Selectabroker - Will Gadsden

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Selectabroker - Will Gadsden

Helping you secure the right home loans, car loans, personal loans & refinancing options. Your trusted guide to smarter borrowing.

Reach out for personalised advice! 🏡 🚗

27/08/2026

New home loan applications are down across the big banks right now. Fewer new customers walking in the door means one thing — they’re having to fight harder for new business.

That’s where cashback offers, sharper rates, and faster turnaround times start showing up. Your bank won’t ring you to say a better deal’s on the table. But I see it every day across 30+ lenders.

If you haven’t had your loan looked at in the last year or two, now’s a genuinely good time to check where you stand.

DM me or give me a call — free service, 7 days a week. 📲

26/08/2026

When life gets hard and your budget needs some breathing room, debt consolidation might be the answer. My client was struggling under the weight of repayments spread across multiple debts — home loan, car loan, two credit cards, personal loan. Five dates, five rates, and cash flow that kept getting chewed up before it even had a chance.

We refinanced and rolled the lot into the home loan. One rate, one date — and because that rate’s so much lower than the cards, the same monthly effort now frees up cash flow instead of vanishing into interest.

The real win is that breathing room now, plus the option to keep paying what they were paying — the extra then smashes the home loan balance down instead.

If your repayments are scattered across a few lenders and things feel tight, let’s have a chat. Free, no obligation.

14/08/2026

Most people are surprised when they find out what’s actually dragging their number down. A $10k credit card limit you never use still gets assessed like you’ve maxed it. Afterpay shows up. HECS shows up. Overtime and casual income usually get shaded to 80%, so a chunk of what you actually earn doesn’t count.

And lenders read your last 3–6 months of statements. All of it.

The good news is every lender treats this stuff differently. One might knock you back on the same file another approves — same income, same debts, different policy. That’s the whole reason it’s worth having someone check across the panel rather than walking into one bank and hoping.

If you’ve been told no, or you’re just not sure where you stand, send me a message. I’ll go through it with you and tell you exactly what’s holding your number back — and what’s worth fixing first.

13/08/2026

Nobody pays off a home loan faster by earning more. They do it by changing how the loan is set up.

$600,000 at 6.2% over 30 years = $723,000 in interest.

Four changes:
→ Fortnightly repayments: 5 yrs 7 mths off
→ Extra $50 a fortnight: 2 yrs off
→ $2,000 lump sum a year: 3 yrs 3 mths off
→ Sharper rate, same repayment: 11 mths off

Do all four and it’s gone in under 21 years. $265,000 saved.

Want to know which one’s worth doing on your loan? Give me a call. Free, 7 days a week.

0412 851 066

Illustrative only. Actual savings depend on your rate, balance and lender. Refinance figures before switching costs. General information only. Credit Representative under Connective’s Australian Credit Licence.

caloundra noosa buderim payoffyourmortgage firsthomebuyer

11/08/2026

Three questions. If you can’t answer all three, your home loan needs a look at.

Most people set their loan up once and never touch it again.

That’s the bit that costs people. Not a bad decision — just no one checking.

I compare 30+ lenders and the health check is free. Takes about 15 minutes and you’ll know exactly where you stand.

Send me a message and let’s get started!

16/07/2026

Be honest — when’s the last time you actually checked your car loan rate? 🚗

Most of us do our homework on the price of the car... then just sign whatever finance is put in front of us and never think about it again.

Swipe through 5 signs you might be paying more than you need to →

If any of these sound familiar, flick me a DM (“CAR”) and I’ll take a look at what you’re on.

Based on the Sunshine Coast, working with clients everywhere.

15/07/2026

Guarantor loans, explained. 🏡

Thinking of asking your parents for a hand getting into the market? Here’s the honest version — not the brochure version.

They’re not handing over cash. They’re using the equity in their own home as extra security, so you can buy with little or no deposit and skip LMI.

The catch: if you fall behind on repayments, they’re legally on the hook for their portion. It’s a real conversation to have with them before you have it with the bank.

The upside — most guarantor loans have a release clause, so once you’ve built enough equity, they come off the loan. It’s not usually forever.

Thinking about it for your own situation? Let’s chat — free, no pressure. 📲

13/07/2026

LMI is not a dirty word. When it’s used in the right way. 🏡

Lenders Mortgage Insurance gets talked about like it’s something to avoid — but it’s not the enemy people make it out to be.

LMI protects the lender, not you. You’re paying for it, but it covers the bank if you default.

But here’s why it’s not a dirty word. It’s the thing that lets you buy sooner instead of waiting years to save a bigger deposit.

Because waiting 4 years to save a 20% deposit often costs you more than the LMI itself. Markets move. Rents keep going up. Every year you wait, the goalposts shift.

For a lot of buyers, paying LMI and buying now is the smarter play than waiting until you hit that magic 20%.

It depends on your situation — that’s where I come in.

DM me the word LMI and I’ll send you the free cheat sheet on how it works and when it makes sense.

06/07/2026

“You know you’ve found the right broker when you start looking forward to the phone calls.

We were referred to Will, and after the first conversation, we could see exactly why.
Buying a home comes with plenty of moving parts, but Will has the ability to make the financial side feel calm, clear and under control. He was always one step ahead, kept us informed before we even had to ask, and explained everything in a way that actually made sense.

The hundreds of questions we threw at him were handled one at a time, with a steady, systematic approach that gave us real confidence throughout the entire process.

The unexpected bonus was his ongoing references to The Office. Finance isn’t supposed to be entertaining, but somehow he pulls it off.

We walked away with a home, the mortgage provider and deal we wanted, and a fantastic broker we’ll continue to work with and happily recommend to anyone.”

— Riley & Stella 🏡

Congrats again to these two on the new home — reviews like this are exactly why I love what I do. If you’re buying, building, or refinancing, I’d love to help. Free service, 7 days a week

30/06/2026

Jo owned her home outright. And had no idea what to do with it. 🏠

The equity was just sitting there. Jo didn't know she could use it.

Here's what we did:
- Valued the property
- Assessed how much equity was available to access
- Used it as the deposit and costs for investment property number two

Jo didn't need to save up another deposit. She already had one — it was locked up in the walls of her house.
Swipe through to see exactly how we did it.

If you've got a paid-down loan and you're curious what you're sitting on, DM me EQUITY. Free, no commitment.

Equity access subject to current lender valuation, serviceability assessment, and full application. Individual outcomes vary. Not personal financial advice.

Address

Melbourne, VIC
3000

Website

https://willgadsden-selectabroker-enquiry.netlify.app/

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