Rebecca Morgan: Finance Broker

Call Directions Website Contact the business

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 expert 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.

If you're hoping to be in a new home before school goes back, the calendar matters as much as the contract.Every year we...
01/11/2026

If you're hoping to be in a new home before school goes back, the calendar matters as much as the contract.

Every year we meet families who buy in November with a simple plan: settle in the summer holidays, move while the kids are off school, start the new year in the new house. It's a good plan. It just needs more lead time than people expect.

Settlement relies on a chain of people being at their desks. Lenders, conveyancers, the vendor's agent and the electronic settlement system all have to line up on the same day. Settlements can't happen on Christmas Day, Boxing Day or New Year's Day, and plenty of offices run skeleton staff through the weeks in between. Lenders also see a December rush, so approvals and loan documents can take longer to come through.

That flows into everything else. Removalists book out early for January. If you're selling at the same time, both settlements have to land close together or you're paying for somewhere to stay in between. Rent may need to overlap by a week or two if dates slip.

The families who move smoothly tend to plan backwards from the move. They get formal approval sorted early, well before a mid-December settlement. They agree a settlement date with their conveyancer that leaves room on either side of the public holidays. And they keep some cash aside for the extra rent, storage or short stay that a delay can bring.

It's also worth thinking about the first few months after you move. School costs, holidays and the January credit card statement all arrive together, so starting the year with a buffer in your offset account makes the transition far easier on everyone.

If you're aiming to settle over summer, let's map out the dates together now while there's still room to move.

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

29/10/2026

Before you book a single inspection, it helps to know what you can comfortably repay each month.

Most buyers I meet have already spent a few Saturdays walking through open homes and scrolling listings at night. That part is exciting, and I understand why people jump straight to it. The trouble is that falling for a house before you know your numbers can lead to a lot of disappointment, or a stretch you regret later.

So the first conversation is with your broker. We work out your borrowing capacity, which is the most a lender will let you borrow, and then talk honestly about what repayment feels manageable alongside the rest of your life. Those two figures are often quite different.

From there, we connect you with the people you’ll need around you.

A solicitor or conveyancer reviews the contract before you sign, so you understand the terms and any conditions that could catch you out.

An accountant can explain the tax side of the purchase, including stamp duty, how the property might be treated for capital gains tax down the track, and whose name should go on the title. That advice matters for a family home as much as an investment.

For some buyers, a buyer’s agent is the final piece. They search and negotiate on your behalf, which can be a big help if you’re time-poor or unfamiliar with the area you’re targeting.

Having that team in place early means each decision is made with the full picture in front of you. If you’re thinking about buying in the next year, I’m happy to help you get started.

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

Buyers often tell us they're approved when they're holding a pre-approval, which is only the first of several steps.A ho...
27/10/2026

Buyers often tell us they're approved when they're holding a pre-approval, which is only the first of several steps.

A home loan approval comes in stages, and each one means something different.

Pre-approval is the lender's early view of what you could borrow, based on the information you've supplied. It's useful for setting a budget and showing agents you're serious. It's also conditional. The lender hasn't seen the property yet, and it may not have checked every document in detail.

Once you've found a home, the lender assesses that specific property. A valuer gives their opinion of what it's worth, the lender rechecks your income, savings and debts, and it confirms the loan still fits its policy. Only when those conditions are satisfied do you receive formal approval, sometimes called unconditional approval. Loan documents are issued after that, and settlement follows.

The gap between those stages is where buyers get caught. A pre-approval can't account for a valuation that comes in under the price you agreed to, a property type the lender is cautious about, or a change in your job or spending since you first applied. Any of these can turn a confident yes into a smaller loan or a request for more information.

When you buy by private treaty in NSW, the cooling-off period usually gives you a few business days to get formal approval in place. At auction there's no cooling-off at all, so the property and your finances need to be checked before you register to bid.

Pre-approval is still worth having. Treat it as a starting point, and do the extra work early so formal approval becomes a formality.

If you're holding a pre-approval and want to know how close you really are to the finish line, let's talk.

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

If your interest-only period ends next year, the time to plan for it is now, while you still have choices.Interest-only ...
25/10/2026

If your interest-only period ends next year, the time to plan for it is now, while you still have choices.

Interest-only loans let you pay just the interest for a set period, often up to five years. When that period ends, the loan switches to principal and interest. Because the full balance now has to be repaid over fewer remaining years, repayments can rise sharply, even if rates hadn't moved at all.

