Loan Market Ripley Valley

17/06/2026

📚 Term of the Week: Substitution of Security (also called Loan Portability)

What is it?

It allows you to keep your existing home loan when buying and selling - by simply swapping the property the bank holds as security! 🏡➡️🏡

Think of it like this: you’re “swapping out” one property for another, keeping the same loan.

Key things to know:
✅ The property swap must happen on the same day (simultaneous settlement)
✅ Your loan amount stays the same
✅ Your LVR (Loan to Value Ratio) position must stay the same
✅ Your loan term remains unchanged (no variations)
✅ The good news — generally no full loan reassessment is required 🙌, just some bank forms + valuation of the new property to confirm LVRs.

✨ This is a great way to avoid refinancing costs and keep your loan history intact when upgrading or downsizing!

17/06/2026

Buzz and Woody could've saved themselves a whole lot of drama if Andy's mum had just done a renovation.

No moving boxes. No strange new bedroom. No existential crisis in a cowboy hat.

A renovation loan could let you put your equity to work, transforming the home you have into the one you actually need... and beyond.

16/06/2026

The RBA has held the cash rate at 4.35% for the first time this year. That's a pause on rate rises, but it doesn't undo the pressure already built up.

Here's what's shifting in the market right now: investor activity is down, open home attendance has dropped, and borrowing capacities have changed for both buyers and investors. For some, that creates an opening worth paying attention to.

Now is the time to understand where you actually stand.

Book a chat 💬 Link in Bio!

15/06/2026

💍🏡 “If you liked it, then you shoulda put a ring on it…”.. or in this case, put an OFFER on it! 😂

👉 Don’t miss out on that dream home because you weren’t prepared!
👉 Get your pre-approval sorted FIRST, before you start falling in love at open homes.

💡 A pre-approval means you’re ready to move quickly when the right property comes along… because as we know, good ones don’t hang around! 🏃‍♀️🏃‍♂️💨

💬 Need help getting your ducks in a row? We are here to guide you. 🦆✅

14/06/2026

13/06/2026

Whether you're ready to upsize into a bigger space or simplify into something smaller, your equity could be doing more work for you.

We help you figure out what you've got and how to use it for your next move, without the guesswork.

Send us a DM 💬

12/06/2026

Got an investment pre-approval? Pause before you buy. 🛑🏡

Thinking of buying an investment property with an existing pre-approval?

You may need to stop and check your numbers again. 👀

Following the Federal Budget announcement, some lenders have already started changing how they assess negative gearing when calculating borrowing capacity.
That means your current pre-approval may not automatically mean you can still borrow the same amount especially if you’re buying an established investment property.

The key issue?

Your lender may now assess your ability to repay the loan differently. 🏦

Before you sign a contract or rely on an old approval, let’s review:
✅ Your current lender’s policy
✅ Whether your property type still qualifies
✅ Your updated borrowing capacity
✅ Whether your approval needs to be refreshed

The goal posts are moving and this is exactly when good advice matters. ⚽️

📲 Already pre-approved for an investment purchase?

Message us at Loan Market Ripley Valley before you make your next move.

11/06/2026

If you're trying to buy a home on one income right now, it can feel like it's just you and your audacity against the world.

Finder data shows only 31% of Australian suburbs are affordable on the average single income. That's a genuinely tough market. But it's not a full stop. There are real strategies, from loan structures to government schemes, that are helping solo buyers get in.

For more info, reach out for chat. Bring your audacity. 👊 💬

Book a chat through the link in our Bio!