Mortgage Choice Shawna Lavis

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Mortgage Choice Shawna Lavis Buying a home or investment property is a huge achievement.

As your local mobile Mortgage Choice broker in Dandenong, my job is to find you a great home loan to match your purchase.

21/10/2026

A little vulnerability from the High Performance Summit at Hayman Island. ❤️

It’s easy to walk into a room full of incredibly successful people and suddenly start questioning whether you’re doing enough, achieving enough or even belong there.

But I’m reminding myself that success doesn’t look the same for everyone.

I’ve spent the last few years building my business, finding my voice, putting myself out there and creating a brand I’m genuinely proud of.

Someone else’s success doesn’t diminish mine, and I don’t need to measure my journey against theirs.

Sometimes you just need to stop questioning whether you deserve a seat at the table and start owning the one you’ve earned.

Here’s to celebrating our own milestones, embracing the journey and remembering just how far we’ve come.

03/10/2026

🇨🇦 Canadian open houses vs 🇦🇺 Melbourne open homes…

This is something I noticed years ago when I was visiting my sister in Toronto, and I’m curious whether it’s actually a Canadian thing or just something I experienced in Toronto.

We went to an open house around the Danforth and it was running for a couple of HOURS. People were coming and going, chatting with the agent, taking their time… and there were even snacks! 😂

Meanwhile, in Melbourne, it feels like:

“Open for inspection: 11:00–11:30am.”

Thirty minutes. Get in, have a look, register, get out. 😂

I’ve since realised that longer, more relaxed open houses are pretty common in other parts of Canada too, including smaller markets.

So Canadian friends… 🇨🇦

Is this normal where you live? Do your open houses run for a couple of hours? And are snacks actually a thing, or did I just luck into the Canadian real estate equivalent of a catered event? 😂

I’m genuinely curious!

01/10/2026

🇨🇦➡️🇦🇺 Things I didn’t know about buying property in Australia…

As a Canadian from Prince Edward Island, I knew about property taxes and PEI’s Real Property Transfer Tax.

But moving to Australia introduced me to a whole new property vocabulary 😂

Stamp duty. Land tax. LMI. Conveyancing. Council rates.

And one of the biggest lessons? 👇

🏡 The purchase price isn’t the same as the cost of buying a property.

There can be a whole list of additional costs depending on where you’re buying, what you’re buying and your circumstances.

It’s one of those things I wish someone had explained to me when I first arrived in Australia.

🇨🇦 Canadians, what surprised you about Australian property?

🇦🇺 First-home buyers, what property cost caught you off guard?

General information only. Property taxes, duties, concessions and other costs vary depending on your circumstances, property type and location. Always check the current rules and seek appropriate professional advice before making financial or property decisions.

30/09/2026

POV: Your mortgage just got a little more expensive… 🫠📈

The RBA has increased rates again, so if you haven’t reviewed your home loan in the last 6 months, this is your sign. 👀

Not saying you need to refinance. Not saying your loan is bad.

Just saying… let’s check before your mortgage starts eating into your coffee budget. ☕️😂

🚨 The RBA has increased the cash rate to 4.60%. 🚨 With the cash rate increasing, now is the perfect time to review your ...
29/09/2026

🚨 The RBA has increased the cash rate to 4.60%. 🚨

With the cash rate increasing, now is the perfect time to review your home loan options, because you could be paying more than you need to.

Plus, here are 20,000 more reasons to take at look at your options.

When you apply to refinance your loan by 18 October, you’ll automatically go in the draw to win $20,000! 💸

Ready to see if you could be getting a better deal? Send me a DM to get started!

T&Cs apply. Minimum loan amount of $250,000.

29/09/2026

📉 Property prices have fallen for five months in a row.

📈 Interest rates are heading in the other direction.

So what does that mean if you’re thinking about buying?

It’s tempting to focus on one headline and assume you should either buy now or wait.

But the reality is a little more nuanced.

A softer property market can create opportunities for buyers, but higher borrowing costs can affect your borrowing capacity and repayments.

That’s why I always come back to the same thing: know your numbers before you make a move.

What can you comfortably afford?
What happens if rates move again?
What does your borrowing capacity look like?
And what’s actually happening in the suburb and price range you’re looking at?

The market doesn’t come with a giant flashing BUY NOW or WAIT button. 😂

You need to look at the numbers and decide what works for your circumstances.

If you’re trying to make sense of the current market, I’m happy to help you work through the numbers.

24/09/2026

💳 You don’t ALWAYS need to cancel your credit cards before applying for a home loan!

It depends on your income, borrowing amount and overall position. Before making changes, talk to your broker and see what you actually need to do. 🏡

22/09/2026

💳 Can I get a credit card after my home loan settles?

This was such a good question from one of my followers, so I thought I’d answer it properly! 👇

While you’re going through pre-approval and waiting for settlement, it’s generally best to keep your financial position as consistent as possible. That means avoiding new credit cards, personal loans or big purchases on finance where possible.

Once your home loan has settled, your situation is different. Whether taking out a credit card makes sense for you will depend on your individual circumstances, budget and financial goals.

And if you’re wondering whether your existing credit cards could be affecting your borrowing capacity, it’s worth having that conversation before making any changes.

Not sure where you stand? A chat with a mortgage broker can help you understand your options and what may work for your situation. 🏠

Got a mortgage question you’d like me to answer? Drop it in the comments 👇

18/09/2026

As a Canadian living in Australia, I think it’s time we talked about the C word… 👀

Not that C word. 😂 CREDIT CARDS.

Here’s something that surprises a lot of people: your credit card limit can affect your borrowing capacity, even if you owe absolutely nothing on the card.

And if you’ve never had a credit card, personal loan or car loan, that doesn’t automatically mean you can’t get a home loan either. You don’t necessarily need a credit card to have a credit file or to demonstrate good financial conduct.

So before you increase that credit card limit, cancel it, or apply for one just to “build your credit”… it’s worth understanding how Australian lenders actually assess you. 🏡💳

Did you know this?

General information only. Lending criteria, credit assessment and borrowing capacity vary between lenders and individual circumstances. Not financial advice.

15/09/2026

A little bit about the person behind the mortgage broker 👋

In 2011, I arrived in Australia with one suitcase and around $6,000 to my name.

I was leaving Japan during a pretty uncertain time, and I had no idea what the next chapter would look like.

Fast forward 15 years, and I’ve gone from buying my first off-the-plan townhouse to finally upgrading to a standalone home.

It wasn’t overnight. There were plenty of sacrifices, saving, waiting, changing plans and figuring things out along the way.

And I think that’s part of why I love helping people with their own property journeys.

Because I know what it feels like to start with very little and wonder whether owning a home is actually achievable.

Sometimes it’s not about getting there quickly. It’s about working out the next step. 🏡

Anyway, that’s a little piece of my story that I’ve never really shared here. ❤️

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Dandenong, VIC

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