Stephen O'Reilly-Nugent Loan Market

10/08/2026

The market's gone quiet.

Auction clearance rates have slipped into the low 50s — the quietest since 2020. Sounds like bad news.

Here's the flip side. When the crowd steps back, the prepared buyer holds the cards. Less competition. More choice. Real room to negotiate.

Nothing to do today. But if you — or someone you love — has been weighing up a next move, it's worth knowing where you stand.

Follow along and I'll keep you across the next move.

29/07/2026

Ever stood at a front door like this one and let yourself picture it- your keys, your hallway, your place? That feeling sits behind one big question: what does it actually take?

Here's a real example. On a $630,000 home, you're looking at a 5% deposit of around $31,50- with a loan of $S98,500. Month to month, that's about $3,623, or roughly $836 a week. There will be about $9,000 in costs to settle.

Numbers on a screen are one thing; your numbers are another. If you're wondering how close you really are, send me a message or book a quick chat - no cost, no pressure. That's the part I'm here for

https://calendly.com/stephen-oreillynugent-loanmarket/discovery-appointment

*Estimated other purchase costs, **Principal & interest based on 6.09% p.a. over 30 years. Example only, not a quote or an offer of finance. FirstHome

29/07/2026

�Are you ready to roast? ☕

If you've been dreaming of opening the doors on your own coffee joint, here's the finance story nobody puts on the menu:

Up to $100,000 no doc. A 2-year ABN and clean credit - no gremlins lurking - can be all it takes. Turnkey equipment, plug and pour, at excellent rates.

Or go rent-to-buy: upgrade the kit every 3 years. Roll the lease over, grab the new gear, keep pouring. Cashed up down the track? Take the option to pay it out.

This one comes from specialised lenders that understand the industry - it's not one for every bank, which is exactly why you talk to an asset specialist.

It doesn't suit every situation - working that out is my job, not yours.

DM me "ROAST" and I'll take a look. No cost, no pressure.

💬 Know someone plotting their own cafe? Send them this.

General information only - lending subject to approval.

23/07/2026

Two big changes are now law: negative gearing has changed, and super-fund property lending ends ~10 August. Existing owners are protected — but the map for new investors just moved.

City prices are slipping. The best regional centre in every state is out-renting its capital — Dubbo, Mildura, Toowoomba, Mt Gambier, Busselton — with vacancy near record lows.

The numbers are in the reel. Whether they stack up for you takes twenty minutes to find out.

No cost, no pressure — DM me and let's run your numbers before the August dates roll around. 📊

22/07/2026

Need a break? grab a cuppa! great to see our homegrown ONB coffee cups on the desks of our peers

20/07/2026

Planning to grow the business this year?

The right gear says yes to bigger jobs — and there's a finance structure built for exactly that.

If you're self-employed, a lite-doc structure can approve your equipment finance with evidence of property ownership. That's it — nothing else.

Work utes, trucks and trailers. Excavators and machinery. Tools, tech and equipment. Shop and kitchen fitouts. If it earns you money, we can look at financing it.

It doesn't suit every situation — working that out is my job, not yours.

The gear is waiting. It's your time.

DM me "GEAR" and I'll take a look. No cost, no pressure.

16/07/2026

10/07/2026

I'm definitely a mortgage broker, but I'm also a dad, and I love what my kids can do.