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Tusk Finance - Michael Killiner

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Karrinyup, WA
Tusk Finance - Michael Killiner

Michael Killiner of Mortgage Choice is your best local mortgage broker based right here in Karrinyup, Perth. Your best home loan provider!

Michael is an experienced broker offering expert advice on home loans, first home buyers mortgages, family guarantor loans, investment loans, development loans, asset finance, refinancing, equipment finance, mortgages, debt consolidation, home equity release, mortgage top-ups, land & construction loans, & renovation loans. We service clients throughout Perth and in areas such as Trigg, Gwelup, Sca

rborough, Innaloo, Doubleview, Stirling, Balcatta, North Beach, Carine, Balcatta, Marmion, Hamersley, Duncraig, Balga, Osborne Park, Woodlands, Tuart Hill, Joondana, Wembley Downs, Girrawheen, and surrounds.

22/05/2026

The RBA’s watching employment like a hawk. 🔍 Here’s why that matters for YOUR next move.

June employment data just became your timing indicator. If jobs stay strong = rates hold longer. If they soften = cuts could come fast.

The play? Don’t wait to see how the story ends. If you’re thinking about buying or refinancing, now’s the moment to lock in your strategy before the market moves.

Your next chapter starts with this data drop. 👇

22/05/2026

👋 Gents. Make sure you’re checking in on your mates.

Geez life can through you some curve balls and with high costs of living, interest rates on the rise and global uncertainty we need to look after ourselves.

🗣️ Chat with your mates

🏃🏽‍♂️ Keep moving

💆🏽‍♂️ Be kind to yourself

Running with mates. Every Friday. 6:30am start. Coffee straight after ☕️ 🌞

21/05/2026

1 in 5 first home buyers got help from mum and dad to buy. 🏠

And when you include guarantors, free rent, and cash top-ups it’s closer to 1 in 2.

𝗧𝗵𝗲 𝗕𝗮𝗻𝗸 𝗼𝗳 𝗠𝘂𝗺 & 𝗗𝗮𝗱 𝗶𝘀 𝗻𝗼𝘄 𝗼𝗻𝗲 𝗼𝗳 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮’𝘀 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗵𝗼𝗺𝗲 𝗹𝗲𝗻𝗱𝗲𝗿𝘀.

→ Average gift in 2025: $74,040

→ 75% of parents now gift it; not loan it

→ Buyers with family help enter the market 2 years earlier

→ And walk away with 41% more savings after settlement

If you’re lucky enough to have family support, there’s a right way and a wrong way to structure it. Get it wrong and it can hurt your borrowing capacity.

⚠️ General information only. Not financial advice. Speak to a qualified mortgage broker before making any decisions.

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21/05/2026

$50,000 sitting in your offset account saves you $212,543 in interest. 🤯

And cuts 3 years and 8 months off your home loan.

Same repayment. Same loan. Just smarter.

Swipe to see exactly how. 👇

𝗛𝗼𝘄 𝗶𝘁 𝘄𝗼𝗿𝗸𝘀:

Your bank charges interest daily on your outstanding loan balance.

Your offset account reduces that balance dollar for dollar before interest is calculated.

$800k loan with no offset = $131.51 in interest every single day.

$800k loan with $50k offset = $123.29/day.

That’s $8.22 you stop giving your bank. Every. Single. Day.

Over 30 years? That’s $212,543 back in your pocket and nearly 4 years of your life back too.

Do you have an offset account set up on your home loan?

DM us the word 𝗢𝗙𝗙𝗦𝗘𝗧 and we’ll check your current structure is working as hard as it should be. 📲

⚠️ Figures are illustrative only. Based on an $800k loan at 6.00% p.a. over 30 years with $50k held consistently in offset.

19/05/2026

Most Perth homeowners are sitting on savings that are doing half the job they could be. 👇

If you’ve got money in your offset account and a PPOR mortgage this carousel is for you.

Debt recycling is one of the most powerful (and most underused) wealth strategies available to Australian homeowners.

Here’s the short version:

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗹𝗼𝗮𝗻 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗴𝗶𝘃𝗲𝘀 𝘆𝗼𝘂 𝘇𝗲𝗿𝗼 𝘁𝗮𝘅 𝗯𝗲𝗻𝗲𝗳𝗶𝘁.
𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗹𝗼𝗮𝗻 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗶𝘀 𝗳𝘂𝗹𝗹𝘆 𝘁𝗮𝘅 𝗱𝗲𝗱𝘂𝗰𝘁𝗶𝗯𝗹𝗲.

Debt recycling lets you slowly convert one into the other without increasing your total debt.

In our worked example, $100k recycled at 6% with a 37% marginal tax rate unlocks:

→ $2,220/yr in tax benefits
→ $4,000/yr in dividend income
→ A growing share portfolio built alongside your home
→ $43/wk working harder for your future

And here’s the thing you don’t need to do it all at once. You can start small and build the cycle over time.

This isn’t a loophole. It’s a completely legal, ATO-recognised strategy that your broker and accountant can help you implement correctly.

