Investors Choice Mortgages

Investors Choice Mortgages Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Investors Choice Mortgages, Mortgage brokers, 207 Lygon Street, Carlton.

Award winning Investors Choice Mortgages is committed to delivering the highest value to each and every client through education, assistance, saving them time and assisting every step of the way.

Ever felt like your “casual” job label leaves you wondering if a home loan is out of reach? You’re definitely not alone....
08/09/2026

Ever felt like your “casual” job label leaves you wondering if a home loan is out of reach? You’re definitely not alone. Many casual workers worry that lenders will only focus on the irregularity of their income and overlook the big picture. It can feel like every shift, deposit or gap in your work history is being scrutinised, making it tough to feel confident about applying for a home loan.

But here’s the good news: your employment type doesn’t have to shut the door on home ownership. By understanding what lenders really look for - and knowing how to show them your strengths - you can boost your chances and get your foot on the property ladder.

Curious to know exactly how you can put your best foot forward? Dive into our guide for casual workers and learn the practical steps to strengthen your home loan application 👇

Have you faced challenges being a casual worker looking for a home loan? Share your experience or any questions below.

Think you know exactly what you spend each month? It’s easy to underestimate, especially when you’re dreaming about a ne...
04/09/2026

Think you know exactly what you spend each month? It’s easy to underestimate, especially when you’re dreaming about a new home. But banks won’t just take your word for it. They’ll compare your declared expenses to official benchmarks like HEM and then go line by line through your bank statements. If your figures don’t add up, you could face delays or even rejection.

Want to know how to nail this part of your application and boost your chance of approval? Check out my latest blog at how-banks-calculate-living-expenses 👇

Have you ever had a bank pick apart your expenses? Share your story in the comments below!

You've finally got a solid deposit saved and you're ready to launch into the home buying journey, but there's one pesky ...
02/09/2026

You've finally got a solid deposit saved and you're ready to launch into the home buying journey, but there's one pesky thing still on your mind - that HECS debt. Did you know even though you're making those compulsory repayments, lenders see that as income you can't put towards your future mortgage? For plenty of first-home buyers, this surprise can shrink your borrowing power by tens of thousands, even if your debt isn't huge.

It's tricky because paying off your HECS might help, but it could also leave you short for your deposit and moving costs. So, what's the best move for you?

If you're keen to understand how HECS debt really affects your home loan and what recent lending changes mean for Aussies like you, check out our latest blog guide for all the tips 👇

Got a question or your own story? Pop it in the comments - we love hearing from fellow home-hunters!

It’s surprising how many property buyers and investors overlook this one detail: lenders assess your total credit card l...
02/09/2026

It’s surprising how many property buyers and investors overlook this one detail: lenders assess your total credit card limits, not just the amount you actually owe, when working out your home loan borrowing power. Even if you pay your cards in full each month and carry a zero balance, that credit limit could be silently blocking the property you want.

When you consider every $5,000 in unused credit can reduce your borrowing capacity by around $20,000, it puts those “just-in-case” credit cards into sharp perspective. Many applicants have a stash of small cards they barely use - a rewards card here, a backup for emergencies there - each one quietly chipping away at their chance to qualify for more.

It’s not just about managing existing debt. The limit itself is what the lender sees as a potential future obligation, and that risk means they’ll lend you less, sometimes far less, than you expected.

If you’re thinking about applying for a home loan, a simple clean-up of your unused or unneeded credit cards could make a genuine difference to your outcome. Want the full rundown, including real-world examples and the numbers that matter? Take a look at our latest article 👇

Let’s make sure your credit is working for you, not against you.

Curious how much your cards are affecting your property budget? Share your experiences or questions in the comments!

You’ve found your dream home, signed the contract, and are eagerly waiting for that 'loan approved' call. But instead of...
27/08/2026

You’ve found your dream home, signed the contract, and are eagerly waiting for that 'loan approved' call. But instead of excitement, you’re met with total silence. Days turn into weeks, settlement is creeping closer, and you have no idea why everything has gone quiet.

