Ross McFarlane Mortgage Broker

Ross McFarlane Mortgage Broker Helping Australians Create a better Financial Future.

25/03/2026

In sales? Earning good commissions?

So why does it still feel like you’re not getting ahead?

Most sales people are stuck in the same cycle.

It’s not about working harder.

It’s about how everything is structured.

20/03/2026

Not all banks are created equal.

Some banks do investment property finance, better than others.

19/03/2026

On a low doc home loan?

Have good repayment history?

Refinance ❌ without an Accountants Letter

Some clients have saved nearly 2% going from low doc, back to a traditional lender

Calendar link in bio

Didn’t know this was on my bucket list
02/02/2026

Didn’t know this was on my bucket list

SA Government listed my First Home Buyer course on their website. My 2026 goal is taking it down.Last year, I created a ...
11/01/2026

SA Government listed my First Home Buyer course on their website. My 2026 goal is taking it down.

Last year, I created a First Home Buyer course and got it listed on an SA Government website. I was proud of this.

But then 2026 arrives, and they update the First Home Grants. They also introduce a brand new scheme, where the Government will cover 30-40% of the purchase price, for eligible first home buyers.

This means the course is now outdated.

So I’ve taken it down, and I’m refilming the entire thing, over the next four weekends.

Not because anyone asked. But because leaving outdated information, doesn’t align with this year’s goals.

This is what sticking to your standards looks, even when no one’s watching.

Everyone sets goals when January ticks over. But most people lose momentum by February. The difference isn’t in the goals we set, it’s in holding ourselves accountable to them. Even when it’s easier not to.

Not starting from scratch, just staying committed. 2026 version in progress.

#2026

06/01/2026

Commission earners looking to borrow more from the bank: there’s a lending policy that can increase your borrowing capacity.

Very few banks offer this policy. Even fewer mortgage brokers know about it.

This is for Australian sales professionals only.

How does this work?

If your income has grown over the last 12 months, most banks assess on outdated figures, from your last tax return.

However, some banks can assess you on what you’ve actually earned in the last 12 months instead.

I’ve used this to help sales professionals unlock significant additional borrowing capacity for property purchases.

Sometimes over $100,000+ more in borrowing..

On the same base + commissions.

Watch the video for the breakdown.

If you’ve grown your income in the last year and looking to either upgrade your home, or buy an investment property, send me a message. I’ll guide you through which lenders accept this structure.

3 tips to pay off your mortgage quicker in 2026:1. Make one extra repayment per yearOn a $600k mortgage at 5.5%, one ext...
31/12/2025

3 tips to pay off your mortgage quicker in 2026:

1. Make one extra repayment per year

On a $600k mortgage at 5.5%, one extra annual repayment cuts around 7 years off your loan and saves approximately $120,000 in interest.

The easiest way: Split your monthly repayment into fortnightly payments. You’ll make 26 half-payments per year (13 full payments) instead of 12. One extra payment happens automatically.

2. Keep money in your offset account

$10,000 in an offset account on a $600k loan at 5.5% saves you roughly 1-2 years off your loan term and around $20,000-30,000 in total interest over the life of the loan.

The benefit: You get similar interest savings as making extra repayments, but the money stays accessible. If you need it for an emergency or opportunity, it’s there.

3. Buy an investment property and use it to clear your home loan

Here’s how it works: You buy an investment property while still paying off your home. The property appreciates over 5-7 years until it’s worth more than what you owe on your house.

Sell the investment and use the proceeds to pay off your home loan completely.

Now you own your home outright. You can then borrow against it for future investments, and because that new borrowing is for investment purposes, the interest is tax deductible.

You’ve essentially converted non-deductible home loan debt into tax-deductible investment debt.

24/12/2025

Calling leads, warm or cold, is a battle..

Not with the prospect, but with your own tonality.

Adding an upwards inflection at the end of your sentence, positions your statement as a question..

A question with an assumption.

An assumption that the prospect should know who you are.

There’s nothing worse than being at a bar or party and someone comes up to you, and you have no idea who they are.

This is what an upwards inflection achieves.

While the prospects mind is in overdrive, trying to figure out where you know them from..

You’ve just won yourself 30 more seconds of phone time to make your pitch.

Address

Keylend, 103b Jetty Road
Glenelg, SA
5045

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 6pm
Saturday 9am - 5pm

Telephone

+61423331084

Website

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