some commentators think so, which could make it worth bringing forward your investment property buying plans.⁣
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Get in touch and we can explain your borrowing power, and the lending options that help you become a property investor. 👇 ⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

😬 Why did the RBA just increase the cash rate? 😬⁣⁣It’s all about inflation sitting above the RBA’s target range of 2-3%....
18/02/2026

😬 Why did the RBA just increase the cash rate? 😬⁣
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It’s all about inflation sitting above the RBA’s target range of 2-3%. Recent ABS data has it at 3.8%, and the RBA wants to get it back down again. 📊⁣
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The (potentially) good news?
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If you haven't refinanced in a while, you could potentially be eligible for a lower rate with another lender - which could help offset the rate hike.⁣
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If you'd like to find out if you could potentially create your own rate cut, get in touch today. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

⏱️ Looking for alternatives to a traditional 20% deposit? ⏱️ ⁣⁣Research from Cotality suggests it can take around 10 yea...
16/02/2026

⏱️ Looking for alternatives to a traditional 20% deposit? ⏱️ ⁣
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Research from Cotality suggests it can take around 10 years, on average, for buyers to save a 20% home deposit.⁣
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With market conditions continuing to change, many first-home buyers are exploring other pathways into the market. 🧐⁣
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In some cases, it may be possible to buy a first home with a smaller deposit, depending on your circumstances.⁣
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Government initiatives such as the First Home Guarantee (5% deposit) may help eligible buyers purchase with a lower deposit and without paying lenders mortgage insurance, subject to criteria and lender participation. 🙌⁣
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Want to find out if you're eligible? ⁣
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Get in touch and we could help you get the ball rolling on your first home sooner than you expect. 👇⁣
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To find out more, DM us or contact Patrick on:

☎️ – 0488 288 368
💻 – [email protected]

Address

31 Cedar Street
Canberra, ACT
2914

Telephone

+61488288368

Website

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