Jason McGaffin - CJM Finance

08/09/2026

WHAT IS A MORTGAGE BROKER?

Ever wondered exactly what a mortgage broker does? Think of us as your personal home loan specialist and advocate!

Unlike going directly to one bank, we work for you, not the lender. We compare hundreds of loans from a wide panel of banks and lenders to find the one that’s tailored to your unique financial situation and goals.

From the initial application all the way to settlement, we handle the legwork, paperwork, and negotiations to make the process smoother and less stressful for you. Best of all, our expertise often comes at no direct cost to you as the lender pays us upon settlement.

Ready to get an expert on your team? Send us a message today!

07/09/2026

FIXED VS VARIABLE RATES

Deciding between a Fixed or Variable Rate? It’s one of the biggest choices in your home loan journey!

Fixed Rate: Offers stability. Your repayments are locked in for a set period (e.g., 1–5 years), making budgeting easier, but you miss out if rates drop and may face break costs if you need to refinance.

Variable Rate: Offers flexibility. Your repayments change with the market. You can usually make extra repayments to pay off the loan sooner and access features like an offset account, but your budget can be affected by rate rises.

Which one suits your financial goals? Let’s chat and compare what’s best for your situation.

05/09/2026

ZERO STAMP DUTY

Imagine walking away with Zero Stamp Duty on your first home! 📝✨

Depending on your state, property type, and whether you're building or buying established, first home buyer concessions and grants can drastically cut down your upfront costs. Combined with potential grants like the FHOG, you could save a massive amount on settlement day.

Let's run the numbers for your situation!

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03/09/2026

BUY WITH 2% DEPOSIT

Could you buy your dream home with just a 2% deposit? 🚪🔑

For eligible buyers (such as single parents through the Family Home Guarantee or specific regional pathways), the path to homeownership requires a surprisingly small upfront deposit. Stop waiting years to save a massive 20%—let's look at what options are available to you right now.

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01/09/2026

5% DEPOSIT: NO LMI

Did you know you could buy your first home with just a 5% deposit—and pay zero LMI? 💰✨

By utilizing schemes like the Home Guarantee Scheme, eligible first home buyers can bypass Lenders Mortgage Insurance (LMI) even with a smaller deposit. That means saving thousands upfront and getting into your own home much sooner.

Want to check your eligibility? Reach out to our team today!

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01/09/2026

Spring can bring plenty of new properties onto buyers’ radars.

Before spending every Saturday at open homes, it can help to have a clearer idea of your borrowing position.

A pre-approval can give you an indication of how much a lender may be prepared to lend, subject to its conditions, and help you set a more realistic property budget.

Get your finance sorted before you start house hunting. Contact us today!

31/08/2026

FIRST HOME ADVANTAGE

Ready to secure the ultimate First Home Advantage? 🏡🔑

Getting into the property market for the first time can feel overwhelming, but you don't have to navigate it alone. From understanding government schemes to finding the right loan structure, having the right guidance makes all the difference. Let's make your first home journey a smooth one!

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27/08/2026