James Litic - Mortgage Australia

James Litic - Mortgage Australia I'll help you get a better home loan dozens of major lenders at no cost to you. Just like many of the other people I have already helped.

Hello, I’m James Litic, your local Mortgage Australia Broker in Osborne Park and surrounding areas. Getting your first or next home loan with me will be faster and easier than ever – and you’ll end up with a much better home loan. I have been a broker for 16 years. For the past 7 years, I have specialised in helping First Home Buyers obtain finance. I also have a great deal of experience in constr

uction finance and with property investment, having worked with some of Western Australia's largest building companies. I have a Cert IV in Mortgage Broking and a Diploma of Finance Broking. You can rest easy knowing that I am a part of the country’s largest broking company, which happens to organise 1 in every 10 home loans nationwide, every month. Experience the convenience of state-of-the-art technology, capable of objectively comparing 1,350 of the latest financial products. Covering over 31 lenders, including the Big 4 Banks. As someone who lives here, you will be dealing with someone who is fully committed to the residents of Osborne Park and its surrounding areas. I am a Member of the Mortgage and Finance Association of Australia and the Credit Industry Ombudsman. Professional Indemnity Insurance against any claims up to $20,000,000 (ASIC regulated Authorised Credit Representative number 402522). Whether you’re a first homebuyer, experienced homeowner, or a property investor; you need finance that is specifically suited and tailored to your needs. I am nearby, and always ready to help. If you’re looking to buy a home for your family, invest in the property market, take out finance to build a new house, obtain a reverse mortgage, or anything in between - my years of experience and industry relationships will help to streamline the process. When you need a mortgage broker in Osborne Park or anywhere nearby, using a mortgage broker such as myself will reduce the time, energy and frustration spent searching for home finance. With thousands of loan options, finding the right loan can be an overwhelming task for many mortgage borrowers. I will work hard to save your valuable time and take the stress out of your next home loan application.

Here are the most common questions I get asked by people who want to save money on their current home loan: Can I get a ...
23/12/2025

Here are the most common questions I get asked by people who want to save money on their current home loan:



Can I get a mortgage where I pay less than I'm paying now?

In almost all cases, yes. But if for some reason you can't find you a cheaper loan, there was certainly no harm in trying.

With lenders adjusting their rates outside of the reserve bank now is a great time to shop around check that you have the right loan for your needs, I am a great starting point. It will depend what interest rate you're currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit) and what features you want in your loan. We can quickly explain your options.



Can I consolidate credit card or other debts into a home loan?

This is one of the reasons many people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt - e.g. credit cards, overdraft facilities, personal loans etc. Providing you have sufficient equity in your property, you may be able to consolidate all your debt on a home loan. If you take this option though it is important to make sure you maintain your repayments at their current level or you could end up paying more over a longer period of time. Speak with me anytime to discuss your personal needs.



How much money can I borrow?

We're all unique when it comes to our finances and borrowing needs. Get an estimate on how much you could borrow with our clever loan options tool. Chat to us when you're ready, we can help with calculations based on your circumstances.



How do I choose the loan that's right for me?

Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, I can recommend the right loan setup for you.



How often do I make home loan repayments - weekly, fortnightly or monthly?

Most lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.



What fees/costs are involved in switching mortgages?

Penalty fees could apply if you're paying off a fixed rate mortgage early, but it usually costs only a few hundred dollars in administrative costs to your current lender for a variable mortgage. But I wouldn't recommend a loan where these costs are not substantially offset by repayment savings when you switch home loans. I'll walk you through any fees that will apply in your circumstances.

Did you know that approximately 80% of Australians end up on some form of government assistance in retirement?Did you al...
22/12/2025

Did you know that approximately 80% of Australians end up on some form of government assistance in retirement?

Did you also know that ONLY 20% of Australians invest in property?

Coincidence you think? I'd say not.

You could probably afford an investment property for less than the repayments on a small car. So rather than upgrading your car as soon as it is paid off, consider building wealth for your future.

Have a look at this short article for more details - Are You Driving Your Investment Property.pdfhttps://www.mortgageaustralia.com.au/email/files/areyoudrivingyourinvestmentproperty.pdf

One size doesn't fit all when it comes to home loans. Make sure you choose a loan with the features and benefits that ar...
22/12/2025

One size doesn't fit all when it comes to home loans. Make sure you choose a loan with the features and benefits that are right for you.

Here's a guide to common loan features and benefits.

1) Interest only repayments

You only pay the interest on the loan, not the principal, usually for the first one to five years although some lenders offer longer terms.

