Professional Mortgage Advisors Pty Ltd

Professional Mortgage Advisors Pty Ltd You know when you or someone you know wants to get a loan to buy a property, motor vehicle or large

With over 30 years experience in the finance industry we can arrange finance for Residential or Commercial Property purchases or refinancing & Motor Vehicle and Business Equipment purchases.We assist clients by making the purchase process effortless. Looking for the right lender and loan type, we help with all facets of the application process.

16/11/2025

Do you know someone thinking about buying their first home in 2026?
Good news — lenders are finally relaxing some policies and there are government schemes available to help them get in sooner.
If they’re not sure where to start, I can walk them through deposits, borrowing power and the real numbers.
Message me for a free plan.

04/11/2025

As was expected the Reserve Bank of Australia (RBA) has held interest rates with the official cash rate remaining at 3.60%.

After meeting on Monday and Tuesday the board cited rising inflation as the key driver for its decision.

There have been three rate cuts earlier in 2025 — February, May and August — with the decision to hold both in September and November being driven by higher than expected inflation and continued economic uncertainty, both at home and abroad.

03/11/2025

The Reserve Bank is meeting today to decide whether to adjust the cash rate.
The majority of economists predict there will be no change however you can have your mortgage rate reviewed and maybe get a better deal.
Contact me if you want to find out how.

28/10/2025

Property Investors Are Back in the Market!
We’re seeing a steady uptick in investor activity as rental yields remain strong and vacancy rates stay low — especially in regional areas and outer metro suburbs.

If you’re considering purchasing an investment property, now’s a good time to look at interest-only options, equity release, or cross-collateralising.

Let’s chat strategy — I can help you structure your finance for long-term growth.

26/10/2025

Time for a Home Loan Health Check?

Are You Paying Too Much on Your Home Loan?

Many Aussies are still sitting on rates over 6%, even though some lenders are now offering 5.4% or lower (depending on your loan type and loan to value ratio-LVR).

A quick home loan health check can show if you’re still on a competitive deal — and if not, I can help you switch with minimal fuss.

DM me or send me your latest loan statement and I’ll do the rest. Easy!

23/10/2025

First Home Buyer? You’ve Got Options.
Government schemes including the updated First Home Guarantee Scheme are creating opportunities for people with as little as 5% deposit.

With the market stabilising in some areas, it’s a great time to get your foot in the door, before rate cuts bring more competition back.

Need help navigating your options? I work with over 30 lenders to find the right fit for your situation.

Let’s get you into your first home.

22/10/2025

RBA Watch: What’s Next for Interest Rates?
The RBA has held rates steady again this month, but economists are split on what’s next.
Some say we could see cuts In November while others believe it will not be till mid-2026.

For borrowers, this means reviewing your current loan is more important than ever. Some lenders are already pricing in future cuts — are you with the right one?

Let’s talk refinancing — a quick review could save you thousands

19/10/2025

Spring Surge” 🏡

📣 Spring Property Market Update!

We’re seeing a classic spring surge in listings across Sydney, Melbourne & Brisbane — more choice for buyers and potentially more room to negotiate 💪

✅ Rates are still higher than a few years ago, but there are competitive fixed and variable deals on the market right now.

💬 If you’re pre-approved, now is a great time to revisit your budget — and if you’re not pre-approved, let’s chat!

📞 DM me to review your borrowing capacity

26/09/2024

Are you or someone you know still paying 2018 interest rates?
Lenders have what are known as Index/ Indicator or Standard variable interest rates and they offer discounts off these rates to borrowers depending on a number of factors.
As competition has increased within the mortgage industry these discounts have also increased. I review borrower’s interest rates regularly and approach lenders seeking better discounts for my clients. Lenders do not always drop the client’s interest rate but in many cases they do.
As an example of this I have one couple who when they established their home loan in 2014 were receiving a discount of 1.17% off their lender’s index rate. In 2018 the discount was increased to 1.75%, in 2020 it was increased to 2.15% and earlier this year the discount was increased to 2.53%. The savings in interest for them has been quite substantial.

19/09/2024

I was recently asked what types of home loans are available for prospective borrowers. Put simply there are just two types of loans, variable rate loans or fixed rate loans.
There are however many features that are included with each of these providing multiple options. Some of these features include discounted rates, 100% or Partial Offset accounts, redraw facilities, internet and telephone banking, combination or standalone loans, fee free, annual package fee or monthly account keeping fee loans and principal and interest or interest only loans.
When establishing a new loan there can be restrictions on minimum and maximum loan size, on loan to property value and even on minimum loan term.
Please feel free to contact me for an obligation free discussion about the features and benefits worth considering for your home loan.

17/09/2024

While the Reserve Bank is still holding rates lenders have started to drop their fixed rates and some by as much as 0.6% lower than just a month ago.
There are a number of lenders who have dropped their two year fixed rates for owner occupied home loans down to 5.74% and 5.89% for investor home loans where the loan to property ratio is 80% or less.
Fixed rates offer the certainty of mortgage repayments for a set term which in these current times of increasing costs in utilities, food and petrol may be something that can help with budgeting.
Please feel free to call me for an obligation free discussion regarding whether a fixed rate is something worth considering at present for your home loan.

14/03/2024

I was asked recently why after just over 40 years in the mortgage industry I'm still doing mortgage broking.
People allow me to assist them in buying their 1st home, upsizing to accommodate a growing family, and more and more assisting elderly people with Reverse mortgages.
I truly enjoy helping people achieve their hopes and dreams . I enjoy meeting different people from all walks of life and changing people's lives through finance broking.

Address

Long Jetty, NSW
2261

Telephone

+61410439590

Website

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