Mortgage Choice - Kate Kustreba

Mortgage Choice - Kate Kustreba Your local mobile Mortgage broker servicing the Hawkesbury. Your broker will advise whether they are a credit representative of Mortgage Choice or Smartline."

"Mortgage Choice Pty Limited (ABN 57 009 161 979, Australian Credit Licence 382869) and Smartline Operations Pty Limited (ABN 86 086 467 727, Australian Credit Licence 385325) are owned by REA Group Limited.

The new financial year is right around the corner. 🗓️ It’s the perfect time to set your property and finance goals for ...
19/06/2026

The new financial year is right around the corner. 🗓️

It’s the perfect time to set your property and finance goals for the next 12 months.
We can help you with a range of lending services, including:
-Reviewing your current home loan
-Upgrading your car
-Purchasing a new vehicle.
Book an appointment today to start the new year on the right financial foot.

If your budget is feeling the pinch with rising fuel prices and you’re considering a more environmentally and budget-fri...
05/06/2026

If your budget is feeling the pinch with rising fuel prices and you’re considering a more environmentally and budget-friendly car, an electric vehicle could be a good fit.

With EOFY right around the corner, now’s the perfect time to look at electric vehicle options, including potential Fringe Benefit Tax exemptions and lower, ‘green’ interest rates.

Reach out today to get started.

Wishing you a Happy Easter from the team at Mortgage Choice 🐰
04/04/2026

Wishing you a Happy Easter from the team at Mortgage Choice 🐰

Bridging loans can be a great option to secure your next move, but it’s important to go in with a clear strategy. Here...
30/03/2026

Bridging loans can be a great option to secure your next move, but it’s important to go in with a clear strategy.

Here are the top tips to consider when applying for a bridging loan: ⬇️

Pay interest as you go: Some lenders let you add interest repayments to your 'peak debt' rather than paying interest during the loan period. While this can help with cash flow management, it also increases your loan balance each month (and you'll pay interest on that new, higher amount). Paying the interest as you go keeps your peak debt from growing.

Avoid LMI: Try to keep your 'end debt' under 80% of your new home's value to avoid paying Lender’s Mortgage Insurance (LMI).

Watch the clock: Bridging loans are short-term, usually 6 to 12 months. List your home as soon as you can to avoid exceeding the timeframe.

Talk to a broker: We can guide you through the bridging loan process. We’ll walk you through your options and help you power your next move with confidence.

Rentvesting is a great option if you want to secure your place on the property ladder, but can’t afford to buy a home in...
26/03/2026

Rentvesting is a great option if you want to secure your place on the property ladder, but can’t afford to buy a home in the location or with the space you want.

There are pros and cons when it comes to this type of investment strategy. Here are a few to keep in mind:

Pros:
▪️ Enter the property market sooner
▪️ Live where you want to
▪️ Build equity and an income stream from your rental property
▪️Start building your investment portfolio.

CONS:
▪️ You’ll need to pay rent, plus any costs on the property you own but rent out
▪️ You’re not buying a house to live in
▪️ Rental rules will apply to the property you’re living in
▪️ Less certainty about your ability to stay in your rental property long term.

If you’re interested in rentvesting, there’s a lot to consider. I can work through the different options with you and help find the right investment loan for you.

Talk to us today.

Buying a home can feel overwhelming, but getting ahead of the game can be easier than you think. It all starts with know...
25/03/2026

Buying a home can feel overwhelming, but getting ahead of the game can be easier than you think. It all starts with knowing what not to do.

Your 2026 home loan journey starts with a simple conversation. Get in touch with me today.

Don’t settle for a higher interest rate – we can explore your loan options, including products like fixed-rate loans tha...
24/03/2026

Don’t settle for a higher interest rate – we can explore your loan options, including products like fixed-rate loans that could help you manage your repayments.

Plus, when you apply to refinance your home loan by 16 May, you’ll go into the running to win a monthly $5,000 prize, – giving you some much needed breathing room on your next mortgage repayment. T&Cs apply.

Reach out to schedule a home loan review today.

If you're considering making your next property move, it’s time to start thinking about your finance options. Here’s a...
21/01/2026

If you're considering making your next property move, it’s time to start thinking about your finance options.

Here’s a breakdown of the most common next steps:

Option 1: Sell First
This is often seen as the less risky option as you then have a clear budget for your next purchase. However, if you can’t find a new home quickly, you might need to find temporary accommodation. And, if you don’t purchase quickly, you could be priced out of a rising market.

Option 2: Buy First
You can take your time finding the perfect property at the right price, but you will need to be able to cover your existing mortgage and the mortgage on the new property until you sell your old home. This situation can result in sellers feeling pressured to sell their home more quickly.

Option 3: Simultaneous Settlement
When you line up the settlement dates for the property you’re selling and the property you’re buying. The funds from the sale of your current home are immediately put towards the purchase of your new home. However, this can be complicated to arrange and stressful if settlement falls through.

OR ... Secure a bridging loan. This option allows you to cover the cash flow gap between buying and selling a property. Bridging finance may suit those who want to buy before they sell and take their time to look for their next home.

We can access a variety of bridging loans through our lender panel, and can provide you with a tailored comparison of the pros, cons and financial implications of your different options to help you power your next move.

The best text we get to send! Behind every approval is a family's dream, a fresh start or a lifetime goal achieved. Bei...
19/01/2026

The best text we get to send!

Behind every approval is a family's dream, a fresh start or a lifetime goal achieved. Being the one who gets to deliver this life-changing news? That's the real privilege of being a mortgage broker. 🗝️

Talk to us today to get started on your home loan application.

Address

Hawkesbury, NSW
2756

Opening Hours

Monday 8:30am - 6:30pm
Tuesday 8:30am - 6:30pm
Wednesday 8:30am - 6:30pm
Thursday 8:30am - 6:30pm
Friday 8:30am - 6:30pm

Telephone

+61416197124

Website

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