Aaron Brewer - Mortgage Broker

Aaron Brewer - Mortgage Broker I’m Aaron 👋🏻 My goal is to help Gen Z and Millennials navigate the finance world 🌍

02/09/2026

Wanneroo has been a standout performer over the last few years — here's how the suburb has moved and what locals are actually seeing on the ground.

Drop a comment if you live in Wanneroo — want to hear your thoughts.

01/09/2026

You've got equity sitting in your property — here's exactly what the next steps look like to actually use it.

Send me a message if you want to work out your equity position and what's possible.

30/08/2026

Structure is the difference between scaling and stalling. The investor checklist before every purchase:

✅ Standalone security — no cross-collat
✅ IO on investment loans
✅ Offset on PPOR
✅ Right entity from day one
✅ Spread across lenders
✅ Leave borrowing headroom for the next move

Getting this right at purchase #1 makes #3, #4, and #5 possible.

Share this with an investor before they sign their next loan docs. 👇

29/08/2026

The question every young professional should ask before they turn 30:

"If I don't buy property — what does my wealth position actually look like at 35?"

Let me run the numbers out loud.

SCENARIO A — Buy at 28:
→ $600K Perth home today
→ 7-year hold to age 35
→ At 5% annual growth: value ~$845,000
→ Equity position at 35 (with consistent repayments): ~$280,000–$320,000
→ Platform for first investment property before 35

SCENARIO B — Wait until 32:
→ Same $600K home, but at 2032, that same property may be worth $780,000–$850,000
→ You now need $40,000–$42,500 deposit just to enter
→ 3 years of additional rent paid: $85,000–$95,000
→ Equity at 35: ~$50,000–$80,000
→ Investment property conversation pushed to late 30s at best

The numbers are not close.

This isn't about pressure. It's about what compound growth actually does when you start early vs start late.

Send this to a friend who keeps putting off buying — sometimes it takes seeing someone else's numbers. 👇

Hit a servicing ceiling? Here are the 3 lender strategies that open up your next move."You've been told you can't borrow...
28/08/2026

Hit a servicing ceiling? Here are the 3 lender strategies that open up your next move.

"You've been told you can't borrow any more." It's not always permanent — here's how to work through it.

STRATEGY 1: RESTRUCTURE DEBT ACROSS LENDERS
→ Not all lenders assess serviceability the same way
→ Some are more generous with rental income (counting 80% vs 70%)
→ Some have lower living expense floor assumptions
→ Moving existing debt to a different lender — or splitting across lenders — can unlock capacity
→ This requires a broker who knows the policy differences across the market

STRATEGY 2: REFINANCE TO A STRONGER SERVICEABILITY LENDER
→ If your existing loans are with a bank that has tight assessment policies, refinancing to a more investor-friendly lender can significantly improve your borrowing position
→ This is a common play for investors at property #3 or beyond

STRATEGY 3: REDUCE UNSECURED DEBTS FIRST
→ Personal loans, credit card limits, BNPL — all reduce serviceability
→ A targeted debt reduction plan (paying off the right liabilities first) can unlock more than people expect
→ Even reducing a $20K credit card limit can improve borrowing power by $100K+ in some cases

Most "you can't borrow anymore" assessments are lender-specific, not universal. A second opinion from a broker who works across the full market is often all it takes.

Save this — share it with an investor who's been told 'you can't borrow any more.' 📲

27/08/2026

DM Series ep.11 🧵

24yo graduate nurse. $78K salary. $22K savings. $35K HECS.
Question: what's actually possible in Perth right now?

Borrowing power: ~$380-420K post-HECS
5% Scheme on $400K: deposit = $20K
She's close. Very close.

Most people in this position think they're years away. Usually it's 6-12 months.

DM me your situation. I'll run yours. 👇

26/08/2026

Client came to me after a decline. The numbers weren't the problem.

He'd gone direct to his bank and explained the purpose of the funds in a way that triggered a more conservative assessment. The bank declined the cashout.

Here's what most people don't realise — how you present a loan purpose matters. Lenders assess cashout requests differently depending on intent, and the wrong explanation can close a door that was otherwise open.

We restructured the approach. Presented the equity release correctly with the right supporting narrative. Got the cashout approved.

Then moved to a separate lender for the investment purchase itself — keeping the securities clean and the structure right.

Two lenders. Clean structure. Deal done.

Rent vs buy in 2026 — the actual 10-year numbers for a $600K Perth home.Let's stop debating and just run the math.RENTIN...
25/08/2026

Rent vs buy in 2026 — the actual 10-year numbers for a $600K Perth home.

Let's stop debating and just run the math.

RENTING ($550/week, comparable property):
→ Annual rent: $28,600
→ 10 years: $286,000+ (assuming 3% rent increases)
→ Equity built: $0
→ Net wealth position at year 10: your savings minus total rent paid

BUYING ($600K, 5% deposit via First Home Guarantee):
→ Deposit: $30,000
→ Mortgage repayments (6.5%, 30yr, P&I): ~$3,164/month / ~$37,968/year
→ Yes — mortgage repayment is higher than rent initially
→ BUT: equity builds with every payment + capital growth
→ If the property grows at a conservative 5% per year:
→ Value at year 10: ~$977,000
→ Loan balance at year 10: ~$530,000
→ Equity at year 10: ~$447,000

NET WEALTH DIFFERENCE AT YEAR 10:
→ Renter: depends on what they did with the savings difference, but no property equity
→ Buyer: ~$447,000 in equity + potential capital growth still ahead

Renting is cheaper month-to-month. Buying builds wealth over time. These are different decisions.

Send this to someone who keeps saying renting is cheaper. Let the numbers speak. 📲

24/08/2026

Equity-backed investor: here's the conversation to have with your broker right now.

The 80% usable equity formula:
Property value × 80% − loan balance = usable equity

Example: $800K property, $420K loan → $220K usable equity → deposit for your next IP

Key rule: don't cross-collateralise. Release equity as standalone security only.

Share this with an investor sitting on equity but not using it. 👇

3 things that kill first home buyer applications — and exactly how to fix them before you apply.1. BNPL ACCOUNTS (Afterp...
23/08/2026

3 things that kill first home buyer applications — and exactly how to fix them before you apply.

1. BNPL ACCOUNTS (Afterpay, Zip, etc.)
The problem: lenders treat BNPL limits as liabilities, even if the balance is $0.
The fix: close all BNPL accounts at least 3 months before applying.
Borrowing power impact: each $1,000 BNPL limit can reduce borrowing power by ~$5,000–$6,000.

2. CREDIT CARD LIMITS
The problem: lenders assess the full credit card limit — not your balance — as a potential liability.
The fix: reduce your credit card limit to the minimum you actually need (or close it).
Borrowing power impact: a $10,000 credit card limit can reduce borrowing power by ~$50,000–$60,000.

3. HECS DEBT
The problem: compulsory HECS repayments reduce your assessable income, directly reducing borrowing power.
The fix: you can't make HECS disappear, but you CAN understand the impact upfront and choose a price point that works.
Borrowing power impact: $60K HECS at $80K income ≈ $38,000–$50,000 reduction in borrowing power.

None of these are dealbreakers — but all three together can reduce borrowing power by $100,000+.

Fix what you can, then apply with the right numbers.

Save this — send it to someone planning to apply in the next 6 months. 📲

Address

226 Fulham Street, Cloverdale
Perth, WA
6105

Telephone

+61448811039

Website

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