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Paul Senior-Senior Aussie Mortgage Broker

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Australia
Fawkner, VIC
Paul Senior-Senior Aussie Mortgage Broker

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Call me now on 0409 708 071

30/10/2026

What is your perspective costing you financially?

I went up to the Eureka Skydeck and looked out over Melbourne - and all I could think about was how many people down there are looking at their finances from street level.

At street level you see the bills. The repayments. Maybe a home loan that feels out of reach.

From up here? Same city. Completely different picture.

Some of those people are closer to buying their first home than they think. Some are sitting on equity they've never put to work. Some are paying more than they need to every single month.

You won't know which one you are until someone actually looks at your numbers.

I CHECK.

Save this if your finances could use a fresh perspective.

DM me VIEW and let's have that conversation.

Paul Senior | Mortgage & Finance Broker | Melbourne's Northern Suburbs

29/10/2026

Did your car just kill your home loan?

One of the biggest mistakes I see from clients looking to buy a property or refinance is taking out a car loan or novated lease before sorting their home loan. They come to me excited. Brand new car. And then we run the numbers... and the deal looks very different to what they were expecting.

It's not about the car. It's about the order.

I check the repayments. I check the servicing. I check the lender policy. And most importantly... I check the order.

Drop ORDER in the comments and I'll walk you through the right sequence for your situation before you sign anything.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs

Credit assistance subject to individual circumstances, lender criteria and approval.

28/10/2026

1.75 million Australians are estimated to be at risk of mortgage stress. And the biggest mistake you can make is doing nothing.

Mortgage stress doesn't always start with a missed repayment.

It starts with dipping into savings just to get through the month. No longer paying your credit card off in full. Deciding which bills get paid this week and which ones can wait. These things become your new normal - until one unexpected expense pushes everything over the edge.

You may have options. A better rate. Refinancing. Debt restructuring. Hardship assistance.

Not every option suits everyone. But the earlier you have the conversation, the more opportunities you may have.

Drop REVIEW in the comments or send me a private message and let's see what options might be available to help you breathe again.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs.

Credit assistance is subject to individual circumstances, lender criteria and approval.

23/10/2026

Your financial position is the setting. The property is the diamond. And before we chase the diamond, I want to know whether the setting underneath it is strong enough to hold it.

Unstable income. A new job. Relationship pressure. Overspending. Gambling on statements. Something sitting on your credit file. Too much debt.

Here's what most people don't hear - those issues don't automatically mean you can't buy. They mean the setting needs strengthening first.

And sometimes that's a 90-day fix. Sometimes it's less.

There's no point chasing the diamond if the foundation underneath it isn't ready to hold it in place.

Drop HOME in the comments and let's find out how strong your setting actually is.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs.

Credit assistance is subject to individual circumstances, lender criteria and approval.

22/10/2026

Every morning I drive my son to school through Fawkner.

Six VicProp SOLD stickers on the way.

Some sold at auction. Some sold prior. Some never even hit the open market.

But I don't actually care how they sold.

Because in almost every single case, the buyer already had their finance in place.

Right now we're in a buyers market in Melbourne's north. Less competition. More opportunity.

But only if you're ready to act when the moment comes.

If a property you wanted passed in at auction this weekend, would you be ready to pounce - or would you watch someone else walk through that door?

Drop HOME in the comments and let's make sure you're ready before the next SOLD sticker goes up.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs.

Credit assistance is subject to individual circumstances, lender criteria and approval.

20/10/2026

I had a client come to me last week who had already made an offer on a property.

She'd checked her credit score online. 700. Good.

Except when we properly checked her credit position, the score came back at 586.

That's a very different conversation.

Most people think: I pay my bills. I'll be fine. But lenders look at more than that.

Buy Now Pay Later, repeated credit applications, late repayments - any of those can affect what a lender sees.

And here's what most people don't know. The score you checked online and the score your lender sees are not always the same number.

I CHECK.

Save this and send it to anyone thinking about buying their first home.

Your credit file is something you want to understand before you find the house.

Comment HOME and I'll help you understand what lenders may see before you start making offers.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs.

Credit assistance is subject to individual circumstances, lender criteria and approval.

19/10/2026

From 13 October 2026, Victoria extended its rental safety requirements to existing rental agreements - not just new ones.

If you own an investment property in Victoria, you now need electrical safety checks completed every two years. And if your property has gas appliances, fixtures or fittings, gas safety checks are required every two years as well.

Before you book anything, ask your property manager for the date and report from the last electrical and gas checks. If either is more than two years old, arrange a new inspection with a licensed electrician or gasfitter. And remember - the inspection may not be the only cost. If something doesn't meet safety requirements, repairs or upgrades are on top of that.

But here's what concerns me as a mortgage broker. Most people buy an investment property focused on the rent coming in and the mortgage going out. Property management fees, council rates, insurance, maintenance, vacancy periods, safety inspections and compliance costs are the expenses that quietly change the numbers.

Being able to buy an investment property is one thing. Being able to comfortably afford it is another.

Drop HOME in the comments and let's look at the full numbers before you buy.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs
Credit assistance is subject to individual circumstances, lender criteria and approval.

18/10/2026

A Melbourne property went to auction this weekend with a $1.1 million reserve.

It sold for $1.01 million. That's $90,000 less than the vendor wanted.

And under Victoria's new rules, that reserve was published seven days before auction day.

So buyers knew exactly what the vendor wanted going in.

But knowing what the vendor wants and knowing what YOU should pay are two completely different things.

Before you raise your hand at auction there are four numbers you need to understand.

Drop HOME in the comments and let's make sure you know all four of them before auction day.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs.

Credit assistance is subject to individual circumstances, lender criteria and approval.

14/10/2026

Victoria just changed the rules for homeowners building or renovating - and most people have no idea this exists.

From 1 July 2026, a new Home Warranty insurance scheme means you may be covered for incomplete, defective or non-compliant building work - even if your builder is still trading but refusing to fix the problem.

Under the old rules, you generally needed your builder to have died, disappeared or become insolvent before you could make a claim. That's changed.

Up to $400,000 in assistance per home, subject to eligibility, limits and exclusions.

But getting your construction loan approved doesn't mean the build goes smoothly. You need to understand your progress payments, your contingency funds, and whether the right insurance is actually in place.

Building your dream home should be exciting. Not a financial nightmare.

Know someone who's building or planning to renovate? Save this and share it with them.

Drop HOME in the comments and let's talk through your construction finance options.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs
First Home Buyers | Refinance | Construction Finance | Investment

12/10/2026

Remember getting your school report?

You could tell Mum and Dad you'd been working hard all term... but eventually the report turned up.

In black and white.

Your credit file works the same way.
Credit cards, personal loans, repayment history, credit applications and Buy Now Pay Later facilities. Your Credit file you keeps score and potentially shows up issues you don't even know are there.

You can earn a bloody good income and still have a problem getting a competitive home loan if your credit file isn't clean.

And the worst time to discover that? After you've found the house you love.

I CHECK.

That's why your credit position is one of the first things I want to understand before we apply. If you know there's an issue with your credit file - or you're simply not sure what's on it - drop HOME in the comments and we'll look at it together.

Paul Senior | Mortgage Broker Melbourne Northern Suburbs.

Credit assistance is subject to individual circumstances, lender criteria and approval.

Address

Fawkner, VIC
3060

Opening Hours

Monday	9am - 10pm
Tuesday	9am - 10pm
Wednesday	9am - 10pm
Thursday	9am - 10pm
Friday	9am - 6pm
Saturday	9am - 5pm
Sunday	9am - 5pm

Website

http://www.aussie.com.au/Paul.Senior

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