Rebecca Morgan: Finance Broker

Rebecca Morgan: Finance Broker Rebecca Morgan is the Lead Broker at My Mortgage Concierge and has 16 years experience working in the finance and mortgage space.

Rebecca is extremely knowledgeable and meticulous with the capability to manage even the most complex of loan applications. At Sattouts we cultivate and inspire long term relationships with our clients and in doing so enable them to reach their financial and property ownership dreams

The finance team at Sattout Accounting Services provides home owners and investors with financial solutions and ex

pert advice through honest, knowledgeable, friendly service. We save you time and source suitable solutions to enable you to achieve your property ownership and investment goals. Our family business has been running for more than 35 years. Our team of Mortgage Brokers will work tirelessly to find a finance solution that meets your needs. We aren’t scared of a challenge! With a large self-employed and investor client base we have years of experience presenting complex scenarios to lenders and getting the right results. Authorised under Australian Credit Licence number 392736.

The hardest part of upsizing isn't finding the house. It's the order you do things in.Most Inner West families we speak ...
09/06/2026

The hardest part of upsizing isn't finding the house. It's the order you do things in.

Most Inner West families we speak to are stuck on the same question: do we sell the apartment first, or buy the house first?

Sell first, and you might be renting in limbo when the right house finally appears — or worse, feeling pressured to settle for one that isn't quite it.

Buy first, and you're staring down the prospect of carrying two loans at once, hoping the apartment sells in time.

Neither feels comfortable. And that discomfort sends a lot of good buyers back to the sidelines.

But the "sell first or buy first" panic is usually a structuring problem in disguise — not a luck problem.

With the right setup — bridging finance, accessing equity the right way, or a buy-before-sell strategy that's been properly stress-tested — the order stops being a gamble. You get to move when the right house turns up, not when the timing happens to align.

Structure before suburb. Get the finance sequence right, and the rest gets a lot calmer.

If you're weighing up a move and the timing has you stuck, this is worth mapping out early.

My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.*

Waiting years to "avoid LMI" can cost you more than the LMI ever would.LMI — Lenders Mortgage Insurance — is a one-off c...
07/06/2026

Waiting years to "avoid LMI" can cost you more than the LMI ever would.

LMI — Lenders Mortgage Insurance — is a one-off cost that protects the lender when your deposit is under 20%. It doesn't protect you. So the instinct to dodge it makes sense.

But here's what gets missed.

While you spend three years saving the extra deposit, the market doesn't sit still and wait for you. The deposit goalpost moves with it. Some buyers save harder, longer, and still end up further from the door.

That doesn't mean LMI is always the right call. Sometimes waiting is the smarter, safer move. It depends entirely on your numbers, your timeline, and whether buying sooner leaves you with room to breathe afterwards.

The point is this: LMI isn't a penalty for failing to save enough. It's a tool. The real question isn't "how do I avoid it" — it's "does paying it get me into the right position sooner, without stretching me thin?"

That answer is different for everyone. It's worth running the numbers properly before you write it off.

If you want to see how this maths out for your situation, happy to walk you through it.

My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.*

04/06/2026

Think a fat offset balance means a smaller mortgage repayment? Not quite.

Here's what trips a lot of borrowers up.

With most lenders, the money sitting in your offset reduces the interest you're charged… but on a principal and interest loan, it doesn't lower your minimum monthly repayment. Your repayment stays the same; what changes is the split. Less of it goes to interest, more goes to paying down the loan. So you're still paying off the loan faster, just without seeing it in your monthly figure.

(Quick jargon check: an offset is a transaction account linked to your loan. A dollar in there "cancels out" interest on a dollar of your mortgage, while staying available for you to use.)

So why hold a big buffer in there anyway?

Because that money is doing two jobs at once. It's quietly saving you interest, and it's sitting ready if life throws something at you: a rainy-day fund, a planned expense, a gap between incomes. That flexibility is the whole point.

Saving interest and freeing up cash flow aren't the same thing. If your monthly commitment is tight, a big offset balance won't loosen it — that needs a conversation about structure, not just savings.



My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.

There's a strange thing happening in the market right now… and most buyers are only noticing half of it.One door swung w...
02/06/2026

There's a strange thing happening in the market right now… and most buyers are only noticing half of it.

One door swung wide open. From late 2025, the expanded 5% Deposit Scheme dropped its income caps, removed the limit on places, and lifted the Sydney property price cap to $1.5 million. From January this year, eligible first home buyers can buy with just 5% down and skip Lenders Mortgage Insurance.

On paper, that's a real unlock.

