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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm

Julian Choo Loan Market

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Australia
Double Bay, NSW
Julian Choo Loan Market

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My vision is to make financing as simple as possible for everyone.

Inspired by my own mortgage broker who helped set up my family's finances for success, I made a decision to pay it forward by helping others unlock their true financial potential. I am your local mortgage broker, specialising in residential, personal and business finance in Kensington, Kingsford, Zetland and surrounding suburbs. Reach out today for your free, no-obligation chat (or get started online) and let me do the legwork for you. Get Started Online:
https://my.loanmarket.com.au/f9a400db-9d93-45c0-98b0-6a32fdc742c5 #/get-started

03/11/2026

Saving for your first home isn’t always exciting.

But the boring stuff is usually what moves the needle 🏡

Living at home a bit longer, if you can, can make a huge difference.

Using every government scheme or grant you’re eligible for matters too, because many of them can only be used on your first property.

Growing your income helps.

Cutting the big expenses helps even more.

The holidays.
The new car.
The personal loans.
The things that quietly push your timeline further away.

And the big one: manage your expectations.

Your first home probably won’t be your dream home.

And that’s okay.

The goal is to buy something you can actually afford, get into the market, and build from there.

Sometimes the smartest move isn’t the flashiest one.

It’s the one that gets you started.

02/11/2026

Every 0.25% move in rates costs this couple around $25,000–$29,000 in borrowing power 👀

That’s the part most buyers don’t see coming. Rates get discussed in terms of repayments — what it adds to the monthly — but the bigger effect is often what it does to the maximum you can borrow in the first place.

This calculation is for illustrative purposes only — your own numbers will depend on your circumstances and the lender.

On a $215,000 household income:
🏡 At 5.25% — around $1,275,000

🏡 At 6.00% — around $1,190,000

🏡 At 6.75% — around $1,115,000

A 1.5% shift takes $160,000 off the top. Same income. Same job. Same savings. Different suburb.
Which brings up something worth checking if you’ve been house hunting a while.

Borrowing capacity isn’t a number you’re issued once. It moves with rates, and nobody calls to tell you it’s changed.

So if you were given a figure earlier in the year and you’re still shopping with it in your head, it may not be the figure a lender would give you today. Pre-approvals typically last around three months for exactly this reason — the assumptions underneath them go stale.

It works in both directions, too. If rates ease, capacity lifts the same way. Buyers who got a disappointing number during a higher-rate period sometimes find the answer has changed without them doing anything at all.

And worth remembering: lenders calculate this differently from each other. The same income and expenses can produce six-figure differences in capacity between lenders, so a reduction at one bank doesn’t automatically mean the same reduction everywhere.

If you’ve been working off an older number, it’s worth refreshing before you make an offer. Feel free to get in touch if you’d like it checked. 🏡

02/11/2026

Buying a home comes with a lot of moments where you’re not quite sure what happens next.

Our job is to make sure that feeling doesn’t last long.

Huge thank you to Rohene & Kiran for sharing their experience — hearing it from the people who’ve been through it means more than anything we could say ourselves. 🙏

If you’d like to talk through your own situation, I’d welcome the opportunity to help. 🏡

31/10/2026

Four financial ghosts worth ghosting this Halloween 👻

They're not dramatic. They don't announce themselves. They just quietly follow your money around.

👻 The loyalty tax
Banks tend to save their sharpest pricing for new customers. Stay put long enough and you can end up paying more than someone who walked in last week. Your loyalty isn't being matched.
👻 Credit cards you never use
Lenders assess your limit, not your balance. A $10,000 card sitting in a drawer untouched still reduces what you can borrow, because the bank assumes you could max it tomorrow. Closing one you don't need can meaningfully lift your capacity.
👻 A rate you haven't checked in over a year
Plenty can shift in twelve months — your property value, your loan balance, what lenders are offering. None of it sends you a notification.
👻 Only ever asking one lender
One bank can only give you one bank's answer. Policies vary enormously on how income, overtime, casual work and HECS get treated — the loan one lender declines, another may approve without blinking.

The common thread? None of these cost you anything dramatic in a single month. They just cost you quietly, for years.

Easiest things in the world to exorcise, too. Usually a conversation rather than a project.

If any of these are haunting your finances, just send me a message 👻🏡

30/10/2026

If your profession lets you avoid LMI, don’t automatically assume the 5% Deposit Scheme is the best option 🏡

They can both help you buy with a smaller deposit, but they work very differently.

The 5% Deposit Scheme is a government scheme.

A professional LMI waiver is a lender policy.

