Aakash - The Mortgage Mate

05/06/2026

🏡 Borrowing capacity isn’t determined by income alone. The right strategy, lender selection, and loan structure can make a significant difference to your borrowing power.

Aakash K C – The Mortgage Mate
Senior Mortgage Strategist | Mortgage Xperts Australia

⭐ 5-Star Client Reviews
🏆 Award-Winning Mortgage Team
💎 Platinum Broker Status
🏦 Accredited with 40+ Australian Lenders

📞 0450 240 757
📧 [email protected]
🌐 mortgagexperts.com.au

05/06/2026

What Really Impacts Your Borrowing Capacity? 🤔🏡

Many people think it’s just about income, but lenders look at much more:

✅ Your income and employment type
✅ Existing debts and credit cards
✅ Living expenses
✅ Number of dependants
✅ Loan term and interest rate buffers
✅ HECS/HELP debt
✅ Personal loans, car loans & Buy Now Pay Later commitments
✅ Credit history and repayment conduct

A small change in any of these areas can significantly impact how much you may be able to borrow.

Before house hunting, make sure you understand your borrowing power and the lending options available to you.

Aakash K C – The Mortgage Mate
Senior Mortgage Strategist | Mortgage Xperts Australia

⭐ 5-Star Client Reviews
🏆 Award-Winning Mortgage Team
💎 Platinum Broker Status
🏦 Accredited with 40+ Australian Lenders

🏡 First Home Buyers
📈 Property Investors
🔄 Refinancing & Debt Consolidation
🏗️ Construction Loans
👩‍⚕️ Nurses & Healthcare Professionals

Helping Australians build wealth through smarter home loan strategies.

📞 0450 240 575
📧 [email protected]
🌐 mortgagexperts.com.au

04/06/2026

29/05/2026

🏡 5% Deposit Scheme Explained | Perth WA

Did you know eligible first home buyers may be able to purchase a property with just a 5% deposit and no Lenders Mortgage Insurance (LMI)?

That means:
✔ Lower upfront costs
✔ Get into the market sooner
✔ Buy with a smaller deposit
✔ Government-backed support for eligible buyers

If you’re renting and struggling to save a huge deposit, this scheme could help you take the next step toward home ownership.

📍Helping first home buyers across Perth & WA
📩 Message Mortgage Xperts to check your eligibility today.

27/05/2026

🚨 WA First Home Buyers & Investors – Big Updates for 2026 🚨

Here’s what you need to know 👇

🏡 Transfer Duty (Stamp Duty) Updates
(For contracts signed on or after 7 May 2026 – expected implementation around 28 July 2026)

✅ No transfer duty on established homes up to $600,000
✅ Reduced transfer duty for homes up to $800,000
✅ No transfer duty on land up to $450,000
✅ Reduced transfer duty for land up to $550,000

💰 First Home Owner Grant (FHOG) Changes

New FHOG caps:
📍 Up to $800,000 for homes south of the 26th parallel
📍 Up to $1,000,000 for homes north of the 26th parallel

Important update 👇
FHOG caps are now separate from transfer duty concessions. This means eligible buyers may still receive stamp duty relief even if the property price is above the FHOG cap.

📈 Negative Gearing Update

✅ Properties owned before 7:30pm AEST, 12 May 2026 are fully exempt
✅ Existing contracts (even if not settled) will continue to retain negative gearing benefits into the future

This protects investors who made decisions under the previous rules.

If you are planning to buy your first home or invest, the next 12 months could be very important.

📞 Reach out to Mortgage Xperts to understand your options and borrowing capacity.

24/05/2026

23/05/2026

3 Investment Strategies You Should Look At 👀

📍 Location Matters
Choose areas with strong growth, infrastructure, and future potential.

📈 Diversification
Spread your investments smartly instead of relying on one property or strategy.

⏳ Long-Term Perspective
Property investing is a marathon, not a sprint. Stay focused on the bigger picture.