Mortgage Choice Ivanhoe

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Mortgage Choice Ivanhoe

Our goal is simple: to improve the financial lives of everyday Australians by matching them with the
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30/03/2026

Bridging loans can be a great option to secure your next move, but it’s important to go in with a clear strategy.

Here are the top tips to consider when applying for a bridging loan: ⬇️

Pay interest as you go: Some lenders let you add interest repayments to your 'peak debt' rather than paying interest during the loan period. While this can help with cash flow management, it also increases your loan balance each month (and you'll pay interest on that new, higher amount). Paying the interest as you go keeps your peak debt from growing.

Avoid LMI: Try to keep your 'end debt' under 80% of your new home's value to avoid paying Lender’s Mortgage Insurance (LMI).

Watch the clock: Bridging loans are short-term, usually 6 to 12 months. List your home as soon as you can to avoid exceeding the timeframe.

Talk to a broker: We can guide you through the bridging loan process. We’ll walk you through your options and help you power your next move with confidence.

26/03/2026

Rentvesting is a great option if you want to secure your place on the property ladder, but can’t afford to buy a home in the location or with the space you want.

There are pros and cons when it comes to this type of investment strategy. Here are a few to keep in mind:

Pros:
▪️ Enter the property market sooner
▪️ Live where you want to
▪️ Build equity and an income stream from your rental property
▪️Start building your investment portfolio.

CONS:
▪️ You’ll need to pay rent, plus any costs on the property you own but rent out
▪️ You’re not buying a house to live in
▪️ Rental rules will apply to the property you’re living in
▪️ Less certainty about your ability to stay in your rental property long term.

If you’re interested in rentvesting, there’s a lot to consider. I can work through the different options with you and help find the right investment loan for you.

Talk to us today.

24/03/2026

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.

19/03/2026

The numbers speak for themselves – more Australians are choosing mortgage brokers for home loan support.

At Mortgage Choice, we can access thousands of home loan options from our panel of more than 35 lenders, giving you more options, more choice and more potential savings.

We’ll take care of the research, paperwork and negotiations on your behalf to find a loan that will help you meet your financial goals.

Reach out today to get started on your home loan journey.

10/03/2026

Introduced in October 2025, first home buyers in Australia can purchase a property with just a 5% deposit, no income caps, higher property price caps (depending on your location) and no LMI.

The key to your first home? It could be just a 5% deposit away.

Chat to us today to get started!

03/03/2026

Are you ready to take your property investment portfolio to the next level?

At Mortgage Choice, we can help both aspiring and experienced property investors understand their investment loan options – comparing products from more than 35 lenders to find the right fit for you.

Let us handle the research, paperwork and lender negotiations while you focus on reaching your investment goals.

26/02/2026

A bridging loan may sound complicated, but with the right product and a broker by your side, the process can be seamless and straightforward.

Here’s a simple breakdown of how a bridging loan works:

1. The bridging lender takes over your existing mortgage AND provides the finance you need to buy or build your new home. The total amount they lend you (including your existing mortgage) is called your ‘peak debt’.

2. You make interest-only repayments on the peak debt, or your lender may allow you to add the interest payments to your peak debt instead.

3. When you sell your property, the sale proceeds are deducted from your peak debt. Your bridging loan then converts to a standard home loan.

Talk to us today about using a bridging loan to power your next move.

24/02/2026

Is this you?

✅ First home buyer
✅ 5% deposit saved
✅ Want to avoid Lender’s Mortgage Insurance

With no income cap and higher property price limits, the Government 5% Deposit Scheme could be your fast track to a place of your own. Reach out to us today and take the first step!

20/02/2026

Review your home loan today to see if refinancing could save you money or provide access to better loan features.

We can compare thousands of loan options from over 35 lenders or negotiate a better rate with your current lender, ensuring you land the right loan for you.

Talk to us today.

14/02/2026

Is your home loan treating you right?

If you haven’t reviewed your home loan in a while, you might be letting a better deal get away.

After three cash rate cuts last year, now is a great time to review your home loan to see if you're still on a competitive rate.

Reach out today to book a home loan review.

12/02/2026

If you’re interested in getting up-to-date information about your current property or one you’re looking to buy, ask us for a PropTrack property report.

The insights and data available within these reports is designed to help you make informed property decisions.

To learn more, contact us today.

Address

11 Bell Street Ivanhoe
Melbourne, VIC
3079

Website

https://www.mortgagechoice.com.au/dan.mcnamara/

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