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My Local Broker My Local Broker is here to get you the most suitable home or investment loan. Talk to your local home loan expert today. We’re here for you.

We know the trends in your area and take the time to understand your property goals. Our expert mortgage brokers are here to find you the perfect home loan!

💰 Think you can afford the loan? Here’s what the bank is actually looking at 👀It’s not just about your income or the pro...
19/10/2026

💰 Think you can afford the loan? Here’s what the bank is actually looking at 👀

It’s not just about your income or the property you want to buy.
Lenders typically look at the bigger picture, including:

📌 Your expenses
💵 Your income
💳 Your ongoing liabilities
🏠 The loan you’re applying for

What feels affordable to you and what a lender can approve aren’t always the same thing.

Understanding the numbers before you apply can save you a lot of stress later.
Got questions about your borrowing capacity? Let’s chat. 👇
📲1300 234 863
🌐 mylocalbroker.com.au

🏠 Quick home loan check-in…Do you actually know what’s happening with your offset account? 👀An offset can potentially he...
16/10/2026

🏠 Quick home loan check-in…

Do you actually know what’s happening with your offset account? 👀

An offset can potentially help reduce the interest you pay on your home loan - but only if it’s set up and working the way you think it is.

So… which one are you? 👇

✅ Yes, and it’s working for me
❌ No, never set one up
🤷 Not sure what an offset account even is
😬 Have one, but not sure it’s actually linked properly

📲1300 234 863
🌐 mylocalbroker.com.au

Can I borrow to purchase commercial property in my SMSF?Yes, you can. Commercial property - think warehouses, factories,...
14/10/2026

Can I borrow to purchase commercial property in my SMSF?

Yes, you can. Commercial property - think warehouses, factories, offices, or medical suites. Under current rules, you can still use a Limited Recourse Borrowing Arrangement (LRBA) to purchase through your SMSF.

Talk to a Local broker about investing in your SMSF
📲1300 234 863
🌐 mylocalbroker.com.au

Using equity for property investment?Here are the risks of using equity for property investment.1. Increased Financial O...
12/10/2026

Using equity for property investment?
Here are the risks of using equity for property investment.
1. Increased Financial Obligations
2.Potential Loss of Assets
3. Additional Ownership Expenses

But here are some of the reasons on how you can protect yourself through careful risk management.

✅ Keep an Emergency Buffer: Avoid using all of your available equity. Maintain sufficient cash reserves to cover unexpected repairs, rising interest rates, periods of vacancy, and other unforeseen expenses.

✅ Keep Your Loans Separate: Where possible, avoid cross-collateralising your family home with your investment property. Structuring loans separately can provide greater flexibility and help limit the properties affected if financial difficulties arise.

✅ Focus on Investment-Grade Properties: Base your investment decisions on research and reliable market data rather than emotion. Look for properties in areas with strong fundamentals, sustainable growth prospects, and consistent rental demand.

📲1300 234 863
🌐 mylocalbroker.com.au

The Right Lender Is Out There for Every Application. 🔑Every application has a right-fit lender.We work with lenders who ...
09/10/2026

The Right Lender Is Out There for Every Application. 🔑

Every application has a right-fit lender.
We work with lenders who look beyond a single "no," matching you with the right fit so your application gets a genuine yes.

📲1300 234 863
🌐 mylocalbroker.com.au

It's a surprising statistic and an even more surprising reason behind it.Many of these applicants are responsible spende...
07/10/2026

It's a surprising statistic and an even more surprising reason behind it.

Many of these applicants are responsible spenders with secure jobs who meet the bank's approval criteria, so why the decline? In most cases, it comes down to their credit score. The stronger your credit score, the more lenders we can approach on your behalf.

Let's check where you're at before you apply.
📲1300 234 863
🌐 mylocalbroker.com.au

With the recent interest rate increase, a few of our lenders are now pushing cashback offers to new clients for purchase...
05/10/2026

With the recent interest rate increase, a few of our lenders are now pushing cashback offers to new clients for purchase and refinance and some of them are worth checking out.
💵 From $1,500 up to $4,000, depending on your loan amount, LVR, and lender criteria.

This could be the perfect time to make a move that actually pays you back.
📩 Reach out to us today and let's see what you could be eligible for.
📲1300 234 863
🌐 mylocalbroker.com.au

Why is equity crucial for investors?1. Faster Wealth GrowthUsing your equity as a deposit lets you get into the investme...
02/10/2026

Why is equity crucial for investors?

1. Faster Wealth Growth
Using your equity as a deposit lets you get into the investment market sooner rather than later. As your new property grows in value over time, your overall net worth can increase significantly.

2. Skip the Cash Deposit
Tapping into your equity means you don't have to spend years saving up a large cash deposit. Instead, you can fund your purchase using value you've already built up.

3. Lower Interest Rates
Because equity-backed loans are secured against residential property, lenders see them as lower risk, which typically means lower interest rates compared to unsecured personal loans.

Thinking about your first investment property purchase? Let's talk about how your equity can get you there. Contact us today.
📲1300 234 863
🌐 mylocalbroker.com.au

The RBA has raised the cash rate to 4.60%.A rate rise from the RBA makes borrowing more expensive for banks. Since they ...
01/10/2026

The RBA has raised the cash rate to 4.60%.
A rate rise from the RBA makes borrowing more expensive for banks. Since they use that money to fund home loans and other lending, many pass the extra cost on to borrowers through higher interest rates.

Want to discuss how we can help you? Reach out to us today.
📲1300 234 863
🌐 mylocalbroker.com.au

Do investment properties come with higher interest rates?Yes, investment property loans can sometimes have higher intere...
29/09/2026

Do investment properties come with higher interest rates?

Yes, investment property loans can sometimes have higher interest rates than owner-occupier home loans.
That said, it’s not always the case. Your interest rate can depend on factors such as your LVR, loan structure, borrower profile, lender and whether you choose principal-and-interest or interest-only repayments.

📲1300 234 863
🌐 mylocalbroker.com.au

Address

Level 1, Building 1, Church Street, Cremorne
Melbourne, VIC
3121

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

(03) 9020 1850

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