What are the opening hours?

Monday 8am - 10pm Tuesday 8am - 10pm Wednesday 8am - 10pm Thursday 8am - 10pm Friday 8am - 10pm Saturday 8am - 10pm Sunday 8am - 10pm

https://www.lngmortgagesolutions.com.au/, https://booking.lngmortgagesolutions.com.au/booking-page, https://booking.lngm

LiemNgo - Mortgage Broker in Delahey, Delahey, Melbourne (2026)

19/06/2026

Some tips to help you buy your next car for less.

Enjoy that new car smell longer.

There is something special about buying a brand new vehicle - the smell... the pristine paint... the purring of a well timed and perfectly balanced motor.
.. So how do you ensure that feeling is not soured as you drive out of the car dealership?

Car dealerships can be a very high pressured sales environment. The salesperson has a number of techniques they will utilise to ensure their bottom line is better than yours.

The most important factor to ensure you obtain a 'good deal' is to do your research before you start negotiating.

When buying a new vehicle, generally a number of individual transactions take place:

1. purchasing your new vehicle,
2. selling your old vehicle, and
3. organising finance.

When negotiating, you should strive to win on each of these transactions.

Before entering negotiations with the salesperson it is recommended you complete the following steps, which are outlined here in my latest factsheet: "Enjoy that new car smell longer!"https://www.mortgageaustralia.com.au/email/files/enjoythatnewcarsmelllonger.pdf

17/06/2026

Big Stamp Duty Savings for ACT First Home Buyers

If you’re planning to buy your first home in the ACT, there are several generous government schemes designed to reduce your upfront costs and help you into your new home sooner. With increased value thresholds and broader eligibility, now is a great time to explore your options.

Here’s a clear overview of the key programs available:

1. Home Buyer Concession Scheme

From 1 July 2025, eligible first-home buyers can receive a full stamp duty concession on the first $1,020,000 of their property’s value.

Eligibility highlights:

* Must not have owned property in the last five years (with an exception for family violence situations).
* From 1 July 2024, income eligibility increases to $250,000, plus $4,600 for each dependent child.

This scheme helps first-home buyers across a wide range of property types.

2. Off-the-Plan Duty Concession

If you're buying an apartment or townhouse off-the-plan, you may be eligible for a full stamp duty exemption.

* Property value limits increase to $1,020,000
* Applies to purchases from 1 July 2025 to 30 June 2026

Designed to support buyers entering the market early in the build phase

3. RZ1 Unit Duty Exemption Scheme

This scheme supports the purchase of dual-occupancy homes on RZ1 residential blocks:

* Full stamp duty concession for eligible properties up to $1,020,000
* Applies between 1 July 2025 and 30 June 2026

Encourages affordable housing within established suburban areas

4. Disability Duty Concession Scheme

Designed to support home buyers with disabilities:

* Offers full or partial duty concessions
* From 1 July 2025, eligible buyers may be fully exempt from stamp duty
* Applies to homes valued at $1,020,000 or less where the property will be the buyer’s principal residence

5. Pensioner Duty Concession Scheme

From 1 July 2025, eligible pensioners can receive:
* Full stamp duty concession on property purchases up to $1,020,000
* Helping older homeowners downsize more easily within the ACT

How to Apply

Your conveyancer, solicitor, or lender can help submit the necessary documentation and apply for the concessions during the transaction. Be sure they know which schemes you may be eligible for to maximise your savings.

See all posts related to first home buyers at:

16/06/2026

What you need to know about the most important part of your home loan:

Are you an expert on all lending related topics? That's okay - most people aren't. If you're still trying to understand the truth about interest rates, you're not alone. Here are a few answers to the questions you were too embarrassed to ask.

How are interest rates determined?

The Reserve Bank of Australia (RBA) sets the official interest rate or 'cash rate' which takes into account a whole list of factors about how the economy is performing at that point in time.

The RBA meets once a month to review the inflation rate, unemployment figures, CPI, PPI and retail sales, and from that information they decide whether to increase, decrease or leave on hold the official cash rate.

The cash rate is the interest rate that the banks and lenders will pay to the reserve bank. If this increases, your lender will usually pass the cost onto you - the borrower. If the cash rate decreases - the reserve bank intends that the savings should also be passed on by your lender - but this isn't always the case.

By moving the interest rates up and down, the RBA tries to keep the Australian economy in check, by either slowing things down to keep the cost of living under control, or speeding up spending to help boost growth in certain areas.

What are the different types of interest rates?

