Alan Lavocah - Mortgage consultant

06/02/2026

Do you have property goals for 2026?

22/07/2025

You don't know unless you ask...

28/08/2024

Purchase or Refinance.
*10+ years experience
*Property investment specialist (portfolio structuring)
vantageloans.com.au
0431 915 025

14/03/2023

Looking to refinance your mortgage?

29/06/2021

Review and refinance.
Things change. Rates go up and down, you may get a different job or have another child, and new loan products are constantly introduced to the market. So it’s always a good idea to take stock of your loan and see if you can get something more suited to your current needs and goals. Maybe it’s a lower interest rate, or some extra features. You may even be thinking about splitting your loan. Whatever the reason, sometimes switching lenders or refinancing is a good strategy. Contact Vantage Loans for a FREE home loan health check.

02/07/2019

02/07/2019

The Reserve Bank of Australia decided to once again reduce the official cash rate, this time to 1% in a concentrated effort to boost household spending and the economy in general.

In making the decision to lower rates again this month the RBA has signalled its focus on supporting employment growth as it looks to restore inflation to within its target range and provide further stimulus to the economy.

Here is how Australia's average mortgage sizes may be affected:

Loan amount example $150,000 - Likely decrease in repayments $21.45 per month

Loan amount example $250,000 - Likely decrease in repayments $35.75 per month

Loan amount example $350,000 - Likely decrease in repayments $50.05 per month

Loan amount example $450,000 - Likely decrease in repayments $64.35 per month

Loan amount example $550,000 - Likely decrease in repayments $78.65 per month

Loan amount example $650,000 - Likely decrease in repayments $92.95 per month

Interest rates are already at historic lows, and if lenders respond to the RBAs move by slashing their interest rates, there is an even more compelling case for you to review your lending options now.

I'm here to work through the different rates available from our wide panel of lenders with you and I'm always available to ensure you have the right financial solution for your current and future circumstances.

If you'd like to have a chat about what today's news means for you and your finances, please get in touch.

12/06/2019

Review and refinance.
Things change. Rates go up and down, you may get a different job or have another child, and new loan products are constantly introduced to the market. So it’s always a good idea to take stock of your loan and see if you can get something more suited to your current needs and goals. Maybe it’s a lower interest rate, or some extra features. You may even be thinking about splitting your loan. Whatever the reason, sometimes switching lenders or refinancing is a good strategy. Contact Vantage Loans for a FREE home loan health check.

11/06/2019

Make the most of a lump sum.
Lump sums are free money! Not really, but a payment like a tax refund is cash that you’ve never really had. You’ve already lived without it, so you won’t miss it when you put it into your loan. And you certainly won’t miss the extra months of payments and thousands in extra interest you’ll still have if you don’t pay it. And this is just one single payment. Imagine how much you’d save if you paid your tax refund into your loan every year.

20/05/2019

If you don't ask, you won't know.

20/05/2019

Look for features to help you save.
In order to pay more off your loan, it’s a good idea to reduce your living costs in other areas. Many loans and lenders have other products that will help you do just that. If you have a loan with a lender, you can often get discounts on life insurance, car insurance, home and contents insurance, and more. Alternatively, another way to save is to choose a loan with less features. These ‘no-frills’ loans often sacrifice features for lower rates. If you don’t need the added extras this could suit you.