Kosh Sothilingam - Mortgage Broker

Kosh Sothilingam - Mortgage Broker Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Kosh Sothilingam - Mortgage Broker, Loan service, 700 Springvale Road, Mulgrave.

Loyalty is a noble trait, no doubt.But when it comes to your bank, being loyal may mean you're throwing away thousands o...
29/05/2026

Loyalty is a noble trait, no doubt.

But when it comes to your bank, being loyal may mean you're throwing away thousands of dollars each year.

Reviewing your home loan and either renegotiating better terms, or switching to another lender, can save thousands of dollars in interest repayments or shave years off the life of your loan.

It depends entirely on your situation, of course - and we can't make any promises until we've spoken with you.

Make sure your loyalty to your bank isn't costing you. Ask us how.⠀

If you've recently renovated your home you may have increased the value of the property, which would mean more equity!An...
26/05/2026

If you've recently renovated your home you may have increased the value of the property, which would mean more equity!

And, the more equity you have in your home, the more bargaining power you have when negotiating with the banks for better loan terms.

(Equity, by the way, is the difference between how much the property is worth and what you owe the bank).

Get in touch for a no obligation home loan review, and we can let you know whether you have a good shot at a better deal.

To guarantor or not to guarantor... 🤔Helping out your children by guaranteeing their mortgage can help get them out of y...
24/05/2026

To guarantor or not to guarantor... 🤔

Helping out your children by guaranteeing their mortgage can help get them out of your hair and into their own home sooner, but how will it affect your finances?

Get in touch to discuss the pros and cons of allowing the kids to lean on the bank of Mum and Dad.

Investing in real estate is a long game. A lot can (and will) happen in 10, 20, 30 years.⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀We don't see ...
22/05/2026

Investing in real estate is a long game. A lot can (and will) happen in 10, 20, 30 years.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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We don't see the Great Australian Dream losing its lustre any time soon.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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What's better than owning your own home, except maybe having an investment property or two under your belt as well:ok_hand:⠀⠀⠀⠀⠀⠀⠀
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Get in touch to find out how you can climb the property ladder.

Taking out a home loan shouldn't stretch your finances to breaking point. ⠀⠀⠀And of course people (and products) change....
20/05/2026

Taking out a home loan shouldn't stretch your finances to breaking point.
⠀⠀⠀
And of course people (and products) change. What's right for us one year may not be the right thing a few years down the track.

This is where refinancing comes into play. When you refinance, it's not 'just' about reducing your fortnightly repayments or your interest rate.

Imagine shaving years off your home loan, so that you become mortgage-free sooner!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Get in touch to find out how.

If you've got plans to secure a home loan, then one of the most important pieces of advice we can give is to start the p...
18/05/2026

If you've got plans to secure a home loan, then one of the most important pieces of advice we can give is to start the process early.

Imagine getting to crunch time and missing out on your dream property because your finance isn't sorted, or having to go with your third choice of lender purely because they're the only ones who'll approve you in time. It happens!

Getting in touch with us sooner, rather than later, also means we can help you create the best impression with the lender - this preparation will ideally start months before you apply.

So, what are you waiting for?

Rejection stings, and getting a 'No' from your bank feels personal. You’ve done the work, saved the deposit, and then an...
17/05/2026

Rejection stings, and getting a 'No' from your bank feels personal.

You’ve done the work, saved the deposit, and then an algorithm decides you’re not a fit.

Most people stop there because they think the 'No' applies to every bank. It doesn't.

Different banks have different appetites. One might not like your industry but love your deposit size. Another might not be into your credit cards but love your stable job history.

Our job isn't just to find you a loan; it's to find the lender that’s looking for someone exactly like you.

If you’ve been knocked back, it's not over just yet. Get in touch and we can help you find a different door.

We’re not here to ‘sell’ loans. We’re here to help you find the right one – for your life, not just your lender.Whether ...
14/05/2026

We’re not here to ‘sell’ loans. We’re here to help you find the right one – for your life, not just your lender.

Whether you're ready to act or are still exploring, we’ll help you move forward with confidence.

Book a chat today – no obligation, just clarity.

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your ...
11/05/2026

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your cash flow.

For example:
– On a $600k loan, trimming just 0.5% off your rate could save you around $2,500 a year.
– Over the life of your loan, that’s tens of thousands back in your pocket.

Our job is to review your options, negotiate with your bank, and advise whether a switch stacks up financially.

We can’t promise savings until we look at your situation – but we can promise clarity.

When choosing an investment property, consider these 3 questions:– Can I add value or improve returns?– Will it outperfo...
09/05/2026

When choosing an investment property, consider these 3 questions:
– Can I add value or improve returns?
– Will it outperform inflation?
– What’s my exit strategy?

We can't advise on which property you should add to your portfolio, but we can help you source finance to support your goals.

Get in touch and let's map out your investment lending options, strategically.

Address

700 Springvale Road
Mulgrave, VIC
3170

Telephone

+61403438667

Website

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