The two main types of interest rates are Variable and Fixed.

Variable rates are usually a bit lower, and you pay the best going rate at the time. If the cash rate increases, your lender will increase your variable interest rate. But if the cash rate decreases, your repayments will usually go down.

Fixed interest rates are locked in for a period of time -usually just a couple of years - so that you know exactly how much you will need to budget for. This can be helpful for borrowers on a strict budget who can't afford a lot of interest rate rises in the short term. However you will usually pay a higher interest rate overall if you choose this option.

Which interest rate is best for me?

The decision of whether to choose a variable or fixed interest rate should be made after carefully considering your own personal needs and commitments.

A mortgage broker should be able to help you weigh up the pros and cons to work out the best option.

16/06/2026

Avoid these Common Mortgage Mistakes:

For many homeowners, it's easy to get caught up in all of the excitement, and stumble into one or more of these embarrassing mortgage mistakes. Unfortunately I see it very often.

Getting a Standard Variable Rate loan:

Banks love nothing more than putting customers into a Standard Variable Rate. They heavily promote the extra flexibility and offset facility. The reality is it is very rarely worthwhile for the average customer to pay the higher rate for the extra features.

Even if you have a large amount of money to put in an offset account, you could achieve much the same thing with a basic loan with a redraw facility and pay a much lower interest rate.

If you want a fully featured loan, compare the costs of these extra features to the lender's cheaper products. Or better yet, push for a liefetime discount package on the standard loan and get the best of both worlds.

Honeymoon Rates:

There's an old saying - 'if it sounds too good to be true, it probably is'. This is the best way to describe 'Introductory Rate' home loans. Don't get me wrong, there are some great offers out there, and a low rate in the first year or two can make all the difference to your weekly budget. But to avoid future pain, it's best to base your comparison on the rate that you will pay when the honeymoon is over.

Rate Rises:

Part of the loan application process is to work out what you can afford to repay, based on current interest rates. But did you consider what would happen to your budget if interest rates were to increase? Many Australians have been caught out in the past, with disastrous consequences. The best way to avoid becoming one of these cautionary tales is to be mindful of both your purchase price, and the impact that future rate rises will make on your loan repayments.

Savings Fatigue:

It was a long and difficult journey to save that deposit. You might have taken on extra work, missed out on overseas travel, avoided fine dining or sacrificed your cable TV. But now is not the time to let your hair down - especially if you haven't reached your settlement date. After you hand over the deposit, you'll still need to ensure that you can cover stamp duties, conveyancing fees and moving costs. For the unlucky few, there could even be unexpected maintenance costs after you settle. (It's funny how the hot water service always seems to hang in there until the worst possible moment). So try to keep your good money habits going a bit longer.

Don't blow the budget:

Most of us take the time to think about how much we want to spend before we start making an offer on our next home, or gesturing wildly at an auction. But sometimes we get carried away and don't want to risk missing out on our dream home. So who really wins in this scenario? The vendor and the real estate agents of course! Not the proud new home owner, who has just committed to a purchase price and mortgage that he can't really afford.

Inflexible loans:

Just like electronics and furniture, when it comes to a mortgage you get what you pay for. There are some very cheap (and nasty) options available to borrowers. Some of these might seem appealing but it's important to consider the features that you need in a loan - today and a few years down the track.

13/06/2026

Drive away in your dream car. Contact me for a low cost carloan.

13/06/2026

Do you know the difference between how much you 'can' borrow, and how much you 'should' borrow?

There might be a very big difference between how much a lender is willing to give you, and how much you can comfortably afford to repay.

So how do you work out your real 'should' borrowing capacity? Don't you want to be sure that you can afford to make the repayments on your loan?

Lenders will take into account your ability to repay the loan, based on what you earn, how many dependants you have, what your credit rating is, and your declared living expenses.

However, lenders only know what you tell them, and there are a few things you need to take into account that might not be considered by a lender when deciding on your borrowing capacity:

Job Security

How secure do you think your job is? If you've worked for the same company for several years and earn a decent wage, your lender will view this very favourably.

But have you been hearing murmurs about a possible restructure? Do you work in a department that could potentially be outsourced offshore?

You're in a much better position to assess your job security than a lender is, and you need to be realistic. If you commit to the maximum loan amount and then your role is made redundant, you might struggle to keep up your end of the bargain.

Job Satisfaction

Your excellent employment history was a definite tick for your lender, but how do you feel deep down about your job?

Have you just been hanging on until you can get finance approved? If this is the case, think carefully about how much you should borrow.

