Mortgages with Nikita

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🏡 Is your home loan still a good choice for you? 🏡⁣⁣Big differences in lender rates make now a good time to review your ...
09/09/2026

🏡 Is your home loan still a good choice for you? 🏡⁣
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Big differences in lender rates make now a good time to review your mortgage. ⁣
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First, check if your home loan interest rate is competitive. 💰⁣
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Does your loan charge ongoing fees? Most don’t. ⁣
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Are you using all the loan’s features? You could be paying extra for them.⁣
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And are you being punished for your loyalty? Lenders generally offer lower rates to new borrowers. 🤔⁣
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Here’s one option. 💡⁣
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Contact us to organise a home loan health check. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

🏠 Could your home be a (negatively geared) investment property? 🏠⁣⁣The new negative gearing rules that take effect from ...
07/09/2026

🏠 Could your home be a (negatively geared) investment property? 🏠⁣
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The new negative gearing rules that take effect from mid-2027 only apply to properties purchased after 12 May 2026. 📅⁣
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So your current home could potentially be eligible for negative gearing in the future as an investment property. 💡⁣
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It’s a strategy that calls for careful planning and a chat with your accountant and/or financial adviser. 🧾⁣
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Contact us to understand your financing options for both properties. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

⏳ How hard does the market usually bounce back after a downturn?⏳⁣⁣Waiting for property prices to hit a cyclical low cou...
02/09/2026

⏳ How hard does the market usually bounce back after a downturn?⏳⁣
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Waiting for property prices to hit a cyclical low could potentially work against home buyers. 🏡⁣
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Domain research shows prices have risen 32% on average after each of the eight past downturns. 📊⁣
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If the market dips now, buyers could potentially purchase a house at a good price. ⁣
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But if you wait too long, the market could pick up again and you could be purchasing when buyer competition is fierce. ⁣
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Being prepared is key. Speak to us today about pre-approval and get started on your property journey. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣⁣One-in-three Gen Xs expect that they'll still be paying ...
31/08/2026

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣
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One-in-three Gen Xs expect that they'll still be paying off a home loan in retirement, according to a Citro/AMP report.⁣
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But there are ways to potentially clear the slate sooner. 💡⁣
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Refinancing could see you save with a lower rate (just try not to extend the home loan term). ⁣
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An offset account can also put spare funds to work by reducing the interest charged on your home loan each month.⁣
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Meanwhile, making consistent extra repayments more often can help chip away at the loan balance. 📉⁣
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Call us for more tips to potentially be mortgage-free by the time you retire. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣⁣That's the latest survey data from Compare the Market.⁣⁣But bewa...
26/08/2026

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣
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That's the latest survey data from Compare the Market.⁣
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But beware: lenders may check that financial support is a gift, not a loan to be repaid. ⚠️⁣
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Otherwise it may reduce your borrowing capacity. 📉⁣
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And banks still want to be sure you can comfortably manage loan repayments. 🏡⁣
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Speak to us first to find out how mum and dad can potentially lend a helping hand - without leading to hiccups during your loan application. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

💳 The BNPL trap: how it could impact your home loan application 💳⁣⁣Buy Now Pay Later (BNPL) may be quick and convenient,...
24/08/2026

💳 The BNPL trap: how it could impact your home loan application 💳⁣
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Buy Now Pay Later (BNPL) may be quick and convenient, but it could affect your home loan application and/or credit rating. 🏡⁣
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That's because every time you apply for BNPL, it may trigger a credit check. 🔍⁣
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And too many credit checks can affect your credit score and be a red flag for lenders. 🚩⁣
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Late or missed BNPL payments can also be reported, which could reduce your credit score even further. ⁣
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Talk to us to know how BNPL could impact your loan application. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

🏡 Property listings climb higher, FOMO dials down 🏡⁣⁣Things are looking up for homebuyers, reports Domain. 📈⁣⁣Not so lon...
19/08/2026

🏡 Property listings climb higher, FOMO dials down 🏡⁣
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Things are looking up for homebuyers, reports Domain. 📈⁣
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Not so long ago FOMO (fear of missing out) was a driving force in the housing market. 😬⁣
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Today, new listings are up - while property prices in many parts of the country have plateaued (or even dipped).⁣
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That means buyers could have more negotiating power, and seller discounts are on the rise. ⁣
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It’s a trifecta that could see the stars align for your homebuying plans. ⭐⁣
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Contact us to see how you could benefit. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

📉 Lenders cut rates as competition heats up 📉⁣⁣There’s a “rate war brewing”, according to Canstar. ⁣⁣A rising tide of le...
17/08/2026

📉 Lenders cut rates as competition heats up 📉⁣
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There’s a “rate war brewing”, according to Canstar. ⁣
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A rising tide of lenders have cut their variable loan and short term fixed rates recently. ⁣
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The catch? ⚠️⁣
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Lower rates are usually reserved for new customers. 💡⁣
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The solution? 🤝⁣
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Refinancing could see you become a new customer, and benefit from a more competitive loan rate. ⁣
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Contact us to find out how. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

🏡 Could your tax refund help wipe years off your home loan? 🏡⁣⁣The average tax-agent prepared tax refund is $3,550, acco...
12/08/2026

🏡 Could your tax refund help wipe years off your home loan? 🏡⁣
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The average tax-agent prepared tax refund is $3,550, according to H&R Block. ⁣
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Those extra funds could potentially help you pay off your mortgage sooner.⁣
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That’s because 100% of additional lump sum payments reduce your home loan principal. 📉⁣
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In turn, that lowers the total amount of interest you're charged each month thereafter.⁣
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So more of each of your following monthly repayments work harder to pay down the loan balance. 📊⁣
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Call us to know how to put your tax refund to work lowering your home loan. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

💪 Two-thirds of home loan borrowers focus on paying down debt 💪⁣⁣A survey by Agile Market Intelligence shows 65% of home...
10/08/2026

💪 Two-thirds of home loan borrowers focus on paying down debt 💪⁣
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A survey by Agile Market Intelligence shows 65% of home loan borrowers are currently focusing on paying down their mortgage sooner. 🙌⁣
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Even small extra repayments can make a considerable difference over the long run when it comes to paying less interest and reducing your home loan term. ⁣
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Talk to us for strategies that could potentially help you clear the home loan slate sooner. 👇⁣
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To find out more, DM or contact Nikita on:

☎️ – 0477 899 442
💻 – [email protected]

Address

62 Ridgway
Mirboo North, VIC
3871

Telephone

+61477899442

Website

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