Kosh Sothilingam - Mortgage Broker

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Your maximum borrowing power is a lender's number. Your comfortable borrowing amount is yours.On these numbers, borrowin...
10/10/2026

Your maximum borrowing power is a lender's number. Your comfortable borrowing amount is yours.

On these numbers, borrowing $80,000 less frees up about $480 a month. That might be your holiday money, a buffer for a rate rise, or the difference between a relaxed year and a stressful one.

We'll always show you both numbers.

HECS is one of the most common worries we hear from first home buyers.It doesn't stop you getting a loan. It does affect...
08/10/2026

HECS is one of the most common worries we hear from first home buyers.

It doesn't stop you getting a loan. It does affect your borrowing power, because your compulsory repayments come out of your pay. Recent changes have made lenders more flexible, especially if you're close to paying it off.

Before you rush to clear it with your deposit savings, let's check whether that actually helps.

A lot of first home buyers hold off because they can't afford the place they picture themselves in long term.Your first ...
05/10/2026

A lot of first home buyers hold off because they can't afford the place they picture themselves in long term.

Your first home is a starting point. It builds equity, gets you into the market, and can become the stepping stone to your next move. The two-bedroom unit you buy now might be what gets you the family home in five years.

Two people can have the exact same income, deposit and property – and still need different loans.That’s where advice mat...
02/10/2026

Two people can have the exact same income, deposit and property – and still need different loans.

That’s where advice matters.
We match your loan to your life, not just the lender’s checklist.

Let’s talk about what you need from your lending solution.

Still think you’re not 'ready' to buy your first home?Most of our first home clients were unsure too, until we showed th...
29/09/2026

Still think you’re not 'ready' to buy your first home?

Most of our first home clients were unsure too, until we showed them what was actually possible. You don’t need to be perfect, partnered or cashed up. You just need a smart strategy.

DM us ‘FHB’ and we’ll show you your options – no pressure, just clarity.

Buying an apartment can be more affordable than a house but is it harder to get a loan? From a lender’s perspective, it’...
27/09/2026

Buying an apartment can be more affordable than a house but is it harder to get a loan?

From a lender’s perspective, it’s all about mitigating risk. A lender doesn’t want to make a bad investment any more than you do.

Here's what they'll consider when deciding whether to approve your application to buy an apartment:
- Location - is there a glut of apartments in the area?
- Size - does it have enough living space?
- Title - will the title of the property make it hard to sell?
- Age - is it off-the-plan or established?

Get in touch to understand your options.

It's possible to clear your bad debt (credit cards and personal loans), so you'll have a better shot at being approved f...
25/09/2026

It's possible to clear your bad debt (credit cards and personal loans), so you'll have a better shot at being approved for good debt (home loans).

Whether you're buying your first or fifth property, or perhaps you want to refinance, getting your money in order is the first step.

Your relationship with money is deeply personal and often shaped by experiences from childhood, family values, and life ...
21/09/2026

Your relationship with money is deeply personal and often shaped by experiences from childhood, family values, and life events.

Recognising your money patterns is the first step toward financial growth:
🤔 Are you a natural saver or spender?
🤔 Do you see money as security or freedom?
🤔 What emotions come up when discussing finances?

There's no right or wrong approach – just different paths to financial wellbeing.

What's one money belief you'd like to change?

Let's start with a caveat: what's best for you will depend on your unique situation, so consider this information as a b...
19/09/2026

Let's start with a caveat: what's best for you will depend on your unique situation, so consider this information as a broad overview, rather than actual advice.

Offset account:
This works like a transaction account, with one difference: the funds in your offset account are 'offset' against the balance of your loan. Interest is calculated against this lesser amount, so the more funds in your offset account, the less interest you pay.

To maximise the interest-saving benefits people often have their salary deposited straight to their offset account, along with any big one-off payments – like tax refunds.

Redraw facility:
A redraw facility on the other hand, allows you to make additional repayments on your loan, which you can then access later if you need to (for renovations, holidays, purchasing a car, emergencies).

Both of these options have distinct advantages and disadvantages.

It all comes down to being smart about how to use them and being aware of all the fees, exceptions and tax implications.

It turns out your bank doesn't reward loyalty – they punish it! 🏦💸While you've been faithfully paying your mortgage, the...
17/09/2026

It turns out your bank doesn't reward loyalty – they punish it! 🏦💸

While you've been faithfully paying your mortgage, they've been:
❌ Leaving you with less competitive products
❌ Offering better rates to new customers
❌ Hoping you never ask for a better deal

Meanwhile, many of our clients are:
✅ Refinancing to save thousands per year
✅ Accessing more useful features and flexibility
✅ Using their equity for investments or renovations

Don't let loyalty cost you money. Let's see what you could be saving.

Address

700 Springvale Road
Mulgrave, VIC
3170

Telephone

+61403438667

Website

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