Joel Archer - Ascension Finance

Joel Archer - Ascension Finance Investors, Homeowners or First-Time Buyers, our goal is to help you achieve your property goals We’re one of Newcastle’s leading home loan brokers.

Our Mission -
To help first-time buyers, homeowners, and investors achieve their homeownership dreams. We do this by listening to our clients’ goals, providing clear advice and education, delivering strategic product choices and making the process hassle-free. We advise clients based on their best interests and goals—not the interests of lenders. We specialise in investment, refinancing and first

home buyers and have deep knowledge of the Newcastle, Hunter and wider NSW mortgage and property markets. With access to over 35 lenders we'll find the products that best meet your needs and help you reach your property goals. Credit Rep #482745
FBAA Approved Credit Advisor

🏡 What's the ideal age to move out and buy your own home? 🏡⁣⁣Research by Finder shows most Australians believe that by a...
09/09/2026

🏡 What's the ideal age to move out and buy your own home? 🏡⁣
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Research by Finder shows most Australians believe that by age 31 it’s well and truly time to fly the nest.⁣
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That’s not far off age 33 - the average age for first homebuyers (CommBank data). 🙌⁣
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Living with mum and dad throughout your 20s can have its advantages though, such as saving up more for a first home deposit.⁣
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And there are even federal government schemes, such as the First Home Super Saver Scheme, that can help boost those savings.⁣
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Contact us about pathways to buying your first home. 👇⁣
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To find out more, DM or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

08/09/2026

From debt collection to running a successful mortgage brokerage, Joel reveals the surprising path that led him to find his perfect business fit.

To find out more, DM or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

🏗️ Which properties are still eligible for negative gearing? 🏗️⁣⁣Under new tax reforms, investors can still negatively g...
07/09/2026

🏗️ Which properties are still eligible for negative gearing? 🏗️⁣
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Under new tax reforms, investors can still negatively gear a property, and claim a 50% CGT discount. 💰⁣
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But only if you buy a newly built place that adds to housing supply. 🏡⁣
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That includes off-the-plan apartments, residential construction on previously vacant land, or a duplex built through a knock-down rebuild replacing a single freestanding house. 🏗️⁣
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Talk to us to find out more. 👇⁣
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To find out more, DM or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

04/09/2026

Stop stressing about your career path and start prioritising asset building today if you want to set yourself up for long-term freedom.

To find out more, DM or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

04/09/2026

🙌 The strategy 300,000+ first home buyers have used 🙌

With the 5% Deposit Scheme, you can buy your first home with as little as a 5% deposit.

The federal government guarantees your loan. Which means no lenders mortgage insurance is needed - a big saving!

DM us to find out if you’re eligible. 👇

To find out more, DM us or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

* Housing Australia statistics

🌳 Why regional homes are gaining in popularity 🌳⁣⁣Relaxed living, better value and enticing affordability. 🌿⁣⁣It’s all d...
02/09/2026

🌳 Why regional homes are gaining in popularity 🌳⁣
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Relaxed living, better value and enticing affordability. 🌿⁣
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It’s all driving a trend towards regional living - either out bush or by the sea. 🏡⁣
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The regional median home value of $771,365 is much more affordable than the $1,030,973 median across our cities, according to Cotality research. 📊⁣
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Could a move to the regions help you become a home owner? 💡⁣
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Contact us to find out. 👇⁣
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To find out more, DM us or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

🙌 The strategy that's struck a chord with 300,000+ first home buyers 🙌⁣⁣The 5% Deposit Scheme has made home ownership po...
31/08/2026

🙌 The strategy that's struck a chord with 300,000+ first home buyers 🙌⁣
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The 5% Deposit Scheme has made home ownership possible for over 300,000 Australians.⁣
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In a nutshell, you buy with as little as a 5% deposit. 😮⁣
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The federal government guarantees your loan.⁣
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That means no lenders mortgage insurance is needed - a big saving. 👍⁣
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Contact us to find out if you’re eligible. 👇⁣
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To find out more, DM us or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

28/08/2026

💳 How BNPL can impact your home loan application 💳

Every time you apply for Buy Now Pay Later, it may trigger a credit check.

And too many credit checks can affect your credit score and be a red flag for lenders.

Late or missed BNPL payments can also be reported, which could reduce your score further.

Got a BNPL account active? DM us to find out more. 👇

To find out more, DM us or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

🏗️ How to still make use of negative gearing 🏗️⁣⁣Negative gearing isn’t dead. It’s just different. 💡⁣⁣Investors can stil...
26/08/2026

🏗️ How to still make use of negative gearing 🏗️⁣
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Negative gearing isn’t dead. It’s just different. 💡⁣
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Investors can still benefit from negative gearing on newly built properties. 🏡⁣
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It’s an option that can also mean higher depreciation deductions. ⁣
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Seek advice from your accountant and/or financial adviser to see if it's right for you.⁣
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And if so, contact us to explore your investment home loan options. 👇⁣
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To find out more, DM us or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

📝 Bank of Mum and Dad: why a formal agreement makes sense 📝⁣⁣One-in-five first home buyers rely on the support of parent...
24/08/2026

📝 Bank of Mum and Dad: why a formal agreement makes sense 📝⁣
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One-in-five first home buyers rely on the support of parents or family. ⁣
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Yet more than 6-in-10 of these buyers have no written agreement in place, according to Money.com.au’s latest research.⁣
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This can potentially delay home loan approval. ⏳⁣
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That’s because lenders want to know if the financial support is a cash gift or a loan. 🤔⁣
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Bottom line, talk to us to know how to structure the support of well-meaning family members. 👇⁣
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To find out more, DM us or contact Joel at Ascension Finance on:

☎️ – 02 4925 1080
💻 – [email protected]

Address

Level 4, 45 Watt Street
Newcastle, NSW
2300

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61249251080

Website

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