Tom Morison Mortgage Broker

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Crows Nest, NSW
Tom Morison Mortgage Broker

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Director & Mortgage Broker, Amara, Manly NSW | 9+ yrs broking | MPA Top 100 Brokers 2025

01/11/2026

Half retired, plenty of cash, but the bank says you can’t service the loan?

My client’s loans had rolled off interest only, and he wanted to stay interest only until he sold his properties and cleared the debt. On standard servicing he didn’t qualify. A bullet loan gave him the borrowing capacity to follow that plan.

General information only, not financial advice. The whole loan is due at the end of the term, so you need a clear exit plan. Limited availability, subject to lender criteria.

01/11/2026

Unvested shares in your pay? Most lenders won’t count them.

If your shares vest over two to four years, you’re asking a lender to recognise income you haven’t received yet. Very few will, and it usually takes negotiation and knowing who to ask.

General information only, not financial advice.

31/10/2026

Same bank for every loan? That might be what’s holding you back.

Release the equity with one lender, then buy with a second. When no single bank carries all of it, some lenders may assess you more favourably.

General information only, not financial advice.

31/10/2026

Buying off the plan? You’re buying in one market and settling in another.

Two years between signing and settling is a long time. If values rise, great. If they fall, the valuation at settlement may not cover what you paid, and that’s where people get into trouble.

General information only, not financial advice.

30/10/2026

A record price means no comparable sales.

Suburb records, prestige homes, unique properties, mining towns: these are where short valuations happen most. Know the risk before you bid.

General information only, not financial advice.

30/10/2026

A decade of working together. Thank you, Erick.

Ten years is a long time to trust someone with your finances, and I don’t take it lightly. Thank you for the kind words. I’m glad it’s felt easy from day one, and I’m looking forward to the next ten.

29/10/2026

Bonus or commission part of your income? Keep a year of it in the bank.

If profits drop and the bonus doesn’t come, the repayments still do. One year of that income set aside after tax buys you time instead of mortgage stress.

General information only, not financial advice.

29/10/2026

Borrowing six times your income or more? It’s harder than you think right now.

APRA has limited how many loans banks can write at six times income or more. Getting to that level usually takes low expenses, low debts and often negative gearing. Non-bank lenders sit outside the limit.

General information only, not financial advice. Confirm with your accountant.

28/10/2026

Want your loan gone fast? Don't fix before you read this.

Fixed loans usually cap extra repayments and rarely come with a full offset. My clients wanted theirs paid off fast, so we went variable with an offset. Know what you'll put in before you lock in.

General information only, not financial advice. Suitability depends on your circumstances.

28/10/2026

Your equity is only as good as the valuation.

You can be expecting one number and get a very different one on the day. If your next purchase depends on releasing equity, plan for the valuation coming in lower than you hope.

General information only, not financial advice.

Address

Crows Nest, NSW

Telephone

+61407199199

Website

https://www.amaramortgagebrokers.com.au/, https://linktr.ee/Amaramortgagebrokers

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