Innovative Home Loans

Innovative Home Loans The top choice for all loan solutions. We provide all finance solutions for new purchases, refinances, or releasing equity for any purpose.
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We specialise in residential lending, commercial lending, car loans & business solutions. Please email or call us if you have any questions regarding your current mortgage or looking to purchase a new property. For a complimentary no obligation meeting call our office on (02) 9524 9661 or send us an email [email protected]

Absolutely delighted to have helped another first home buyer make it official 🏡🥂There’s nothing better than seeing all t...
03/09/2026

Absolutely delighted to have helped another first home buyer make it official 🏡🥂

There’s nothing better than seeing all the planning, saving and hard work finally pay off!

HomeOwnership

02/09/2026

That $50,000 car loan is not really costing you $50,000.

At around 10% over five years the repayment is about $800 a month, and the bank subtracts that from what you can borrow before they lend you anything. In Alex's example, a $600,000 borrowing capacity drops to $450,000 the moment the car loan is counted. That is $150,000 in borrowing power, roughly three times the car.

Buying your first home soon? Run the numbers before you sign for the car.

31/08/2026

Half a percent might not sound like much, until it follows you for 30 years.

On an illustrative $600,000 principal-and-interest loan, a 6.0% rate compared with 6.5% changes the repayment by about $195 per month and approximately $70,241 over the full loan term.

Before you sign, compare the total cost, not only the headline rate.

Want to understand your real number? Speak with Innovative Home Loans.

29/08/2026

Your credit file doesn’t just show your mistakes anymore. It shows whether you paid on time, every month, for the last two years.

Each month gets a little mark: on time, or late. A clean run tells lenders you’re reliable. A scatter of late payments tells a different story, and some lenders price off exactly that pattern.

Looking to buy in the next two years? Start getting on top of it now, and if you need a hand, speak to a broker.

28/08/2026

In this clip from the Property and Lending Podcast, Lee sits down with accomplished insurance broker and specialist Lisa Hiscock to discuss a devastating roof damage claim that was denied due to wear and tear and building compliance issues. 🌧️🏠

Full episode out now!

Ep 38 is live! 🎙️Lee sits down with Lisa Hiscock from Hakea Insurance Brokers to talk everything property investors need...
27/08/2026

Ep 38 is live! 🎙️

Lee sits down with Lisa Hiscock from Hakea Insurance Brokers to talk everything property investors need to know about insurance, underinsurance, claims disasters, wear-and-tear exclusions and the costly gaps most people don’t find out about until it’s too late.

Lisa takes us through her journey from Lloyd’s of London (war risk, terrorism cover, even the Titanic) to specialising in commercial and investment property insurance here in Australia, and shares exactly why the right broker matters when the claim actually happens.

🎧 Part 1 is out now, link in our story.

26/08/2026

The loyalty tax is real, and your bank is counting on you not noticing.

Stay with the same lender for years and you are probably paying about 0.5% more than a new customer would. On a $1,000,000 loan that is $5,000 a year. Over 25 years, that is $125,000 for doing nothing except staying put.

As a new customer you will almost always get a better deal than a loyal one. If you have not reviewed your rate in the last year, reach out.

25/08/2026

In this clip from the Property & Lending Podcast, Lee sits down with Matt Sharp to discuss Matt’s early career as a buyer’s agent, looking up to Rich Harvey and Margaret Lomas.
When Matt started in his late twenties, he had doubts about who would trust him as someone with only a few properties and a lack of established credentials. But then he had a realisation that he could do it. 🤔📚

Full episode out now!

24/08/2026

A $50,000 car loan does not just cost you $50,000.

At an average rate of around 10 per cent over a five year term, the repayment sits
near $800 a month. Lenders take that repayment off your income before they work out
what you can borrow, so it follows you into every application you make.

In one example we ran, a borrowing capacity of $600,000 dropped to $450,000 once
the car loan was counted. That is $150,000 less, roughly three times the size of
the car loan itself.

Every lender assesses this differently, so the only number that really matters is
yours. If you are buying your first home, it is worth knowing what the car is
actually costing you.

22/08/2026

In this Podcast from The Property and Lending Podcast we talk about why you should never rely solely on a sales agent’s rental estimate. Sales agents and property managers look at the market very differently. Don’t base your borrowing power on an inflated number; always verify the true rental value with a professional property manager first. 🏠💸

Full episode out now.

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9/2 Resolution Drive
Caringbah, NSW
2229

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