Home Loan Village

Home Loan Village Book an obligation free meeting: https://calendly.com/homeloanvillage/30min He prides himself on his integrity, empathy and time management skills.

Our clients have the benefit of working with an experienced mortgage adviser who has built a reputation for providing a high level of communication and proactive customer service.

“My focus is on keeping my clients informed at every stage of the home loan process to ensure it’s a fuss and stress-free experience.”

“I always do what I say I will do. If any issues arise, which they inevitably do, I

deal with them immediately and my clients can take comfort in the fact that I’m only ever a phone call away.”

“My clients know I’m in their corner and that I won’t rest until the desired outcome is achieved – I think that’s vital in a mortgage adviser-client relationship.”

Aaron's experience as a financial adviser and mortgage broker is complemented by his easy going nature and ability to achieve results in a timely fashion. We are able to assist all types of borrowers, particularly those wanting to start or grow their investment property portfolio. We offer a fully mobile service throughout metropolitan Sydney.

08/09/2026

Spring's here and everyone reckons it's all about selling. But most people I talk to just want to know if their loan's still any good.

Rates have moved a fair bit since a lot of you locked in. Might be worth a look, might not. Either way I'll tell you straight.

Reach out so we can run your numbers.

Most people put off getting their place valued for one reason: the idea of someone from the bank walking through the hou...
01/09/2026

Most people put off getting their place valued for one reason: the idea of someone from the bank walking through the house taking photos.

That's not really how it works anymore. A lot of valuations happen without anyone setting foot inside. No credit check. You don't even have to be applying for anything.

And that matters right now, because a fair few homes around NSW have shifted in value over the last couple of years. The number your bank had at settlement might be well out of date.

A higher valuation can mean a better rate - or enough equity to do the reno instead of moving.

No pitch. If yours hasn't been looked at in a while, jump on a call and we'll see where you stand.

Bit under 6 in 10 Sydney homes sold at auction over the weekend. This time last year it was closer to 8 in 10.That gap i...
25/08/2026

Bit under 6 in 10 Sydney homes sold at auction over the weekend. This time last year it was closer to 8 in 10.

That gap is the whole story right now. Fewer bidders fighting it out means if a place passes in, there's often still room to negotiate afterwards without the auction-day pressure. And with more listings coming as spring kicks off, there's more to choose from too.

No pitch. If you want to work out where you sit before it gets busy, my Calendly's there.

Start of the week, and the spring listings are about to ramp up. More places hitting the market over the next few weeks ...
24/08/2026

Start of the week, and the spring listings are about to ramp up. More places hitting the market over the next few weeks than we've seen in a while.

That's good if you're buying. More to choose from, less pressure to jump at the first thing. Rates haven't moved so the borrowing side's the same, but there's more room to move than there was last year.

No pitch. If you want to know where you actually stand before it gets busy, my Calendly's there whenever.

Things I say in every first chat:"Let's start with what you actually want, not what the numbers say you can have."Borrow...
04/08/2026

Things I say in every first chat:

"Let's start with what you actually want, not what the numbers say you can have."

Borrowing capacity matters. But I've had plenty of people qualify for way more than they'd ever be comfortable repaying - and the loan that looks good on paper isn't always the one that lets you sleep.

So the first question isn't "how much can you borrow." It's "what does a repayment look like that still leaves room for a life."

We work backwards from there.

You'll see this line on every rate ad, every comparison site, every pre-approval email.It looks like fine print. It's ac...
22/07/2026

You'll see this line on every rate ad, every comparison site, every pre-approval email.

It looks like fine print. It's actually the most useful part.

An advertised rate is built around a particular borrower profile - a certain deposit size, a certain credit history, a certain income structure. It's a real rate for the people who fit that profile. The line just flags that the lender needs to look at your actual situation before they can tell you where you land.

Your HECS, an existing car loan, how your income is structured - all of it factors in, and every lender weighs it slightly differently. That's why two people can apply for the same product and get different answers.

So the headline number isn't a quote. It's the start of a conversation.

If you want to know what you'd actually be approved for, that's what I'm here for.

📩 Send me a message.

13/07/2026

Does anyone still make explainer videos standing in front of a whiteboard? Apparently I do.

It's a bit cheesy, I'll give you that. But if nobody's ever actually sat you down and explained what equity is, this two minutes will do more for you than any amount of scrolling.

Because "equity" gets thrown around constantly and rarely explained. Short version: it's what your place is worth minus what you owe. But that's not the number a lender hands you, and the number they'd hand you isn't always the one you should take.

I go through the three figures that actually matter - including the one most people never hear about. Have a watch, cheesy whiteboard and all.

Free 30-minute discovery call if you want yours mapped out properly. Link in bio.

08/07/2026

Been told you can’t refinance, even to a cheaper loan? This is probably why:

Lenders test your application at around 3% above the actual rate. Sounds sensible until it traps people in loans they could easily afford to leave.

Some lenders now assess refinances at just 1% above instead. Conditions apply - 12 months of clean repayments, good credit, cheaper loan, no extra borrowing. But for a lot of people it’s the way out.

If you’ve hit the wall before, ask again. Things have changed.

If you've tried to refinance lately and been knocked back, this might be why.When lenders assess your application, they ...
08/07/2026

If you've tried to refinance lately and been knocked back, this might be why.

When lenders assess your application, they don't test it at the actual interest rate - they add a buffer on top, usually around 3%. So even if the loan you're moving to is cheaper than the one you're on, on paper it can look like you can't afford it.

You're stuck paying more and can't move. That's what people mean by mortgage prison.

The good news: a few lenders now assess refinances at just 1% above the rate instead. There are conditions:

✅Generally 12 months of on-time repayments,
✅Clean credit record, the new loan has to be cheaper, and
✅No borrowing extra on top.

Not every lender, not every scenario. But if you've been told no before, it's worth another look.

Send me a message and I'll tell you pretty quickly whether you're close.
**Not financial advice.

Thanks to everyone who's taken the time to leave a review. It means a lot and it's how most people end up finding us in ...
29/06/2026

Thanks to everyone who's taken the time to leave a review. It means a lot and it's how most people end up finding us in the first place.

Address

1 Hillcrest Road
Pennant Hills, NSW
2120

Opening Hours

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

Telephone

+61291884492

Website

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