Advocate Finance

Advocate Finance Who are we? We're mortgage brokers. We'll help navigate you through the competitive and ever-changing mortgage landscape to find the right loan for you.

We'll go into bat and negotiate on your behalf, and we'll make the process as simple as possible.

Most people assume their bank will give them the best deal on a home loan. Spoiler: It won’t.As brokers, we compare doze...
18/06/2026

Most people assume their bank will give them the best deal on a home loan. Spoiler: It won’t.

As brokers, we compare dozens of lenders to find a solution that'll work in your best interests, not what’s convenient for the bank.

Banks work for their shareholders. We work for you.

There are a few more costs beyond the sale price that you'll need to budget for when buying a home. Don't forget:1. Stam...
15/06/2026

There are a few more costs beyond the sale price that you'll need to budget for when buying a home. Don't forget:

1. Stamp duty
2. Loan application fees
3. Pest and building inspections
4. Moving costs
5. Insurance

We’ll help you plan for these extras so there are no surprises – let’s chat!

With an interest-only loan, your repayments only cover the interest – not the loan principal – for a set period. -Lower ...
12/06/2026

With an interest-only loan, your repayments only cover the interest – not the loan principal – for a set period.

-Lower repayments in the short term
-Can free up cash flow for investors
-You don’t reduce the actual loan balance
-Higher repayments later when the principal kicks in

Not sure if it’s right for you? Let’s explore the numbers.

Want to boost your chances of getting that home loan approved? Here are some handy tips to strengthen your application:-...
09/06/2026

Want to boost your chances of getting that home loan approved? Here are some handy tips to strengthen your application:

- Check your credit report: Make sure your credit history is in good shape. Fix any mistakes and pay down small debts if you can.

- Build a bigger deposit: The more you can put down, the better. Even a few extra savings can help. It shows you’re serious and have some skin in the game.

- Keep things stable: Lenders like stability. If possible, avoid switching jobs or taking on new debt right before you apply. Staying in one job and keeping your expenses steady for a while can make a difference.

A little prep goes a long way. Ticking these boxes can put you in a stronger position, and before you know it, you could be hearing a big 'YES!' from your bank.

Choosing a family home? Keep these key features in mind:1. Neighbourhood safety: Peace of mind for family living2. Schoo...
06/06/2026

Choosing a family home? Keep these key features in mind:

1. Neighbourhood safety: Peace of mind for family living
2. School zones: Ensures access to quality education
3. Room to grow: More space means fewer moves
4. Local amenities: Nearby parks, shops, and healthcare
5. Transport links: Makes commuting easier

📝 When you find that perfect home, making an effective offer is key.Here’s a pro tip: always start with a strong, inform...
03/06/2026

📝 When you find that perfect home, making an effective offer is key.

Here’s a pro tip: always start with a strong, informed offer that shows you mean business, yet leaves a little wiggle room for negotiation. 🏠💼

Want more insider tips on crafting an offer they can’t refuse? Hit me up and let’s make sure your first offer is a powerful one!

Before you invest, evaluate using these criteria:1. Location: Always the golden rule in real estate2. Tenant demand: Hig...
31/05/2026

Before you invest, evaluate using these criteria:

1. Location: Always the golden rule in real estate
2. Tenant demand: High demand areas mean fewer vacancies
3. Future growth: Research planned developments or upgrades
4. Rental yield: Calculate your potential return on investment
5. Property condition: Minimise upfront repair costs.

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your ...
30/05/2026

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your cash flow.

For example:
– On a $600k loan, trimming just 0.5% off your rate could save you around $2,500 a year.
– Over the life of your loan, that’s tens of thousands back in your pocket.

Our job is to review your options, negotiate with your bank, and advise whether a switch stacks up financially.

We can’t promise savings until we look at your situation – but we can promise clarity.

If your cash flow – or lack of – is hampering your business operations, it may be worth looking into a business overdra...
28/05/2026

If your cash flow – or lack of – is hampering your business operations, it may be worth looking into a business overdraft facility:
– Access funds beyond your account balance as needed
– Easy to apply and flexible repayment options
– Pay interest only on the amount you use
– Ideal for managing short-term cash flow

Get in touch to understand your options.

Three financial habits that will boost your borrowing power:– Reduce your debt– Build your savings– Keep your credit sco...
26/05/2026

Three financial habits that will boost your borrowing power:
– Reduce your debt
– Build your savings
– Keep your credit score healthy

Want to borrow for your dream home? Start by adopting these three simple financial habits.

Reducing your debt and building up savings show lenders you’re financially responsible. Checking your credit score helps you stay on top of any issues that could impact your application.

The better state your finances are in, the more power you have when it comes time to applying for a mortgage 💪

Ready to take control? Send us a DM to start talking strategy.

Address

Kincumber, NSW
2251

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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