Ronald Gatbonton - The Scrub Suit Investor

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Ronald Gatbonton - The Scrub Suit Investor 👨‍⚕️ ED RN. Investor.
🏆 Multi-Award-Winning Australian Mortgage Broker.
👨‍👧 Doting Dad.

💡 Together, we can reach the wealth that’s right for you. 🇦🇺✨

We are here to help you Australia Wide. Residential Home Loans ( Investment, Owner Occupier, First home Buyers)
Commercial Property Finance
Complex lending
SMSF lending
Business Lending
Personal Loans

We support High net worth individuals, families and businesses. We endeavour to find the right solution suitable to your needs. Let us work together in achieving your goals!

08/10/2026

Dami maybe sa life

U have to factor that as well sa planning

Hindi lang ung now, isama mo si future

08/10/2026

Usapang pre approval.

Things i wish u know before its too late

06/10/2026

I wish you knew this now that you saved some for buying your first home

06/10/2026

Gusto mo ba nang first perfect home?

Pero how bout work towards it.

Hindi naman lahat perfect ang start, we all start from small steps, workinh towards big goals.

The important part is we keep doing to build that momentum.

Long weekend rate case studyClient is a 5% deposit scheme clientCurrently being seeking better rate.A banker is offering...
03/10/2026

Long weekend rate case study

Client is a 5% deposit scheme client

Currently being seeking better rate.

A banker is offering them
6.39% after the rate rise.

Their current interest is 6.44% after the rate rise.

So we had a look at the numbers

On a $386,000 loan, the difference between 6.44% and 6.39% is only 0.05%. That’s a very small pricing improvement, so the refinance costs matter a lot.

Assuming principal & interest, 30 years remaining, roughly:

Break-even

At roughly $13/month savings:

* $800 refinance cost → ~62 months / 5.2 years
* $1,000 refinance cost → ~77 months / 6.4 years

Even using the simpler interest-only effect, 0.05% × $386,000 is only about $193/year, so you’re still looking at roughly 4–5+ years to recover $800–$1,000.

That makes this a weak refinance purely on rate. ASIC’s MoneySmart specifically recommends comparing switching costs against the savings and checking how long it takes to recover those costs.

👉That is why when I get asked, how much is the lowest rate I can offer.

👉I politely respond to how can we challenge your current rate and strategy and get you closer to Your goals and avoid any unnecessary refinance cost. 🫡

02/10/2026

Where na you? Dito na me your new mortgage broker.

I get alot of clients telling me sana i met you earlier, pero thats ok. Move forward lang tayo.

Momentum is based on purposeful movement. If we get stucked in just being stagnant sa wrong moves sa buhay naten. When will u see the light sa finish line nang journey mo diba.

kaya mo yan, kwentuhan tayo tara.

30/09/2026

7pm Sydney time il be doing a first-home buyer kinda webinar tonight sa Kabayan AU property community

kitakits,

Hey team! 🫡Il do a live webinar today 7pm sydney time sa Facebook group. Link at comment sectionIf you just want to walk...
29/09/2026

Hey team! 🫡

Il do a live webinar today 7pm sydney time sa Facebook group. Link at comment section

If you just want to walk in and walk out come and join, tambay lang.

PS we will do discovery calls on monday 5th october kahit na holiday if ito ang free time nyo. Para wala na excuse na busy ako para sa goals ko 😝

29/09/2026

Such a special experience for our kids in Japan 🇯🇵❤️

They’re learning so much — not just about a new culture, but also independence, confidence, friendship and respect.

We’re so grateful to everyone at Forest Friend School for making us feel so welcome. An experience our family will always remember. 🇯🇵🇦🇺✨

Another rate rise today. 📈And there are 2 things I wouldn’t be surprised to see next:1️⃣ Cashback offers making a comeba...
29/09/2026

Another rate rise today. 📈

And there are 2 things I wouldn’t be surprised to see next:

1️⃣ Cashback offers making a comeback
Lenders may use incentives to encourage borrowers to refinance.

2️⃣ Ads promoting attractive interest rates
Especially rates that were available before the latest RBA increase.

But here’s the important part:

Don’t refinance because the headline rate looks good.
Refinance because the numbers make sense.

Before jumping on an offer, work out:

👉 How much will your repayment actually change?
👉 How much better will your monthly cash flow be?
👉 What are the discharge, application, valuation or other switching costs?
👉 How long will it take to recover those costs?

Because sometimes a lower rate — or even a cashback offer — doesn’t justify the upfront cost of refinancing.

The question isn’t:

“Is this rate lower?”

The better question is:

“Am I actually financially better off after switching?”

Run the numbers first.
Then make the move.

— Ronald
Your Filipino-Australian Mortgage Broker

Address

The Avenue
Heathcote, NSW
2233

Telephone

+61478011016

Website

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