What are the opening hours?

Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 6pm Thursday 9am - 6pm Friday 9am - 6pm Saturday 9am - 6pm Sunday 9am - 6pm

Sarju- Mortgage Broker

Home
Australia
court
Sarju- Mortgage Broker

Call Website

Identifying the best loan options for client and ensuring a smooth and tailored personal experience.

01/11/2026

The Reserve Bank of Australia doesn't change interest rates based on one number.

Before making a decision, the RBA looks at a range of economic indicators, including inflation, household spending, employment, wages, and economic growth.

Why does this matter to borrowers?

Changes to the cash rate can influence variable home loan rates, which may affect mortgage repayments and borrowing capacity. But the impact can vary depending on your loan, lender and financial circumstances.

With the RBA's next decision coming soon, understanding what sits behind an interest rate decision can help you make sense of the headlines and what they could mean for your finances.

Interest rates are only one part of the picture. Your own income, expenses, debts, and financial position matter too.

Your thoughts, would it increase or stay? Pls comment

30/10/2026

You have been with the same bank for five years, never missed a payment, and have all your accounts linked. You assume they are looking after you because you are a loyal customer. The harsh reality is that banks reserve their very best interest rates for brand new customers, not their existing ones.

A quick mortgage review is the easiest way to find out if you are overpaying. We look at your current interest rate and compare it against the latest offers across dozens of lenders. If your bank is overcharging you, we can negotiate a better rate on your behalf or switch you to a lender who actually values your business.

Stop paying the loyalty tax. Send us a DM with your current interest rate, and we will tell you if you can do better elsewhere.

28/10/2026

It is the most common question we get asked. With the cash rate proving stubborn and inflation bouncing around, the uncertainty is exhausting. You want the security of knowing exactly what your repayments will be, but you do not want to lock in right before rates eventually drop.

The answer usually lies in a split loan. You do not have to choose just one path. By fixing a portion of your mortgage, you get the peace of mind of stable repayments. Leaving the rest on a variable rate allows you to make extra repayments and take advantage of any future rate cuts.

There is no one size fits all answer, but we can help you find your sweet spot. Reach out today and let us discuss the best structure for your goals.

26/10/2026

You have used an online calculator and realized the banks are testing your ability to repay a loan at around 9% interest. With rates staying higher for longer this year, that serviceability buffer feels like an impossible hurdle, leaving you worried you simply will not qualify for the loan you need.

Not all lenders calculate your borrowing capacity the exact same way. Some banks are much friendlier when assessing overtime, bonuses, or rental income. A few lenders have even lowered their stress test buffer for straight forward refinancing, making it much easier to switch and save.

If you have been knocked back by one bank, do not give up. Send us a message and we will find the lenders whose policies actually favour your situation.

23/10/2026

You have a solid income and can easily afford monthly loan repayments, but saving a massive lump sum deposit while paying rent is holding you back. Your parents want to help you get into the market, but they do not have cash lying around to hand over.

A guarantor loan could be the perfect solution. Your parents can use the equity in their own home to secure your deposit. This allows you to borrow 100% of the purchase price, skip the LMI fee entirely, and get into your home years faster. The best part is the guarantee can be released once you build up enough equity in your new place.

Want to know how to structure a guarantor loan without risking your parents' retirement? Send us a DM for a confidential chat. No pressure, just clear guidance.

21/10/2026

You have found the perfect house, the agent is calling you for an offer, and you are ready to sign the contract. But you only have a generic online borrowing estimate, not a fully assessed pre-approval. In today's tight market, making an offer without concrete financial backing is incredibly stressful and risky.

A fully assessed pre-approval is your golden ticket. It means a lender has actually verified your income, expenses, and credit file. When you bid at auction or make a private offer, you can do it with total confidence, knowing the money is ready and waiting to go.

At times deals get finalized faster because you have a pre-approved loan ready.

Do not risk losing your dream home to a finance delay. Message us today and let us get your pre-approval sorted before you start house hunting.

19/10/2026

Between grocery bills, electricity hikes, and the cash rate sitting higher for longer, household budgets are under serious pressure. You are not alone if you feel like your paycheck is disappearing the moment it lands in your account. Keeping up with multiple debts like car loans and credit cards just makes it harder.

Debt consolidation through refinancing can completely change your monthly cash flow. By rolling your high interest personal loans or credit card balances into your home loan, you can drastically reduce your overall monthly repayments. It spreads the debt over a longer term at a much lower interest rate, giving you instant breathing space.

If you need to lower your monthly outgoings, send us a message. We will look at your situation and see if consolidation is the right move for you.

16/10/2026

You love your lifestyle in the inner city. Your friends are there, your favorite cafes are there, and your work is close by. But when you look at the median house prices in your suburb, buying a property feels like an absolute pipe dream.

Rentvesting is the ultimate compromise. You continue renting in the suburb you love to maintain your lifestyle, while buying an investment property in a more affordable, high growth area. You get your foot on the property ladder without giving up your weekend brunch spot.

Curious about how rentvesting impacts your borrowing power? Shoot us a DM and we will map out a strategy that works for you.

14/10/2026

We are taught to avoid Lenders Mortgage Insurance at all costs. You might be sitting on a 10% deposit, desperately trying to save that final 10% to avoid the fee, all while watching house prices go down and now seems to be the best time to buy. Sometimes, paying LMI is actually cheaper than waiting. If paying a one-time LMI fee gets you into a property today when it is low, you start building equity as soon as the market picks up. The capital growth on your new home over the next year could easily outstrip the cost of the insurance premium you paid to get in early.

Let us run the numbers for you. Send us a message and we will compare the cost of LMI versus the cost of waiting. No pressure, just clear math.

12/10/2026

You have been crunching the numbers, and even with a decent deposit, the loan repayments on a standard mortgage are just too high for your current income. It is incredibly frustrating to feel like you are doing everything right but still falling short of what the banks demand.

The new Help to Buy scheme is designed exactly for this. If you are eligible, the government will contribute up to 40% of the purchase price for a new home. You only need a tiny 2% deposit, and because your actual mortgage is much smaller, your monthly repayments become completely manageable.

Wondering how shared equity actually works? Reach out today and we will explain the pros and cons to see if it fits your goals.

Address

25 Charrington Court , 35 Old Northern Road
Court
2153

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	9am - 6pm
Sunday	9am - 6pm

Telephone

+6435623580

Website

https://www.smartfinn.com.au/sarju, http://www.smartfinn.com.au/

Alerts

Be the first to know and let us send you an email when Sarju- Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.