Many lenders give borrowers the option of a further interest-only period. Because you're not paying off the principal, your monthly repayments are lower.

These loans are especially popular with investors who pay off the principal when the property is sold, having achieved capital growth.

2) Extra repayments

If you pay more than the required regular repayment, the extra amount is deducted from the principal. This not only reduces the amount you owe but lowers the amount of interest you repay.

Making extra repayments regularly, even small ones, is the best way to pay off your home loan quicker and save on interest charges.

3) Weekly or fortnightly repayments

Instead of a regular monthly repayment, you pay off your home loan weekly or fortnightly. This can suit people who are paid on a weekly or fortnightly basis, and will save you money because you end up making more payments in a year, cutting the life of the loan.

4) Redraw facility

This allows you to access any extra repayments you have made. Knowing you have access to funds can provide peace of mind. Be aware lenders may charge a redraw fee and have a minimum redraw amount.

5) Repayment holiday

You can take a complete break from repayments, or make reduced repayments, for an agreed period of time. This can be useful for travel, maternity leave or a career change.

6) Offset account

This is a savings account linked to your home loan. Any money paid into the savings account is deducted from the balance of your home loan before interest is calculated. The more money you save, the lower your regular home loan repayments.

You can access your savings in the usual way, by EFTPOS and ATMs. This is a great way to reduce your loan interest, as well as eliminate the tax bill on your savings. Lenders provide partial as well as 100% offset accounts.

Be aware the account may have higher monthly fees or require a minimum balance.

7) Direct debit

Your lender automatically draws repayments from a chosen bank account. Apart from ensuring there is enough cash in the account, you don't have to worry about making repayments.

8) All in one home loan

This combines a home loan with a cheque, savings and credit card account. You can have your salary paid into it directly. By keeping cash in the account for as long as possible each month you can reduce the principal and interest charges.

Used with discipline, the all-in-one feature offers both flexibility and interest savings. Interest rates charged to these loans can be higher.

9) Professional package

Home loans over a certain value are offered at a discounted rate, combined with discounted fees on other banking services.

These can be attractively priced, but if you don't use the banking services you may be better off with a basic variable loan.

10) Portable loans

If you sell your current property and buy somewhere else you can take your home loan with you. This can save time and set-up fees, but you may incur other charges.

Finally - your survival guide to a joint bank account:It's the one proposal that never appears in romantic movies. It d...
19/12/2025

Finally - your survival guide to a joint bank account:

It's the one proposal that never appears in romantic movies. It doesn't involve a big diamond, and it won't lead you down a flower-adorned aisle to the tune of 'the wind beneath my wings'. For some, it's an exciting affirmation that the relationship is becoming more serious. For others, it can be a disaster waiting to happen.

So 'what's this proposal?' you ask. It goes a little something like this...

"Honey, do you want to open a joint bank account?"

10 little words that will either melt your heart, or have it beating double time in sheer panic.

So how do you avoid joint account disaster? Is it ever a good idea to entwine your finances?

Like many other financial decisions, this one is best served with a healthy dose of discussion, and some planning. It's crucial to compare notes early on, and ensure that you're both on the same page when it comes to matters of the wallet.

Clear the air

One of the biggest relationship-killers is money. Some people feel that money is a necessary evil, something that comes and goes, pale in comparison to experiences and relationships. Other people see money as a means to achieving freedom and happiness, and have clear financial goals in mind.

You might be very compatible in many ways, but it's possible that you have very different attitudes about money. It's important to have some open discussions about your financial situation before you open a joint account.

Plan a budget

Discuss what your joint account will be used for. Many couples have a joint account for the rent and household bills, and they each deposit an agreed portion of their pay. The remainder stays in personal accounts to be used for savings, leisure or personal shopping.

It's important that both parties are clear about which expenses can be paid out of the joint account. This will avoid arguments when one party tries to pay the gas bill, only to find that their partner has withdrawn that money for a friend's birthday present.

Sharing is caring

It might be a difficult topic, but this is the time to be honest about what you have, what you owe and what you earn. If one partner earns significantly more than the other, you will need to work out whether you both deposit the same amount into the account every month.

If one partner has significant debts, it's vital to get this out in the open to avoid problems down the track.

With a bit of planning and some candid conversations, your relationship can survive the joint account challenge.

Discover 5 ways to attract your ideal tenant:You've made the decision to purchase an investment property, and you're rea...
19/12/2025

Discover 5 ways to attract your ideal tenant:

You've made the decision to purchase an investment property, and you're ready to tackle your new role of 'landlord' with diligence and enthusiasm. So it would make sense to buy the property first, then hire an agent, decide on the rent and interview tenants - right?

