Josie Dwyer- Mortgage Broker

Home
Australia
Launceston, TAS
Josie Dwyer- Mortgage Broker

🏡 First Home Buyer Specialist
✨ Turning dreams into addresses
📌 6-24 month action plan appointments

26/08/2026

August 🤎

A little bit of everything. Family time, settling a new puppy, friendships, home projects, and making memories along the way.

Here’s to everything August brought with it 🤎

25/08/2026

Things I wish someone told me before buying my first home 🏡

1. Pre approval isn’t the same as final approval.
Pre-approval gives you an indication of what you may be able to borrow, but your loan still needs to go through the final approval process once you’ve found a property.

2. Your borrowing power isn’t set in stone.
Changes to your income, expenses, debts, interest rates or financial circumstances can affect how much you’re able to borrow.

3. It’s not just the deposit you need to budget for.
There can be other costs involved in buying a home, including stamp duty, conveyancing, inspections, loan costs and moving expenses.

4. The first loan you’re offered isn’t necessarily the best fit.
Different lenders have different policies, rates and lending criteria. A mortgage broker can compare a range of options based on your circumstances.

Buying your first home? Knowing these things BEFORE you start house hunting can make the whole process feel a lot less overwhelming. 🤍

20/08/2026

💳 Not all debt is bad debt.

When it comes to borrowing, it’s not always about avoiding debt altogether, it’s about understanding how to use it wisely. 🏡✨

The right borrowing strategy can help you work towards your goals without taking on more than you need.

Whether you’re buying your first home, refinancing, investing or simply wondering what your options look like, having the right advice can make all the difference.

💭 Smart borrowing starts with understanding your numbers.

17/08/2026

🤍 Client Love

There’s nothing better than hearing my clients felt supported, understood and confident throughout their lending journey.

From first home buyers to refinancing and securing funding for the next chapter, every client’s situation is different, and that’s exactly why personalised guidance matters. 🏡✨

A huge thank you to Zac, Mel & Jenn for trusting me and taking the time to share your experiences. Your kind words mean so much! 🤍

14/08/2026

💭 Mortgage Broker Confessions…

The things my clients have said that remind me just how many misconceptions there are around buying a home 🏡✨

“I thought we wouldn’t qualify.”

“You saved us thousands.”

“You have explained it better than anyone else has.”

“I didn’t realise buying my first home could actually be that easy.”

“I thought we needed a 20% deposit to buy a home.”

These are exactly the conversations that make what I do so rewarding. 🤍

Because sometimes it’s not about knowing everything before you start, it’s about having someone in your corner to explain your options, answer the questions and help you understand what’s actually possible.

If buying a home is on your mind, don’t count yourself out before you’ve had the conversation. ✨

10/07/2026

Think you need a 20% deposit before you can buy a home? 🤔
You might be surprised.

Take this quick 30-second Home Buyer Test and see where you’re at.

✔️ $10,000+ saved? ✔️ Been in your current job for 6+ months? ✔️ A reasonably clean credit history? ✔️ Earning a regular income? ✔️ Could comfortably afford repayments similar to your current rent?

If you answered YES to 3 or more… you could be closer to buying a home than you think. 🏡

Every situation is different, but a quick chat can help you understand what’s possible and what your next steps could be.

👇 Comment “TEST” and I’ll send you a personalised checklist and explain what I’d be looking at based on your situation.

No pressure. Just honest guidance to help you understand your options. 💜

*General information only. Lending eligibility depends on your individual circumstances*

09/07/2026

Think you need a 20% deposit before buying your first home?

That’s one of the biggest myths I hear.

Every buyer’s situation is different, and there may be options available that you haven’t considered yet.

Whether you’re just starting to save or wondering if you’re closer than you think, I’d love to help you understand your borrowing options.

Send me a message and let’s chat about your next step 💌

08/07/2026

🏡 Your occupation could make a bigger difference than you think.

Most people assume they need to save a 20% deposit before buying a home.

But depending on your occupation, there may be lender policies or benefits that could help you purchase with a smaller deposit or even avoid Lenders Mortgage Insurance (LMI).

It’s something many people don’t realise until they speak with a broker.

👇 Comment your occupation below, and I’ll let you know if there are any options that may be worth exploring.

No obligation, just helpful information to point you in the right direction.

General information only. Eligibility depends on your individual circumstances and lender criteria.

#20%deposit

06/07/2026

🏡 Stamp duty changes are happening across Australia — and depending on where you’re buying, they could have a significant impact on your upfront costs.

Here’s what’s changing:

✅ ACT: Stamp duty abolished for eligible first home buyers.

⚠️ Tasmania: The current first home buyer stamp duty exemption is being removed from 1 July.

✅ Western Australia: Expanded concessions, including a full exemption for eligible established homes up to $600,000 and a 75% rebate for eligible off-the-plan purchases.

If you’re planning to buy your first home, understanding what assistance is available can help you budget with confidence and potentially save thousands.

Every state has different rules, and every buyer’s situation is unique.

📩 Thinking about purchasing your first home? Send me a message and let’s explore your options.

23/06/2026

Mortgage FAQs – Answered 👇🏼

Buying, refinancing, or navigating home loans can feel overwhelming, but it doesn’t have to be. Here are answers to some of the questions I’m asked most often as a mortgage broker.

✅ Can I refinance and save money?
✅ Can I buy my next home before selling?
✅ What is LMI?
✅ How long does pre-approval take?

Every situation is different, which is why personalised advice can make all the difference.

📩 Have a question that’s not on the list? Send me a message and let’s chat about your options.

Address

Launceston, TAS

Telephone

+49894757

Website

https://form.jotform.com/josie_dwyer/enquiry-form

Alerts

Be the first to know and let us send you an email when Josie Dwyer- Mortgage 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 Josie Dwyer- Mortgage Broker:

Want your business to be the top-listed Finance Company in Launceston?