Robert Ghavam-Mortgage & Finance Broker

09/10/2026

🏡 OFFSET ACCOUNT vs EXTRA REPAYMENTS — Which Saves You More? 💰

Are you making the most of your home loan?

💵 Offset Account: Keep your savings accessible while reducing the interest calculated on your mortgage.

🏦 Extra Repayments: Reduce your loan balance, potentially save interest and pay off your mortgage sooner.

💡 Example:
Home Loan: $600,000
Offset Savings: $50,000
With a 100% offset, interest is generally calculated on just $550,000!

⚖️ Which is better?
It depends on your financial goals, loan features, fees and need for flexibility.

📞 Is your home loan working hard enough for you?

Let’s review your options and explore potential savings!

👨‍💼 Robert Ghavam
Senior Mortgage Broker & Finance Advisor
⭐ Over 20 years of finance experience in Australia

📱 0416 342 821
📧 [email protected]

General information only. Loan features, fees and conditions vary.

27/09/2026

📈 Want to Improve Your Credit Score?

A stronger credit profile can make a difference when you’re applying for a home loan, car loan or refinance.

Here are some practical ways to help improve your credit score:

✅ Pay bills and loan repayments on time
Late or missed payments may negatively affect your credit history.

💳 Keep credit card balances under control
Try to reduce outstanding balances and avoid relying heavily on available credit.

📉 Pay down existing debts
Reducing personal loans, credit cards and other debts can help strengthen your overall financial position.

🚫 Avoid making too many credit applications
Multiple credit enquiries within a short period can appear on your credit report.

🔍 Check your credit report regularly
Review your credit report for incorrect information and take steps to have genuine errors corrected.

📅 Build a positive repayment history
Consistent, responsible repayment behaviour over time can help strengthen your credit profile.

🏡 Thinking about applying for a home loan?

Before submitting an application, speak with Robert Ghavam – Senior Mortgage Broker to better understand your financial position and explore suitable lending options.

Your credit score is only one factor lenders may consider when assessing a loan application.

01/09/2026

Invest for your future.

09/08/2026

🏠 Is Your Home Loan Still Working for You?
Many Australians stay with the same lender for years without checking if they're still getting a competitive deal. A free Home Loan Health Check could help you: ✔ Save money ✔ Lower repayments ✔ Unlock equity ✔ Find better loan features

06/08/2026

💰 Refinance Today. Save More Tomorrow.
Could you be paying more than you need to?

Interest rates and your financial situation change over time. If you haven't reviewed your home loan recently, you may be missing out on a better deal.

We can help you:
✔ Reduce your monthly repayments
✔ Access the equity in your home
✔ Consolidate existing debts
✔ Find a loan that better suits your needs

One attractive refinance sentence:

"A smarter refinance today could save you thousands over the life of your loan."

Contact Robert Ghavam for a FREE Home Loan Review.

Robert Ghavam
Senior Mortgage Broker
20+ Years of Mortgage Lending Expertise
Trusted by clients for honest advice and tailored finance solutions

Helping Australians refinance with confidence and save more.

📞 0416 342 821

28/07/2026

🏡 Did You Know? Single Parents May Be Able to Buy a Home with Just a 2% Deposit

If you're a single parent or legal guardian, you may be eligible for the Family Home Guarantee Scheme, a government initiative designed to help more Australians achieve home ownership sooner.

Key Benefits
✅ Only a 2% Deposit Required
Eligible applicants may be able to purchase a home with a minimum 2% deposit.

✅ No Income Caps
There are currently no income limits under the scheme, making it accessible to more Australians.

✅ No Lenders Mortgage Insurance (LMI)
Eligible buyers can avoid paying LMI, helping reduce upfront costs.

✅ A Wide Range of Eligible Properties
The scheme can be used to purchase:

Houses
Townhouses
Apartments
House and land packages
Off-the-plan properties
Land to build your home (subject to eligibility and price caps)
✅ Government Support
The Australian Government provides a guarantee to participating lenders, making it easier for eligible buyers to enter the property market.

✅ No Waiting List
The scheme is available year-round, so eligible applicants can apply whenever they're ready.

Who May Be Eligible?
You generally need to:

🇦🇺 Be an Australian citizen or permanent resident.
🎂 Be at least 18 years old.
💰 Have saved at least a 2% deposit.
👨‍👧 Be a single parent or legal guardian of one or more dependent children.
🏠 Not own another property once your new home settles.
💬 Have you heard of the Family Home Guarantee Scheme before? Do you think more Australians should know about it? Share your thoughts below!

This post is for general information only. Eligibility criteria, participating lenders, and property price caps apply.

23/07/2026

04/06/2026

From saving on fuel costs to reducing your carbon footprint, choosing a sustainable ride could be a win for both you and the planet.

29/08/2025

Borrowing Power Difference
Following the recent RBA 0.25% rate cut, your borrowing power could receive a boost of over $10,000*. This means more homes, more choice, and more opportunity. Reach out to me today to explore your options: https://bit.ly/3ZRVx7W
*Calculation based on a $500,000 loan. Approved applicants only. Lending criterial apply. Liberty Network Services Pty Ltd ABN 65 151 158 628. Australian Credit Licence 408042.