Allegiance Home Loans Pty Ltd

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Epping, NSW
Allegiance Home Loans Pty Ltd

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Mortgage Broking Services specialising in residential mortgages - purchasing property - home or investment, refinancing, self managed super funds

Allegiance Home Loans Pty Ltd ACN 111 513 305
Credit Representative Number 397806
Licensee: BLSSA Pty Ltd ("BLSSA") ACN 117 651 760
Australian Credit Licence Number 391237

At Allegiance Home Loans, if you are looking for a Home Loan or Investment Loan, then you have come to the right place. Allegiance Home Loans will help you find the right home loan to suit your needs, and using our experience, we will make the home loan process as stress free as possible. Allegiance Home Loans has been established since the beginning of 2005 and prior to this, our staff have been working in the mortgage banking sector for over 15 years. As a mortgage broking business, we like to make you feel comfortable, come to your premises at a time that suits you, often after working hours. Allegiance Home Loans helps you to unravel the sometimes complicated and often confusing world of bank jargon, and explain everything in a language you can relate to. The main benefit of seeing our business is that we tell you the "positive and negatives" all of major Financial companies and we are able to compare interest rates at the same time. Saves you time and energy. Allegiance Home Loans is a Full Member of the:
- Mortgage and Finance Association of Australia (MFAA)
- Australian Financial Complaints Authority (AFCA)

Our Home Loan service is FREE and we are available to see you at a convenient time to suit you. Contact us to make an appointment. Mailing address: PO Box 4005, Carlingford North NSW 2118

03/11/2026

The rate rise nobody backed this Cup Day.

The RBA has increased the cash rate by 0.25 percentage points to 4.85%.

A small request to the Board - please don’t mistake the racing crowds for overflowing household budgets.

Some people simply need to let their hair down.

A fascinator isn’t a household balance sheet!

Here’s the catch…

Collectively spending less on non-essentials can help ease inflation pressure and create conditions for lower rates.

It’s only part of the picture, and many households have already cut back.

Your lender decides whether and when to change your home loan rate.

If another rise will stretch your budget, call us before repayments become a worry.

We can review your loan and talk through your options.

Disclaimer: This information is general in nature and does not take into account your personal objectives, financial situation or needs.

02/11/2026

My latest RateMyAgent review in Harris Park.
Credit Representative Number 397806
https://rma.reviews/x2r2n99l8611
..

02/11/2026

WHAT IS CROSS COLLATERALISATION?

Cross collateralisation is when a lender uses more than one of your properties as security for a single loan, or links multiple loans across several properties under one security pool.

In other words, your properties are tied together and the bank has a claim over more than one asset for the debt you owe.

In home lending, this often happens when you use equity from your current home to buy an investment property and the lender simply links both properties to one or more loans instead of keeping each property with its own stand alone security.

DOWNLOAD THE ARTICLE HERE:
https://tinyurl.com/8kxy73y7

(General information only. This is not personal advice. Consider your circumstances and seek professional advice before acting.)

30/10/2026

Wishing you a safe, joyful and memorable Halloween! 🧡

Whether you’re celebrating, getting creative or simply enjoying the festive atmosphere, we hope your day is filled with laughter, imagination and a little bit of magic. 👻

How are you celebrating this year? Share your plans or your favourite Halloween tradition in the comments!

29/10/2026

Recent industry and consumer studies show:

- A growing share of property investors are using brokers as part of their advice team, alongside accountants and financial planners.
- Across the broader market, brokers now facilitate around 80% of new home loans and a similar share of refinances, according to broking industry and media reports.

Australians are increasingly turning to brokers as their primary pathway to lenders, rather than navigating individual lenders on their own.

DOWNLOAD THE ARTICLE HERE

https://loom.ly/XZij9SQ

Disclaimer: This information is general in nature only and does not constitute personal advice.

28/10/2026

Type ‘Can I afford a home?’ into Google in Australia and you will be buried in calculators, checklists and blogs.

Many first home buyers walk into a meeting convinced they “can’t possibly borrow enough”, only to discover that their actual borrowing capacity may differ from a generic online calculator because lenders assess applications using broader criteria.

The gap between Google and reality has never been wider.
Most popular calculators work on a few simple inputs:
• income
• expenses
• interest rate
• existing debts

They then apply a standardised buffer and produce an indicative borrowing figure.

The problem is that lenders do not assess you that way. Australian lenders use detailed servicing models that build in higher assessment rates, minimum living expense benchmarks and policy rules around overtime, bonuses, rental income and more.

As a result, two people with the same salary can have very different borrowing capacities with the same bank.

👉 DOWNLOAD our article for the full breakdown

https://loom.ly/r7ZihqQ

If an online calculator has told you ‘no chance’, ask us for a proper assessment before you give up.
(General information only. This is not personal advice. Consider your circumstances and seek professional advice before acting.)

27/10/2026

🎉 AND THE WINNERS ARE… 🎉

The wait is over! We're excited to announce the TWO lucky winning entries in our Luxury Escapes competition! ✈️🌴

🏆 C Severino from NSW (postcode 2810)
🏆 D Braithwaite & L Connor from QLD (postcode 4173)

Thank you to everyone who entered and took part in our competition. We appreciate your continued support and look forward to sharing more exciting opportunities with you!

Keep an eye out for our next competition! 🌴✈️

26/10/2026

My latest RateMyAgent review in Gladesville.
Credit Representative Number 397806
https://rma.reviews/ybsgeuh57mq8
..

20/10/2026

THIS IS IT - LAST 24 HOURS ⏳🚨

Two winners. One final draw.

🎁 AUD$4,500 Luxury Escapes gift card, OR
💰 AUD$4,000 cash

Your last chance to turn it into:
🌴 a getaway
🎤 a live event
💆 a reset
🍽️ a night out
💰 or cash your way

Entries close tomorrow at 5pm AEDT.

👉 ENTER NOW: https://loom.ly/-H8A4GI
3 extra entries for every referral

Make this the moment you actually go for it. ✨

Win one of two luxury escape vouchers valued at AUD$4,500 or exchange for AUD$4,000 CA$H! Total prize valued up to AUD$9,000.

19/10/2026

Our finance team can help you understand your borrowing position, repayments and comfortable purchasing range.

Address

PO Box 4005 Carlingford North
Epping, NSW
2118

Telephone

+61432224489

Website

http://www.allegianceloans.com.au/

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