This year they have moved. After four cash rate rises in 2026, many borrowers coming off interest-only are facing two increases landing at once: a higher rate and the switch to paying down principal.

The instinct for a lot of people is to ask the bank for another interest-only period closer to the date. That can work, but most lenders treat an extension as a fresh credit decision. They reassess your income, your expenses and your debts, and they test your ability to repay at today's rates plus a buffer. A household that passed comfortably a few years ago may find the answer is different now.

That's why the useful window opens six to twelve months before expiry. It gives you time to see what an extension would require, model what the principal and interest repayment will look like, and decide whether a different structure makes more sense. That might mean splitting the loan so part of it starts reducing now, or building up an offset balance to cushion the change.

For investors, it's also a good moment to check in with your accountant, as the right structure can look different once tax is part of the picture.

The worst time to discover your options is the month your repayments jump. If your interest-only period ends in the next year or so, let's look at it together while there's still time to choose.

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

22/10/2026

Most homeowners I speak with have more equity than they realise, and very few check it until they need it.

Equity is the gap between what your property is worth today and what you still owe on the loan. In the Inner West, that gap can grow over a few years without you lifting a finger, and it sits there unused unless someone takes the time to look.

As part of our ongoing service, we complete a property evaluation for our clients and sit down to talk through what that equity could do for them. For some families it’s private school fees landing in a couple of years. For others it’s the renovation they’ve been putting off since the second child arrived. Some want to start building assets outside the family home.

The equity figure on its own only tells half the story. It needs to sit alongside your borrowing capacity, which is how much a lender will let you borrow based on your income, expenses and existing debts. You can have plenty of equity and still be limited by what you can comfortably repay. Looking at both together turns a vague feeling of “we’re probably in a good spot” into a plan you can act on.

How you access it matters too. Keeping school fees, renovation costs and investment borrowing in separate loan splits makes life easier for you and your accountant at tax time, and keeps your options open later.

If it’s been a while since anyone looked at your numbers, I’m happy to walk you through where you stand.

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

At an Inner West auction, the deposit is due the moment the hammer falls. Many buyers plan for it far too late.In NSW th...
20/10/2026

At an Inner West auction, the deposit is due the moment the hammer falls. Many buyers plan for it far too late.

In NSW the standard deposit is 10% of the purchase price, paid when contracts are exchanged. At auction that happens straight after the hammer, and there's no cooling-off period to give you breathing room.

For many buyers, that 10% sits awkwardly with the rest of their plan. A first home buyer borrowing with a 5% deposit may simply not have 10% in cash, and an upsizer may have most of their equity tied up in a home that hasn't sold yet. The loan can be ready while the cash on the day falls short.

There are usually options, and they all work best when arranged well before Saturday.

The first is asking the agent whether the vendor will accept a 5% deposit. If they agree, it needs to be confirmed in writing and written into the contract as a special condition. Vendors can say no, and it's worth knowing that if a buyer fails to settle, the vendor can still pursue the full 10%.

The second is a deposit bond. A bond provider guarantees the deposit to the vendor until settlement, for a fee. It suits some buyers well, particularly those waiting on a sale, but the vendor has to accept it too.

This is where we lean on the solicitors and conveyancers we work with across the Inner West. They review the contract, negotiate the deposit terms with the agent and make sure the paperwork matches what's been agreed. We make sure the finance lines up with it, so nobody is scrambling on the footpath with a cheque book.

If you're bidding this spring and haven't sorted out how the deposit will be paid, have that conversation this week. Happy to walk you through it and introduce you to the right people.

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

Keeping your first home as an investment when you upsize sounds simple, until the lender and the tax rules get a say.A c...
18/10/2026

Keeping your first home as an investment when you upsize sounds simple, until the lender and the tax rules get a say.

A couple came to us last month with a plan most upsizers will recognise. Two kids, a two-bedroom apartment bursting at the seams, and a house in Dulwich Hill they'd been watching for months. Their plan was to keep the Marrickville apartment, rent it out, and buy the house with a new loan.

On paper it looked comfortable. The apartment would rent well, and they'd been paying their loan down hard for six years.

Two things changed the picture. The first was how lenders count rent. Most banks only include a portion of the rental income when they assess what you can afford, to allow for vacancies and costs. The rent they expected to cover much of the new repayments was worth noticeably less in the bank's calculator.

