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Manpreet S Natt - Golden Mortgage

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Australia
Doolandella, QLD
Manpreet S Natt - Golden Mortgage

Home Loan
Refinance
Car Loan
Personal Loan
Credit Representative (CRN) 545482 is authorized under Australian credit License 384324
ABN 59 662 493 889

Home Loan
Refinance
Car Loan
Personal Loan
CRN 545482
ABN 59 662 493 889

03/09/2026

🏡💰Refinancing your Home Loan?

✨Interest rates have shifted—have you checked if your mortgage still makes sense? Refinancing could lower your monthly payments, reduce your interest rate, or help you tap into your home's equity.

📉 Lower your rate
💳 Consolidate debt
📆 Shorten your loan term
💵 Cash out for renovations or big goals

Let’s talk about how could you lower your repayment

💡 With changing interest rates, now is a great time to see how it benefits you. Let us guide you through the process and unlock the benefits of refinancing!

📞 Contact us today on 0468 428 286

📌 www.goldenmortgage.com.au

💸 Don’t wait—take the next step toward financial flexibility now!

Get in touch today, We can help you, to explore your loan options and also help you, to calculate your borrowing capacity.

Call me or Golden Mortgage on👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889

*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

27/08/2026

🌿🌼Spring always brings more listings and more competition. If you are planning to make an offer this selling season, here are four things worth knowing before you do.

✅Know how to make an offer correctly - Verbal offers carry no legal weight. In most states, offers are made in writing through a contract of sale or a formal offer document. Your conveyancer can walk you through the process before you get to this point.
✅Subject to finance clauses protect you - Including a finance condition gives you the ability to exit the contract if your loan is not formally approved. In a competitive market, some buyers waive this condition, which significantly increases their risk if finance falls through.
✅Cooling-off periods vary by state - Most states provide a short cooling-off period after signing a contract, typically two to five business days, during which you can withdraw. Auctions are excluded. Knowing your state’s rules before you sign is important.
✅Going unconditional is a serious commitment - An unconditional offer means no cooling-off, no finance clause and no exit. Only make an unconditional offer if your finance is fully approved and your due diligence is complete.

We can help you compare your options and apply for pre-approval before spring gets underway.

Get in touch today, We can help you.

Call me or Golden Mortgage on👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889

*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

18/08/2026

✨Looking for car Loan for your family car. We are here to assist you🚗🚘

Need assistance for| Car Loan | Personal Loan. please give me a call 👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN545482) is authorized under Australia credit Licence384 324. ABN-59 662 493 889

*This is general information only and is subject to change at any given time. Your complete financial situation will need to be assessed before acceptance of any proposal or product.

11/08/2026

RBA UPDATE | Effective August 12, 2026

The Reserve Bank of Australia (RBA) has held the cash rate at 4.35%, for a second consecutive time in 2026, a unanimous decision widely anticipated by economists and financial markets. However, the RBA has warned an increase again if needed.

Mortgage & Finance Association of Australia (MFAA) CEO Anja Pannek comments that this decision delivers a sense of stability and certainty for Australians when “making significant financial decisions.”

“Today’s decision provides greater stability around one important part of that picture and may give people who have been holding off on borrowing or investment decisions greater confidence to reassess their plans,” Pannek added, highlighting the importance of brokers in providing support and choices to clients.

According to Equifax’s new data, demand in Australian mortgage has continued to fall for the fourth consecutive month nationally, across all age groups. Lenders and brokers are experiencing this slowdown too, with overall mortgage demand 16.4% lower year on year in July. This slight certainty opens to the possibility of an increase in mortgage market activity from borrowers with buying and refinancing.

If you’re unsure of your next steps, a mortgage broker can help you make informed decisions on your financial future.

The RBA’s next meeting is scheduled for Tuesday, September 29.

31/07/2026

🏡 What if buying your first home is closer than you think?

Saving a 20% deposit isn’t the only path to home ownership.

The Australian Government 5% Deposit Scheme may allow eligible first home buyers to purchase a home with a minimum 5% deposit, without paying Lenders Mortgage Insurance (LMI). The scheme has also expanded, with no income caps and unlimited spots, making it available to more Australians who meet the eligibility requirements.

As a mortgage broker, I can help you:
✔ Check whether you’re eligible
✔ Explain how the scheme works
✔ Compare participating lenders and loan options
✔ Guide you from pre-approval through to settlement.

Let’s Get started. We can assist you to get right Home Loan that fit into your needs.

Let’s Talk📲
Manpreet Natt
📱 0468 428 286
📧 [email protected]
👨‍💻 www.goldenmortgage.com.au

14/07/2026

🏡🏠Your Dream Home Starts Here - Easy Loans, Zero Hassle!!

🏠🏡🏠Looking for Home Loan for your Family Home.
Let’s Get started. We can assist you to get right Home Loan that fit into your needs.

Let’s Talk📲
Manpreet Natt
📱 0468 428 286
📧 [email protected]
👨‍💻 www.goldenmortgage.com.au

Credit Representative (CRN545482) is authorized under Australia credit Licence384 324. ABN-59 662 493 889.

Your complete financial situation will need to be assessed before acceptance of any proposal or product.

30/06/2026

🏡 Is It Time to Refinance Your Home Loan? Here Are 5 Signs to Look For

With interest rates changing significantly over the past 12 months, many Australian homeowners could be paying more than they need to on their home loan. If you haven't reviewed your mortgage recently, now could be the perfect time.

