Loren Manthey - Mortgage Broker

17/08/2026

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Enough to make a broker blush ☺

11/08/2026

MORTGAGE HOLDERS CAN BREATHE 😮‍💨… for now!

Cash rate on hold at 4.35% following the RBA’s meeting today; this however doesn’t mean you shouldn’t be reviewing your options!

📞- 0423 863 294
📧 - [email protected]

11/08/2026

Did you know that by having the following medical occupations you may be eligible to borrow up to 90% without paying mortgage insurance!?


📱 Message to find out more

04/08/2026

🎤For those that are new here, I'm Loren. 🎤

I'm a mortgage broker / home loan specialist / finance gal - whatever title works; essentially my role is helping people buy homes, save money by keeping their home loan competitive, and build wealth through property ownership


I've worn our Ascension logo for two years, but I'm not new around here. Here's a scary stat, I've been doing this for almost a third of my life!😅


Apparently, I thrive off chaos; if you know me personally you'll know my days are FULL to the brim. I'm a wife, mother, business owner, football coach, manager, teammate (when I'm not injured 😅) and I still try to maintain a social life.


I'm passionate about helping people, and mortgage broking gives me the opportunity to guide people through one of the biggest financial decisions they'll ever make.


Over the last decade I've helped first home buyers get their foot in the door, families refinance and save thousands, investors grow their portfolios and—my favourite—turning plenty of "no's" into "yes's". Seeing someone collect the keys to a home they never thought they'd own is something I'll never get tired of.


I genuinely believe finance doesn't have to be intimidating. You shouldn't need to speak fluent "bank" just to understand your own loan.


So whether you're:
🏡 Buying your first home
🔑 Upgrading
💰 Refinancing
🚗 Looking at a car loan
🔨 Renovating
📈 Investing..or you're simply wondering if your bank has been a little too comfortable charging you what you're paying...


Let's have a chat.


No pressure.
No awkward sales pitch.
Just honest advice and someone in your corner.

03/08/2026

Ready for a seaside change? 🏡

Freshly updated, this four-bedroom home in Seaside Fern Bay is designed for easy family living. Plantation shutters, new flooring and a beautifully renovated kitchen give the interiors a crisp modern feel, while the flowing single level design creates effortless connection between indoors and out.

23/07/2026

This one deserves a place on the socials 👏🏻

Many years ago I met Cody’s parents; I sat at their kitchen table many times going through different scenarios and working through solutions.

This story however isn’t about them;

The appointments with his parents almost always ended up with; ‘Cody’s question time with Loren’ - nothing formal, nothing concrete just some time spent answering questions.

Cody was 15/16 at the time, relatively fresh in the workforce. Was he ready for a home loan? NO.
But man was he ready to learn - and he did just that.
He took everything in, he put things in place and at each visit he was a step closer to his dream of purchasing his own property.

6 years ago Cody signed his FIRST mortgage document. I snapped a quick picture. I was proud! I knew how much this meant to him and how hard he worked to get there.

He was my youngest first home buyer! (And still to this day; no one has taken that title from him)

Fast forward to now and Cody is the director and founder of his own boutique buyers advocacy practice in Queensland. He is now the one helping people with their property dreams!

I pride myself on giving my clients uninterrupted time, being a sounding board and ultimately working together to develop a structured plan to help them on their home buying journey.

I’m here for the journey; as long as it takes.
In your corner 🧡 🏡

15/07/2026

Whether you’re actually good at trivia or just up for a fun night out; gather 9 friends and join us on Saturday night for some laughs 🤓 📚 🍹

🚨 UPDATE: TRIVIA NIGHT - SOLD OUT 🚨

Our Edgeworth Eagles FC Trivia Night is almost here, and we've got just ONE table of 10 still available.

📅 Saturday 18 July
🕡 6:30pm
💲 $150 per table (10 people)
🔞 18+ Event
📍 Pasterfield Sports Complex, Cameron Park

🎟 Gather your smartest (or funniest) mates and join us for what promises to be a fantastic night. Secure your table today:
https://www.teamapp.com/.../ticketed.../176249/tickets...

We'd also like to give a huge thank you to our event sponsor Loren Manthey - Mortgage Broker for supporting the evening.

Thanks also to the incredible local businesses who have donated prizes:

• Newcastle Racecourse
• OUR. Pilates Co
• Chiropractor Newcastle NSW | Total Balance Chiropractic
• Main Coffee Co
• Emma O’Neill Art
• Terrace Boating & Leisure Centre
• Blazing Pressure Cleaning
• Express Promo
• Ascension Finance

Your generosity helps make nights like this possible and we're incredibly grateful.

14/07/2026

Market is brewing just like the new Starbucks ☕️

For all your home loan needs ⬇️
📧: [email protected]
📱: 0423 863 294

13/07/2026

Word of mouth referrals have always been the cornerstone of my business; thank you to my clients, friends, family and referral partners for your trust, support and business 🧡

06/07/2026

COUCH CONFESSIONS 😅

Your borrowing power is the amount the bank is willing to lend you based on income, expenses, debts, loan term and a few other built in calculations and assessment rates.

🤫 it IS NOT the same with bank A and bank B
🤫 if you go direct to a bank, you need to fit into that one banks policy.
🤫 If they don't accept all of your overtime income, too bad.
🤫 If you're a single parent that needs to rely on child support or family tax payments but your child is older than the cut off, too bad.
🤫 If you're living rent free with family, the bank might say they still need to apply a notional rent figure to the calculation, too bad.
🤫 If you want a longer loan term to boost your capacity but that bank doesn't allow it, too bad.



There are lenders out there who will;


🧡 Take 100% of your overtime, allowances, bonuses and commission payments.
🧡 Take your centrelink income and child support into account until your child is no longer a dependant.
🧡 Take a 40 year loan term on board, rather than the standard 30 years (if it makes sense of course)
🧡 Take your current debt repayments at face value without adding a buffer to your repayments
🧡 Take the fact that you have a HECS/HELP debt that is close to being paid off into account and either ignore it, or completely change the way they calculate your whole capacity (a HUGE win!)

If your borrowing power is higher than you need it to be, fair game - you can go anywhere. But for everyone else, there are lenders and loans out there that will be a real game changer for you.

Shop around for the right broker, who will in turn shop around for the right loan and product for YOU!

⭐️⭐️⭐️⭐️⭐️