Bower & Co.

Bower & Co. Strategic mortgage advice for high-income professionals
We simplify the complex — so you can make confident decisions
Upgrade • Invest • Refinance Bower & Co.

provide strategic mortgage advice for busy, high-income professionals. We work with clients who are upgrading, investing or refinancing - often with complex income, multiple properties or evolving financial goals. Our role is simple: to simplify the complex and guide you through the process so you can make confident, well-structured decisions. We focus on:
• Lending strategy - not just rates
• Str

ucturing loans for long-term flexibility
• Managing the process from start to finish

We also assist with more complex lending scenarios including SMSF lending, commercial finance and structured lending solutions where appropriate. Based in Melbourne & the Gold Coast, we work with clients Australia-wide via Zoom.

Proud to continue our sponsorship of Tallebudgera Netball Club in 2026! 💜It's extra special this year now that both of o...
31/03/2026

Proud to continue our sponsorship of Tallebudgera Netball Club in 2026! 💜

It's extra special this year now that both of our girls are involved.

Very grateful to be part of such a great club.

Thanks so much Matt - your review is greatly appreciated. We love helping clients with their purchases and we're used to...
31/03/2026

Thanks so much Matt - your review is greatly appreciated. We love helping clients with their purchases and we're used to curveballs. We face them from banks most days :)

Do all lenders assess income the same way?Not even close.Often it’s not a “no” — it’s just the wrong lender.The right st...
25/03/2026

Do all lenders assess income the same way?

Not even close.

Often it’s not a “no” — it’s just the wrong lender.

The right structure can make a significant difference to your borrowing power.

Always worth a second opinion.

🏘️ Why it could be time to consider buying a rental property 🏘️⁣⁣Investors have been buying property at record rates, ac...
04/02/2026

🏘️ Why it could be time to consider buying a rental property 🏘️⁣
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Investors have been buying property at record rates, according to the ABS. 📈⁣
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Rents are up, vacancies are down, and interest rates on investment home loans are at their lowest since late 2023. ⁣
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But high investment lending has attracted the attention of the banking watchdog APRA. 👀⁣
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In the past, APRA has capped lending to investors. ⁣
⁣
Could it happen again? 🧐⁣
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Some commentators think so, which could make it worth bringing forward your investment property buying plans.⁣
⁣
Get in touch and we can explain your borrowing power, and the lending options that help you become a property investor. 👇 ⁣
⁣
To find out more, DM us or contact Bower & Co. on:

☎️ – 0417 109 585
💻 – [email protected]

The Reserve Bank of Australia has increased the cash rate by 0.25%, taking it to 3.85% - the first rate increase in more...
03/02/2026

The Reserve Bank of Australia has increased the cash rate by 0.25%, taking it to 3.85% - the first rate increase in more than two years.

In it's statement, the RBA pointed to:

1. Inflation rising above the 2–3% target range, and

2. Evidence that price pressures are likely to remain elevated for some time, supported by stronger than expected demand and a resilient labour market.

The Board’s decision reflects a view that slightly tighter policy is needed to help bring inflation back toward target over time.

If you’ve got a variable rate home loan, this means higher repayments ahead.

What matters most right now isn’t the headline, it’s how your loan is structured and whether it’s still working as hard as it should for you.

Are you on a competitive rate?
Does your loan still suit your goals?
Are there smarter options available now?

If you have any questions or would like help understanding what this means for you, we’re always happy to talk it through.

😬 Rate cuts in 2026 no longer looking that promising 😬⁣⁣The Reserve Bank of Australia (RBA) has hosed down hopes of rate...
02/02/2026

😬 Rate cuts in 2026 no longer looking that promising 😬⁣
⁣
The Reserve Bank of Australia (RBA) has hosed down hopes of rate cuts this year ⁣
⁣
It’s all about inflation sitting above the RBA’s target range of 2-3%. 📊⁣
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While official rate movements are uncertain, some lenders have adjusted their variable home loan rates, according to Finder and Mozo.⁣
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And if you haven't refinanced in a while, you could potentially be eligible for a lower rate with another lender.⁣
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If you'd like to find out if you could potentially create your own rate cut, get in touch today. 👇⁣
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To find out more, DM us or contact Bower & Co. on:

☎️ – 0417 109 585
💻 – [email protected]

🧐 Will property prices keep rising in 2026? 🧐⁣⁣9-in-10 Australians expect prices to keep climbing higher this year, acco...
26/01/2026

