Lachie Beech - Mortgage Magician

Lachie Beech - Mortgage Magician My passion is helping make your dreams come true by making the home loan process simple and stress-free. If you're after a loan I'll help make it appear!

If you want to pay off your debts faster, that's where I support you to make them disappear!

Ever wondered how one bank can say "No"… while another says "How much do you need?" 😅Welcome to Lender Policy.Every lend...
10/09/2026

Ever wondered how one bank can say "No"… while another says "How much do you need?" 😅

Welcome to Lender Policy.

Every lender has its own rules around what they'll accept and how they'll assess things like:

💰 Income
⏰ Overtime, bonuses & allowances
👨‍💼 Self-employed income
💳 Existing debts
🏡 Property types
📊 Serviceability
👨‍👩‍👧 Dependants
💵 Deposit & genuine savings
📈 DTI and LVR

One lender might look at your situation and see a problem.

Another might have a policy specifically designed to accommodate it. 👀

That's why getting a home loan isn't always about finding the bank with the lowest advertised rate.

First, you need a lender whose policy actually fits you.

A big part of our job as brokers is knowing which lenders want what — so rather than trying to squeeze your circumstances into the wrong lender's box, we find the right box. 📦👌

Same numbers. Different rulebook. Different result.

And with a lot of lenders to choose from… knowing where to look can make all the difference. 😉

Tuesday Tips: This is something we hear is often forgotten about!Property investment strategists and accountants love ta...
08/09/2026

Tuesday Tips: This is something we hear is often forgotten about!

Property investment strategists and accountants love talking about depreciation schedules… and for once, they’re not just trying to sound smart. 😅

A depreciation schedule is essentially a report, usually prepared by a qualified quantity surveyor, that outlines parts of an investment property that may be claimable over time.

Why does that matter?

Because it can help your accountant work out deductions that may otherwise be missed.

That may mean:

✅ Better visibility around potential tax deductions
✅ Improved after-tax cash flow
✅ A clearer understanding of the property’s claimable components
✅ More confidence that you’re not leaving potential benefits on the table

This can be especially relevant for newer homes, recently renovated properties, or investment properties with updated fixtures and fittings.

It’s one of those behind-the-scenes tools that may not be exciting… but could make a meaningful difference over time.

So if you own an investment property and have never looked into a depreciation schedule, it may be worth asking the question.

Because “I didn’t know I could claim that” is not usually the goal.

General information only — not tax advice. Always speak with your accountant or qualified tax adviser about your own circumstances.

Banks love loyal customers…Unfortunately, loyal customers aren't really looked after by the banks.Over time, your intere...
03/09/2026

Banks love loyal customers…
Unfortunately, loyal customers aren't really looked after by the banks.
Over time, your interest rate can quietly creep up while newer customers are offered sharper deals.
That’s why it’s worth checking in on your loan every now and then.
A quick loan health assessment can tell you:
✔️ if your rate is still competitive
✔️ if your loan structure still suits you
✔️ or if there’s a better option available
✔️ we will compare other current offers
Sometimes a small tweak can save thousands.
If you’re curious whether your loan is still doing its job, I’m happy to take a look. 💬🏡
See less

Everyone wants the secret mortgage tip that will magically shift the dial. 👀The clever loophole.The lender nobody knows ...
15/07/2026

Everyone wants the secret mortgage tip that will magically shift the dial. 👀

The clever loophole.
The lender nobody knows about.
The quick fix that suddenly adds $200,000 to their borrowing capacity or cuts 10 years off their mortgage.

And quite often, there may be a strategy or lender policy that makes a meaningful difference.

But most of the time, the best advice is far less exciting:

Be proactive.

Have your situation reviewed before you urgently need finance.

Find out what you can borrow.
Understand how your debts are affecting you.
Check whether your current loan is still competitive.
Learn what documents or savings you may need to turn that dial.
Identify the small changes that could improve your position over time.

You may discover that you are ready now.

You may also discover that you need six or twelve months to prepare—and that is still a valuable outcome.

