FinanceMax - Mortgage Broker

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Clyde, VIC
FinanceMax - Mortgage Broker

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At FinanceMax, we offer tailored mortgage solutions to help you secure the perfectfinancing for your dream home and beyond.

Whether you're a first-time homebuyer,refinancing, or seeking financing for a car, bike, or commercial property.

29/10/2026

🏠 What is HEM, and how does it affect your home loan borrowing capacity?

When you apply for a home loan, banks don’t just look at your income. They also assess your living expenses.

💡 HEM (Household Expenditure Measure) is a benchmark some lenders use when assessing household expenses.

Your household size, income and lifestyle can influence the assessment.

Why does this matter? Your assessed expenses can affect how much you may be able to borrow.

📌 Save this before applying for a home loan!

📞 Jagadeesh: 0430 088 133
🌐 financemax.com.au

General information only, not financial advice. Lender policies and assessments vary. Jagadeesh Paruchuri (CRN 564346) is a Credit Representative of Outsource Financial Pty Ltd, ACL 384324.

22/10/2026

🏠 Got $50,000 in savings and a $500,000 home loan?

Your savings could be helping you reduce your mortgage interest! 💰

With a 100% offset account, keeping $50,000 linked to a $500,000 home loan could mean you’re charged interest on just $450,000.

That could help you save interest and pay off your home loan faster, while keeping your savings accessible.

💡 Are you making the most of your savings?

📌 Save this post or share it with someone paying a mortgage!

📞 FinanceMax | 0425 452 069 | 0430 088 133

General information only. Example assumes an eligible 100% offset account. Savings depend on account balances, rates, fees, loan terms and repayment arrangements.

11/10/2026

🏠 Good income but still not getting the home loan amount you expected?

Ever wondered how banks assess your home loan borrowing capacity?

Banks don’t just look at your salary. They also consider:

💰 Your income and employment
💳 Existing loans and credit card limits
🏡 Living expenses and financial commitments
📈 Interest rate buffers to test your ability to repay
👨‍👩‍👧 Dependants and household circumstances

Here’s what many borrowers don’t realise: Banks generally assess your ability to repay at a higher interest rate than the actual loan rate.

And different lenders may calculate your borrowing capacity differently!

📌 Save this before applying for a home loan.

📞 FinanceMax | 0425 452 069 | 0430 088 133

General information only. Borrowing capacity and loan approval depend on individual circumstances and lender assessment criteria.

07/10/2026

🚘 Drive Your Next Chapter.

Whether it’s a new car, ute or business vehicle, getting the right finance doesn’t need to be complicated.

✓ Fast approvals
✓ Minimal documentation
✓ Personal & business vehicle finance
✓ Tailored finance solutions
✓ Access to Australia-wide lenders

FinanceMax | Growth is Life
📞 0430 088 133 | 0425 452 069

06/10/2026

🏠 FIRST HOME BUYER CASE STUDY: Could income from a spare room help?

Our client wanted to buy their first home but borrowing capacity was one of the challenges.

They intended to live in the property and rent out a spare room to a boarder.

💡 Depending on the lender and their policy, eligible boarder income may be considered when assessing a home loan application.

We helped the client explore lenders that could consider their circumstances and structured the application accordingly.

The result? A pathway towards purchasing their first home. 🔑🏡

Every lender treats boarder income differently, so the right lender and the right loan structure can matter.

📌 First home buyer struggling with borrowing capacity? It may be worth exploring your options before assuming you can’t buy.

📞 FinanceMax | 0425 452 069 | 0430 088 133

General information only. Boarder income is not accepted by all lenders and may be subject to limits, evidence requirements and lending criteria. Approval is not guaranteed.

05/10/2026

📈 Interest rates rise — but does every home buyer or homeowner get affected the same way?

Not necessarily. It depends on what stage you’re at:

🏠 Pre-approval: Your borrowing capacity may need to be reassessed.

📝 Unconditional approval, not yet settled: Check your rate, product, rate-lock arrangements and approval conditions.

🔑 Existing home loan: If you’re on a variable rate and your lender increases it, repayments will generally rise. A contracted fixed rate generally stays fixed until the fixed period ends.

Same rate rise. Different impact.

The important thing is knowing where you are in your home loan journey and what the change could mean for you.

💬 Which stage are you at — pre-approval, waiting for settlement, or already paying a mortgage?

General information only. Lending criteria, rates, approval conditions and individual circumstances vary.

01/10/2026

⚡ Thinking about your next EV? Compare the finance too.

Whether it’s a new or used electric vehicle, FinanceMax can help you compare car finance options across 42+ lenders to find an option suited to your circumstances.

🚗 New & used EV finance
🔍 Compare multiple lenders
🤝 Personalised broker support
⚡ Simple finance process

Ready for your next EV? Get a quote today.

📞 0425 452 069 | 0430 088 133

Finance subject to lender approval, eligibility, fees, charges and lending criteria. General information only.

30/09/2026

🏠 Your home loan rate went up — what should you do next?

Before assuming you’re stuck with the higher rate, it may be worth reviewing your home loan.

✅ Check your current interest rate
✅ Ask whether your lender has another suitable product
✅ Review your loan structure, features and term

A home loan review can help you understand what options may be available — whether that means staying with your current lender or considering refinancing.

📌 Save this post for your next home loan review.

📞 FinanceMax: 0425 452 069 | 0430 088 133

General information only. Loan options are subject to eligibility, lender criteria, fees and individual circumstances.

28/09/2026

🏠 Want to pay off your home loan faster and potentially save on interest?

Even a small extra home loan repayment made consistently can reduce your loan balance faster — which may mean less interest over the life of your mortgage.

💡 $50, $100 or $200 extra each month may look small today, but over a long-term home loan it can make a meaningful difference.

Before increasing repayments, check your lender’s rules, fees and any extra repayment limits.

Want to see what an extra repayment could do to YOUR home loan? Send us your loan balance, rate and remaining term.

General information only. Examples are illustrative. Actual savings depend on your loan, interest rate, repayment timing and lender terms.

❤️

27/09/2026

⚡ Thinking about your next electric car?

Don’t just compare EVs — compare your car finance options too.

FinanceMax can help you explore EV finance options across 65+ lenders to find an option suited to your circumstances, lifestyle and budget. 🚗⚡

Ready to make the switch? Message FinanceMax to discuss your options.

📞 0425 452 069 | 0430 088 133

Finance subject to lender approval, eligibility, fees, charges and lending criteria. General information only.

Address

Clyde, VIC
3977

Telephone

+61430088133

Website

http://www.financemax.com.au/

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