Brett Robson - AAP Finance Brokers

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Erina, NSW
Brett Robson - AAP Finance Brokers

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I pride myself on integrity, trust and discretion, always striving for my client's best outcome.

I’ve been lucky enough to have lived and worked on the Central Coast for the last 25 years and, during this time, I have developed a large network of contacts that allows me to share these with my clients. After a long and varied career with ANZ I decided to venture into the world of finance broking, allowing me to offer clients a much broader range of options for all of their finance needs. I pride myself of integrity, trust and discretion for my clients, seeking their best outcome at all times.

29/10/2026

In an industry that is quickly evolving, education is key. Conferences like the FBAA one that we attended today helps to reinforce that, whilst technology is
important, human interaction is the key. Personal service is what we pride ourselves on, AI tools simply help us to streamline the process.

02/10/2026

There’s a lot of uncertainty around at the moment with regard to interest rates, property prices and the economy. It’s never been more important to understand the needs of the client and make sure they are provided with options that are tailored to their own unique situation and are easily understood. We all have self-doubt but sometimes a message comes through which makes all the highs and lows of this business very worthwhile, like this one I received today.

“We just wanted to say a massive thank you for all your help over the last few months, we know from experience that other brokers weren’t anywhere near as helpful or hardworking as you were us, we really appreciate everything you have done for us. Also, thank you so much for the beautiful welcome gift, it was a really lovely surprise”

Whether it’s a small home loan increase, a new property purchase, or a business loan I aim to provide every client the same level of service and appreciate everyone that trusts me to help them. Thank you most of all to my beautiful family, here we all are at Callum and Liz’s wedding last week ❤️

07/06/2026

There is a wealth of lenders to choose from, there are also plenty of mortgage brokers, as mortgage brokers now account for more than 75% of all new loans.
Nothing is more rewarding than knowing that someone trusts you to help navigate their path to home ownership, especially when it's their first property.
It's comforting to know that people still desire personal service, that there will always be someone to answer the phone, text or email when they need you.
Thank you, Alex, for this opportunity, I never take it for granted and I am grateful for every client that comes my way.
Congratulations, what an achievement 🏠🏠

PS, AI didn't write this post for me 🤓

21/05/2026

Was a privilege to take Nick to his first ever PD day today in the city. He’s just starting his broker journey and is already on the right track. Professional development days are a great way to keep up to date with the unique offerings of the many lenders that we access to.
Broker introduced loans now represent also 80% of all new loans settled.
Let us do all the research for you, at no cost!
And yes, Nick is very tall, I am not 5ft 3.

09/12/2025

Getting into the Christmas spirit with my work colleague Anthony, and Michelle from Coast Shelter. It’s a privilege to be involved with such a great charity that works so hard, especially at this time of year, preparing over 500 hampers for local people.

12/03/2025

Do you ever fall into the comparison trap?

Do you scroll through Facebook or other social media posts and wonder why others have flashy cars, bigger houses or go on great holidays?

I do, and it takes a conscious effort to stop this happening, some days are better than others.

Sometimes it takes a reality check, like the one I had today, to shake you up and make you realise what is really important in life.

I went to a funeral today, I never met Blake personally, but I have known his dad Laurie for more than 25 years, I felt like I knew Blake, many people did.

When the family were sorting out Blake's things they found a speech he had prepared for his 50th birthday next year. Blake loved his family, and his family loved Blake, there was nothing more obvious to everyone present today.

Blake's proposed speech resonated to me.

"I have been quick to learn that all the flashy and shiny things in life slowly begin to fade, though the one thing that continues to shine in my world is the true connection and relationships I have formed with my family and friends."

Thank you Blake, thank you Laurie, you raised an incredible son.

04/03/2025

These are the moments that make my role so much more rewarding.
Congratulations to Jade, she is a very impressive person.
A hard-working NSW Paramedic who has just completed her first year on the job and, at the age of only 21, has now secured her first home.
Hard work, determination and maturity beyond her years.
It was a pleasure to work with you, thank you for the opportunity.
The NSW Ambulance service has a great asset, keep an eye out for Jade in the NSW Hunter Valley.

20/02/2025

So interest rates are down 0.25%, the first reduction in variable rates since November 2020, but how will that impact you?

1) If you are in the market for a new loan your borrowing capacity increases.
For a single borrower on an income of $100k, your borrowing capacity would increase by about $10k.

2) If you are current mortgage holder, your minimum repayments will decrease.
If you have a loan of around $600k with a remaining period of 25 years, your minimum repayment would decrease by around $20 per week.

How important is that $20 per week to you?

If you leave your repayments at the higher level, based on the above scenario, you could effectively cut two years off your loan and save $32,000 over that 23 year period.

Think hard before you reduce your repayments.

Check that your lender is providing you with a variable rate under 6%.
If they aren't give me a call.

17/10/2024

Do you have an existing SMSF Loan?

If you do, have you checked the interest rate?

Refinancing a Self-Managed Super Fund (SMSF) loan can save you money and improve your retirement savings.
Recently I met with a client who has an existing SMSF loan for a residential property with one of the big four banks.
Their loan has been in place for almost 10 years and their current variable interest rate is 10.22%.
They contacted the bank, but they weren’t interested in reviewing the rate.
Not only can I look to refinance this loan at around 7.2% but the new lender also offers an offset account for SMSF loans.
The interest saving alone, based on a loan of $350,000, will be more than $10,000 per year, not considering the positive impact that their large SMSF funds will have on the loan term when they are moved from a low interest cash management account to an offset account.

Check your rates.
Have you thought about refinancing your SMSF loan?
What questions do you have?

20/09/2024

I like to send my clients a little settlement gift and it's so nice to get a note of appreciation back from them. Their comments mean a lot to me and today I received a text from some new clients that were referred to me by a mutual friend.

"Oh Brett, what a lovely surprise. Thank you so much for this very kind gesture. I feel it is us who should be gifting to you for all your hard work, patience and assistance, guiding us through the maze. Thank you so much for this gift, it's extremely thoughtful and kind of you."

I love what I do and feel very grateful that I get to do what I love ❤

Address

Suite 3. 04 4 Ilya Avenue
Erina, NSW
2250

Telephone

+61456727851

Website

https://aapfb.com/best-mortgage-broker-central-coast/#team, https://www.linkedin.com/in/brettrobsonaapfb/

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