Because once you know what needs to change, you can actually start changing it.

Too often, people wait for rates to fall, property prices to change, their income to increase or the “perfect time” to arrive.

Meanwhile, nothing moves.

The secret isn’t always finding a shortcut.

Sometimes, it’s simply getting advice, making a plan and taking the first step.

When you stop and wait, nothing changes.

📉 Wait... didn't rates just go UP?! 🤔They did. A few times this year.But here's where things get interesting... a few le...
02/07/2026

📉 Wait... didn't rates just go UP?! 🤔

They did. A few times this year.

But here's where things get interesting... a few lenders have actually started trimming some of their fixed rates and investment loan rates. 👀

Confused? You're not alone.

The official cash rate and home loan rates don't always move in perfect sync. Banks also price loans based on funding costs, competition and, quite simply, how badly they want certain types of business.

Translation? 🚗💨
One bank might have the brakes on... while another is quietly hitting the accelerator.

So if you've assumed "everyone's rates are going up," it might be worth checking again.

💡 Whether you're investing, refinancing, or just wondering if your current loan is still competitive, it never hurts to know what's out there.

No pressure. No hard sell. Just a conversation to see if there's an opportunity you didn't know existed.

(And yes... I actually enjoy talking about this stuff. We're weird like that. 😂)

ATO Tax Debt hurting your cash flow?
04/06/2026

ATO Tax Debt hurting your cash flow?

If you've been on the fence about what to do ..... the path forward can start with a couple of simple questions.... Reac...
19/05/2026

If you've been on the fence about what to do ..... the path forward can start with a couple of simple questions....
Reach out for a no obligation chat if you're looking to purchase, refinance, consolidate debt or any other property mortgage related matters.

Your home loan might be older than your streaming subscriptions… and probably costing you more too. 👀A quick, no-obligat...
07/05/2026

Your home loan might be older than your streaming subscriptions… and probably costing you more too. 👀

A quick, no-obligation Home Loan Health Check could uncover a sharper rate, better features, or repayments that actually suit your current lifestyle.

Because loyalty is great in relationships… not always with banks. 😅

Offset vs High-Interest Savings 💰🏡Which One Actually Wins?You’ve got cash sitting there…But where does it work harder?Le...
27/04/2026

Offset vs High-Interest Savings 💰🏡

Which One Actually Wins?

You’ve got cash sitting there…
But where does it work harder?

Let’s say your home loan rate is 6%
And your high-interest savings account is 4.9%

👀 Here’s the twist:

💙 Offset Account
Every dollar in your offset reduces your loan interest at 6%.
That’s a tax-free saving.
No conditions. No caps. No “intro rate ending soon”.

💸 High-Interest Savings
You earn 4.9%…
Then pay tax on the interest.
And the rate can change (often).

👉 So in most cases, an offset quietly does the better job.

Why people love offsets!!!

✔️ Your money stays accessible
✔️ You reduce interest daily
✔️ More flexibility if you plan to invest later
✔️ Works harder without you doing anything extra

Savings accounts still have a place — but if you’ve got a mortgage, an offset can be a powerful tool when structured properly.

Want to know which setup suits your situation best?
Let’s chat. 💬

Say goodbye to digging through bank account, credit card and most loan statements 👋📄We’re using market-leading tech to m...
09/04/2026

Say goodbye to digging through bank account, credit card and most loan statements 👋📄

We’re using market-leading tech to make your home loan journey faster, safer and a whole lot easier.

With the use of Open Banking:
✔️ Secure data sharing (no emailing sensitive docs)
✔️ Faster approvals with real-time insights
✔️ Less paperwork, more clarity
✔️ Insights into your monthly cash flow

It’s all about giving you a smoother experience — without compromising on security.

Less admin. More progress. 🚀

Address

Glen Waverley
Melbourne, VIC
3150

Opening Hours

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

Telephone

+61419764825

Website

Alerts

Be the first to know and let us send you an email when Lachie Beech - Mortgage Magician posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Featured

Share

Category