Juan Cabrera - Loan Market

Juan Cabrera - Loan Market Assisting clients with home loans, investment property loans, refinancing, debt consolidation and asset finance.

The days of choosing between a coastal view and a stable career are over. The latest data from Ray White reveals the reg...
29/03/2026

The days of choosing between a coastal view and a stable career are over. The latest data from Ray White reveals the regions currently outperforming the pack aren't just pretty; they have genuine economic substance.

Emerging powerhouses like Mount Gambier (median $538k) and Townsville (median $653k) are posting massive growth rates (43% to 69%) because they remain affordable while offering strong job markets.

Markets driven by mining, agriculture, and infrastructure are proving the most resilient. Rockhampton leads this shift with a staggering 72.6% post-pandemic growth.

While high-end spots like Byron Bay (median $2.15M) have slowed, sub-$700k coastal markets with economic backbones are still surging by up to 43% annually.

The future belongs to regions that offer lifestyle appeal at accessible price points, backed by diverse employment bases. If you're looking for growth, consider the jobs, not just the waves.

In this fast-moving property market, understanding your borrowing capacity is essential to getting a timely offer over t...
25/03/2026

In this fast-moving property market, understanding your borrowing capacity is essential to getting a timely offer over the line. Here's why:

🏠 You can walk into an inspection on Saturday and make a confident, backed-up offer by Monday.

🤳 You’ll stop scrolling through properties that are $200k out of reach and focus only on the ones you can actually sign for today.

💔 Nothing stalls a home-buying journey than a "no" from a bank. Knowing your power keeps your search realistic and successful.

Send us a DM to talk pre-approval. 💬

Mortgage applications spiked 10.3%, hitting a 4-year high, driven by the strongest first-home buyer activity since early...
31/01/2026

Mortgage applications spiked 10.3%, hitting a 4-year high, driven by the strongest first-home buyer activity since early 2022, according to Equifax.

For first-home buyers this means intent is high, but affordability is still the main challenge.

Experts are recommending you avoid high-demand inner suburbs, identifying affordable suburbs within 60km of major cities, where your budget and government incentives work together.

Ready to find where your deposit will work hardest? DM me to find your sweet spot. 🔑

🛡️ It's Data Privacy Day. Cyber criminals can pretend to be your bank, asking you to click a link to "verify your accoun...
28/01/2026

🛡️ It's Data Privacy Day.

Cyber criminals can pretend to be your bank, asking you to click a link to "verify your account" or "prevent fraud”. This is called phishing.

If you receive an unexpected message from your bank or a lender asking for this private information, always assume it's fake. Close the message and contact them directly using the phone number on their official website.

Stay safe, stay secure and protect your digital privacy

ABS data confirms investor loans surged by an incredible 17.6% last quarter, reaching nearly $40 Billion in commitments....
24/01/2026

ABS data confirms investor loans surged by an incredible 17.6% last quarter, reaching nearly $40 Billion in commitments.

If you're planning to buy an investment property, you need a strategy that keeps pace with this fast-moving market.

Ready to get on board? Message us to review your borrowing capacity and lock in your finance strategy.

You've saved hard for the deposit, but we need to plan for those extra fees too. Beyond the deposit, here are some costs...
18/01/2026

You've saved hard for the deposit, but we need to plan for those extra fees too. Beyond the deposit, here are some costs to remember:

🏠 Stamp duty, this is often the largest extra cost.

⚖️ Conveyancing and legal fees, for the experts who handle the legal transfer of ownership.

🔎 Building and pest inspections, to check for any hidden surprises.

🚚 Removals and cleaners, the practical costs of moving day.

🛡️ Lenders mortgage insurance (LMI), if applicable (often for deposits under 20%).

My job is to see the complete financial picture. We plan for all these fees and look for a suitable loan.

Don't get surprised by extra costs. Let's make a clear plan together.

Ready to get ahead in the New Year? Saving for a deposit, want to boost your borrowing power or just paying down debt? I...
16/01/2026

Ready to get ahead in the New Year? Saving for a deposit, want to boost your borrowing power or just paying down debt? It all starts with the little things.

We make the big decisions easy, but your day-to-day choices are just as important. Small changes today can lead to big finance wins tomorrow.

How many can you tick off this month?

30/11/2025

That feeling when the loan finally settles? It's absolute magic. ✨

The weeks of collecting documents, the planning, the waiting - it all leads up to that one moment when the words "unconditional approval" land in your inbox. For us, that's one of the best parts of the job.

It's not just a loan; it's the keys to your future, the start of your family's next chapter, or the beginning of your investment journey. We live for the moment we get to share that excitement with you.

Ready to feel that relief? Let's get your application started.

26/11/2025

Did you know your family size is an important factor for your home loan?

Lenders increase your assessed Household Expenses for every person you support, which directly impacts your maximum loan amount.

Each dependant lowers the income lenders consider being available to go toward your mortgage repayments. Adding just one child could easily reduce your maximum borrowing limit by tens of thousands of dollars.

This is a crucial detail for your home-buying plan.

Planning your family's next move? Let's chat 💬

The way property markets change when there are interest cuts has shifted over the last decade. Ray White has highlighted...
22/11/2025

The way property markets change when there are interest cuts has shifted over the last decade. Ray White has highlighted the market segments that have benefitted the most:

🏖️ 2015/2016 cycle: The main winners were coastal lifestyle areas. Buyers were seeking affordability while still being able to commute to major cities, such as areas like the NSW Central Coast, when the cash rate fell from 2.25% to 1.50%.

💎 2019/2021 cycle: Demand shifted to the high-end. Premium suburbs in Sydney saw the biggest gains as homeowners took advantage of the ultra-low 0.10% cash rate to upgrade or invest.

🔑 Current cycle (2024/2025): The strongest demand has been in affordable outer suburbs, directly reflecting the struggles with housing affordability. We have seen a boost for first-home buyers.

Ready to see what rate cuts mean for your property strategy? Tap the link below to read the full analysis on our website. 👇
https://broker.loanmarket.com.au/loan-market-ellenbrook/blog/areas-benefitted-cash-rate-cuts/

Address

40 Main Street
Ellenbrook, WA
6069

Telephone

+61488012603

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