But a second door has been quietly narrowing at the same time. The RBA reversed course in early 2026, and because lenders assess you at your rate plus a 3% buffer, borrowing capacity has slipped for a lot of buyers — without them spending a cent.

A 5% deposit gets you eligible. It doesn't get you ready.

The scheme tells you the minimum deposit. It says nothing about whether you can borrow enough, with the right lender, and still have breathing room once you've moved in. Borrowing capacity isn't the same thing as lifestyle comfort; and the bank's maximum is a ceiling, not a target.

The buyers doing well right now didn't try to pick the bottom. They got their structure right first.

Swipe through for the full picture 👉

If you're weighing up the 5% scheme for your first home or next move, it's worth modelling your real position (across lenders, with a proper buffer), before you start inspecting. Happy to walk you through it.

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My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.

The bank said no. The numbers said yes.A self-employed couple came to us last month, deflated.Two years of strong busine...
01/06/2026

The bank said no. The numbers said yes.

A self-employed couple came to us last month, deflated.

Two years of strong business growth. Healthy income. A deposit they'd worked hard to save.
And a flat "no" from their bank.

The problem wasn't their money. It was how it was being read.

Their most recent financials showed a big jump in income… the kind that should help an application, not sink it. But their bank averaged two years of figures and ignored the trend entirely. On paper, they looked smaller than they actually were.

Here's what most people don't realise: self-employed income isn't assessed the same way everywhere.

Some lenders average two years. Some take the most recent year. Some add back specific expenses: depreciation, one-off costs, interest on debts being refinanced. The same borrower can look completely different depending on who's holding the file.

We didn't chase a sharper rate. We didn't ask them to earn more.

We matched their situation to a lender whose policy actually fit how their business had grown… and structured the application so the story was clear before anyone questioned it.

Same couple. Same numbers. A different yes.

The lesson isn't "banks get it wrong." It's that a knock-back is often a policy mismatch, not a verdict on you.

If you're self-employed and have been told no — or you're bracing for it — it's worth understanding why before you accept it as final.

Happy to walk you through how your income might be read differently.

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*My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.*

There's a moment in most property deals where someone says, "I'll just check with my accountant."It's usually two weeks ...
28/05/2026

There's a moment in most property deals where someone says, "I'll just check with my accountant."

It's usually two weeks too late.

The traditional model has each professional working in their own lane. The broker does the loan. The accountant does the tax. The solicitor does the contract. The buyer's agent does the search. Everyone's competent. Everyone's polite. And everyone's optimising for their own piece of the puzzle.

The problem is that property decisions don't live in lanes.

A loan structured for maximum borrowing capacity can quietly undo a tax strategy that took three years to build. A contract clause that looks standard can blow up a settlement timeline if the lender hasn't seen it. A trust structure that makes sense for asset protection can disqualify you from the lender you were counting on.

I've watched all three happen. Not because anyone did anything wrong… but because nobody was talking to anyone else until the deal was already in motion.

The way we work at My Mortgage Concierge is different, and deliberately so. Before a client sign anything, I want their accountant on the email chain. I want their solicitor reviewing the loan structure, not just the contract. If there's a buyer's agent involved, I want them briefed on what the lender will and won't accept before they put in an offer.

It takes more time upfront. It saves enormous amounts of time, money and stress at the back end.

The Inner West has a small, capable network of professionals who already work this way — and I'd rather build the team around the client than ask the client to assemble it themselves under pressure.

If you're planning a move and you're not sure who needs to be in the conversation, that's exactly the kind of thing worth talking through early.

My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.

The catchment map was open on her laptop when I arrived.She'd circled three suburbs, highlighted two schools, and pinned...
26/05/2026

The catchment map was open on her laptop when I arrived.

She'd circled three suburbs, highlighted two schools, and pinned a calendar reminder for the enrolment cut-off in October. The finance question… the one I was there to answer… was almost an afterthought.

"We just need to know how much we can borrow. Everything else is sorted."

Except it wasn't, really. Because the timeline she'd built around the school had quietly become the timeline driving the entire property decision. And when finance gets reverse-engineered to fit a deadline, the structure almost always suffers.

Here's what I see happen when school enrolment becomes the anchor:

Families stretch to the top of their borrowing capacity because the catchment narrows their options. They skip the buffer conversation because there's no time. They take the first loan that gets approved instead of the one that suits them for the next ten years. And they move in feeling house-poor in a home they chose for a school their child will outgrow in seven years.

I'm not saying the school doesn't matter. It does. But it's one variable, not the whole equation.

