Patrick White - Aussie Mortgage Broker

Patrick White - Aussie Mortgage Broker Helping people take the stress out of refinancing, purchasing, debt consolidation and much more. [email protected]
0492 129 418

I am passionate about helping people navigate and succeed their financial goals. My mission is to -

1 - Help people achieve home ownership
2 - Help people build wealth through property

A big congratulations to Riarna & Troy on purchasing their first investment property! After seeing significant growth in...
10/09/2026

A big congratulations to Riarna & Troy on purchasing their first investment property!
 
After seeing significant growth in their owner-occupied home in the last few years, they wanted to put that equity to good use and take the next step in building their property portfolio.
 
With Troy being self-employed, income verification can sometimes be a little more involved. However, as he had been paying himself a consistent wage from his company for over 6 months, we were able to keep things simple with Bankwest and verify his income using 6 months of payslips.
 
Putting the equity in their home to work has allowed them to add another asset to their portfolio and continue building towards greater flexibility in the future.
 
Congratulations to the whole family — including the pooch!

Life update, 01/09/2026 we welcomed our beautiful daughter Kalara into the world.Fair to say its been a crazy week!
09/09/2026

Life update,

01/09/2026 we welcomed our beautiful daughter Kalara into the world.

Fair to say its been a crazy week!

Proud to have been named the Aussie National Winner for Emerging Retail Broker for FY26.In my first full year, I was abl...
26/08/2026

Proud to have been named the Aussie National Winner for Emerging Retail Broker for FY26.

In my first full year, I was able settle $74 million in lending across a wide range of clients and scenarios. This included first home buyers, refinancers, upsizers, downsizers, clients rebuilding their finances, renovators, construction loans, guarantor loans, investors along with many other unique situations.

I worked with 16 lenders throughout the year, including HSBC, NAB, Westpac, BankSA, ING, Macquarie, Bankwest, CBA, La Trobe, ANZ, ME Bank, Pepper, Liberty, Firstmac, Homestart Finance and OwnHome.

I’m proud of the role I get to play in helping people navigate their finances and make the process as simple and straightforward as possible.

A big thanks to all the lender BDM's & my team at Aussie Modbury and Gawler for your continued support.

Of course a big thank you to everyone who trusted me with their finance journey this year.

I’m looking forward to what’s ahead!

A great result for a young couple taking their first step into the property market. I recently helped them purchase a bl...
24/08/2026

A great result for a young couple taking their first step into the property market.
 
I recently helped them purchase a block of land to build their first home.

Female applicant works at a primary school as an SSO and in OSHC during the school holidays. Male applicant is a few months away from completing his apprenticeship, with his base salary expected to increase from around $55k to approximately $84k once qualified.

Their goal was to secure their own block and start building as soon as possible, rather than waiting for their income and deposit position to improve.

After reviewing their options, we were able to get them approved through HomeStart for both the land purchase and construction.

The build is expected to take around 12 months.

Once completed, we’ll review their position and look at refinancing to a traditional lender, with both incomes expected to be significantly higher by then.

They couldn’t qualify with a traditional lender today, but that didn’t mean they had to wait.

They’ve secured their ideal block and can now move forward with their build rather than watching land and construction costs continue to rise.

Yes, the short-term interest cost is higher with Homestart, but for them, owning now outweighed the cost of waiting.

There are often more options available to first home buyers than they realise, especially when income or deposit is lower.

Every situation is different. My job is to find the right pathway for each client.

10 Questions You’ve Always Wanted to Ask Me 👀 I thought I’d do something a little different… Here are 10 questions you m...
21/08/2026

10 Questions You’ve Always Wanted to Ask Me 👀
 
I thought I’d do something a little different…
 
Here are 10 questions you may (or may not!) have wanted to ask me — with some honest answers along the way.
 
1. What’s something people would be surprised to learn about me?
🎤 I used to be the lead singer in a band.
 
2. What was my first job?
🍝 Dish pig at Fasta Pasta!
 
3. What’s been my biggest “I have no idea what I’m doing” moment?
😂 Becoming a Broker.
 
4. If I couldn’t do my current job, what would I be doing instead?
🐶 Full-time dog walker. No question.
 
5. What’s something about myself I’ve learned to appreciate more as I’ve gotten older?
⚡ Having ADHD has taught me that I can get a lot done quickly — I just need to channel that energy in the right direction!
 
6. If my life had a warning label, what would it say?
🔊 “Wear earplugs… I am VERY loud!”
 
7. What’s something small that can instantly make my day better?
☕ Coffee + 🏋️‍♂️ Gym. Simple things!
 
8. If I were arrested for something completely ridiculous, what would it be?
🚗 Road rage…
 
9. What’s the most embarrassing thing I’d probably do if nobody was watching?
🗣️ Talk to myself around the house. My wife regularly asks, “Who were you talking to?” or “What were you saying?”
 
10. If my friends had to roast me using only one sentence, what would they say?
🏉 “We can’t work out whether you’re a Crow or a Power supporter!”
SA footy FTW! 🦅⚡

Self-employed lending made easy. Think getting a loan while self-employed is difficult?It doesn’t have to be.Lenders hav...
20/08/2026

Self-employed lending made easy.

