Nectar Mortgages: Jason Cowburn

17/06/2025

💼 Want to grow your business? Whether you're eyeing new equipment, hiring staff, or just need a cashflow boost🚀 — the right business loan could make a real difference. And that’s where I come in. 🙋‍♂️
I can help you explore your options, figure out what suits your goals, and take the guesswork out of the process.
📩 Flick me a message or give me a call— always happy to help.

12/06/2025

If you’re scratching your head🤔over whether to go with a fixed-rate or a variable-rate for your mortgage, consider a split loan. A split loan combines both fixed-rate and variable-rate📉options, giving you the security🔐 and stability of a fixed-rate while allowing extra repayments💵 and potentially lower interest rates with the variable-rate portion. Give me a call if you’d like to discuss how a split loan could work for your current or future mortgage. 📲

05/06/2025

𝐁𝐚𝐝 𝐜𝐫𝐞𝐝𝐢𝐭 𝐝𝐨𝐞𝐬𝐧’𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐦𝐞𝐚𝐧 𝐧𝐨 𝐨𝐩𝐭𝐢𝐨𝐧𝐬
A less-than-perfect credit score might complicate your mortgage application, but it doesn’t have to hold you back💪. Whether you’re recovering from recent financial setbacks or addressing older credit issues, there are lending options to explore▶️. Get in touch today📲, and we'll help you understand your options and take the next steps toward homeownership.

05/06/2025

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐚𝐬𝐬𝐞𝐭 𝐟𝐢𝐧𝐚𝐧𝐜𝐞?
Asset finance allows businesses to access new or used vehicles🚛 and equipment🚜 💻 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐩𝐚𝐲𝐢𝐧𝐠 𝐚 𝐥𝐚𝐫𝐠𝐞 𝐬𝐮𝐦 𝐮𝐩𝐟𝐫𝐨𝐧𝐭.
Spreading payments over time helps manage cash flow, and you can typically use the item while paying it off.
For businesses looking to grow 🌱, asset finance is a popular choice.
Want to discuss a large purchase? Talk to me today 📲, and let's explore your options.

30/05/2025

𝐃𝐨𝐧’𝐭 𝐦𝐢𝐬𝐬 𝐲𝐨𝐮𝐫 𝐚𝐧𝐧𝐮𝐚𝐥 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐞𝐯𝐢𝐞𝐰!
Whether you have a fixed or variable-rate loan, an annual review📝 is an important time to assess your current financial situation💸 and plan for the future. As life changes, it’s important that your mortgage continues to meet your needs. During your review, we’ll examine your loan structure and explore adjustments that could better suit your situation😀. Let’s chat📲 and see what’s possible for your future!

29/05/2025

🔒 𝐅𝐞𝐞𝐥𝐢𝐧𝐠 𝐬𝐭𝐮𝐜𝐤 𝐨𝐧 𝐚 𝐟𝐢𝐱𝐞𝐝 𝐫𝐚𝐭𝐞?
With some lenders beginning to lower rates and offer sharper deals 🗡️, it’s easy to feel like you're missing out when locked into a fixed home loan. But the good news? You may have options😃.

💡 Here are a few things we can explore:
▶️ Renegotiating – Some lenders may be open to tweaking your structure or offering retention incentives—it never hurts to ask.
▶️ Planning ahead – Even if changes aren’t possible right now, we can map out a smart strategy for when your fixed rate ends.
▶️ Splitting your loan – If your fixed term is ending or you’re refinancing, we may be able to set up a split loan—part fixed, part variable—for more flexibility.
▶️ Breaking your fixed loan – This may involve break costs—sometimes significant—but depending on your situation, the long-term gains could outweigh the upfront fees.

Every situation’s different, and a quick chat could reveal the best way forward.
📲 Reach out anytime—happy to help. 👋

28/05/2025

𝐃𝐫𝐞𝐚𝐦𝐢𝐧𝐠 𝐨𝐟 𝐛𝐮𝐲𝐢𝐧𝐠 𝐢𝐧 𝟐𝟎𝟐𝟓 — 𝐛𝐮𝐭 𝐲𝐨𝐮𝐫 𝐢𝐝𝐞𝐚𝐥 𝐬𝐮𝐛𝐮𝐫𝐛 𝐟𝐞𝐞𝐥𝐬 𝐨𝐮𝐭 𝐨𝐟 𝐫𝐞𝐚𝐜𝐡? 🏡💭
You might not have to choose between lifestyle and home ownership.
Enter rentvesting — a clever strategy where you rent where you want to live, and buy where you can afford.
✨ Live in your dream location.
💰 Invest in a growth area that suits your budget.
Curious if it could work for you (or someone you know)?
Let’s have a quick chat — I’ll walk you through how it works, the benefits, and what to look out for.

