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Erik Reurts - Mortgage Broker Epping

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Epping, NSW
Erik Reurts - Mortgage Broker Epping

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Erik Reurts is a Mortgage Broker located in Epping, Sydney. I specialize in helping First home buyers and property investors get the finance they need.

From guarantor loans to First Home benefits to structuring, If there is a will, I find the way. Micah Finance Solutions is a specialist Mortgage and Finance Broker located in Epping, Sydney. The products/services we offer include home loans, car loans, investment loans, business loans, boat loans, new build loans, renovation loans, development loans, personal loans, debt loans, invoice loans, refinance, Commercial property loans, mortgages and property loans. Although we are located in Epping, we service clients from areas such as North Epping, Eastwood, West Ryde, Meadowbank, Ryde, Rhodes, Putney, Gladesville, Beecroft, Rydalmere, Ermington, Carlingford, Pennant Hills, West Pymble, Lane Cove, Riverview, Chatswood, West Pymble and all surrounding areas. If you are looking for the best Finance Broker in Epping, look no further.

03/11/2026

Moving on from any long term relationship, be it marriage or de facto, can attract a heavy emotional toll, but the financial impact can be far reaching and long lasting.

Finances are often left on the backburner as you focus on the emotional health of you and your family.

It may also be that this is the first time you have had the sole responsibility for your finances, are overwhelmed and don�t know where to start.

The key is to take action early. Click here for some steps to get back on track financially after a separation or divorce.https://www.mortgageaustralia.com.au/email/files/startingover.pdf

02/11/2026

🏡 A buyer's agent helped secure a property for $70,000 less than the buyer was prepared to pay.

That’s a huge difference, and a great example of why having the right professional on your side matters.

Buying a home means negotiating with experienced real estate agents who know how to create urgency and push for a higher price.

A good buyer's agent can help you:
✅ Negotiate a better purchase price
✅ Navigate auction pressure and agent tactics
✅ Avoid unnecessary stress and frustration
✅ Make more informed property-buying decisions

In this example, the buyer secured the property before the auction and saved $70,000 compared with their original budget.

Buying your first home? Don't assume you have to negotiate alone. Talk to a buyer's agent, understand the value they offer, and decide whether their services fit your plans.

📩 Get in touch to discuss your first-home buying journey. See the link in the comments.

💬 Would you consider using a buyer's agent if it helped you negotiate a better deal?

02/11/2026

Did you know that three in 10 mortgages arranged by mortgage brokers are in rural and regional areas, improving access to home lending for rural and regional Australians � in locations where there may be few or no bank branches. https://www.afgonline.com.au/broker/keep-competition-alive/

https://youtu.be/zsjxPB6ITRg

31/10/2026

Face the future with greater certainty with a fixed rate home loan.

One in five Australians taking out a home loan is now opting to fix their interest rate, according to a recent AFG Mortgage Index.

Not only are fixed rates proving popular in the midst of global economic uncertainty, many borrowers are cashing in on unprecedented, increased competition around fixed rate loans.

Traditionally, lenders have set fixed rates a smidge above the average variable rate. At the moment, however, many institutions are offering fixed rates below others' variable rates, prompting savvy borrowers to shop around.

The main benefit of a fixed rate is certainty. Regardless of shifts in the economic sands, your mortgage repayments stay the same, allowing you to budget with more confidence. If official interest rates rise, your mortgage repayments are unaffected. On the flip side, of course, if interest rates drop, you won't benefit.

With experts wavering on whether local interest rates will go up, down or nowhere over the next 12 months, now could be an opportune time to take advantage of special offers around fixed rates.

Some lenders, for example, are offering fixed rates at 0.8 per cent lower than the standard variable rate of other institutions. On a $300,000 loan, that equates to a $200 saving in interest each month.

Fixed rates are generally based on what the economy may do over the next three to four years, while variable rates are more aligned to the current cash rate, set by the Reserve Bank of Australia. At the moment, this is overlaid with the fact lenders are looking to drive movement in the market through competition.

