Scott Baker-Senior Aussie Mortgage Broker

16/06/2026

Get backed by a broker focused on your best interests.

For years I’ve helped home savers become home buyers and helped homeowners review their home loan.

Whether it’s finding a more competitive interest rate, a more flexible product or improve their cashflow. I focus on matching the product to your needs.

13/06/2026

Want to help your adult kids buy a home without fronting up cash?

You may be able to use the equity in your home as a guarantor, giving the lender extra security. This can help your child avoid LMI when the deposit is under 20% and keep their LVR lower.

And because a lower LVR can unlock better pricing, your child may be able to access lower interest rates.

Different lenders on my panel have different options. Let’s talk.

07/06/2026

Your interest rate is priced on your risk. As you pay down your loan (and/or your property value goes up), your LVR drops, you’re seen as less risky and you can sometimes move into a lower rate tier.

If you’ve been on the same rate for years, it may be time to check what you’d be offered today.

03/06/2026

Imagine finding out later that you paid more interest than you needed to, paid for loan features you never used or missed an opportunity to improve your cashflow simply because you didn't know your options.

Life changes. Lending policies change. Your borrowing power can change too.

A simple conversation could save you money and help your loan work harder for you.

29/05/2026

So what does it mean in simple terms when it comes to your investor home loan?

If the rental income you receive doesn’t cover the costs of running the property and the loan interest, then you’re negatively geared.

That usually means the property is costing you money each month and in some cases that loss can be treated as a tax deduction depending on the tax rules and your situation.

28/05/2026

First half of the year is nearly done, so you might be thinking should I upgrade now or wait?

Whether it’s your home, your car or business equipment, I can help you look at what options are available and what you might not have considered.

Let me help take one item off your to do list.

Let’s chat.

24/05/2026

Interest rates change. Life changes. Goals change. A home loan that made sense years ago might not be the right fit today.

That’s why my service doesn’t stop once the loan settles.

20/05/2026

Behind most happy homeowners is a broker.

As a mortgage broker one of the advantages I bring is understanding the differences between lenders can assess differently.

Their policies, processes, products and lending appetite can vary significantly. Things like how you earn your income, your spending habits, existing commitments and credit history can all influence which lender may be the right fit for your situation.

That’s why I regularly meet with my lenders to stay across policy changes, product updates and opportunities that could benefit my customers.

Having a broker who understands lender nuances can make all the difference.

If you’re planning to buy, invest or refinance.

Let’s talk about your options.

16/05/2026

Federal budget measures can shape affordability and confidence. Which can influence when homebuyers make the move to purchase and homeowners refinance and review their home loan strategy.

If you’re wondering what the latest Budget could mean for your next move, this article may help. ⬇️

And I can help you understand your options.

Budget 2026 proposes negative gearing and CGT changes for property investors.

13/05/2026

Negative gearing changes have you wondering…

Can I still buy an investment property?
Does this affect my borrowing power?

Great questions. Let’s chat