Bec Timms - Mortgage Broker

Bec Timms - Mortgage Broker 🏆 Multi award winning broker
✨ Blank Financial (formerly Realise Home Loans)
📍 Mornington Peninsula & Bayside based
👇🏼 Reach out today
📱 0411 108 733 or DM

01/09/2026

The numbers have changed.

So maybe the way we talk about ‘getting ahead’ needs to change too.

Because telling people to work harder, save more and spend less ignores a pretty important part of the conversation: Life costs more now.

And I think we need a little less judgement about where people should be financially, and a lot more support around what they can actually do from where they are.

Different times need different strategies.
We got this 💪🏼

Your wage has doubled since 2000. Home prices have gone up more than five times over in the same time frame.Petrol, coff...
29/08/2026

Your wage has doubled since 2000. Home prices have gone up more than five times over in the same time frame.

Petrol, coffee and bread all roughly doubled too. Only housing (and a schooner of beer) didn't get the memo, with a place that cost $190,000 back then is closer to $940,000 now.

So no, saving harder isn't the answer. The buyers getting in today aren't the ones with the biggest deposit. They worked out that saving alone stopped being enough, and built a strategy around the right lender, the right structure, the schemes most people never hear about.

The rules changed. The way in did too.

DM us to build a strategy made for this market.

Your bank has a better rate than the one you're on. It's just holding it for someone else.The ACCC found existing borrow...
26/08/2026

Your bank has a better rate than the one you're on. It's just holding it for someone else.

The ACCC found existing borrowers pay progressively more than new customers at the same lender, starting at 0.29% and reaching 1.04% past ten years. Nearly 90% of Big Four variable loans were already discounted off the advertised rate, which tells you the headline figure was never the real one.

The opportunity has been sitting there the entire time. It goes to whoever raises it, and most people never do.

DM us and we'll tell you what you should be paying.

25/08/2026

There’s a deposit percentage that often gets overlooked 👀

It sits somewhere between the two numbers everyone usually talks about… and it can make more of a difference than you might expect.

Especially when LMI is involved.

Sometimes, that extra bit of deposit can really change the numbers. And sometimes, you may already have enough to start looking at your options.

If you’re trying to work out how much deposit you actually need, send me a message and we can have a look at the numbers.

We named ourselves after the blanks most brokers never think to fill.All the bits that never make it onto an application...
24/08/2026

We named ourselves after the blanks most brokers never think to fill.

All the bits that never make it onto an application. How you're paid rather than what you earn. What debt you're carrying and which lender won't hold it against you. The number you were quoted, and whether anyone bothered checking it was the best one available.

That's where we do our best work, and it's why handing someone a stack of paperwork and calling it service has never sat right with us.

Most brokers hand you a form. We're more interested in what's missing from it.

DM us to see what’s really possible with your position.

23/08/2026

I don’t know who else needs to hear this, but being strong and being supported aren’t opposites.

Having support doesn’t make you less capable. It gives you more capacity to show up for others.

Receive the support. It’s good for you. 🫶🏻

Blank Financial

Everyone knows about the 20% deposit. What nobody tells you is that falling short doesn't cost a fixed amount, and where...
23/08/2026

Everyone knows about the 20% deposit. What nobody tells you is that falling short doesn't cost a fixed amount, and where you land makes a real difference.

Lenders Mortgage Insurance (LMI) is priced off your LVR, which is your loan measured against the value of the property. Say you're buying at $980,000. Ten per cent down puts you at 90%, right up the sharp end where lenders price hardest. But if you push your deposit to 12% and LVR to 88%, you’re seen as a safer investment by the banks — reducing your premium and slashing more than the extra 2% you put in off your loan.

That's the opportunity, and it isn't about saving harder for another two years. It's knowing where your lender's pricing shifts and making sure you land on the right side of it.

DM us, and we'll work out what deposit works best for you.

Investors leaving Melbourne gets reported like a market failing. It's closer to years of policy doing exactly what it se...
19/08/2026

Investors leaving Melbourne gets reported like a market failing. It's closer to years of policy doing exactly what it set out to do.

Land tax thresholds slashed, vacancy taxes widened, more than 130 tenancy reforms. Different measures pulling in one direction, and thousands of landlords have taken the hint. The homes they're selling are largely going to people who'll live in them, and with the 5% Deposit Scheme dropping the entry point at the same time, Victoria now leads the nation in first home buyer activity.

For first home buyers, that's the opportunity, and it's a rare one. Every investor stepping back is one fewer bidder at the open, in precisely the brackets where the competition used to be fiercest — but it won't hold forever. Victorian investor lending has already hit a series high, with the sharpest interest in the sub-$1 million bracket (aka, exactly the same stock first home buyers are chasing)

DM us to find out what this market means for your move.

18/08/2026

Turns out one of the nicest things you can ask a small business owner is…

‘How can we help you?’ 🥹

My answer? Introductions.

One of the really exciting parts of this recent merger is that I now have more support around me and the capacity to help more people.

So if someone comes to mind who I might be able to help, whether they’re buying, planning their next move or just haven’t looked at their home loan in a while, pass my name on.

Good people introducing me to good people means more to me than you probably realise. 🤍

We're seeing buyers walk in more researched than ever, and somehow less certain about what to do with it all.AI can hand...
17/08/2026

We're seeing buyers walk in more researched than ever, and somehow less certain about what to do with it all.

AI can hand you every figure, forecast and comparison in seconds. What it can't do is tell you which of them actually apply to your position, or what to ignore. Endless information tends to widen the questions rather than settle them. The opportunity now isn't finding more data. It's having someone translate it into a decision you can back yourself on.

DM us when you're ready to turn everything you've read into a move forward.

Address

Mornington, VIC

Telephone

+61411108733

Website

Alerts

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

Shortcuts

Share

Category