More Than Mortgages

More Than Mortgages We know how overwhelming it can be buying a property. That's why we partner with home buyers looking

If you'd like to book in a free appointment to discuss your borrowing capacity and property portfolio, please book in here: https://www.morethanmortgages.com.au/make-an-appointment/ or call us on 02 6188 4555.

Income is not the only number a lender is looking at.Two people can earn exactly the same amount and still have very dif...
03/09/2026

Income is not the only number a lender is looking at.

Two people can earn exactly the same amount and still have very different borrowing positions because a lender is assessing the bigger picture.

Existing debts. Living expenses. Dependants. Credit limits. Credit history. And the details of the loan itself can all form part of that assessment.

Which is why one of the biggest mistakes buyers can make is deciding what they can afford based on salary alone.

Before you start mentally moving into the house you found online, work out what your numbers actually look like.

If buying is on your radar, message us and we can help you understand your position before you set your property budget.

01/09/2026

Happy 5 year work anniversary to our fabulous, Kris!

He’s the Admin Leader who keeps the team running efficiently, he leads with love and delivers on what he promises.

Thank you for everything you bring to the team, Kris. We’re lucky to have you and look forward to many more years to come.

31/08/2026

Property investors, your loan structure can make a real difference to cash flow.

One lender on our panel is offering up to 10 years of interest-only repayments, followed by 30 years of principal and interest repayments.

It won’t suit everyone, but it could be worth exploring if you’re looking to grow your portfolio.

Book an appointment with Tristina: https://MoreThanMortgages.as.me/Tristina

or ask her a question: [email protected].

29/08/2026

Your mortgage repayments can rise by thousands of dollars a year - but how many Australians actually understand why?

Interest rates, inflation and the RBA cash rate affect Australian households every day, yet financial literacy is rarely taught in a way that prepares people for mortgages, debt, tax, super and the real cost of borrowing.

Maybe the problem isn’t that Australians don’t understand money. Maybe it’s that nobody properly taught us.

Should financial literacy be taught in Australian high schools?

The house ticks every box.Beautiful kitchen.Great floorplan.Fresh paint.Perfect backyard.Then six months later...The "qu...
28/08/2026

The house ticks every box.
Beautiful kitchen.
Great floorplan.
Fresh paint.
Perfect backyard.

Then six months later...

The "quick commute" takes over an hour.
The neighbours have a weekend karaoke habit.
You realise there's nowhere to store the Christmas decorations.
And that bright, sun-filled living room? Not so bright in winter.

It's easy to fall in love with a home during a 20-minute inspection. Living there is a very different story.

That's why buying a home isn't just about finding the right loan. It's about making the right decision for your future.

Before you make an offer, slow down and ask the questions most buyers forget to ask.

Which one would be your biggest dealbreaker?

Location, neighbours, storage or natural light?

A little appreciation post for the people who keep the MTM office comfortable.A big thank you to Mungovan Air Conditioni...
27/08/2026

A little appreciation post for the people who keep the MTM office comfortable.

A big thank you to Mungovan Air Conditioning for the great work, the ongoing support and, very importantly, the Banh Mi treat!

We love supporting local businesses who genuinely look after their customers.

If your air con needs some attention, give the Mungovan Air Conditioning team a call on 0425 111 299 or email them on [email protected]

Mungovan Air Conditioning

22/08/2026

Digital ID could make proving who you are a whole lot easier.

Fewer document uploads. Faster identity checks. Less back-and-forth when applying for finance.

Sounds good - but convenience isn’t the only thing that matters.

As Digital ID expands further into the private sector, questions around privacy, security and who has access to our data matter too.

So where’s the line between making life easier and giving away too much?

Would you use Digital ID for your financial applications?

20/08/2026

Happy Birthday to our Supernova, Selena!

We hope your day is filled with good food, laughs, smiles and quality time with your family and friends.

Enjoy celebrating in Malaysia, make some great memories and don’t forget to bring us back chocolate sticks!

We miss you and can’t wait to see you again soon (with Malaysian treats).

Happy Birthday, Selena!

15/08/2026

Client question: Can you get me a $50k equity loan for a van?

De goes through this real-world example - a 'behind the scenes' - into a broker's brain, as she works out if this client should break her fixed rate loan, to allow her to release enough equity to get the van.

We know that "Tailored advice to your situation" sounds generic (YAWN), this example really does show how a simple question like "can you get me $50k for a van?" isn't just a simple answer. The answer isn't a one-size-fits-all answer. It's - you guessed it - tailored to the client's unique situation. It really is!

Check out this video if you want to see the inner workings of De's mind. Brace yourself.

14/08/2026

Turns out the best team meetings don’t always have to happen in the office.

A little escape from the emails, loan applications and everyday chaos and a chance for the team to enjoy each other’s company outside of work.

There were laughs. There were adventures. There may have been a few questionable decisions along the way.

Back to reality now... but with some new stories to tell as well as an additional annual leave day for participating in the MTM Adventure day.

Address

4/6 Phipps Close
Canberra, ACT
2600

Opening Hours

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

Telephone

+61261884555

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