🧐 Will property prices keep rising in 2026? 🧐⁣
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9-in-10 Australians expect prices to keep climbing higher this year, according to API Magazine. ⁣
⁣
Possible future price rises could make it worth bringing forward your buying plans. ⁣
⁣
Cotality says rate cuts in 2025 have boosted the average family's borrowing power by $51,000. ⁣
⁣
But those borrowing power gains could soon be eroded by higher home prices. ⚠️⁣
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For example, if property prices increased by 5% over the next year, that's an extra $50,000 on a $1 million home.⁣
⁣
If you want to find out if you're home loan-ready right now, get in touch and we'll help you work out your borrowing power. 👇⁣
⁣
To find out more, DM us or contact Bower & Co. on:

☎️ – 0417 109 585
💻 – [email protected]

📈 Investment home loans hit record high 📈⁣⁣Property investors have a lot to smile about right now. 😄⁣⁣Rising values, a t...
21/01/2026

📈 Investment home loans hit record high 📈⁣
⁣
Property investors have a lot to smile about right now. 😄⁣
⁣
Rising values, a tight rental market, and lower borrowing costs are making property more attractive. ⁣
⁣
According to ABS figures, new investment home loans increased by 13.6% in the September quarter, with 57,624 loans written, the highest quarterly result since early 2022. 📊⁣
⁣
Keen to get into property investing? Talk to us to find out if you're finance ready. 👇⁣
⁣
To find out more, DM us or contact Bower & Co. on:

☎️ – 0417 109 585
💻 – [email protected]

🏡 Think you need to be older to own a rental property? Think again. 🏡⁣⁣A new report from PropTrack shows just under one ...
14/01/2026

🏡 Think you need to be older to own a rental property? Think again. 🏡⁣
⁣
A new report from PropTrack shows just under one in five households aged 45-54 own a rental property. 📈⁣
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But 30-somethings aren’t far behind, with around 17% of households aged 35-44 investing in property. 💪⁣
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The big surprise? More than one-in-ten 25-34-year-olds already own an investment property. ⁣
⁣
It goes to show age doesn’t have to be a barrier to building wealth through property. ⁣
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Talk to us about the investment home loan that matches your needs. 👇⁣
To find out more, DM us or contact Bower & Co. on:

☎️ – 0417 109 585
💻 – [email protected]

🚨 Would you recognise a property scam? 🚨 ⁣⁣Buying a home usually involves big sums of money, tight timeframes, and lots ...
12/01/2026

🚨 Would you recognise a property scam? 🚨 ⁣
⁣
Buying a home usually involves big sums of money, tight timeframes, and lots of email contacts - exactly the conditions cybercrooks love 😬.⁣
⁣
Unfortunately, property settlement scams are on the rise. 📈⁣
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Hackers can pose as your solicitor or selling agent and trick buyers into sending payments - like a home deposit - to a fake bank account.⁣
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But there are red flags to watch for:⁣
⁣
🚩 Last-minute changes to bank account details⁣
🚩 Slightly altered or suspicious-looking email addresses⁣
⁣
Always double-check payment details by phoning your agent or legal representative directly before transferring any money. 👍⁣
⁣
Call us anytime for more home-buying tips and ways to stay safe online. 👇⁣
⁣
To find out more, DM us or contact Bower & Co. on:

☎️ – 0417 109 585
💻 – [email protected]

🏡 How much home equity can you really use? 🏡⁣⁣Home equity is the difference between your home’s value and your mortgage....
07/01/2026

🏡 How much home equity can you really use? 🏡⁣
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Home equity is the difference between your home’s value and your mortgage. ⁣
⁣
Equity can be used to fund an investment property or achieve other investment or lifestyle goals. 🎯⁣
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But not all equity is ‘usable’. ⁣
⁣
Banks are generally comfortable with lending up to 80% of your home’s value, minus the balance of your loan. 🏦⁣
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For example, let's say your home is worth $750,000 and your loan is $400,000.⁣
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80% of your home’s value would be $600,000. ⁣
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Subtract your loan of $400,000, and you have usable equity of $200,000. 💵⁣
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Call us to find out your usable equity and start the ball rolling on your next life goal. 👇⁣
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To find out more, DM us or contact Bower & Co. on:

☎️ – 0417 109 585
💻 – [email protected]

Address

Level 2, 161 Collins Street
Melbourne, VIC
3000

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+611300001801

Website

http://calendly.com/karlbower/conversation-with-karl

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