The second was tax. Interest is generally deductible based on what the borrowed money is used for, and the property it's secured against doesn't change that. All those years of paying down the apartment loan meant the deductible debt was now small, while the large new loan on their family home would carry no deduction at all. Rearranging that after settlement is much harder than planning it before.

We sat down with their accountant before they made an offer. We looked at whether keeping the apartment still made sense, how the loans should be set up, and what buffer they'd need if the apartment sat empty for a few weeks between tenants.

They still bought the house. They just bought it with a structure built for the next ten years, and a clear view of what the apartment would really cost to hold.

If you're thinking about keeping your first home when you move, this is worth getting clarity on early. 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.

15/10/2026

A client was recently offered a sharp rate from one of the big banks. Once we ran the real numbers, the saving was small.

Their current loan sits with a smaller lender at a rate that's still competitive. The new offer looked better on paper, so the obvious question was why they wouldn't move across.

The answer came down to the cost of the move itself.

There are government registration fees to record the new mortgage, an application fee with the new lender, and a discharge fee to close out the old loan. Once those were weighed against the rate difference, the saving was much smaller than the headline suggested.

What stood out to me was the conversation that never happened (but should’ve). The bank quoted a rate without asking whether the loan structure still suited them. Would an offset account do more for their cash flow? Is a fixed rate the right call for where they are, or would it take away flexibility they'll want in a year or two?

Refinancing can be a great decision for plenty of households. It just needs to be judged on the full cost and on whether the new structure fits how you live, before you sign anything.

As brokers we're required to act in your best interests, and part of that is checking whether an offer is as good as it looks.

If a refinance offer has landed in your inbox and you're weighing it up, I'm happy to run the numbers with you.

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

When parents help with a deposit, the first thing a lender asks is whether the money has to be paid back.That answer sha...
13/10/2026

When parents help with a deposit, the first thing a lender asks is whether the money has to be paid back.

That answer shapes the whole application.

If the money is a genuine gift, most lenders will ask for a signed letter from the parents confirming it's non-repayable and that they hold no interest in the property. Some want the funds sitting in your account before you apply, and lenders differ on whether gifted funds can stand in for your own savings.

If the money is a loan, even an informal one, it's a debt. The lender will count the repayments as a commitment, which can reduce how much you can borrow. Signing a gift letter for money you've agreed to repay gives the lender a false picture, and that creates problems well beyond the application.

We often meet Inner West families who haven't landed on an answer yet. Mum and Dad want to help their daughter buy near them in Haberfield, and they're also thinking about fairness to her brother and what happens to the money if her relationship ends. You can possibly imagine similar situations in your own family. They’re reasonable questions to ask, and they belong in a conversation before the application goes in.

A solicitor can document the arrangement, including through a financial agreement where a couple is involved, and an accountant can look at how it sits with the parents' own plans. Our part is showing how each option changes borrowing capacity, so the family can choose knowing the trade-offs.

Getting the structure right early saves an awkward phone call with the lender later, and usually a harder one at the dinner table.

If your family is weighing this up, we're happy to talk it through with you and your parents together.

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

Before a lender reads your application, they’ll read the last few months of your bank statements.Some lenders ask for ar...
11/10/2026

Before a lender reads your application, they’ll read the last few months of your bank statements.

Some lenders ask for around three months of transaction history, and credit teams go through it line by line. They check that your salary lands when and where you said it would, and they look at how the rest of the money moves.

That second part catches unprepared people out... A couple we worked with in Leichhardt had their wedding and honeymoon in the three months before applying. Their statements showed deposits to a venue and an airline, plus a long run of restaurant bills in Italy. On paper it looked like a household spending far beyond its declared budget.

Their finances were in good shape. The spending was one-off and fully paid for. Because we saw it first, we explained it in the application with invoices attached, and the assessor had context before forming a view.

The things that cause real problems tend to be patterns: regular gambling transactions, overdrawn fees, repayments to a lender nobody mentioned, or round-sum transfers with no explanation. A single oddity can usually be explained; a habit that shows up every month takes a lot more work.

If you're planning to buy in the next six months, pull your statements now and read them the way a stranger would. Look for anything you'd need to explain, and for accounts or debts you might forget to disclose. It's far easier to prepare an explanation before the application goes in than to answer questions about it afterwards.

Happy to walk you through what a lender is likely to notice in yours.

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

Website

Alerts

Be the first to know and let us send you an email when Rebecca Morgan: Finance Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Rebecca Morgan: Finance Broker:

Shortcuts

Share

Category

Nearby finance companies

Other Mortgage Brokers in Homebush

Show All