Tracey Hammond - Sydney Mortgage Broker

Tracey Hammond - Sydney Mortgage Broker Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Tracey Hammond - Sydney Mortgage Broker, Mortgage brokers, 797 Military Road, Mosman.

25/08/2026

Offset account or redraw? They can both help reduce the interest you pay, but they work very differently.

For me, I generally prefer an offset, particularly when a property could become an investment in the future.

I learnt this one the hard way with my first property.

If you’re reviewing your home loan structure and want to understand what might suit your circumstances, get in touch.

Not sure whether to go straight to your bank or speak to a mortgage broker?If you’re a first home buyer, the difference ...
19/08/2026

Not sure whether to go straight to your bank or speak to a mortgage broker?

If you’re a first home buyer, the difference can matter more than you think.

A bank can only offer its own products and policies. A mortgage broker can compare multiple lenders, look at different borrowing options, and help you find a path that suits your situation.

That can mean more choice, more flexibility, and better options for your first home journey. It could mean the difference between buying now or in many years.

If you’re thinking about buying, you do not need to have it all figured out yet. Start with a conversation. DM me today and I'll be happy to help.

06/08/2026

Here’s a property I found this afternoon. I ran the numbers to see what it’d take for a first home buyer couple to actually buy it.

Couple, $87k each ($174k household), buying in Mosman.
Purchase price: $895,000
Stamp duty (prorated, over $800k cap): $18,613
Total to get to the table (5% deposit + stamp duty + costs): ~$66,500
Loan: $850,250 @ ~6.25%, 30yr
Est. repayment: ~$5,235/mo
LMI: $0 (government scheme)
No 20% deposit required. And this could be all or partly gifted from parents.

Want your own numbers run? Pop me a message.

Disclosure: Educational content only. Not personal financial advice. Consult a qualified professional for guidance specific to your circumstances.

04/08/2026

There’s no single “best” month to buy. The right time is whatever suits YOUR circumstances. 🏡

Winter, spring, summer or autumn each season has its own pros and cons in the market. But honestly? The bigger factor is where you’re at: your savings, your income, your goals.

Here’s the truth: most people never feel 100% ready. There’s always a reason to wait.

That’s where I come in. Book an appointment and let’s map out a plan, whether you’re ready to buy now, or you’re working towards it over the next 6-12 months. Either way, you’ll walk away knowing exactly where you stand and what your next step is. 📲

Link in bio to book, or send me a DM to get started 👇

30/07/2026

RBA holding rates on August 11? The market thinks so but it wasn’t always this confident. Just 5 days ago the odds were basically a coin flip (57%). Now the ASX Rate Tracker has it at 97%.

Why the swing? Inflation just came in lower than expected (4% → 3.8%), and Westpac’s Chief Economist Luci Ellis says she’s no longer expecting any more hikes this year.

If you’ve got a mortgage and haven’t checked your rate in a while, now’s a good time to ask, lenders are getting competitive to keep your business. 📩

Market pricing reflects expectations, not a guarantee of the RBA’s decision.

A rule change could mean less competition for first home buyers 👀From 10 August, SMSFs can no longer borrow to buy resid...
29/07/2026

A rule change could mean less competition for first home buyers 👀

From 10 August, SMSFs can no longer borrow to buy residential property. That's one category of investor stepping back from the market.

Less competition doesn't fix affordability overnight, but it's still a shift worth knowing about.

If you've been waiting for a better moment to get in, this might be it.

Want to know where you'd actually stand right now? DM me FIRST and let's chat.

The #1 thing that nearly got my client's loan declined? 👀Not income. Not deposit. Gambling on their bank statements.Swi...
23/07/2026

The #1 thing that nearly got my client's loan declined? 👀

Not income. Not deposit. Gambling on their bank statements.

Swipe to see what happened — and what I tell every client before they apply 👉

DM me if you're planning to apply for a home loan soon. Let's get your accounts loan-ready first.



Disclosure: Educational content only. Not personal financial advice. Consult a qualified professional for guidance specific to your circumstances.

21/07/2026

5 things worth spending money on (mortgage broker edition)

21/07/2026

I found this studio apartment on realestate.com.au with a guide of $595,000.

With a 5% deposit, you would need $29,750.

There is no stamp duty, and once you include conveyancing and other purchase costs, the total cash needed is $32,700.

The loan would be $565,250, with repayments of $3,462 per month at 6.20% over 30 years.

For a single first home buyer with no dependants or other debts, you would need an income of $105,000 p.a to buy this property.

Get in touch with me to run your numbers, I’ll make it easy for you.

Disclosure: Educational content only. Not personal financial advice. Consult a qualified professional for guidance specific to your circumstances.

Address

797 Military Road
Mosman, NSW
2088

Telephone

+61404682672

Website

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