Josh Gilbert - Loan Market Align

Josh Gilbert - Loan Market Align Your local mortgage broker, specializing in residential, personal and business finance in Melbourne.

I have access to home loans from a wide panel of major banks and secure lenders, and I truly understand home finance in a real estate context. Getting your home loan sorted out early can ensure you are in the best position to negotiate for your home on your own terms. And while the home loan application process can seem daunting, it is often simpler than most people think. Get Started Online: https://my.loanmarket.com.au/6f7d4996-e6a3-4533-bb18-96127567c765 #/get-started

Getting your first home loan approved can feel like you're taming a fire-breathing creature made entirely of paperwork a...
08/06/2026

Getting your first home loan approved can feel like you're taming a fire-breathing creature made entirely of paperwork and confusion.

The good news: the 5% Deposit Scheme and Help to Buy programs exist to make that deposit hurdle a lot less terrifying.

You don't have to figure it all out on your own. Let's tame the beast together.

While we fully support doing absolutely nothing productive this weekend, can we suggest one small exception? With EOFY j...
05/06/2026

While we fully support doing absolutely nothing productive this weekend, can we suggest one small exception? With EOFY just weeks away, now is a great time to check whether your loan structure is still working for you.

The right setup can make a real difference at tax time and it doesn't take long with us in your corner. Talk to us this week.

Look, we're not going to pretend the property market has been a walk in the park lately. It hasn't. Prices are up, depos...
03/06/2026

Look, we're not going to pretend the property market has been a walk in the park lately. It hasn't. Prices are up, deposits take longer to save, and 'affordable suburb' has become a bit of an oxymoron. But Australia's homeownership rate has held steady at 62.7% for over a decade. The dream is alive, it just looks a bit different now.

We've broken down what that actually means for buyers in 2026 👇

https://broker.loanmarket.com.au/loan-market-align/blog/the-australian-dream-is-changing-but-still-within-reach//?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

We get it, reviewing your mortgage feels like homework you never signed up for. But if you haven't looked at your rate i...
02/06/2026

We get it, reviewing your mortgage feels like homework you never signed up for. But if you haven't looked at your rate in the last year, there's a real chance you're overpaying.

A quick conversation with us could save you thousands.

Talk to us before the financial year wraps up.

Soft light, desert-inspired palettes, and a touch of the equestrian. 🐎 This is how you do 'Transitional Minimalism.' It’...
30/05/2026

Soft light, desert-inspired palettes, and a touch of the equestrian. 🐎 This is how you do 'Transitional Minimalism.'

It’s a reminder that your home should be a gallery of the things you love most.

All pieces from Adairs.

28/05/2026

Every client’s journey is unique, and being a part of yours is a privilege. 🫡 Knowing we made the process easier is the best reward we could ask for.

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower inter...
28/05/2026

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower interest, simpler repayments, and more room in your monthly budget.

We've put together a quick, no-jargon guide covering:

✅ What debt consolidation actually means
✅ When it might be worth considering
✅ The traps to watch out for
✅ Why structure matters

And if you're thinking about consolidating your debts or just want to simplify your finances, reach out, we're here to help.

Read our quick guide for more 👇

https://broker.loanmarket.com.au/loan-market-align/blog/a-quick-guide-to-debt-consolidation/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

You've been saving. You've been planning. Now you're wondering… is now still the right time to build or renovate? 🤔The h...
26/05/2026

You've been saving. You've been planning. Now you're wondering… is now still the right time to build or renovate? 🤔

The honest answer: construction costs are rising again and this time, it's being driven by fuel price increases linked to global conflict, supply chain pressure, and rising material costs across steel, concrete and more.

What does that mean for you?
✔️ Shorter quote validity periods
✔️ Bigger contingency buffers needed
✔️ Finance structure matters more than ever

The good news? With the right planning, you can still move forward with real strategies to protect your project.

We've broken it all down on the blog, what's driving costs, what to expect, and how to plan smarter.

https://broker.loanmarket.com.au/loan-market-align/blog/what-to-expect-with-renovation-and-construction-costs-in-2026/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

Buying a home involves more than just the purchase price, it’s about your LVR. The Loan to Value Ratio is how banks asse...
21/05/2026

Buying a home involves more than just the purchase price, it’s about your LVR. The Loan to Value Ratio is how banks assess their risk and determine your interest rate. If your LVR is over 80%, you might need to factor in Lenders Mortgage Insurance. Understanding this ratio early can help you plan your deposit strategy more effectively.

Reach out if you want to run the numbers 👇

https://broker.loanmarket.com.au/loan-market-align/home-loans/first-home-loans/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

🏠 Shoutout to every parent who let a school catchment map guide their property search 😂 Zero regrets. All heart. Whateve...
18/05/2026

🏠 Shoutout to every parent who let a school catchment map guide their property search 😂 Zero regrets. All heart.

Whatever your ambition, we're here to help you make it happen.

Address

Level 17, 636 St Kilda Road
Melbourne, VIC
3004

Opening Hours

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

Telephone

+61400003347

Website

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