Australian Property Home Loans

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 yo

u 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

02/09/2026

This advice doesn’t just apply to first home buyers.. it applies to upgraders and investors as well.
Knowing your numbers is the only way you’ll successfully buy property.. and having the right team to support you will save you time and pain. A property transaction is a significant financial investment, why wouldn’t you incorporate experts from varying fields to ensure you are investing well and in a manageable way?

Jim in IT may have a very different set of circumstances to yours!The rate on your home loan is determined by your set o...
31/08/2026

Jim in IT may have a very different set of circumstances to yours!

The rate on your home loan is determined by your set of circumstances - your employment type, the value of your property, your loan amount, and more importantly, the policies that support you getting a home loan.

If you are concerned that you are not getting the best possible deal for your home loan, and that Jim is on a better deal, reach out to a broker who can go through every possible lender and every possible property valuation for you, with a fine toothed comb.

Because that is the only way you will know if you could do better.

A cooler property market is great for buyers, but not for owners.This Spring is already shaping up to be a slower market...
31/08/2026

A cooler property market is great for buyers, but not for owners.

This Spring is already shaping up to be a slower market, with new listings 8.2% below the running 5 year average, according to Cotality data. Vendors are becoming more cautious and buyers are acknowledging that they have the upper hand.

I have said this before and it remains very relevant. If you have plans to refinance or cash out equity for anything - a car, school fees, a holiday, renovations... anything that might be on the cards in the next 6-12 months, I recommend making that move now. Cooler markets mean lower valuations - and that can mean changes to your borrowing capacity and future plans.

Let the money sit in the redraw if you don't need it now - but best to extract it while you can.

The message is pretty clear now, that trimmed mean inflation figure is looking very stubborn at 3.6%. The “ideal band” o...
26/08/2026

The message is pretty clear now, that trimmed mean inflation figure is looking very stubborn at 3.6%.

The “ideal band” of 2% to 3% that the RBA is pushing for is looking unrealistic.

Rate drops feel like they are going to be a long way away, holding is the more likely option for quite some time now, but don’t rule out another rate increase.

Banks are still chasing business. Reach out if you want to revisit your options, while your borrowing capacity remains intact.

https://calendly.com/australianpropertyhomeloans/refinance-repricing-information-session

Yet another lady we have managed to support, whilst going through a life changing set of circumstances.Whilst every tran...
25/08/2026

Yet another lady we have managed to support, whilst going through a life changing set of circumstances.

Whilst every transaction needs a level of support, education and reassurance, some just need that extra little bit of empathy and guidance.

This lady was going through significant change, and needed a strategy to come out the other side the way she was hoping to.

All it took as a bit of time and some consistent support. Her new life begins from 2.00pm this Friday. 😊

This was just one example of an Upgrader strategy I worked on this month.When you are looking to improve your home or kn...
24/08/2026

This was just one example of an Upgrader strategy I worked on this month.

When you are looking to improve your home or knock down and rebuild, we go to the lender upfront to determine the "on completion" valuation.

This will give us exactly how much equity we can take out as cash for the new build or major renovations.

In this instance, the clients were making significant improvements to their property and the new valuation reflected that. On top of this, we were able to refinance them from their current lender to a much better rate - and a lender who is very well versed with Construction loans.

By doing this, the clients will now get a brand new home, designed exactly for their new family requirements, in a neighbourhood they know and love - without the costs of selling or buying again. Major savings for them - all tied up with a better rate than the one they previously had.

Seems a no brainer, hey? Drop me a line if this is a strategy you are contemplating, given the current stock shortage in the market.

What happens when banks need more business?It’s no secret that lenders are seeing a slowdown in loan applications, with ...
23/08/2026

What happens when banks need more business?

It’s no secret that lenders are seeing a slowdown in loan applications, with some reporting volumes down by as much as 20%. And when banks want more business, they need to compete for it. Think discounts.. but it can also mean changes to lending policy.

One change I have recently seen is for First Home Buyers. Typically, anyone borrowing above 90% LVR have traditionally needed to demonstrate a 90-day savings history to meet "genuine savings" requirements.

But two lenders I work with are now accepting gifted funds without requiring that money to sit in the buyer’s account for 90 days.

We’re seeing more Australians receiving substantial financial help from family to buy their first home. Removing that 90-day requirement could mean some buyers are able to move forward sooner than they expected, and I think we’ll see more of these kins of flexes by lenders.

Lenders are competing for business, and that means new incentives, sharper pricing and policy changes. If you were told “no” six months ago - or you think there’s something standing between you and buying a property - check again. The barrier you thought you had may no longer be a barrier at all.

When meeting with new clients, my goal is for them to feel so empowered, they don't need to call me every time they have...
19/08/2026

When meeting with new clients, my goal is for them to feel so empowered, they don't need to call me every time they have a question about their mortgage. Of course they are welcome to, but I want them to understand it to the point that they are operating it autonomously - up to our review time (usually 6-12 months after settlement).

I want them to know what their offset does, why their loan is structured the way it is, what happens when rates move and what they can do themselves to reduce the interest they pay.

I still have a few openings for my 20-minute Home Loan Education Sessions for the last week in August, which goes over some of these points. If you think you might benefit from these, sign up! There will be no assumption about what you should already know, just an opportunity to bring your questions.

And if you already have a mortgage.. who knows, you might end up saving even more money by going through the experience..

https://lnkd.in/gYjCJjpt

A borrowing capacity is not a home buying strategy. Yet nine times out of ten, when people start their home loan journe...
18/08/2026

A borrowing capacity is not a home buying strategy. Yet nine times out of ten, when people start their home loan journey, that's all they walk away with.. a maximum number that they can borrow.

That on its own means nothing - and at Australian Property Home Loans, we go much deeper. Yes, we'll calculate your borrowing capacity, but we'll also look at your savings, your ideal purchase price, your risk appetite and, importantly, what repayments actually feel comfortable for you.

Then we bring those numbers together to build a strategy around you, not simply what the bank says you can borrow.

Buying a home should feel exciting, and it feels a lot more exciting when you know you're financially prepared and in control. If you are looking for more than just a borrowing capacity, book an appointment below.

https://calendly.com/australianpropertyhomeloans/home-loan-deep-dive

HSBC has just sold their Australian home loan portfolio to Blackstone.This means that if you are a mortgage holder with ...
15/08/2026

HSBC has just sold their Australian home loan portfolio to Blackstone.

This means that if you are a mortgage holder with HSBC, your mortgage will be managed by another lender from early 2027. There will be change.

I currently have one lender who is matching HSBC home loan pricing, if you are concerned about this transition.

If this is something on your mind, reach out - I do not expect this offer to last long.

https://calendly.com/australianpropertyhomeloans/refinance-repricing-information-session

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