Mortgage Alley

27/10/2026

💰 Madalas ka bang mag-OVERTIME sa work? 🇦🇺🏡

Did you know that your overtime income may help you borrow more for your home loan? 👀

Yes! Some lenders can consider your overtime income when assessing your borrowing capacity.

But here’s the catch! ⚠️ Not all banks assess overtime income the same way. It depends on your employment, income history, and the lender’s policy.

💡 Choosing the right lender can make a difference!

Thinking of buying a home in Australia? Let’s check your borrowing capacity!

📩 Message Mortgage Alley today!

HomeLoanAustralia PinoyInAustralia

27/10/2026

🏡 PRE-APPROVED ka na? Sure na ba na maa-approve ang home loan mo? 🤔

Not necessarily! ❌

A home loan pre-approval is NOT a guarantee of final approval.

Your lender will still need to check the property, valuation, your financial situation, and any outstanding conditions before giving unconditional approval.

💡 TIP: Avoid making big purchases, taking out new loans, or changing jobs without speaking to your mortgage broker first!

Planning to buy your first home in Australia? 🇦🇺🏡

📩 Message us at Mortgage Alley and let’s get you home-loan ready!

PinoyInAustralia

12/10/2026

Had a little fun with AI and turned a first home buyer chat into a song! 🎶😂

From “Kaya ko na bang bumili?” to falling in love with the kitchen before checking the price—sound familiar? 🏡

Have a listen, and let us know which part is you! 👀

12/10/2026

How do mortgage brokers get paid? 👀

Usually, the lender pays us a commission for arranging your loan. It isn’t added as a separate fee to your loan, and using a broker doesn’t automatically mean a higher interest rate.

If the loan is paid out or refinanced early, the lender may claw back some or all of the upfront commission. We’ll explain how we’re paid and disclose it to you.

Questions about broker commission? Drop them below 👇

12/10/2026

Happy Birthday to the Director of Mortgage Alley! 🎉

10/10/2026

We thought we were buying a house. We’re choosing the place where our family’s favourite memories will happen. 🏡🤍

The Saturday mornings, birthday parties, movie nights and little moments we’ll remember forever. Because home isn’t just a place, it’s the people who make it feel like one.

Tag someone who makes any place feel like home. 🤍

07/10/2026

23/09/2026

🚗 Can you still get a home loan if you have a car loan?

Yes! Having a car loan doesn’t automatically stop you from getting a home loan. 🏠

However, your car loan repayments are considered an ongoing financial commitment and can reduce your borrowing capacity.

Do you need to pay off your car loan before applying? Not necessarily. It depends on your income, repayments, other debts, living expenses and overall financial position.

Before paying off any debt, find out how much difference it could actually make to your borrowing capacity.

22/09/2026

🏡 READY TO BUY YOUR FIRST HOME? 🇦🇺🇵🇭

Not sure where to start? We’re here to help!

Join JTerra Property Group for a FREE ONLINE First Home Buyer Information Session on 7 October 2026 at 7pm.

💻 Join from the comfort of your own home and learn about:

🏠 How to prepare for your first home purchase
💰 Understanding your budget & borrowing capacity
🔑 First-home buyer grants & support
📍 Choosing the right property and location
📋 What happens from making an offer to settlement
⚠️ Common mistakes first-home buyers should avoid
💡 Practical tips to help you become home-owner ready

Whether you're just starting to save, preparing for finance, or already searching for your first home, this session is for you!

🇵🇭 Open to Filipino Australians and all first-home buyers across Australia.

📅 7 October 2026
💻 ONLINE SESSION
⏰ 7pm onwards
🎟️ FREE — Registration Required

✨ Your first home journey starts with the right information.

Register today and take the first step towards owning your first home. 🏡❤️

JTerra Property Group
Building Futures Through Property.

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