Tom Morison Mortgage Broker

Tom Morison Mortgage Broker Tom Morison | Director & Mortgage Broker
Helping you borrow smarter with honest, straightforward advice
Book a free call now, link below

27/08/2026

Banning Airbnb won't do what politicians say it will.

The properties don't just become rentals for locals. They get bought up by investors who don't need the income and leave them empty as holiday homes.

Look at Byron Bay. Less short stay supply just pushes people into hotels, and hotel prices go up anyway.

It sounds like a win. It's not.

Bought your first home with a government guarantee scheme? There's a rule worth knowing before you move out.These scheme...
27/08/2026

Bought your first home with a government guarantee scheme? There's a rule worth knowing before you move out.

These schemes can get you in with a smaller deposit, often without paying lender's mortgage insurance. In exchange, they generally expect you to be living in the property, not renting it out.

If your circumstances change, a move, a relationship, a new city, you generally can't just start renting the place out while still on the scheme. Usually there's a process first, often involving refinancing off it.

If you think you might move within the next year or two, plan your exit early rather than being caught out later.

General information, not advice for your situation. Scheme rules and eligibility vary and change. DM me "PLAN" and let's map out your options.

25/08/2026

Bank of mum and dad. My mate Craig McKinsey says it's more prevalent than ever, and he's right.

Younger couples are buying with serious parental help now, not just for the deposit. Mum and dad are steering them toward the better suburb too, often because they want to be close to the grandkids.

Craig's seeing first home buyers still accept the two bedroom apartment reality in his area, that hasn't shifted. But once there's more capacity, a bump in income, a promotion, extra help from parents, they're stretching into townhouses, some pushing toward a two million dollar ceiling.

If mum and dad are helping you get into the market, structuring that properly matters. DM me GIFT and I'll walk you through it.

25/08/2026

Buyer sentiment right now reminds me of late 2020.

Back then the market got smashed, everyone panicked, then around October to November the first green shoots came through. Nothing had actually changed about the fundamentals. People just stopped overreacting.

Markets work the same way stocks do. Bad news hits, everyone sells, then the dust settles and people realise the world didn't end.

I think we're in that same turning point now.

General information only, not financial advice.

25/08/2026

Her LVR dropped from around 90% to around 70%. She didn't refinance, didn't renovate, didn't do anything extra. Property value growth did the work.

That number matters more than most people realise. A lower LVR often opens the door to more lenders and sharper pricing. It can mean the difference between paying lender's mortgage insurance and not. For some, it also changes eligibility for government scheme exit requirements or investment loan options.

If it's been a while since your property was valued, your numbers might look very different today.

General information, not advice for your situation. DM me "REVIEW" and I'll check where your LVR sits.

24/08/2026

My prediction for the biggest surprise this year? A massive bull rush by the end of November.

Here's why. Next home buyers, the ones moving from apartment to townhouse, will start catching the falling knife. That's what sparks a recovery in sentiment. And once sentiment turns, it's on. Everyone wants approval yesterday.

My mate Craig McKinsey broke down why it happens so fast. It comes back to supply and demand. When prices are dropping, sellers only sell when they have to, so listings dry up. The moment approvals or buyer activity increase, that balance shifts, and that shift is what actually moves price.

If you want your finance sorted before the rush hits, now's the time to start. DM me READY and let's get you approval ready.

23/08/2026

Five years in real estate. Three completely different markets.

My mate Craig McKinsey put it perfectly this week. 2021 was chaos, buyers grabbing anything, no rules applied. Then rates rose and the market pulled back. This year it was already slowing before the budget landed, and that budget hit confidence hard. Everyone's calling it doom and gloom.

But here's what Craig's actually seeing on the ground right now: it's not one market anymore. It's segmented, and where you buy matters more than it has in years.

Want to know what's happening in your specific pocket of the market? DM me AREA and I'll connect you with the right insight.

50/50 odds of living to 95 if you're 55 today. Yet most of us plan finances like retirement is the finish line.Every len...
22/08/2026

50/50 odds of living to 95 if you're 55 today. Yet most of us plan finances like retirement is the finish line.

Every lender asks the same question when you apply for a mortgage in your 60s or 70s: what's your exit strategy if you retire before the loan's paid off?

Downsizing. Selling an investment. Super. Part-time income. All valid, if documented early.

Thinking about a home loan later in life? DM me "PLAN" and I'll help you build the exit strategy the bank wants to see.

20/08/2026

Rates up, rates down, valuations shifting. The clients who stay calm through it all have one thing in common: liquidity.

Cash buffers. Equity lines already approved. Shares that can be sold at call in a few days. It's not about predicting the market. It's about being ready for whatever it does.

If you're not sure how liquid your position actually is, that's a conversation worth having before the next shift, not during it.

Book a call today and let's look at your options.

Quick one that surprises almost everyone: your credit card limit, not your balance, is what lenders count against you. H...
20/08/2026

Quick one that surprises almost everyone: your credit card limit, not your balance, is what lenders count against you. Here's the rule of thumb, and why closing a card you barely use could be one of the easiest ways to boost your borrowing power.

Lenders assess your full credit limit, assuming it could be maxed out
Roughly every $10,000 in limit can cost about $50,000 in borrowing capacity
Closing or reducing unused cards is often a fast, easy way to improve your numbers

Want to see how your own cards are affecting your borrowing power? DM me "COMPARE."

Indicative only, confirm with me for your situation. General information only, not financial advice.

Address

Crows Nest, NSW

Telephone

+61407199199

Website

,

Alerts

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

Shortcuts

Share

Category