You might need to take a pay cut early on, if you decide to move into a different line of work.

Family Planning

You answered 'zero' when asked about your dependants, which contributed to the assessment your lender made when offering you a bumper loan.

But what if you were suddenly expecting a child, or if you decide to expand your family a few years down the track?

Your Lifestyle

You might be able to 'afford' the repayments on a big loan, but what happens when mother's day, your brother's birthday and your car registration all come around at once and you need some extra cash?

Or maybe you would like to take a holiday at some stage next year. Don't leave yourself short, or it's going to be a very long 25 to 30 years.

Your other goals

Would you really love to continue your studies in a few years? Do you dream of taking off for a few months to take the kids around Australia?

Don't forget about your other dreams and goals when you work out how much to borrow.

You still need to have a life, and some things are more important than having a spare room for your shoe collection.

12/06/2026

Weekly Home Loan Snapshot (12/06/2026)

Hi everyone!

Whether you’re a first-home buyer, planning to refinance, an investor, or just curious about current rates, this snapshot gives you a quick overview of what’s happening in the lending market.

See the attached update!
----------------------------------------------
Important Notes (Key points to help explain the attached document):

1. P&I – Principal & Interest
All repayments listed are based on principal and interest unless otherwise stated.

2. Comparison Rates
The comparison rate represents the total cost of a loan expressed as an annual percentage, combining the interest rate with most fees and charges to help you compare loan options more accurately. Comparison rates shown are based on a secured loan of $150,000 over a 25-year term. Different loan amounts and terms will result in different comparison rates.

3. LVR – Loan-to-Value Ratio
The LVR is the percentage of the loan amount compared to the value of the property you are buying or building.
Example: A $400,000 loan for a $500,000 property has an LVR of 80% ($400,000 ÷ $500,000 × 100).
Lenders may accept higher LVRs, but generally, the higher the LVR, the higher the interest rate.

4. Interest Rates & LVRs
Interest rates should always be viewed alongside the applicable LVR. The same loan product may offer different rates at different LVR tiers, so it’s important to ensure the rate shown aligns with the correct LVR for your situation.

5. General Disclaimer
This information is for general guidance only. It does not take into account your individual situation, financial position, or eligibility. Please contact your mortgage broker or lender for advice specific to you.

10/06/2026

Big Savings for First Home Buyers in SA

If you’re looking to buy your first home in South Australia, there’s never been a better time. The SA Government has introduced generous grants and incentives that could significantly reduce your upfront costs and help you get into your new home sooner.

Here’s a quick breakdown of what’s available:

1. First Home Owner Grant (FHOG)

* SA offers a $15,000 for eligible buyers purchasing or building a new home.
* No property price cap, giving buyers more flexibility
* Applies to houses, townhouses, apartments, off-the-plan, and custom builds

2. Full Stamp Duty Relief (Effective 13 February 2025)

From 13 February 2025 onwards, first-home buyers benefit from full stamp duty relief, regardless of property value, when purchasing:

* A new home
* An off-the-plan apartment
* Vacant land to build a new home

This means zero stamp duty, even for higher-value properties, saving buyers tens of thousands.

3. HomeStart Finance – Shared Equity Option

HomeStart, the SA Government’s lending initiative, offers:

* Low-deposit home loans
* Shared equity options to reduce your loan amount
* Fee assistance and tailored loan products

This gives eligible buyers a more accessible pathway into home ownership, especially those with limited deposits or modest incomes.

How to Apply

Your conveyancer, solicitor, or lender will generally lodge the applications on your behalf. Just make sure they know which grants or concessions you qualify for.

See all posts related to first home buyers at:

10/06/2026

How to avoid disappointment when downsizing:

Just as many young families look to upgrade their home at some point, most of us will eventually decide that it's time to downsize.

You might be getting closer to retirement age and feel like it's time to free up some cash, rather than having it all tied up in your assets. Perhaps you can't see the point in maintaining a 5 bedroom home just in case the grandchildren come to stay.

Some retirees decide to downsize because they want to travel more, and a low-maintenance home is a better fit. And then unfortunately there are some people who are forced to downsize for less pleasant reasons, such as financial hardship, divorce, or the death of a spouse.

Whilst downsizing might seem like the solution to all of your problems, it's not always smooth sailing. Many downsizers jump from the frying pan into the fire by making an impulse purchase without doing their research. To avoid running into trouble - make sure you consider all of these factors:

Where do you really want to live?