Although Australia's economy is deemed very stable against the backdrop of the European debt crises and slow economic recovery in the United States, home owners have been happy to sit on the sidelines to see how it all plays out before making any decisions about buying and selling.

As a result, many financial institutions have been trying to entice us back in the game with competitive fixed rates.

As with all borrowing situations, your decisions should be based on your circumstances and financial goals. However, there are some basic pros and cons that apply to fixed rates that you should consider.

The biggest benefit of a fixed rate, is knowing exactly what your repayments will be for a set period - usually one to five years. This can be a real advantage if you are considering a career change, starting or expanding a family or have kids moving into private education, because it can ease the stress of budgeting.

On the downside, fixed rate loans tend to be more restrictive than variable ones. You usually can't make additional payments, plus lenders generally charge high break fees if you want to exit the loan during the fixed period.

If you want to tap into the benefits of both a fixed and a variable rate, consider splitting your loan so a portion of your debt is exposed to shifts in official rates - up or down - and the rest is locked into a set rate.

With official interest rates sitting at affordable levels and question marks hanging over which way they will head over the next 12 months, it's worth chatting with your local Mortgage Broker about fixed rates and what the market has to offer. It may be just the move to help you face the future with some certainty.

31/10/2026

Did you know that approximately 80% of Australians end up on some form of government assistance in retirement?

Did you also know that ONLY 20% of Australians invest in property?

Coincidence you think? I'd say not.

You could probably afford an investment property for less than the repayments on a small car. So rather than upgrading your car as soon as it is paid off, consider building wealth for your future.

Have a look at this short article for more details - Are You Driving Your Investment Property.pdfhttps://www.mortgageaustralia.com.au/email/files/areyoudrivingyourinvestmentproperty.pdf

30/10/2026

🏡 Buying your first home? Don't let inexperience cost you thousands.

Negotiating with real estate agents can be challenging when you're a first home buyer. From competing offers to auction pressure, it's easy to feel rushed into paying more than you planned.

That's where a good buyer's agent comes in.

🔑 They can help you:
✅ Develop a negotiation strategy
✅ Assess a property's value before making an offer
✅ Navigate agent tactics and auction pressure
✅ Save time, stress and potentially money

Yes, a buyer's agent charges a fee. But having an experienced professional on your side could make a real difference to your buying experience and the price you pay.

The key is finding someone who genuinely understands the market and puts your interests first.

📩 Buying your first home? Have a conversation with Micah Finance Solutions about building the right team around you.

30/10/2026

How to buy with a friend - without killing the friendship or your credit rating

Have you ever heard the expression, 'no friends in business'?

It's an oldie but a goodie.

This is the attitude you should bring when considering buying property with a friend.

Many good friendships have gone under the bus, and lots of people have taken a bullet to their credit rating by not giving this decision adequate thought.

So what are the risks involved with co-ownership, especially when you purchase with a friend?

What if one owner wants to sell?

One of the biggest problems with co-ownership is when one owner decides they want to sell the property, but the other owners don't agree.

This often ends up in court, and the process can be costly and upsetting for everyone. And needless to say - the friendship probably won't survive.

Buying could be harder in the future.

It might seem like the dream scenario to invest now with your best friend.

But if you decide in a few years to purchase a home to live in, the lender will assess your financial commitments based on the whole loan for the first property, not just the portion that you agreed to cover.

This could make it very difficult for you to get another loan.

You could be left holding the baby.

If something happens and your friend is unable to make their repayments, you could be left in the difficult situation of repaying the entire loan by yourself.

Coupled with your other living expenses, you might not be in a position to cover the whole amount yourself.

But there are some ways that you can reduce the risk, if you are keen to purchase property with a friend:

1) Put a legal will in place. It's important to make arrangements for what will happen to your assets if you pass away or become incapacitated.

2) Draw up a co-ownership agreement. If you can think about any issues that might possibly come up in the future, and have an agreement in place to solve them, you're less likely to wind up in court trying to work things out.

