What are the 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

Patrick White - Aussie Mortgage Broker

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Australia
Gawler, SA
Patrick White - Aussie Mortgage Broker

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Taking the stress out of refinancing, purchasing, building your first home, debt consolidation and 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

03/11/2026

SA FIRST HOME BUYERS… did you know there’s a website dedicated to helping you find your brand-new home?

One of my clients is just two weeks away from getting the keys to his brand-new townhouse in Morphett Vale!

Here’s how it happened…

12 months ago, he jumped onto the Homeseeker website and found a 3-bedroom townhouse available as an off-the-plan purchase, with construction due to start shortly after.

He secured the property with just the initial deposit, with no loan repayments required until settlement.

Fast forward 12 months, construction is complete, settlement is just around the corner, and he’s incredibly excited to move into his very own brand-new home!

The exciting part? There are so many house and land packages and off-the-plan opportunities available through Homeseeker that could be worth exploring if you’re a first home buyer.

If you’ve been thinking about buying your first home but aren’t sure where to start, this could be a great place to look!

03/11/2026

Recently assisted 2 x first home buyers with a house and land package at Evergreen, Roseworthy.

At the start of 2026, both clients were unsure what to do or which direction to take.

After we spoke about budget and ideal location, both clients had signed a house and land contract within a month.

Both clients about to settle on the land in the next 2 weeks, then onto building!

Sometimes, you just need to speak to the right people and ask the right questions so you can move forward and make a decision with confidence!

So pleased for these first home buyers.

02/11/2026

Monday motivation

02/11/2026

One for my DARWIN friends.

I recently helped a young couple purchase a block of land with a construction contract submitted as a house and land package at the new development THE PARKS.

They were able to take advantage of the First Home Guarantee Scheme, allowing them to purchase with a 5% deposit, as well as qualify for the $50,000 NT First Home Owner Grant as build contract is signed before September 2027.

Purchase breakdown
• Land purchase: $265,000
• Upfront costs (stamp duty, conveyancing etc.): $16,000
• Construction costs: $425,000
• Total project cost: $706,000

What the clients needed upfront
• 5% deposit on land: $14,000 (rounded up)
• Upfront costs: $16,000
• Total required: $30,000

Loan breakdown
• Total cost: $706,000
• Less client deposit: $30,000
• Less NT First Home Owner Grant: $50,000
• Total loan required: $626,000

A great result for a young couple getting into their first home, and a good example of how these schemes can make building a home more achievable for first home buyers in the NT.

29/10/2026

You have some poor credit conduct/missed repayments on your credit file and want to apply for a home loan in the near future?

Like I do with all clients, part of my initial review is to review their credit file.

Occasionally, there may be poor conduct on the credit file (missed repayments on debts can be seen up for up to 2 years)

The good news?

We can take a step by step approach on how to mitigate these issues.

Step 1: Review credit file

Step 2: Discuss any issues with client, what was happening in your life at that time? Usually there is an explanation/life event that caused the missed repayments.

Step 3: Speak directly with the lender where the credit misconduct was, to see if they are open to amending the repayment history which will update on the credit file. This is not guaranteed to happen, but with a decent explanation this can be considered.

Other option?
If lender wont amend the file, and the client believes the repayment history isn’t fair based on the circumstances, they can speak to a credit repair agency, this is dependant on the circumstances of course.

The takeaway
Many lenders are actually flexible to still get your loan approved with minor credit issues like missed repayments etc, as long as there is some commentary around what happened at that time.

Poor credit conduct can also lower your credit score, and some lenders have a minimum credit score policy, so once again, we would choose a lender suitable to your circumstances.

I have helped many clients with these issues over the years, and as long as we take a proactive approach to get things resolved and plan to use a lender suitable for your credit file, there are always options... ***most of the time***! 😆

29/10/2026

Just assisted my clients to purchase this beautiful property, 8 Kelvin lane Mount Barker.

Mount Barker has gone bonanza in the last few years with many developments growing the population substantially.

Not too far from the city and the hills lifestyle, you can see why it’s a popular choice!

28/10/2026

My first home buyers just purchased 36 Mary Lane Cambrai.

20 acres which suits them as they have a bit of livestock.

Parents used as guarantors. Total deposit used 20k.

You can’t beat the country lifestyle!

27/10/2026

Just helped some first time buyers with the purchase of this block of land in Lower Light.

1393 sqm block for under 400k.

Comparing to land estates like Riverlea where a 440sqm block is selling for 420k, this was a more affordable option which they preferred to have the extra land and were happy with the location.

They are 19 & 21 years old.

Plenty of options out there, sometimes you just have to broaden the horizon!

26/10/2026

My client had signed a contract of sale to purchase a block of land at Riverlea estate in 2023 for 243k.

Some indigenous bones were found at the proposed area where my client was going to be building.

This delayed the land by quite some time and the client ending up being allocated a separate block of land as the proposed lots were not going ahead.

We spoke about his options and the plan was simple, be patient and it will work out.

Land is titling very soon and settlement shortly after, we just got a valuation of 425k for the land portion of a house and land build report.

This is a 182k increase in land value, and that is likely being conservative based on what blocks are selling for now.

Sometimes, when things are out of your control, you just need to be patient, and things will hopefully work out!

I am very pleased for my client who is a first home buyer!

25/10/2026

I was buying a coffee a day at an average of $5.50 x 365 days = $2007 per annum

Coffee machine purchased for $600

1kg bag of coffee beans for $36 which lasts approximately 1 month = $432 per annum

Year 1 savings $975 or $18 per week

Year 2 & ongoing savings $1575 or $30 per week

That’s what I call financial stability 😝😝😝

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

https://www.aussie.com.au/mortgage-broker/patrick-white/

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