And that difference matters.

The 5% Deposit Scheme is generally for first-home buyers buying a home to live in, and it comes with property price caps and conditions.

A professional LMI waiver may give you more flexibility, especially if you’re buying your next home, an investment property, or looking at a property above the scheme price cap.

But depending on your profession and lender, you may need a larger deposit.

For some buyers, the scheme makes more sense.

For others, the professional LMI waiver is the better fit.

The right question isn’t just, “What do I qualify for?”

It’s, “Which option suits my actual plan?”

If you’re eligible for both, compare the structure properly before choosing one.

29/10/2026

Your minimum repayment is designed to take the full 30 years. That's not an accident 👀

On a $600,000 loan at 6%, your repayment is about $3,597 a month. Of that first payment, $3,000 is interest — only $597 actually reduces what you owe.

That's why extra repayments work so well. Every dollar above the minimum goes straight at the principal, and the saving compounds from there.

Same loan, extra $200 a month:

📉 Paid off about 4 years earlier
📉 Roughly $106,000 less interest

Check first though: fixed loans often cap extra repayments or charge fees, and money paid into the loan is harder to access than money in offset.

If you'd like to know what this could do to your loan specifically, just send me a message 🏡

28/10/2026

Huge thank you to Adam & Chinzia for sharing their experience with us.

Every client’s journey is different — but the goal is always the same: make the home loan process clear, simple, and genuinely supportive from day one to settlement.

I’d welcome the opportunity to help you with yours. 🏡

27/10/2026

You might not be “not ready” to buy.

You might just not have a plan yet 🏡

A lot of first-home buyers put it off because they feel overwhelmed.

They’re not sure how much deposit they need.
They don’t know what they can borrow.
They’re unsure which debts matter.
They don’t know whether their income is enough.
And everything online starts to feel like noise.

But the truth is, buying your first home isn’t about feeling perfectly ready.

It’s about knowing what the next step is.

That could mean working out your borrowing power, setting a savings target, clearing the right debt, using the right scheme, or understanding what purchase price actually makes sense for you.

And that’s why general advice only gets you so far.

Even my videos are general.

Your numbers, your income, your savings, your debts, and your goals all matter.

So instead of guessing for another year, get a plan built around where you actually stand.

Want help working out your next step? Send me a message and let’s chat.

26/10/2026

Compound interest is one of those things that sounds boring until you realise how powerful it can be.

The simple idea is this:

Your money earns a return.
Then that return starts earning a return too.

Over time, that snowball can get bigger and bigger.

That’s why starting early matters so much. Not because you need to have a massive amount of money from day one, but because time does a lot of the heavy lifting.

Same with property and building wealth generally.

The earlier you understand the numbers, the earlier you can make a plan that actually suits where you’re trying to go.

Small steps now can make a big difference later.

If you’re trying to work out your next move, send me a message and we can talk through it 🏡

23/10/2026

A car loan, a credit card, and two BNPLs walk into your bank account 😅

Four different repayment dates. Four different interest rates. Four separate things to keep track of.

Consolidation means rolling those into one — usually at a lower rate, with one repayment instead of four.

Why it can help:

🏡 Lower interest. Credit cards often sit around 20%+. BNPL late fees add up fast. Home loan rates are typically a fraction of that.
🏡 One repayment. Easier to manage, harder to miss, less mental load.
🏡 Better cash flow. Freeing up a few hundred a month changes how the rest of your budget feels.
🏡 Cleaner borrowing position. If you're planning to buy or refinance later, lenders assess multiple debts and card limits unkindly.

Now the part that matters just as much:

⚠️ A longer term can cost more overall. Moving a 5-year car loan onto a 30-year mortgage lowers the repayment but can mean paying more interest in total — unless you keep paying it down at the old rate. That's the critical bit.
⚠️ Unsecured debt becomes secured. Credit card debt isn't tied to your house. Once it's in your mortgage, it is.
⚠️ It doesn't fix the cause. If the cards fill back up afterwards, you've got the original debt plus a bigger mortgage. This is the most common way consolidation goes wrong.
⚠️ There are costs. Break fees, application fees, possibly LMI depending on your equity.

So it's a genuinely good move for some people and a bad one for others.

The difference usually comes down to whether the repayment stays where it was, and whether the spending that created the debt has actually changed.

Worth running the numbers properly rather than assuming either way.

If you'd like help working out whether it stacks up for your situation, just send me a message 🏡

Address

356 New South Head Road
Double Bay, NSW
2028

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Website

https://broker.loanmarket.com.au/julian-choo/

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