3) Choose the right structure - tenants in common, or joint tenants. Tenants in common can own a different portion of the property, and they need to specify in their will who will inherit their portion if they die. Joint tenants jointly and equally own the property, and if one person dies, their share automatically goes to the other(s) regardless of the instructions in their will.

4) Choose the right person. It's important to discuss your financial goals and values before you enter into this sort of arrangement. You need to feel comfortable knowing that your friend will be financially secure enough to keep up their end of the bargain - otherwise you might be left trying to cover the repayments alone.

It's important to think about your own relationships as well, if your partner is keen for you to buy a house together next year, you might want to think about how this first investment might impact your borrowing power.

30/10/2026

How many ways can you buy a swimming pool?

Question: How many ways can you buy a swimming pool?
Answer: At least 8 different ways that I can think of.

And not all of those ways may be suitable for everyone - here is my list.

Not everyone wants a swimming pool either. But perhaps a new car, maybe a boat, a motorbike or a decent holiday? A caravan or a new garage? An aeroplane even?

Doesn't really matter what it is, but if you need to spend a serious amount of money, it may be worth looking at some of the things you can do with your home loan to facilitate your new purchase.

You see, 6 of those 8 different ways I mentioned actually involve your home loan, so it's probably worth a look first, just to make sure.

That's where I can help. It doesn't cost anything to check out what would work for you, and then you can actually make an informed choice.

The least I can do is point you in the right direction and the privacy act ensures our conversation is entirely confidential.

What do you think?

Contact me and we'll see where you stand.https://www.mortgageaustralia.com.au/email/files/8waystobuythatpool.pdf

29/10/2026

🏡 Have debts? You could still be on your way to owning your first home.

Car loans, credit cards, personal loans, HECS-HELP and Buy Now, Pay Later accounts all factor into how lenders assess your borrowing capacity. But having existing debt doesn't automatically rule you out.

The key is understanding how your income, repayments, living expenses and savings work together.

💡 Before paying off every debt, get a clear picture of where you stand. The right strategy starts with understanding your full financial position.

🔑 Ready to explore your first-home options? Book a strategy call today and let's work through your numbers. See the link in the comments.

28/10/2026

Renovate or Evacuate? The pros and cons of renovating your home to sell.

So, you've decided it's time to sell your property. Perhaps your family has grown and everyone needs some space. Or maybe the kids have left the nest and you're ready for less maintenance and more travel.

You want to get the maximum price for your property with minimum fuss. But how much work should you do to prepare your home for sale?

If you like to watch a lot of DIY shows, you might have always dreamed of doing your own renovation rescue, and raking in the profits. But how much is too much to spend? Does it really mean a better selling price if you invest your life savings in a new kitchen?

Before you run down to the hardware store, let's look at the pros and cons...

Pro - Your property will appeal to people who don't want to renovate - such as families and professional couples.

Con - Your property will not appeal to buyers looking for a project of their own, and you could alienate these potential buyers.

Pro - You will add value to the property and take advantage of the profits, rather than leaving someone else to reap the rewards.

Con - The whole thing could backfire and you could spend loads on renovating without making much on the sale of the property.

Pro - Renovating could give you a competitive edge when there are similar properties for sale in the area.

Con - Buyers might not love your purple feature walls as much as you thought they would, and your taste could drive them away.

Pro - It might be just plain necessary to do some work before you can sell your property, depending on the condition.

Con - Renovating can be a real pain in the proverbial - are you ready for mess, stress and lots of aching muscles?

So how do you decide? There's no simple answer here, I'm sorry to disappoint you! If the pros and cons have your head spinning, try speaking with a few real estate agents. They should be able to give you an idea of what work should be done to achieve the price you want.

Address

2 Pembroke Street
Epping, NSW
2121

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 12pm
Sunday	9am - 5pm

Telephone

+61416179876

Website

https://micah.com.au/first-home-help

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