Mortgage Broker - Enver Ozduzenciler, Ozgroup Finance

Mortgage Broker - Enver Ozduzenciler, Ozgroup Finance Please note that all Advice is General in nature and you may need to seek professional legal advice for further information if needed.

🧑🏽‍💻 Director & Finance Broker at Ozgroup Finance

🏡 Home Loans, Investment Loans, Refinancing and SMSF Lending

⭐️ 120+ 5 Star Google Reviews

1️⃣0️⃣ Years of Banking & Finance Experience

📍Based in Melbourne & servicing Australia wide LinkedIn Profile: www.linkedin.com/in/enverozduzenciler

15/06/2026

Here’s what the numbers could look like if you purchased your first property in Keysborough for $880,000 using either the First Home Guarantee Scheme or a Security Guarantor.

Both options allow eligible borrowers to avoid paying Lenders Mortgage Insurance (LMI), which can save you tens of thousands of dollars.

The key difference? With a Security Guarantor, you don’t need to be a first home buyer to access similar benefits, and you may not need to contribute any cash deposit at all.

The First Home Guarantee Scheme is generally designed for eligible first home buyers who don’t have the option of using a guarantor and is available to Australian citizens and permanent residents who meet the scheme criteria.

Let’s compare the numbers and see which option could work best for you.

Ph: 0477745665
E: [email protected]

13/06/2026

They tell you to work hard now and enjoy life later.

But by the time you’re 50…

Food doesn’t taste the same.
Your energy isn’t what it used to be.
And tomorrow is never guaranteed.

Build wealth.
Invest in assets.
Plan for the future.

Just don’t forget to enjoy the journey while you’re healthy enough to live it.

12/06/2026

🚨 Commitments That Can Reduce Your Borrowing Capacity 🚨

Before applying for a home loan, be aware of these common borrowing power killers:

💳 Credit Cards
Every $1,000 in credit card limits can reduce your borrowing capacity by approximately $5,000.

🚗 Personal Loans
Every $100 per month in loan repayments can reduce your borrowing capacity by around $15,000.

👶 Dependent Children
Each dependent child can reduce borrowing capacity by approximately $50,000.

📉 Other Expenses That Lenders Consider
• Income Protection Insurance
• Private Health Insurance
• Private School Fees
• Buy Now Pay Later facilities
• Ongoing financial commitments

The less debt and commitments you have, the more you may be able to borrow.

Thinking of buying a home? Check your borrowing capacity before you start house hunting.

Figures are indicative only and vary between lenders and individual circumstances.

11/06/2026

How much can you borrow to buy a home? 🤔

A quick rule of thumb:

Take your annual income and multiply it by 5.5.

So if you earn $100,000 a year, you could potentially borrow around $550,000.

But here’s the catch 👇

This assumes you have:
✅ No dependants
✅ No personal loans or credit card debt
✅ Reasonable living expenses

Your actual borrowing power could be higher or lower depending on your situation.

Want to know your real borrowing capacity? Speak to a mortgage broker before you start house hunting.

11/06/2026

The biggest mistake I’ve seen in property are first home buyers sitting in their hands. Simply waiting for the best time to buy.

10/06/2026

Why do cars lose value while homes usually go up in value?

A car is designed to be used. Every kilometre driven, every year that passes, and every new model released reduces its value.

Property is different.

While the house itself gets older, the land underneath is limited. As population grows, demand increases and land becomes more valuable over time.

Think of it this way:

Cars wear out and land becomes scarcer

That’s why a $70,000 car could be worth half its value in 5 years, while a $700,000 property growing at 5% p.a. could be worth almost $900,000 over the same period.

The lesson? Not all assets are created equal.

10/06/2026

Brain dump and my genuine thoughts for first home buyers. Consumer sentiment is down, people are scared to invest, rates have increased and inflation has surged. Where there’s uncertainty there is opportunity.

Address

Dandenong Road
Monash, VIC
3168

Opening Hours

Monday 8:30am - 9pm
Tuesday 8:30am - 9pm
Wednesday 8:30am - 9pm
Thursday 8:30am - 9pm
Friday 8:30am - 9pm
Saturday 10am - 5pm
Sunday 10am - 3pm

Telephone

+61477745665

Website

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