No, actually. If you want to attract the ideal tenant, it's quite the opposite.



1. Purchase the investment property with your ideal tenant in mind

Before you purchase your investment property, it pays to think about who your ideal tenant is. Are they a professional couple, a family, or someone in their older years? Once you have a firm idea of who you would like to rent to, you can start to put yourself in the tenant's shoes and think about what the property should offer.

If your ideal tenant is a professional person, look for properties with good access to transport, an easy commute to the nearest CBD.

If you prefer a young family, then schools, kindergartens, shopping centres and sporting facilities will be on the menu.



2. Presentation pays off

The best tenants are not likely to be impressed by a mouldy smell coming from the wardrobe, or a bright yellow toilet seat from 1970. Try to make some inexpensive improvements if you can, and present the property as a clean and comfortable home. Ensure that everything is in good working order, and try to keep colours neutral.



3. Price for the market, don't increase the rent too much

Research other properties for rent in the area, and price your rent accordingly. Once you do manage to find that dream tenant - don't increase the rent too often, or too much. This will only encourage tenants to look elsewhere. A $10 per week rise might seem like a good idea in the long term, but if your property sits empty for months between tenants that will represent a far greater loss.



4. Screen agents and tenants carefully

Before you sign up with a real estate agency or property manager, find out about their track record and the way they like to do things. How do they handle complaints about the property, or tenants who default on the rent? How often will they carry out inspections?

Make sure they have a rigorous process in place for screening tenants, and make your wishes clear from the beginning.



5. Invest in landlord's insurance

If all else fails, landlord's insurance can really save the day. Make sure you invest in a good insurance policy that covers you for any damage by tenants, unpaid rent or liability claims.

Make your house a home with a low cost home improvement loan.
19/12/2025

Make your house a home with a low cost home improvement loan.

?? First Home Buyers, There�s Still Time! ??If you�ve been dreaming of owning your first home, now is the time to take a...
17/12/2025

?? First Home Buyers, There�s Still Time! ??

If you�ve been dreaming of owning your first home, now is the time to take action! ?? While the property market has seen changes, there are still plenty of opportunities for first home buyers in Australia. Whether you�re looking for your own place to call home or starting your property journey, there�s never been a better time to get the right support and guidance.

We specialise in helping first-time buyers navigate the often tricky world of mortgages. ?? From finding the best interest rates to understanding government grants and incentives, we�re here to make the process as smooth and stress-free as possible.

?? Key Benefits for First Home Buyers:
?? Access to First Home Owner Grants
?? Tailored mortgage options for your unique needs
?? Expert advice to guide you every step of the way

Don�t let the fear of navigating the market hold you back. With the right advice, your first home is within reach! Reach out to us today to start your journey towards homeownership.

?? Call us now to learn how we can help!

https://www.firsthome.gov.au

If you are planning to start a family - these financial tips will help.Are you managing a mortgage and starting a family...
16/12/2025

If you are planning to start a family - these financial tips will help.

Are you managing a mortgage and starting a family?

Many a new parent has been caught out realising our once organised calm life is a thing of the past when we bring our bundle of joy home. It's amazing how tiny babies can turn our household upside down.

We quickly learn that we need to be more flexible about when we eat, sleep, go to the shops and even have a shower.

It helps to be flexible in your financial life too when the impact of a reduced household income and the expense of a new addition to the family start to become apparent.

A little forward planning now can make it easier to focus on what's important later - your family.

Here is a guide with some ideas on how you can relieve the financial pressure of starting, or increasing, your family - Can you manage a Mortgage and a Baby?https://www.mortgageaustralia.com.au/email/files/amortgageandababy.pdf

Choosing the right type of loan is the first step.The first step in getting a low cost loan is choosing the right type o...
13/12/2025

Choosing the right type of loan is the first step.

The first step in getting a low cost loan is choosing the right type of loan.

There are various types of home loans, all offering different rates and features:

- Honeymoon and Intro Rate loans
- Basic or "No Frills" loans
- Standard Variable rate loans (usually good to avoid these in my opinion)
- Fixed Rate loans
- Equity and Line of Credit Loans
- Offset Home Loans
- Professional and Discount Home Loan packages
- Bridging Loans

For more details read my guide to "Choosing the right loan".https://www.mortgageaustralia.com.au/email/files/choosingtherightloan.pdf

Do you wish that your superannuation was growing as quickly as the value of your home?Did you know that you might be abl...
13/12/2025

Do you wish that your superannuation was growing as quickly as the value of your home?