It’s one of the most stressful experiences in property buying. Often, the delay isn't due to your financial position, but rather lender backlogs, incomplete paperwork, or a low valuation that catches everyone off guard. While it feels like the process is out of your hands, knowing the common pitfalls can make all the difference in keeping your application moving.

Have you ever had a home loan application stall, or are you currently navigating the waiting game? Share your experience in the comments below.

For a clearer path to approval, check out our latest blog on the 7 reasons why home loans get delayed 👇

Are you waiting for the property market to "settle" before making any financial moves? It’s a common instinct, but somet...
19/08/2026

Are you waiting for the property market to "settle" before making any financial moves? It’s a common instinct, but sometimes caution can actually cost you. I remember meeting a woman who was certain the market was about to crash, so she sat on the sidelines to play it safe. By the time she felt comfortable acting, the opportunity she wanted was gone, and she had less equity to work with than when she started.

If you have plans for renovations or a big purchase, your property’s value today is likely higher than it will be in twelve months. Accessing your equity now isn't about being reckless—it's about locking in your options before the market narrows them for you.

Curious to know where you stand? Read our latest blog here 👇

Is the current market news making your stomach drop? 📉If you recently bought your first home, it is completely normal to...
12/08/2026

Is the current market news making your stomach drop? 📉

If you recently bought your first home, it is completely normal to feel a bit anxious when you see headlines about a market downturn. It is easy to start calculating 'paper losses' and wondering if you made the right move.

But here is the truth that often gets lost in the noise: a paper loss is just that - a number on a page. It only becomes a real loss if you sell. Many buyers fall into the trap of panic selling, crystallising a loss when they could have simply held on and let the property cycle do its work.

We have put together a guide to help you navigate these feelings and focus on the long-term, not the daily news cycle.

Check out our latest blog post to understand how to hold on and build your wealth 👇

Is your investment property really performing as well as those headline Airbnb figures suggest?It is easy to get caught ...
11/08/2026

Is your investment property really performing as well as those headline Airbnb figures suggest?

It is easy to get caught up in the allure of high nightly rates for short-term rentals, but when you look past the gross income, the picture often changes. Many investors find their profits quietly eroded by the reality of professional cleaning costs between every stay, higher management fees, specialist insurance, constant furnishing updates, and platform commissions.

When you also factor in the reality of occupancy rates and how lenders view this volatile income when you go to apply for your next loan, the long-term rental model often provides a much more stable foundation for portfolio growth.

Before you make a decision, it is essential to crunch the real numbers. Read our latest blog to understand the true net returns and how to ensure your strategy aligns with your long-term wealth goals.

Check out the full analysis here 👇

Are you a first-home buyer currently feeling the weight of all those headlines about falling house prices and negative e...
11/08/2026

Are you a first-home buyer currently feeling the weight of all those headlines about falling house prices and negative equity?

It’s completely understandable to feel anxious, especially when you’ve stretched to get into the market with a 5% deposit. Between the talk of rate rises and price corrections, it’s easy to feel like the ground is shifting beneath your feet. But before you panic or make any hasty decisions, it’s important to separate the fear from the facts.

The good news is that for most homeowners, this is a cycle rather than a crisis. We have put together a guide to help you understand exactly where you stand, what your genuine options are, and how to hold your position through the recovery.

Check out our latest blog post here 👇

You have done the research, saved your deposit, and finally found the perfect property. You are ready to make your move ...
30/07/2026

You have done the research, saved your deposit, and finally found the perfect property. You are ready to make your move - but then your home loan application hits a wall.

It is heartbreaking to watch capable buyers lose their dream home simply because of paperwork. Being financially ready is only half the battle. If your payslips are out of date, your tax returns are incomplete, or your credit card limits are higher than expected, lenders can delay your application or even decline it entirely. In a fast-moving market, that delay is all it takes to lose the property to another bidder.

Don't let avoidable documentation errors cost you your next home. I have put together a complete guide on exactly what documents you need to be truly prepared.

Read it here 👇

Address

207 Lygon Street
Carlton, VIC
3053

Opening Hours

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

Telephone

+611800464810

Website

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