Mortgage Choice Div Kaur

Mortgage Choice Div Kaur Your local mortgage broker guiding you on the process of home loan, Commercial loan, Car loan & more

🏡 Same Income. Different Outcome.Think all banks assess your home loan application the same way? Think again.Meet a coup...
04/06/2026

🏡 Same Income. Different Outcome.

Think all banks assess your home loan application the same way? Think again.

Meet a couple earning a combined income of $150,000 per year.

📊 They applied with three different lenders:

✅ Lender A: Approved up to $560,000
❌ Lender B: Declined the application
🎉 Lender C: Approved up to $750,000

That's a massive $190,000 difference in borrowing power — with the exact same income and circumstances.

So how is this possible?

Every lender has different:
✔️ Serviceability calculations
✔️ Living expense benchmarks
✔️ Overtime and bonus income policies
✔️ Debt assessment methods
✔️ Credit policy requirements

Choosing the wrong lender could mean missing out on your dream home or paying more than you need to.

As a mortgage broker, I compare lenders to help find the right fit for your situation—not just the lowest rate.

📞 Before you apply, let's check your borrowing capacity properly.

Div Kaur (0433 912 686)
Mortgage Broker | Mortgage Choice

🚀 HOME LOANS MADE SIMPLE 🏡Whether you’re buying your first home, refinancing, investing, or building — I’m here to help ...
20/05/2026

🚀 HOME LOANS MADE SIMPLE 🏡

Whether you’re buying your first home, refinancing, investing, or building — I’m here to help make the process easy, stress-free, and tailored to your goals.

With access to a wide range of lenders and personalised guidance every step of the way, I’ll help you find the right loan solution for your needs.

✅ First Home Buyers
✅ Investment Loans
✅ Refinancing
✅ Construction Loans
✅ Loan Reviews

📞 Let’s chat about your property goals today.

— Div Kaur
Mortgage Choice

Federal Budget 2026: What it means for YOUR mortgage and investments.The 2026 Federal Budget was delivered last night, a...
13/05/2026

Federal Budget 2026: What it means for YOUR mortgage and investments.
The 2026 Federal Budget was delivered last night, and there are some major shifts on the horizon that every Australian property owner and investor needs to know about. 🏠📉

As your local mortgage expert, I’ve broken down the three biggest updates that could impact your financial strategy:

1️⃣ Negative Gearing Changes: From 1 July 2027, negative gearing will be restricted to new builds only. If you purchase an existing home after Budget night, you will no longer be able to offset those losses against your salary.

2️⃣ CGT Overhaul: The familiar 50% Capital Gains Tax discount for assets held over a year is ending. Moving forward, we’re looking at an inflation-based indexation model and a minimum 30% tax rate.

3️⃣ Cost-of-Living Relief: On the brighter side, workers will see a $250 annual tax offset starting in 2027-28, plus a new $1,000 instant tax deduction for work-related expenses.

Wondering what this means for your current loan or your next investment? With these changes looming, now is the smartest time to review your mortgage structure and ensure your portfolio is future-proofed.

Don't wait for the deadline—let’s chat today!

📞 0433 912 686
📧 [email protected]
🌐 www.mortgagechoice.com.au/divneet.kaur

Your next property move doesn't have to be a traditional purchase.From renovating to rebuilding or investing, there are ...
12/05/2026

Your next property move doesn't have to be a traditional purchase.

From renovating to rebuilding or investing, there are many ways to achieve your goals. The secret is matching the right strategy with the right home loan.

This Mother’s Day, we celebrate every kind of mum and every kind of love. 💐To the mums doing it all, the grandmothers, s...
10/05/2026

This Mother’s Day, we celebrate every kind of mum and every kind of love. 💐

To the mums doing it all, the grandmothers, single mums, working mums, foster mums, pet mums, aunties, sisters, and the women who mother with their hearts every single day — we see you, appreciate you, and celebrate you. 🤍

Thank you for the strength, sacrifice, warmth, and unconditional love you bring into the world.

Happy Mother’s Day from Div & the Mortgage Choice family 🌸

The Reserve Bank of Australia has increased the cash rate to 4.35%. Lenders will likely pass on this rate increase – whi...
06/05/2026

The Reserve Bank of Australia has increased the cash rate to 4.35%. Lenders will likely pass on this rate increase – which will add pressure to household budgets. However, the good news is there are options available that may help ease the impact.
While we can’t control the RBA’s decisions, we can review your loan options, see whether a more competitive rate is available, or explore loan features that could help make your repayments more manageable.
Plus, when you apply to refinance with me before 16 May, you'll enter our monthly draw to win $5,000* - which could mean your next monthly mortgage repayment is on us.
Let’s take control of your repayments today.
☎ 0433 912 686
📧[email protected]

06/05/2026

The Reserve Bank of Australia has increased the cash rate to 4.35%. Lenders will likely pass on this rate increase – which will add pressure to household budgets. However, the good news is there are options available that may help ease the impact.

While we can’t control the RBA’s decisions, we can review your loan options, see whether a more competitive rate is available, or explore loan features that could help make your repayments more manageable.

Plus, when you apply to refinance with me before 16 May, you'll enter our monthly draw to win $5,000* - which could mean your next monthly mortgage repayment is on us.
Let’s take control of your repayments today.
☎ 0433 912 686
📧[email protected]

Buying a home can feel overwhelming, but getting ahead of the game can be easier than you think. It all starts with know...
01/05/2026

Buying a home can feel overwhelming, but getting ahead of the game can be easier than you think. It all starts with knowing what not to do.

Your 2026 home loan journey starts with a simple conversation. Get in touch with me today.
☎ 0433 912 686
📧[email protected]

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Marsden Park, NSW
2765

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