Did you know that you might be able to use your superannuation to invest in real estate? Many Australians have started very lucrative property portfolios with a single purchase using their superannuation.

But how does it work?

Here is how to invest in property via a Self Managed Superannuation Fund (SMSF)

Step 1 - Set it up

The first step is to set up your Self-Managed Super Fund (SMSF), which will take some time and you will need to consult your Accountant or Financial Planner to get their input.

This option doesn't suit everyone so it's vital to make sure that investing in property through SMSF is the best fit for your personal situation.

Step 2 - Roll over your existing super

If you need to roll your super over into a SMSF, this could take a month or so. Don't go looking for an investment property to buy until you have your SMSF set up with the funds rolled over.

Step 3 - Look into Trusts

Ask your Accountant or Financial Planner about setting up a trust before you take out a loan for the investment property.

The idea is to set things up so that the loan is only secured against the investment property, rather than throwing your family home into the mix.

This way, if something unexpected happens and you can't repay your investment loan, you won't lose your own home too.

Step 4 - Know your limits

Usually when you borrow through a SMSF, the maximum loan amount is 80% of the purchase price, and remember that there will also be purchase costs involved, just like any other property transaction.

Step 5 - Go shopping

Now for the fun part - looking for a property to purchase.

Usually you can choose any sort of residential property to invest in, but make sure you spend plenty of time researching your options, considering the growth that you want to achieve and the sort of tenant you want to attract.

Make sure you shop with your ideal tenant in mind. (Don't look for single bedroom apartments near a university if you only want to rent to a retired couple - you might be barking up the wrong tree!)

Step 6 - Remember the rules

There are a couple of rules about investing in residential property through your SMSF.

Generally speaking, you and your family members cannot live in the property. So if you thought it would be a good idea to purchase an investment as a home for your daughter, you might need to investigate other options.

Secondly, you can maintain the property but you cannot improve it. There could be a few grey areas here (is painting consider improving or maintaining?) but obviously you won't be able to add a second level to the home, or replace the kitchen.

One little mistake that could ruin your life - and how to avoid it.There are so many things you need to organise when yo...
13/12/2025

One little mistake that could ruin your life - and how to avoid it.

There are so many things you need to organise when you purchase a property, and many buyers become quite overwhelmed with all of the paperwork, and coordinating their move.

Mistakes can be made, and you might be surprised if you knew how many people forget to do a thorough inspection before settlement.

By thorough inspection, I don't mean turning the lights on and off and looking for marks on the wall.

The biggest mistake that many buyers make at the last hurdle, is forgetting to measure the boundaries of the property to check that everything is correct.

You might think that this isn't really a big deal - who cares if the neighbour has a few centimetres of your back yard? Well sometimes it can make or break you financially, and cause an enormous amount of stress and conflict in your life.

Meet the Wilsons:

The Wilson family discovered the importance of checking boundaries when they moved from their 3 bedroom townhouse to a house with a big backyard in Fremantle last year. It was a hectic time for everyone, and it wasn't easy packing up the house with a baby and a toddler to think about.

When the Wilsons did their final inspection, everything looked to be in order. The vendors had left the house wonderfully clean which was very helpful. They even mowed the lawns and replaced some of the light bulbs. The couple had forgotten to borrow a measuring wheel but they took a couple of minutes to count their paces along the boundary line to see that the title was correct.

It wasn't until several months later that the family was confronted by their new neighbour on the left. He'd been measuring his block to get a planning permit through the council for a possible home extension.

In the process, he discovered that the Wilson's garage on the edge of their property was actually built over 1.5 metres of his land.

What followed was a lengthy legal battle which was expensive and stressful for all parties.

In the end, the Wilsons were forced to tear down one side of their garage and make alterations to reduce its size. They also had to remove and rebuild the fence along the left boundary of their property.

This is a great example of why it's so important to do your research when you buy a property, and avoid ending up in a similar situation.

With the festive season fast approaching, do you need a bit of extra cash but don't want to get stuck with high interes...
12/12/2025

With the festive season fast approaching, do you need a bit of extra cash but don't want to get stuck with high interest credit card debt?
Our team can help arrange a low rate personal loan, to help with your purchases this festive season.

Our partners offer a fast, simple, online application process and access to funds typically within 48 hours. Don�t delay, get in touch today!

Address

Osborne Park, WA
6017

Telephone

+61411737799

Website

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