21/05/2025

𝐁𝐮𝐲𝐢𝐧𝐠 𝐚𝐭 𝐚𝐮𝐜𝐭𝐢𝐨𝐧? 𝐖𝐞'𝐯𝐞 𝐠𝐨𝐭 𝐲𝐨𝐮 𝐜𝐨𝐯𝐞𝐫𝐞𝐝!
Auctions can be fast-paced🏃🏽, but with the right preparation📆, you’ll be ready to bid with confidence💪🏽. Here’s how we can help:
✅ Pre-approval guidance – know your budget before you bid.
✅ Tailored loan advice – explore loan options that suit your needs and timeline.
✅ Auction tips – understand the rules, deposit process, and next steps.
✅ Post-auction support – if you win, we’ll help guide you through the final steps.
Don’t let auctions feel overwhelming😨—let’s get you ready! 📞 Call me today or 📩 message to start the process.

20/05/2025

More good news for mortgage holders! The Reserve Bank of Australia (RBA) has today cut the official cash rate from 4.10% to 3.85%, offering welcome relief for borrowers. This is the second cut in 2025, following February’s adjustment.

Why the RBA made this move.

The decision was widely anticipated, driven by softer inflation, global uncertainty, and signs of slowing household spending. Here are some key points:

-Inflation: Underlying inflation rose 0.7% in Q1, bringing annual inflation to 2.9%—within the RBA’s 2–3% target band.

-Employment: Unemployment held steady at 4.1% in April, with 89,000 jobs added—far above expectations of 20,000.

-Wages: Wage growth remained in line with forecasts, helping to ease inflation concerns.

-Household Spending: Q1 consumption data showed weaker spending, pointing to a more cautious consumer.

-Global Outlook: Ongoing uncertainty—particularly around US trade policy—is weighing on global economic momentum.

What this means for you

If you haven’t reviewed your home loan in over a year, now’s a smart time to check whether your rate is still competitive.

Lower interest rates can boost your borrowing power and improve serviceability—whether you’re buying your first home, refinancing, or planning your next investment.

Got questions? I’m here to help you explore your options.

19/05/2025

𝐑𝐞𝐚𝐝𝐲 𝐭𝐨 𝐩𝐨𝐮𝐧𝐜𝐞 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐝𝐫𝐞𝐚𝐦 𝐡𝐨𝐦𝐞?🐅
More homes are hitting the market across Australia 🏘️—but with demand still high and a housing shortage that’s not going away, competition remains fierce. As interest rates ease, more buyers are jumping in 🏃🏽.
Getting pre-approved now means you’re ready to move when the right property appears.
✅ Act quickly
✅ Strengthen your offer
✅ Buy with confidence
📞 Contact me today to explore your pre-approval options—so you're ready when the right property comes along.

15/05/2025

💰 𝐄𝐪𝐮𝐢𝐭𝐲 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐢𝐞𝐬!
Your home’s equity could open new doors—whether it’s for investing, renovating, or consolidating debt. As a Nectar broker, I can help you understand how much equity you have and explore refinancing options if they're right for you. 🚀 Let’s see what’s possible—give me a call📲 or send me a message today! 💻

14/05/2025

𝐁𝐮𝐲𝐢𝐧𝐠 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲? 🏡 𝐃𝐨𝐧’𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐚𝐛𝐨𝐮𝐭 𝐬𝐭𝐚𝐦𝐩 𝐝𝐮𝐭𝐲!
It’s easy to focus on the deposit and loan — but stamp duty can be a big extra cost you’ll need to budget for. The good news? 📰 First home buyers — and some other buyers — may be eligible for discounts or exemptions!🤩
Not sure where you stand? Use our quick stamp duty calculator below — or reach out and let's chat about your options.📲

Stamp Duty Calculate how much you’d pay in stamp duty on your house purchase. This tax varies depending on the state you buy in, whether or not you’re a