Mortgage Choice - Philip Meilak

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Mortgage Choice - Philip Meilak

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With 25 years’ experience, Philip is a finance and lending expert who prides himself on building s

05/11/2026

When you own a business, it’s worthwhile to regularly review your commercial loans to make sure they’re still working for you.

The benefits of refinancing can include:

Securing a more competitive rate to lower repayments and free up cash flow
Finding a lender with loan features that better suit your business’s needs
Consolidating multiple debts to reduce interest and simplify repayments.
Reach out today to get started.
Ph: 0466945092
Email: [email protected]

Your Commercial Lending Specialist
2026 Commercial Finance Awards 2026 - Finalist - Sole Practitioner of the Year.

03/11/2026

The RBA just increased the cash rate to 4.85% ‼️

That’s five hikes in 2026 alone and the highest cash rate Australian borrowers have seen in 18 years.

Instead of absorbing higher monthly repayments, let’s see where you stand. A home loan review could help you save money by negotiating a sharper rate with your current lender or by exploring more competitive options across over 35 lenders.

📩 Drop me a DM to book a home loan review today!

26/10/2026

Taking that first step onto the property ladder?

While purchasing your very first home is an exciting milestone, navigating deposit requirements, bank policies, and paperwork can quickly get overwhelming. You don't have to figure it out alone.

I can help you compare loan options from over 35 lenders and help make your first home journey clear and straightforward, while saving you hours of paperwork along the way. Contact me today.
Ph: 0466945092
Email: [email protected]
Or book an appointment through my website.
https://www.mortgagechoice.com.au/philip.meilak/

12/10/2026

BEST INTEREST DUTY (BID) and why to speak to a mortgage broker for your finance requirements.
Latest market share data shows the percentage of home loans written via brokers has increased from 55% in 2019 (prior to the introduction of the best interests duty) to nearly 82% in the latest quarter. This demonstrates that borrowers recognise the role mortgage brokers play in driving competition and finding the best loan available to them.
Mortgage Brokers look at multiple lenders and product options to suit your situation. Banks only provide you with the products they have.

If you are looking for finance options to suit your situation, feel free to reach out for a chat.
Ph: 0466 945 092

08/10/2026

A low deposit doesn’t need to stop you from starting the conversation.

Whether you’re a first home buyer or looking to make your next move, I can help you understand the home loan options that may be available with a smaller deposit.

From working out your budget to explaining the application process, I am here to help you take the next step with confidence.

Book an appointment today.
Ph: 0466945092
Email: [email protected]
Website: MortgageChoice.com.au/philip.meilak

07/10/2026

Ready to Purchase your First Home
Concerned about RBA rate rises and whether now is the right time to buy your first home?

Despite the headlines, it’s not all doom and gloom! With recent drops in house prices and support available through the Federal Government's First Home Guarantee Scheme (subject to criteria), breaking into the market is still very much within reach.

Let's figure out the best path forward for you.
Ph: 0466 945 092
Email: [email protected]
Website: MortgageChoice.com.au/philip.meilak

07/10/2026

Ready to buy but have a low deposit?

Getting into the property market can feel out of reach when saving a large deposit takes time. Depending on your circumstances, low-deposit lending options may help you take the next step, sooner.

I can help you understand what’s available, what your repayments could look like and whether a low-deposit loan is right for you.

Book an appointment with me today.
Ph: 0466945092
Email: [email protected]

04/10/2026

Lease Doc finance
If you are purchasing or refinancing a commercial property, you don’t always need to provide years of tax returns.

If you own a commercial property that’s rented out, a Lease Doc loan allows the property’s tenant to effectively ‘qualify’ the loan for you.

A lender will assess the strength of the tenancy and the lease agreement rather than your personal financial history.

Book a 15-minute appointment to find out more.
Ph: 0466945092
Email: [email protected]
Website: https://www.mortgagechoice.com.au/philip.meilak/

03/10/2026

🚨 Important Update for Small Business Owners: ATO Credit Card Changes 🚨

Following the removal of credit card surcharges, the ATO is stopping all credit card payments from November 30, 2026.

We know many small businesses rely on credit cards to bridge cash flow gaps for BAS payments—especially heading into the busy Christmas period. Losing this option will impact day-to-day operations across the board.

Don't let cash flow catch you off guard. Reach out today to explore financing options and solutions available to keep your business moving forward.

📞 0466 945 092

✉️ [email protected]

🌐 MortgageChoice.com.au/philip.meilak

01/10/2026

Refinancing
Many people think refinancing is complicated, but it's actually quite straightforward when you have expert guidance!

I'm here to guide you through the process. Book an 15-minute appointment with me today to explore competitive home loan deals tailored to your goals.
Ph: 0466 945 920
Email: [email protected]
website: https://www.mortgagechoice.com.au/philip.meilak/

Address

Altona Meadows
Melbourne, VIC
3028

Telephone

+61466945092

Website

https://www.mortgagechoice.com.au/philip.meilak/

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