⚠️ These figures are illustrative only, based on a $150k income, 37% marginal tax rate, 6% interest rate and 4% dividend yield. Debt recycling requires careful structuring always seek advice from your mortgage broker and accountant before proceeding.

19/05/2026

The Budget just quietly cut your borrowing power. 😬

Perth investors who were planning to use equity to buy their next property need to hear this the negative gearing changes don’t just affect your tax return. They reduce how much a bank will lend you.

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝘆 𝘁𝗵𝗮𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀:

→ Banks assess rental income differently when negative gearing tax benefits shrink

→ Your property looks less “positively” profitable on paper

→ That gap in serviceability can mean tens of thousands less in borrowing capacity

→ Your equity might be there but the lending capacity to use it may not be

𝗬𝗼𝘂𝗿 𝗽𝗹𝗮𝗻 𝘁𝗼 𝗯𝘂𝘆 𝗮𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻 2025 𝗷𝘂𝘀𝘁 𝗴𝗼𝘁 𝗵𝗮𝗿𝗱𝗲𝗿.

DM us the word EQUITY and we’ll run the numbers for your specific situation.

⚠️ Figures are illustrative only. Based on standard lender serviceability assessments. Tax outcomes vary. Always seek advice from your mortgage broker and accountant.

18/05/2026

You’re not bad with money. The numbers just changed dramatically. 🇦🇺

A lot of people feel like they’re falling behind and the data backs that up. Since 2019, house prices have nearly doubled while wages have barely moved. The result? Buying the same average home now costs you an extra $2,159 every single month in repayments.

𝗧𝗵𝗮𝘁’𝘀 $𝟮𝟱,𝟵𝟬𝟴 𝗺𝗼𝗿𝗲 𝗽𝗲𝗿 𝘆𝗲𝗮𝗿 𝗼𝗻 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗵𝗼𝗺𝗲.

→ 2019 repayment: $2,338/month
→ 2026 repayment: $4,497/month
→ Wage growth over the same period: 5%

Understanding this gap is the first step. The second step is having the right strategy to work within it. That’s what we help you with 💰

⚠️ Figures are illustrative only. Based on average ABS loan sizes, 6% interest rate, 30-year P&I term. Always seek advice from your mortgage broker.

17/05/2026

You’re never going to out-predict the banks. So stop trying. 🔒

They have teams of economists, billions in data and decades of experience pricing rates.

Fixing isn’t about beating them. It’s about certainty in an uncertain market.

𝗧𝗵𝗶𝗻𝗸 𝗼𝗳 𝗶𝘁 𝗹𝗶𝗸𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲. 𝗬𝗼𝘂 𝗵𝗼𝗽𝗲 𝘆𝗼𝘂 𝗻𝗲𝘃𝗲𝗿 𝗻𝗲𝗲𝗱 𝗶𝘁. 𝗕𝘂𝘁 𝘆𝗼𝘂’𝗿𝗲 𝗴𝗹𝗮𝗱 𝗶𝘁’𝘀 𝘁𝗵𝗲𝗿𝗲.

Swipe for the full pros, cons and the one thing nobody tells you before they fix. 👇

DM us the word 𝗙𝗜𝗫𝗘𝗗 and we’ll run through what makes sense for your situation. 📲

⚠️ General information only. Always seek advice specific to your situation.

16/05/2026

Success Never Shows the Sacrifices 🤍

We don’t reflect enough. On how far we’ve come. On what it actually took to get here.

9 years ago started her real estate career. And like anyone who has lasted in this industry it wasn’t always pretty.

Behind the awards, the settlements, and the happy clients are also the long nights, the self-doubt, and yes the tears.

On her 9 year anniversary, we sat down with Emma to reflect on the journey the hard parts included.

Because success means a lot more when you remember what it cost you.

Also a big shout out to the mentor behind Emma’s success 🚀 🚀

15/05/2026

RENTVESTING IS DEAD. 💀

The May 2026 Federal Budget just changed the game for Perth investors and most people have no idea how bad it is.

𝗡𝗲𝗴𝗮𝘁𝗶𝘃𝗲 𝗴𝗲𝗮𝗿𝗶𝗻𝗴 + 𝗖𝗚𝗧 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 = 𝘁𝗵𝗲 𝗿𝗲𝗻𝘁𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗺𝗮𝘁𝗵 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 𝘀𝘁𝗮𝗰𝗸𝘀.

→ Tax deductions? Slashed

→ CGT discount? Gone for new properties

→ Your strategy? Needs a rethink

DM me RENTVESTDEAD and I’ll show you what actually works now.

⚠️ General information only. Speak to a qualified mortgage broker and financial adviser before making investment decisions.

Address

Karrinyup, WA
6018

Opening Hours

Monday	12am - 11:59pm
Tuesday	12am - 11:59pm
Wednesday	12am - 11:59pm
Thursday	12am - 11:59pm
Friday	12am - 11:59pm
Saturday	12am - 11:59pm
Sunday	9am - 5pm

Telephone

+61400191942

Website

https://tuskfinance.com.au/

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