Here are 5 signs it may be time to refinance your home loan:

✅ 1. You haven't reviewed your interest rate in over 12 months
Many lenders offer better rates to new customers than existing ones. A home loan review could help you find a more competitive option and potentially reduce your repayments.

✅ 2. Your fixed rate is about to expire
When a fixed rate ends, your loan usually moves to the lender's standard variable rate, which may not be the most competitive. Reviewing your options before your fixed term finishes can help you stay ahead.

✅ 3. Your property has increased in value
If your home has grown in value, your loan-to-value ratio (LVR) may have improved. This could make you eligible for a lower interest rate or even the removal of Lenders Mortgage Insurance (LMI), where applicable.

✅ 4. Your financial position has improved
A higher income, stronger credit score, or lower debts may mean you now qualify for home loan products that weren't available when you first borrowed.

✅ 5. Your lifestyle or goals have changed
Whether you've started a family, changed jobs, consolidated debt, or are planning renovations, your current mortgage may no longer suit your needs.

A refinance isn't just about getting a lower interest rate. It can also help you reduce repayments, access equity, consolidate debts, or choose loan features that better suit your current lifestyle.

As a mortgage broker, I can compare home loan options across a wide range of lenders and help you determine whether refinancing is the right move for your circumstances.

📩 Get in touch today for an obligation-free home loan review and see if your mortgage is still working for you.

Let’s Talk📲
Manpreet Natt
📱 0468 428 286
📧 [email protected]
👨‍💻 www.goldenmortgage.com.au

Credit Representative (CRN545482) is authorized under Australia credit Licence384 324. ABN-59 662 493 889.

T&C Apply..Your complete financial situation will need to be assessed before acceptance of any proposal or product.

19/06/2026

🏡 First Home Buyer? Here Are 5 Smart Moves to Make Before new Financial year

If you're saving for your first home, preparing for a home loan, or planning to buy property in the next 6-12 months, now is the perfect time to get organised before the new financial year begins.

Here are 5 important things every first home buyer should do before 30 June:

✅ Check your eligibility for government grants and schemes

The First Home Guarantee allows eligible buyers to purchase a home with as little as a 5% deposit and avoid paying Lenders Mortgage Insurance (LMI). Eligibility rules and available places can change each financial year, so it's worth checking where you stand now.

Don't forget to review first home buyer stamp duty concessions available in your state, as these can provide significant savings.

✅ Use your tax refund to grow your house deposit

A tax refund can provide a valuable boost to your savings. Instead of letting it disappear into everyday expenses, consider putting it straight into your home deposit fund.
Small decisions today can bring your home ownership goals closer tomorrow.

✅ Review your savings strategy
Are you saving enough each month? Is your money sitting in a high-interest savings account?

With interest rates changing over recent years, reviewing your savings account could help your deposit grow faster without any additional effort.

✅ Check your credit score and credit report

Before applying for a home loan, make sure your credit file is in good shape.

Look for:
• Incorrect listings
• Old defaults
• Unnecessary credit enquiries
Fixing issues early can improve your borrowing position and help streamline the approval process.

✅ Speak with a mortgage broker

If you're planning to buy your first home in the next 6-12 months, getting professional advice early can make a big difference.

We can help you understand your borrowing capacity, compare lenders, explore first home buyer incentives, and create a plan to achieve your property goals.

📅 The end of the financial year is more than just tax time. It's a great opportunity to strengthen your position and get one step closer to owning your first home.

Thinking about buying your first property? Reach out today for a personalised home loan assessment.

✅ Thinking of applying? Let’s chat about how this could help you get into your first home sooner!

Let’s Talk📲
Manpreet Natt
📱 0468 428 286
📧 [email protected]
👨‍💻 www.goldenmortgage.com.au

Credit Representative (CRN545482) is authorized under Australia credit Licence384 324. ABN-59 662 493 889.

T&C Apply..Your complete financial situation will need to be assessed before acceptance of any proposal or product.

16/06/2026

RBA UPDATE | Effective June 17, 2026

After three consecutive hikes, the Reserve Bank of Australia (RBA) has held the cash rate at 4.35%, with a unanimous decision signalling confidence that previous increases are working through the economy.

Despite the pause, the Finance Brokers Association of Australia (FBAA) outgoing CEO Peter White, cautioned that many Australians may be impacted by “rate creep,” and encouraged mortgage holders to review their loans and negotiate where possible.

“Many Australians are unknowing victims of ‘rate creep’, where lenders raise rates for existing customers while offering discounted rates to new borrowers. This means [they] could be paying more in repayments than [they] should be,” White added, highlighting that brokers could help customers assess alternatives and switch where appropriate.

According to Canstar, the three 2026 rate rises have added around $272 per month to a $600,000 loan with 25 years remaining. Roy Morgan research from March found 26.8% of mortgage holders (1.45 million Australians) are now at risk of mortgage stress.

Search activity reflects this strain, with “mortgage broker,” “mortgage stress,” and “mortgage help” all reaching record highs in Australia, exceeding levels seen during the 2008-09 Global Financial Crisis, according to Google Trends data.

If you’re feeling the pressure, consider reviewing your loan. A mortgage broker can help compare options and ensure you’re loan still suits your needs and goals.

The RBA’s next meeting is scheduled for Tuesday, August 11.

Address

Doolandella, QLD
4077

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	9am - 4pm

Telephone

+61468428286

Website

http://www.goldenmortgage.com.au/

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