Australian Property Home Loans

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Australian Property Home Loans Award-winning mortgage broking business - catering to Australian professionals who want clarity, strategy and a smarter approach to structuring their finances.
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APHL specialises in residential lending, with an additional value add focus on education and financial literacy. Catering to every level of home buying - from first home buyers, next home buyers, families looking for their dream home and investors, my job is to crunch the numbers, devise a plan and put you in the best possible position for success �. In return, I get to watch and support you as you go through your journey of buying your dream home or investment property. My role is to take the stress out of the process and hold your hand every step of the way, with regular real updates. There will be no BS - you control the journey, I just direct you according to your goals and objectives. With access to nearly 50 lenders and 100's of products you will get choice, and I will educate and collaborate with you throughout the journey. https://linktr.ee/aphl.com

Thank you to Kellie Ell of Australian Broker for the opportunity to weigh in on whether I am seeing mortgage distress - ...
13/10/2026

Thank you to Kellie Ell of Australian Broker for the opportunity to weigh in on whether I am seeing mortgage distress - or overcommitted mortgage holders - in the market.

Whilst I would not say I am seeing distress, I am now starting to see clients in "Mortgage Prison" - those who are unable to refinance, as their borrowing capacity no longer permits it.

I am also getting a lot more enquiries about what is next, from proactive mortgage holders who are looking at ways to soften the blow of these rate increases.

There are options. Interest Only isn't always the silver bullet, but it is worth looking into. As are rates, structure and extending your loan term back to 30 years.

It all comes down to your goals and what the overriding pressures are. Refinancing isn't always the answer, so make sure you consult an experienced broker who can talk you through all possible solutions.

13/10/2026

Your mortgage interest rate has just gone up by 0.25.. so now your strategy will mean everything.
Multiple offset accounts are great for those families who keep separate finances, as well as those who siphon money into different accounts according to purpose.
This structure can be so helpful when it comes to keeping money out of the bank’s pocket.. and in yours..

Another broad range of assignments last week.. but the main takeaway here was that all deals were approved within a mat...
11/10/2026

Another broad range of assignments last week.. but the main takeaway here was that all deals were approved within a matter of days.. hours in some instances.

The cash out deals were no questions asked, quotes not required.

The refinances were built on strategies that make the transition both cost effective and structured in a way that is far more efficient than they were.

Banks might be tightening up borrowing capacities, that's a given. But it doesn't mean that they are getting tougher on lending. You just know how to ask for what you need.

Before you approach your bank about taking a pause on your loan repayments, make sure you understand the consequences.Th...
10/10/2026

Before you approach your bank about taking a pause on your loan repayments, make sure you understand the consequences.

There is no such thing as a free holiday, and this arrangement is the same. The bank will put a "Financial Hardship" mark on your credit report - and that thing stays there for 18-24 months. Very few lenders will touch a file with a blemish like that on a file.

I am seeing an increase in missed repayments on credit files. It's not something anyone can afford to be doing right now - it will limit your options for the future. Make your minimum repayments - or look at debt consolidation. Discuss your scenario with a broker you can trust, who will explore all possibilities for you.

A repayment pause should be your very last, desperate option..

Most lenders assess your borrowing capacity on today's rates, plus 3%. Yes, you can refinance with some lenders with a ...
08/10/2026

Most lenders assess your borrowing capacity on today's rates, plus 3%. Yes, you can refinance with some lenders with a 1% buffer, but you will be limited in the debt you can consolidate. It also won't help you with a purchase.

As capacities are getting more and more squeezed, flexible options are increasing in demand. Enter this proactive lender...

This option will assess you on today's rates plus a 2% buffer - increasing your ability to consolidate some of those smaller debts at high rates - or afford you more money to buy that home you have your eye on.

And rates are competitive!

https://calendly.com/australianpropertyhomeloans/home-loan-download-introduction-check-in

07/10/2026

Let’s talk interest only home loans..
Recent rate hikes have seen more mortgage holders enquire about this option, and it’s important to understand how to position that conversation. It’s also important to understand how your borrowing capacity will drive the outcome.
Taking this approach can definitely alleviate some pressure on cash flow, but make sure you understand the best strategy for a successful outcome.

30/09/2026

Three different text messages within three days, from three different clients.

Each of them confirming my values in Customer Service. Being a “rock”.. and going above and beyond ❤️

I found this article both interesting, and frustrating.Frustrating because it appears that many of the survey participan...
29/09/2026

I found this article both interesting, and frustrating.

Frustrating because it appears that many of the survey participants didn’t actually know for sure, where they stood. In my eyes, the majority of responses should either have been “Not at all Likely” or Extremely Likely” to buy a home in the near future.

Why?

Because it means they’ve had that conversation with a broker, or another expert in that space, and they know their numbers. They either have their strategy mapped out, or they understand that their circumstances won’t permit home ownership in the near future.

I’m guessing that the others haven’t had the conversation, based on the assumption that they can’t do it.

I’m not saying buying a home isn’t challenging.. it is. What I am saying though, is that there are a large number of people out there who could make that move, but haven’t.. because they haven’t had the right conversations.

I see it often! And more often than not, clients are surprised by just how close they are, to getting out of that rental cycle. But yes, it takes discipline and a firm strategy.

I'm not going to lie - today's rate announcement seems to have hit differently.My phone and emails have not stopped.Ther...
29/09/2026

I'm not going to lie - today's rate announcement seems to have hit differently.

My phone and emails have not stopped.

There are a few things to be across here:

🏠 Your borrowing capacity if you are buying. Your maximum purchase price may now well have shifted downwards

💰 Your current interest rate.. but don't just jump for a miniscule difference - that will cost you money.

💰 Your ability to refinance, if you wanted to down the track. This is a big one - I am already seeing clients unable to refinance, due to their mortgage being greater than their borrowing capacity now. There may be other lender options with smaller assessment buffers, but they are limited and there is a cap on your ability to cash out.

💰 Your new repayment figure - and how that sits within your budget. Review your budget.

💰 Is there a need to move to interest only for a bit - or refinancing over 30 years again?

Happy to talk through any of this - via the link below:

https://calendly.com/australianpropertyhomeloans/home-loan-download-introduction-check-in

28/09/2026

I’m expecting more of this in the coming months.. debt consolidation.

Essentially, this is consolidating debt facilities with higher interest rates, into your mortgage.

Much lower rate and lower repayments - which in turn, takes pressure off your cash flow.

The structure of this strategy will determine whether you are actually saving money though, so make sure you consult an expert in this space, so that the pros and cons are explained to you comprehensively.

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Melbourne, VIC

Telephone

+61409099603

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