Sage Home Loans

Sage Home Loans Northern Rivers local helping first-time homebuyers, investors, and refinancers secure better rates. What sets me apart? Exceptional communication.

No ghosting, no run-arounds. Just straightforward guidance and someone who answers their phone.

08/04/2026

Happy client today!

He had been told there was no way he was getting a loan. I just got off the phone with him, letting him know he has pre approval 🏠

Sometimes it just requires a little more work, but totally worth it!

04/03/2026

🎬 FIRST HOME BUYER SERIES – PART 3 💛🏡

Part 3 is here - and we’re covering the options most people don’t realise are available.

Joined again by Jaelen from Sage Home Loans , this episode tackles:

✔ Can legal guardians buy with a 2% deposit?
✔ How the 2% deposit guarantee works
✔ The First Home Super Saver Scheme - using your super to boost your deposit
✔ The Help to Buy shared equity program - what it means and who it’s for
✔ Pathways for single parents and lower deposit buyers

There are more options out there than most people think - but understanding eligibility, income caps and property price limits is key.

If you’ve been assuming you need 20% saved… this episode might change your thinking.

👀 What’s coming next?

We’re moving beyond first home buyers and diving into broader finance strategy, including:

• How borrowing power is actually assessed
• How much deposit do you really need?
• When does LMI apply?
• How HECS/HELP debt affects your borrowing
• The impact of other debts (car loans, credit cards, personal loans)
• How guarantor loans work and when they make sense

Whether you’re buying your first home, upgrading, or just trying to understand your position better — this next phase is all about clarity around finance.

Great news! Full approval means the bank has agreed to lend you the money.At this stage, three important things have hap...
17/02/2026

Great news! Full approval means the bank has agreed to lend you the money.
At this stage, three important things have happened:

The bank said "yes" to your loan (full approval)
The seller accepted your offer to buy their home
The bank sent someone to check the property is worth what you're paying

This is exciting because you're getting close to owning your new home! The bank just needs to do their final checks before settlement, which is when the house officially becomes yours.

05/02/2026

So you have your deposit... now what

Buying a house usually starts with nerves, questions, and a lot of "where do we even begin?" 👇My clients were determined...
14/01/2026

Buying a house usually starts with nerves, questions, and a lot of "where do we even begin?" 👇

My clients were determined to buy, but the unknown already felt overwhelming. The uncertainty about what they could afford nearly had them second-guessing their dream home.

Then came the breakthrough: a clear strategy, the right lender, and a pre-approval that confirmed their loan amount.

With confidence in their budget and clarity on next steps, they're now stepping into the fun part: searching for a home!

The moment pre-approval lands, everything changes. The dream shifts from "someday" to "let's go shopping!".

If you're thinking about getting a home loan but not sure where to start? Let's talk through what's possible. The link is in my bio to book a quick call.

JUST SETTLED | QLDWhen everyone else said no...we found a way 👇My client was stuck paying 6.47% with his bank and feelin...
09/01/2026

JUST SETTLED | QLD
When everyone else said no...
we found a way 👇

My client was stuck paying 6.47% with his bank and feeling trapped.
He needed three things:
→ A lower rate to ease the pressure
→ Debt consolidation to simplify his finances
→ Cash out for long-overdue renovations

Sounds straightforward, right?
Not when two banks had already turned him down.

His current lender said no. Another bank said no. Their credit policies just didn't fit his situation, and he was starting to lose hope.

But here's the thing about having access to 30+ lenders instead of just one: there's always another option.

I dug into his scenario, understood exactly what he needed, and found a lender whose policy was built for situations like his.

The result?
✓ Rate dropped from 6.47% to 5.19%
✓ Monthly repayments significantly lower
✓ Debt consolidated
✓ Cash out for renovations secured
✓ Settled quickly, even over the Christmas period

Now this family gets to finally update their home, make it feel comfortable again, all while paying less each month.

This was a fun one to work on.

Feeling stuck with your current rate or wondering if you could access equity?

Let's talk through what's actually possible. The link is in my bio to book a quick call - I'm always here to chat through your options!

Whether you're ready to buy your first place or wanting to get a better deal on your current home loan, I'd love to help...
08/12/2025

Whether you're ready to buy your first place or wanting to get a better deal on your current home loan, I'd love to help you out. Send me a message or give me a call to discuss your options!

I'm Jaelen, and I'm excited to introduce Sage Home Loans to our Northern Rivers community.When my partner and I were try...
08/10/2025

I'm Jaelen, and I'm excited to introduce Sage Home Loans to our Northern Rivers community.

When my partner and I were trying to buy our first home, the process was confusing, stressful, and honestly... we felt pretty lost.

Then we found a mortgage broker who actually took the time to explain things, answer our calls, and guide us through every step. It completely changed our experience.

That moment inspired me to become a broker myself. I wanted to be that person for others – especially here in the Northern Rivers, where I was born and raised.

What I do: I help first-time homebuyers, investors, and refinancers secure better rates and navigate the home loan maze with confidence.

What makes me different: I'm here when you need me. No ghosting, no run-arounds, no waiting days for a call back. Just straightforward guidance from someone who genuinely cares about your goals and actually answers their phone.

Coming from a background in computer science and education, I love breaking down complex information into plain English and making sure you understand every option available to you.

Whether you're thinking about buying your first home, growing your investment portfolio, or wondering if you could be getting a better rate – I'd love to help.

I'm looking forward to connecting with you all!

Jaelen
Sage Home Loans

Address

Casino, NSW
2470

Opening Hours

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

Telephone

+61493310872

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