Jason McGaffin - CJM Finance

Jason McGaffin - CJM Finance Mortgage Broker | Helping everyday Australians achieve their property dreams šŸ”

It's one of the biggest myths that catch investors on the South Coast every June: "I canā€™t claim my investment loan inte...
15/06/2026

It's one of the biggest myths that catch investors on the South Coast every June: "I canā€™t claim my investment loan interest, only the depreciation." šŸ›‘

Fact Check: If the property is currently used to produce rental income, the interest on the investment loan is typically tax-deductible against that income.

Letā€™s quickly review your current setup before the end of the financial year to ensure you are maximizing your legitimate deductions.

As we wrap up our Home Refresh series, I wanted to take a moment to say a massive thank you to all of my wonderful clien...
13/06/2026

As we wrap up our Home Refresh series, I wanted to take a moment to say a massive thank you to all of my wonderful clients on the South Coast and beyond. šŸ™

Helping individuals, families, and small business owners navigate the complexities of property finance is a privilege I don't take lightly. Securing a home loan is a massive milestone, and being trusted to guide you through that process means the world to me.

Whether you're just starting out or ready for a review, my door is always open.

For my self-employed clients, settlement day is just the beginning of our partnership. šŸ’¼As a business owner, your income...
12/06/2026

For my self-employed clients, settlement day is just the beginning of our partnership. šŸ’¼

As a business owner, your income, cash flow, and tax structures can change drastically from year to year. A home loan structure that worked perfectly for you twelve months ago might not be the most tax-effective or cost-efficient structure for your business today.

Thatā€™s why we sit down for an annual review. We take a fresh look at your business performance and ensure your mortgage is still working for your business, not against it.

Let's talk about one of the most powerful tools in your mortgage toolkit: The Offset Account. šŸ’°An offset account is simp...
10/06/2026

Let's talk about one of the most powerful tools in your mortgage toolkit: The Offset Account. šŸ’°

An offset account is simply a transaction account linked directly to your home loan. The beauty of it is how the interest is calculated. If you have a $500,000 mortgage and keep $20,000 sitting in your offset account, the bank only charges you interest on $480,000.

Over a 30-year loan, keeping your savings in an offset can slash years off your mortgage timeline and save you tens of thousands of dollars in interest. Let's make sure yours is working.

Repayment 1 is coming. Preparation doesnā€™t stop at settlement. šŸ§¹Getting a home loan isnā€™t just a transaction; itā€™s a lif...
09/06/2026

Repayment 1 is coming. Preparation doesnā€™t stop at settlement. šŸ§¹

Getting a home loan isnā€™t just a transaction; itā€™s a lifestyle shift. Here are two quick things to set up immediately post-settlement to keep you ahead:

Align your mortgage repayment frequency (weekly, fortnightly, monthly) with your regular pay cycle. This makes budgeting seamless.

If we structured your loan with an offset account, start routing your savings and everyday cash there immediately to chip away at your loan interest.

Settlement Day is officially here! šŸŽ‰ But what actually happens behind the scenes?The good news is, you donā€™t need to att...
08/06/2026

Settlement Day is officially here! šŸŽ‰ But what actually happens behind the scenes?

The good news is, you donā€™t need to attend a bank meeting or log into a portal. Settlement happens entirely digitally between your conveyancer/legal representative and our lending partners.

Here is what goes down:
1ļøāƒ£ The balance of the purchase price is transferred to the seller.
2ļøāƒ£ The land transfer documents are lodged.
3ļøāƒ£ The keys are released to the agent for you to collect!

Once I get the official confirmation call, Iā€™ll be the first to ring you and say those magic words: "Congratulations, it's officially yours."

Making an offer with a smaller (5%) deposit can feel daunting, as vendors often prefer "stronger" cash positions.Here is...
07/06/2026

Making an offer with a smaller (5%) deposit can feel daunting, as vendors often prefer "stronger" cash positions.

Here is how we make your 5% offer competitive:

Present an Unconditional Pre-Approval: Showing you are already approved by a lender (subject to valuation) removes their biggest doubt.

Short Settlement Terms: If your finance is organized, a swift settlement is very attractive.

Offer a Higher Holding Deposit: A larger initial deposit (like $5,000) when signing shows high commitment.

We specialize in framing low-deposit offers for success. Letā€™s strategize.

Stronger

Being self-employed means your 'budget' is different. šŸ’¼The standard "off-the-shelf" calculator on a bank's website won't...
05/06/2026

Being self-employed means your 'budget' is different. šŸ’¼

The standard "off-the-shelf" calculator on a bank's website won't work for you. It can't interpret your business structures, add-backs, or unique income sources. Specializing in 'Alt-Doc' loans means we spend the time analyzing your actual financial reality, not just your tax return number.

If a standard calculator gave you a discouraging answer, call me today. We specialize in non-conforming, high-earning self-employed clients.

Yes, you can buy with a 5% deposit. No, you don't always need 20% down. šŸ“ˆFor First Home Buyers on the South Coast, the c...
04/06/2026

Yes, you can buy with a 5% deposit. No, you don't always need 20% down. šŸ“ˆ

For First Home Buyers on the South Coast, the common belief that you must save 20% can add years to your timeline. When you buy with 5%, you will pay Lenders Mortgage Insurance (LMI), which is a fee that protects the bank, but it allows you to secure a home today at today's prices.

Letā€™s calculate your actual numbersā€”waiting to save that extra 15% might cost you more in market growth than the LMI fee itself.

One of the biggest pitfalls for buyers is confusing Pre-Approval with Formal (unconditional) Approval. šŸ¤”Think of Pre-App...
02/06/2026

One of the biggest pitfalls for buyers is confusing Pre-Approval with Formal (unconditional) Approval. šŸ¤”

Think of Pre-Approval as your "license to go shopping." Formal Approval is the "pink slip." The bank has fully assessed your specific property, your final contract, and your updated financial position.

Do not sign an unconditional contract until your formal approval is in writing. We navigate this crucial gap to ensure you are 100% protected before you commit.

Address

Unit 1/88 Beach Road
Christies Beach, SA
5165

Opening Hours

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

Telephone

+61426684975

Website

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