M&G Home Loans Pty Ltd

M&G Home Loans Pty Ltd Loan Consultants Home Loans, Commercial and Private Funding . Australia Wide Services. ACL 395126 44 Years experience in Banking and Finance.

We are available to assist with ability to pre assess your application to save any negative results.

AI AND IMPACT OF LENDING IN AUSTRALIAWas advised a number of months back that AI was the way to go . It would help me in...
10/06/2026

AI AND IMPACT OF LENDING IN AUSTRALIA

Was advised a number of months back that AI was the way to go . It would help me in completing compliance and save time in completing paperwork .

THE NEWS
CBA has had major fraud problems and Westpac thru Rams has had dramas and a lot of this was before AI . Accountants and others were involved and it was and is very messy

AI is something I do not wish to use as yet .
My clients are mainly referred by other clients and I am running a marketing plan to Teachers , Nurses , Ambulance Persons and Firefighters plus their families in my Local Area

I mainly get my work from referrals by happy clients and have lived in Wyndham for some 40 years . Have met many people in my last job as Manager IOOF , in Station Place , Werribee

WHAT IS TO BE DONE IN THIS AI WORLD

I meet my clients and personally identify them but some lenders will also do this online with the Application

I check savings statements and collect financial information and as advised and make sure the client gets the best and cheapest loan deal that suits their needs

It seems that Brokers are being put in the spotlight as we do 70% of loans so I am prone to ask a lot of questions and information requested is usually used to back up and double check financials supplied and also to do the best for clients

HERE TO HELP AND HAVE MY OWN CREDIT LICENCE AND SELECT LENDERS WHO MOST SUIT NEEDS I SEE IN MY CLIENTS

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL 395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

GAS BILL DUE , HAVE IT ON FORTNIGHTLY PAYMENTS . CREDIT CARD COMPANIES CHASING YOU FOR LATE PAYMENT EVERY NOW AND AGAIN ...
10/06/2026

GAS BILL DUE , HAVE IT ON FORTNIGHTLY PAYMENTS . CREDIT CARD COMPANIES CHASING YOU FOR LATE PAYMENT EVERY NOW AND AGAIN . PUTTING OFF DINNER OUT WITH PARTNER

Have assisted a number of clients in restructuring repayments . Best not to leave these things too late in a Rising Interest Rate Climate or the only option is Non Bank Lenders and they are getting ready for a big year

WHY : Banks add a 3% margin to servicing of a loan when you apply to allow for times like current in economy . Non Bank Lenders on average add 2% margin . So when a Bank says no you can usually get a Non Bank loan and I commenced my business in that Non Bank industry and have a number of contacts

Now mainly use Bank Lenders usually smaller lenders with lower rates and good service to my clients

HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL 395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

OLDER CLIENTS , CREDIT PROBLEMS , TAX PROBLEMS OR JUST ANY PROBLEMS ? Older Lenders currently being given the shove by m...
09/06/2026

OLDER CLIENTS , CREDIT PROBLEMS , TAX PROBLEMS OR JUST ANY PROBLEMS ?

Older Lenders currently being given the shove by many lenders .

SAMPLE : Have a client 74 and in well established business . Was advised on Refinance and increase that 10 years is max
Term . Applicant single house massive and LVR under 31% . Downsizing and his business being worth app $2mill made no difference

Placed loan on 30 yr term with client clearing from business in 5 to 10 or sale of other property

Client in product 1.04% cheaper than previous and very happy

HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL 395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

FIRST HOME BUYER - HELP TO BUY Just helping 6th First Home Buyer A few options , Have a savings record , only need 2% o...
09/06/2026

FIRST HOME BUYER - HELP TO BUY

Just helping 6th First Home Buyer

A few options ,
Have a savings record , only need 2% of purchase plus minimal costs . Help to Buy deal might see you in a home and only pay on 68% of house price . No Stamp Duty and No Mortgage Insurance

HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

HOME LOANS : PRICES DROPPING I have recommended a few clients to be aggressive in offers on Home Purchase Had client who...
07/06/2026

HOME LOANS : PRICES DROPPING

I have recommended a few clients to be aggressive in offers on Home Purchase

Had client who thought that house would sell for $700k max and offered $650k and was successful .

Markets looking as Labor has forced investors from the market .

HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

GETTING A LOAN APPROVED IN RISING RATE MARKET Have been a Self Employed Broker since 1992 and prior worked at various B...
05/06/2026

GETTING A LOAN APPROVED IN RISING RATE MARKET

Have been a Self Employed Broker since 1992 and prior worked at various Banks including time Approving Home Loans

PROBLEMS IN GETTING AN APPROVAL NOW

Standard Lenders assess with a 3% rate loading above standard rate . Standard rate can change depending on Loan To Security percentage . Second Tier Lenders tend to add lower margin in assessing

Plus Most Lenders have a HEM which is a standard expenses average that clients need to be close to . Even if you have been a great saver and be good at budgeting .

Otherwise assessment gets more difficult as you need to explain why your expenses are below average

Note : Had clients in 50’s Who had no school age kids and I mentioned they travelled yearly overseas as husband was British

One of many questions from first @@@ was how would clients reduce expenditure in future ???? Reduce they will be travelling more which is their right .

Dumped that lender ( did not respond so loan was not declined ) submitted to another lender who did not ask stupid questions

The first lender is off my list

MY LENDERS : Are all low rate and considerate of clients various concerns and include Green lenders .

I am independent and have my own company and own Australian credit Licence and chose my lenders carefully

Have lenders considerate of older applicants and lenders who will consider clients with past credit problems . And lenders who make allowances for clients with Private Health cover and Private School fees and do not penalise clients for this as most lenders do

HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL 395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

TAX DEBT : APP 11% AND TAX OFFICE ARE TRANSFERRING COMPANY TAX DEBT INTO PERSONAL DIRECTORS NAMES Have a client with app...
05/06/2026

TAX DEBT : APP 11% AND TAX OFFICE ARE TRANSFERRING COMPANY TAX DEBT INTO PERSONAL DIRECTORS NAMES

Have a client with app $400k Tax debt due to family settlement after divorce .
Existing $300k Home Loan .
NOTE : TAX OFFICE WONT ALLOW DEDUCTION OF INTEREST EXPENSE ON TAX DEBT SO NO BENEFIT IN LEAVING IT TO DESTROY YOUR CREDIT RECORD .

REFINANCE: Rate lower and debt can be repaid over a longer term . I have lenders who will assist subject to servicing . If debt is small there are other options and I have assisted clients in repaying the tax debt

HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL 395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

INVESTMENT PURCHASES : NEW RULES PLEASE CHECK WITH YOUR ACCOUNTANT AS MY INFORMATION IS THRU DISCUSSIONS WITH LENDERS Th...
05/06/2026

INVESTMENT PURCHASES : NEW RULES

PLEASE CHECK WITH YOUR ACCOUNTANT AS MY INFORMATION IS THRU DISCUSSIONS WITH LENDERS

The govt has changed the rules and new purchases of ESTABLISHED PROPERTY is apparently NOT going to be treated as “Negative “ Geared .

“NEW INVESTMENT BUILDS” are advised as ok as long as no residency in them and Construction and they are expected to be in high demand . Construction of new buildings for Investment means waiting near a year with no income .

COMMERCIAL PROPERTY with long term tenants are another option . Negative gearing still applies . CAN BUY VACANT

YOUR CURRENT HOME : There was mention of existing home being turned into an Investment and your purchasing another Established Home as your residence . Existing home as Investment then can be negative geared

HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL 395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

90% LVR loan NO LMI ..DONT HAVE TO BE A DOCTORWill give comparison of LMI loan and No LMI loan . But if you don’t have ...
04/06/2026

90% LVR loan NO LMI ..DONT HAVE TO BE A DOCTOR

Will give comparison of LMI loan and No LMI loan . But if you don’t have the $20k to $30k LMI then the NO LMI loan may suit

HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL 395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

DO YOU HAVE A DEGREE Home loans for Degree Holders and their family members Special deal on Investment Loans assisted Mo...
04/06/2026

DO YOU HAVE A DEGREE

Home loans for Degree Holders and their family members

Special deal on Investment Loans assisted
Mother of a Degree Holder buy a better Investment Unit in Darwin NT

HELP TO BUY Loans as well 2% plus nominal expenses required . If own vacant land can be declined but if selling vacant land it can be used as your deposit

Can be complicated but :

I AM HERE TO HELP

CALL OR TEXT : Ian Boldiston 0417974876
M&G Home Loans Pty Ltd . ACL 395126

Call now about our new 2.59% interest rate! No ongoing fees and a free offset account. What are you waiting for?

Address

Level 5/278 Collins Street
Melbourne, VIC
3000

Telephone

+61417974876

Website

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