Liam Nankervis - Mortgage Broker

25/06/2025

Your next steps to setting your property goals on fire 🔥

1. Keep connected

2. Reach out for education and free assessment of where you are now & where you could be

3. Work with us to save you time & money

0437 000 788
[email protected]

25/10/2024

Who should read this post?

💲 Anyone with a home loan rate over 6.3%

🗣 Anyone who has not spoken to their bank or broker in 12 months.

Why in the world would you stay with your lender instead of refinance your home loan if you can get a lower rate elsewhere?

Because it's EXPENSIVE! Honestly, I would prefer you stay with your lender than have to refinance.

Most people don't know this, you can pay $800-1,000 in fees to refinance.

The question you should ask.

Do the interest savings outweigh the costs?

If your bank could lower your interest rate, take it.

Doing this could save you thousands in refinancing.

Our office performs annual reviews for every client, contacting their lender and renegotiating their interest rate.

Usually we are saving over $1,000 yearly with the instant reduction of their interest rate. Sometimes we have to refinance the loan for their benefit.

What steps can you take today?

1️⃣ Call your lender and ask for the retention team. Tell them you are leaving unless you secure a better interest rate.

2️⃣ Request a discharge form.

3️⃣ Ask them again if this is the best they can offer.

4️⃣ Send me your interest rate to ask if it's competitive.

How do you prevent doing this every single year? Engage our team as your broker and home loan specialists who do this for you every year.

Did I say we don't charge a fee? No?

Well, we don't charge a fee.

0437 000 788
[email protected]
Liam Nankervis - Mortgage Broker

18/10/2024

“Working miracles as usual”

Wednesday after hours, good client texted me to get pre-approval, I get on the phone (again, did I say after hours?) ☎️

“There’s a property going to auction this Saturday, can we bid?”

Thursday morning we are onto it with updating information and documents, finalising forms for signing.

92% loan with LMI 🤢
Really tight servicing 🤷🏼
New jobs with gaps in employment 🙈

Submitted by 3:10pm Thursday

Fully assessed pre-approval at 10:28am Friday

Not a single question from the assessor - one-touch approval ✅✅✅

Now, wish them luck for the auction 🎯

Thanks Kelvin Ma & NAB

You need a broker to be efficient & execute.

Get our team on your side

Liam Nankervis - Mortgage Broker
📲 DM
📞 0437 000 788
📧 [email protected]

17/10/2024

Reconsider the relationship you have with your broker or banker.

Today, I wonder why it is people would not find themselves a GOOD broker?

I've just secured rates of 5.96% on a client's home loan, 6.47% interest-only for their investment property.

We're also getting $50,000 out for renovations and $80,000 for a car.

Any broker might get this as long as they are up with the times.

The real kicker ⤵️

They have issues on their credit report, where they were 4 months late on their credit card!

Most major lenders are auto-declining this one.

Not with our support, we knew who to go to.

Here's to having a good broker on your side 🥂🥂🥂

Need to reconsider the relationship with your broker or bank?

0437 000 788
[email protected]
Liam Nankervis - Mortgage Broker

16/10/2024

🏃‍♂️ I just completed a Half Marathon in 1:50 this weekend! 🏅

As I reflect on the training and the race itself, it struck me how many parallels there are between preparing for my first half marathon and the journey to buying a home. 🏡

Here’s what I learned along the way:

1. Consistency Matters – Just like training, consistently saving for a home deposit (even small amounts!) adds up over time. It’s about showing up, even on the tough days.

2. The Small Things Make a Difference – In running, focusing on the little things like nutrition and pacing makes a big impact. When it comes to getting a home loan, small changes like reducing debt or improving your credit score can significantly improve your borrowing power.

3. There Will Be Struggles – Training wasn’t always easy, and neither is saving for your first home. But those challenges make the reward even sweeter.

4. The Big Day is Just the Beginning – Crossing the finish line was a huge moment, just like getting the keys to your new home. But just like maintaining fitness, managing your mortgage well is the next step to success.

5. Surround Yourself with the Right People – Running with others who share your mindset makes the race easier (I think 🥵). It’s the same with home buying—having the right support from professionals & peers who are also adopting a saving behaviour goes a long way.

If you’re currently on your journey toward home ownership, remember it’s all about patience, consistency, and focusing on the small wins. If you need guidance along the way, I’m here to help you cross your own finish line!

If you made it this far. Let’s be real, I only made this post to tell you I ran a Half Marathon 😂

0437 000 788
[email protected]

08/10/2024

Dear Accountants, let's talk home loans for you and your clients.

What can you do? You can borrow up to 90% of property value/price with no Lender's Mortgage Insurance

What's it mean? Potentially faster & cheaper property acquisition - building portfolio.

What about your clients? Keep this in mind for them

1. Newly self-employed? They don't have to operate for 12 months to get a loan (and it does not have to be a low doc loan).

2. Paid a Director's Wage? We can look at ignoring company financials and liabilities and focus solely on the wage.

3. Things getting complicated? We can just look at 2 consecutive NOAs for your business clients.

☎ 0437 000 788

📧 [email protected]

08/10/2024

Guys, I don’t normally do posts like this

But when some banks have been increasing the rate for existing clients while new clients are offered a very different rate, that doesn’t sit well with me.

And when trying to renegotiate on behalf of clients, some lenders (crazily) would rather lose a client than be more competitive.
With some lenders having multi-billion dollar profits, they're
clearly pocketing the difference of the clients who are showing them loyalty.

It’s time to do something about this because if you haven’t had your loan reassessed in the last 2 years, you may be overpaying.

PM me and I’ll do a quick review for you so we can take the bank profits and put them back where they belong.

I'm happy to help, or I can just tell you if your bank should give you better

Liam Nankervis - Mortgage Broker
0437 000 788
[email protected]

07/10/2024

💥 Has your income been made up of casual work, PAYG contract income, overtime, allowances, or commissions? 💥

Good news! Your borrowing power may have just INCREASED as of October.

We can now annualise your income from the past 3 months, opening up more opportunities for you.

But here's the catch—NOT EVERY LENDER DOES THIS.

If you've been denied a loan in the past, let’s talk. This could be the game-changer you’ve been waiting for.

📞 0437 000 788
✉️ [email protected]

Send a message to learn more

23/09/2024

If you want to obtain pre-approval, do not go direct to bank.
Use a broker.

Why?

NOT EVERY LENDER FULLY ASSESSES YOUR PRE-APPROVAL.

Why not?

It's not their top priority to put man power toward something they may not make any money on (because there's no profit without actually buying a property and settling a loan).

Why would I want it fully assessed?

I expect that my lender has told me "you're good to go" because they actually looked at my position.

What's my point?

Don't trust a pre-approval unless your broker tells you it's been fully assessed.

And don't try to do it on your own.

18/09/2024

Newly self-employed and worried about your home loan options?

Been told that you are at risk of using more expensive lenders unless your ABN has been registered for more than 18 months?

Wrong.

Several times this year, I have used short-term self-employed income with a competitive major lender with ABNs registered for less than 12 months.

What's their rule? They will accept your ABN as short as 1 day.

However, you still need to prove the income recorded against a single tax return in order to use it.

So, if you started a business trading in June and net profit was still $60,000 (sign me up!) on the 2024 tax return, then you can use this income.

Have you only got your 2024 tax return to prove your business income?

Let's talk!

📞 0437 000 788
📧 [email protected]

Send a message to learn more