Theo Kolos - Mortgage Broker

02/12/2025

The government's new Home Guarantee Scheme could be your ticket to owning a home sooner than you reckon.

Here's what it means for you:
- Lower deposit options without the need for lenders mortgage insurance
- Support for first-home buyers, single parents, and those building or renovating
- More chances to get your foot in the door with less upfront cash

Not sure if you're eligible or how to get the best deal? That's where I come in. As your personal mobile mortgage expert, I'll help you work through the details and find the best loan tailored to you.

Keen to see how this scheme can help you? Flick me a message or pop a comment below – let's get you closer to your dream home!

01/12/2025

Thinking about refinancing your home loan? Here are the top 5 questions to ask before you make the move:

1️⃣ What's my current interest rate compared to today's rates?
2️⃣ Are there any fees or break costs for refinancing?
3️⃣ How will refinancing impact my repayments and loan term?
4️⃣ Can I get better features or benefits with a new loan?
5️⃣ How does refinancing align with my overall financial goals?

Refinancing can save you money or give you more flexibility – but only if it's the right choice for you.

Need a hand figuring it out? I'm your personal mobile mortgage expert, ready to come to you and help you compare over 25 lenders to find the best deal.

Send me a message or drop a comment to get started!

04/11/2025

If you’ve got a home loan, you should probably listen to this! 🤔

When it comes to home loans, Australia’s 5 big banks all specialise differently. Here’s my breakdown! 🏦

30/10/2025

Hey I’m not a scumbag, I swear 😂
Whilst it seems crazy at first, borrowing more than you need can come in handy when it comes to homeownership. Want to know more? Send me a message 🏡

29/10/2025

26/08/2025

Big changes are coming on October 1st for first home buyers in Australia! The government’s new Home Guarantee Scheme will make it easier than ever to buy property.

Here’s what you need to know:

No more limits: The scheme will have unlimited spots and no income caps, so everyone who is eligible can get in.

Say goodbye to LMI: You can buy a home with just a 5% deposit and skip the costly Lenders Mortgage Insurance (LMI).

Higher price caps: Property price limits are increasing to reflect current market values, giving you more options.

The bottom line? This could save you years of saving and tens of thousands of dollars. Swipe through for all the key details and share this with anyone you know who is trying to get into the property market!