It might seem like a lovely idea to spend your retirement in a small country town, reading by the fire in your single bedroom cottage. But how far would you be from family and friends? Many downsizers move to their dream location, only to find that it's rather lonely and their children don't visit nearly as much as they thought.

If you decide after a couple of years that you're not happy with your decision, it might be difficult to get back into the property market closer to home. Think carefully about where you really want to be in the long term.

What amenities do you need to have nearby?

You might be in fairly good health now, but it could be a great help one day to live within striking distance of a medical centre. It's also worth investigating the distance to the nearest shops, restaurants, cinemas and recreational facilities.

What type of property do you prefer?

Do you plan to keep any of your furniture? How do you feel about growing older in a house with a spiral staircase? It's important to think about what suits you now, and into the future when it comes to choosing a property to downsize into. If you're moving from a mansion on 20 acres, you might struggle to adjust to a single bedroom townhouse.

What lifestyle are you looking for?

Do you love peace and quiet? Do you want to be surrounded by other people around your age? Think carefully about what's important to you. If you love your privacy and the sounds of nature - a little unit in a bustling retirement community might not be your ideal downsizing opportunity.

What are the real costs of downsizing?

Although you're probably looking to free up some cash, it's important to look into the costs associated with selling your property, and buying your next property.

Some retirement communities charge enormous fees, and if you choose a unit or townhouse you might be up for Owner's Corporation fees on top of your council rates.

Examine the numbers to make sure you're really saving money.

09/06/2026

Face the future with greater certainty with a fixed rate home loan.

One in five Australians taking out a home loan is now opting to fix their interest rate, according to a recent AFG Mortgage Index.

Not only are fixed rates proving popular in the midst of global economic uncertainty, many borrowers are cashing in on unprecedented, increased competition around fixed rate loans.

Traditionally, lenders have set fixed rates a smidge above the average variable rate. At the moment, however, many institutions are offering fixed rates below others' variable rates, prompting savvy borrowers to shop around.

The main benefit of a fixed rate is certainty. Regardless of shifts in the economic sands, your mortgage repayments stay the same, allowing you to budget with more confidence. If official interest rates rise, your mortgage repayments are unaffected. On the flip side, of course, if interest rates drop, you won't benefit.

With experts wavering on whether local interest rates will go up, down or nowhere over the next 12 months, now could be an opportune time to take advantage of special offers around fixed rates.

Some lenders, for example, are offering fixed rates at 0.8 per cent lower than the standard variable rate of other institutions. On a $300,000 loan, that equates to a $200 saving in interest each month.

Fixed rates are generally based on what the economy may do over the next three to four years, while variable rates are more aligned to the current cash rate, set by the Reserve Bank of Australia. At the moment, this is overlaid with the fact lenders are looking to drive movement in the market through competition.

Although Australia's economy is deemed very stable against the backdrop of the European debt crises and slow economic recovery in the United States, home owners have been happy to sit on the sidelines to see how it all plays out before making any decisions about buying and selling.

As a result, many financial institutions have been trying to entice us back in the game with competitive fixed rates.

As with all borrowing situations, your decisions should be based on your circumstances and financial goals. However, there are some basic pros and cons that apply to fixed rates that you should consider.

The biggest benefit of a fixed rate, is knowing exactly what your repayments will be for a set period - usually one to five years. This can be a real advantage if you are considering a career change, starting or expanding a family or have kids moving into private education, because it can ease the stress of budgeting.

On the downside, fixed rate loans tend to be more restrictive than variable ones. You usually can't make additional payments, plus lenders generally charge high break fees if you want to exit the loan during the fixed period.

If you want to tap into the benefits of both a fixed and a variable rate, consider splitting your loan so a portion of your debt is exposed to shifts in official rates - up or down - and the rest is locked into a set rate.

With official interest rates sitting at affordable levels and question marks hanging over which way they will head over the next 12 months, it's worth chatting with your local Mortgage Broker about fixed rates and what the market has to offer. It may be just the move to help you face the future with some certainty.

LiemNgo - Mortgage Broker in Delahey

19/06/2026

17/06/2026

16/06/2026

16/06/2026

13/06/2026

13/06/2026

12/06/2026

10/06/2026

10/06/2026

09/06/2026

Address

Opening Hours

Telephone

Website

Alerts

Contact The Business

Shortcuts

Featured

Share

Category

Monday	8am - 10pm
Tuesday	8am - 10pm
Wednesday	8am - 10pm
Thursday	8am - 10pm
Friday	8am - 10pm
Saturday	8am - 10pm
Sunday	8am - 10pm