The families who navigate this well start the finance conversation 12 months before the enrolment deadline — not three. They model two or three scenarios, including the one where they rent in catchment for a year and buy properly the year after. They protect the buffer. And they let the structure shape the timeline, not the other way around.

The right house in the right catchment with the wrong loan structure is still the wrong outcome.

If you're planning a move around a school year, this is worth getting clarity on early.

My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.

He showed me his tax return and apologised before I'd even opened it."I know it looks bad. My accountant's been really g...
25/05/2026

He showed me his tax return and apologised before I'd even opened it.

"I know it looks bad. My accountant's been really good at minimising tax."

It's the sentence I hear most often from self-employed clients. And it's almost always the start of a frustrating conversation, because the same strategy that legitimately reduces a tax bill can unknowingly shrink borrowing capacity by hundreds of thousands of dollars.

In his case, two years of aggressive add-backs, a novated lease structured through the business, and a director's loan that wasn't documented the way lenders need to see it. On paper, he looked like he earned far less than he actually did.

Three lenders said no before he came to us. Not because the business wasn't profitable. Because the story wasn't being told in a language lenders understand.

We worked with his accountant to restructure how the income was presented; properly add back the non-cash items, document the director's loan, normalise the year-on-year figures. Same business. Same profit. Same tax position. Completely different lending outcome.

He bought the house six weeks later.

The lesson isn't that self-employed borrowers need to pay more tax. It's that tax strategy and lending strategy need to talk to each other… ideally 12 to 18 months before you want to buy.

If you're self-employed and a property move is on the horizon, the conversation to have isn't with a lender. It's with a broker and your accountant, in the same room, well before you start looking.

Happy to walk you through what that looks like.

My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.*

You know already, the RBA lifted the cash rate to 4.35% on 5 May… the third hike this year.If you're house-hunting, here...
21/05/2026

You know already, the RBA lifted the cash rate to 4.35% on 5 May… the third hike this year.

If you're house-hunting, here's the question that matters more than "what's my rate?"

Could you still sleep at night if your repayment went up another $400 a month?

That's what a buffer is for. Not a number on a spreadsheet — a margin of safety that lets life keep happening: the car repair, the slower quarter at work, the second child, the year you want to drop to four days.

When we structure a loan, we don't just stress-test against the lender's serviceability rate. We stress-test against your life. What does the next 3–5 years actually look like? Where could it wobble?

Borrowing capacity is what the bank will give you. Buffer capacity is what you give yourself.

The takeaway: Before you ask "how much can I borrow?", ask "how much should I borrow — and what cushion am I keeping behind it?" Confidence and clarity come from the answer to the second question, not the first.

If you'd like a second set of eyes on your numbers before you sign anything, that's what we're here for.



My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.

Most buyers turn up to the biggest purchase of their life with half a team.A broker. Maybe a solicitor their cousin reco...
19/05/2026

Most buyers turn up to the biggest purchase of their life with half a team.

A broker. Maybe a solicitor their cousin recommended. That's it.

Then they wonder why the process feels reactive — chasing documents, missing deadlines, finding out about a tax implication *after* settlement.

Property is a team sport. Here's who's actually on the field, and what each one is there to do:

🟢 The broker — structures the loan around your life, not just the lender's checklist. Negotiates with the bank, manages the application, and (under best-interest duty) recommends what's right for you — not what pays the most.

🟢 The accountant — tells you what the loan, the property and the ownership structure mean for tax, cash flow and your bigger financial picture. Critical if you're self-employed, buying as an investor, or holding property in a trust or SMSF.

🟢 The solicitor or conveyancer — reviews the contract before you sign, flags risks in the s.149 certificate, handles the exchange, and gets you to settlement without nasty surprises. The cheapest one is rarely the best one.

🟢 The buyer's agent — optional, but powerful for time-poor buyers or anyone chasing a specific suburb or property type. They source, shortlist, inspect and negotiate so you're not making emotional decisions at a Saturday auction.

The pattern we see again and again: clients who assemble this team *before* they find the property move faster, negotiate harder, and avoid the expensive mistakes. Clients who build it on the fly tend to settle for what's available rather than what's right.

The takeaway: Don't wait until you've found "the one" to build your team. The team is what helps you recognise "the one" — and walk away from the four that weren't.

We're happy to introduce you to people we trust in each of these roles. That's part of what we do as your mortgage “concierge”.

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My Mortgage Concierge is licensed under ACL 392736 Sattout Accounting Services Pty Ltd. General information only — seek personal advice before acting.

Address

B31/250-318 Parramatta Road
Homebush, NSW
2140

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61448258716

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