Think getting a loan while self-employed is difficult?
It doesn’t have to be.

Lenders have several ways to assess self-employed income, including:

• Latest year financials — some lenders may only require the most recent year if your numbers have improved.

• 2 personal Notice of Assessments

• 6 months of PAYG payslips — if you pay yourself a regular wage from your trading entity

• 6–12 months of BAS statements

Recently, I helped a couple of clients who pay themselves a regular wage from their company.

We were able to use just 6 months of payslips to verify their income — no need to rely on the company’s financials.

Simple, straightforward and the right solution for their situation.

If you’re self-employed, don’t assume getting a loan will be difficult. There may be more options than you think.

$165k in just over 2 years!My clients signed a contract of sale for their land at Gracewood, Mallala in 2024 for $184,90...
19/08/2026

$165k in just over 2 years!

My clients signed a contract of sale for their land at Gracewood, Mallala in 2024 for $184,900. They put down 10k deposit.

Their land has just titled and ready to settle today, The valuation on the land portion we received for their construction loan came back at $350,000.

That’s a $165,100 increase in just over two years.

An awesome result for my clients and certainly makes the wait for the land worth it!

It’s also a great example for first home buyers looking to build.

Some estates allow you to secure land with a deposit as low as $5,000, with the land not settling for another 6, 12 or even 18 months.

This means you can lock in today’s land price without needing the full deposit straight away.

While you wait for the land to settle, there’s also the potential for it to increase in value, just like it has for my clients.

If you’re thinking about building your first home and want to know what options are available, reach out and I’m happy to have a chat.

$165k in just over 2 years!My signed contract of sale and put 10k deposit down for their land at Gracewood, Mallala in 2...
19/08/2026

$165k in just over 2 years!

My signed contract of sale and put 10k deposit down for their land at Gracewood, Mallala in 2024 for $184,900.

Their land has just titled and ready to settle today, The valuation on the land we received for their loan came back at $350,000.

That’s a $165,100 increase in just over two years.

An awesome result for my clients and certainly makes the wait for the land worth it!

It’s also a great example for first home buyers looking to build.

Some estates allow you to secure land with a deposit as low as $5,000, with the land not settling for another 6, 12 or even 18 months.

This means you can lock in today’s land price without needing the full deposit straight away.

While you wait for the land to settle, there’s also the potential for it to increase in value, just like it has for my clients.

If you’re thinking about building your first home and want to know what options are available, reach out and I’m happy to have a chat.

Is a 0.10%, 0.20% or 0.30% lower mortgage rate really worth it?Here’s a simple example:Loan: $600,000Term remaining: 25 ...
17/08/2026

Is a 0.10%, 0.20% or 0.30% lower mortgage rate really worth it?

Here’s a simple example:

Loan: $600,000
Term remaining: 25 years
Current rate: 6.29%

A small rate reduction can make a difference:

6.19% — save approx.
$37/month or $444/year

6.09% — save approx. $73/month or $876/year

5.99% — save approx. $109/month or $1,308/year

But is refinancing worth it?

That depends on the costs involved, how long you plan to keep the loan and whether your current lender can offer you a better deal.

Sometimes you don't need to refinance at all — a simple rate review with your existing lender could be enough which i can help with.

If you haven't reviewed your home loan recently, it could be worth checking what you're currently paying versus what's available.

Well, it’s Friday.I was thinking about what story I could share this week that might be useful.I had a client come to me...
14/08/2026

Well, it’s Friday.

I was thinking about what story I could share this week that might be useful.

I had a client come to me looking to buy his first property.

The numbers:

- Income: $60k
- Deposit: $120k
- Current rent: $240 per week = Low living costs

We looked at a couple of different options.

Option 1: Build his first home in SA using HomeStart Shared Equity, the First Home Owner Grant and the stamp duty waiver on the land. Move in, then potentially rent out some of the rooms later.

Option 2: Keep his living costs low by continuing to rent at $240 per week, and use his deposit to buy a low-cost, high-yield investment property.

After looking at both options, he decided Option 2 was the better fit for him.

Step 1 - Get preapproved

Step 2 - I referred him to an Aussie Buyers Agent, who found a property within two weeks - a townhouse in metropolitan Melbourne.

Step 3 - All the due diligence and inspections were completed, and the whole process was pretty much stress-free for the client.

Step 4 - Contract signed

**Purchase price:** $405k
**Current rent:** $470 per week
**Loan repayments:** approx. $460 per week

For me, this is a great example of why it’s important to look at the whole picture rather than just moving on the first thought.

Understand the options.

Compare them.

Let the client choose the option that best suits their immediate and long term scenario and goals.

Then get it done.

Simple, straightforward and stress-free 🔑

Address

Gawler, SA
5118

Opening Hours

Monday 5:30am - 7:30am
Tuesday 5:30am - 7:30am
Wednesday 5:30am - 7:30am
Thursday 5:30am - 7:30am
Friday 5:30am - 7:30am
Saturday 7:30am - 10:30am

Telephone

+61492129418

Website

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