Aaron Brewer - Mortgage Broker

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

02/06/2026

For most people June is just the end of the financial year.
For self-employed borrowers and investors — it's the most important month on the calendar.

Your FY25 financials are being finalised right now. How your income is presented in those returns directly affects what lenders will assess you on for the next 12 months.

If you're self-employed — now is the time to talk to your broker and accountant together. Add-backs, trust distributions, and business income need to be structured correctly before the return is lodged. You can't fix it after.

If you're an investor — your equity position, IO expiry dates, and loan structure should be reviewed before July resets the clock.
The decisions made in June follow you into FY26 and beyond.

Send me a message this week if you want to make sure the right conversations are happening before 30 June.

02/06/2026

4.35% cash rate. Here's what that actually means if you're an investor — beyond just the repayment number.

Serviceability is being assessed at roughly 8% - 9%. That's the buffer lenders apply on top of the actual rate around 6%. It's why borrowing capacity feels tighter than your cashflow suggests it should be.

IO repayments are higher than they were two years ago — which means cashflow on existing properties needs to be reviewed, not assumed.

Refinancing to a sharper rate matters more now. A 0.3% difference on a $600K investment loan is real money annually — and it compounds across a portfolio.

Fixed rate rollovers are active. Investors who locked in at sub-3% are now hitting the market rate. If that's you — the structure conversation needs to happen before the rollover, not after.

The rate environment isn't going to stop investors who are positioned correctly. But it will expose ones who aren't.

Send me a message if you want to review how the current rate is sitting across your portfolio.

01/06/2026

The last few weeks haven't been easy for investors.

Proposed negative gearing changes. Rate uncertainty. Budget noise. A lot of moving parts.

But here's what I keep seeing — the investors who are serious about building wealth aren't sitting on the sideline waiting for clarity. They're getting informed, reviewing their position, and moving with intention.
Market conditions change. The goal doesn't.

If you're committed to building wealth through property and want to understand exactly how the finance side works — download my free Property Investor Finance Guide via the link in my bio.

Everything you need to know about equity, structure, borrowing capacity, and building a portfolio that lasts.

31/05/2026

May 2026 saw some of the biggest changes in housing, property and lending! Here’s a quick recap 👇

30/05/2026

A 0.1% better rate saves you a few hundred dollars a year.

The wrong loan structure can cost you your next property.
Cross-secured loans that limit your flexibility. P&I on investment debt that kills your cashflow. The wrong lender that caps your serviceability before you're ready to stop.

Rate is easy to compare. Structure takes a conversation.

The brokers who lead with rate are selling you something simple. The ones who lead with structure are building something that lasts.

Send me a message if you want to talk structure — not just rate.

29/05/2026

Perth leading national price growth sounds like good news — but it's the question that comes after that matters.
Have we missed it?

Here's my honest take.
The fundamentals driving Perth haven't changed. Population growth, undersupply, infrastructure spend, and interstate migration are all still in play.
But buying in a rising market requires more discipline — not less. Yields compress.

Entry prices are higher. Cashflow needs to be modelled carefully.
The opportunity isn't gone. But the era of buying anything and watching it grow is over. Strategy and structure matter more now than they did two years ago.

Send me a message if you want to work out whether Perth still makes sense for your next purchase.

The first home buying process doesn't have to feel overwhelming. Here's the roadmap:Step 1 — Save your deposit and under...
28/05/2026

The first home buying process doesn't have to feel overwhelming. Here's the roadmap:

Step 1 — Save your deposit and understand your upfront costs — not just the minimum deposit.
Step 2 — Get pre-approved before you start looking — know your real number before you fall in love with a property.
Step 3 — Find the right property — location, growth potential, and what suits your lifestyle.
Step 4 — Make your offer — with pre-approval in place you can move with confidence.
Step 5 — Settlement — contracts finalised, keys in hand, done.
Simple in structure. A lot easier with the right guidance.

Send me a message if you want to map out where you're starting from.

27/05/2026

Episode 3. This one came in as a DM.

32 years old. Self-employed. $120K income. One year ABN. $60K equity sitting in the PPOR.

On the surface — looks workable. Here's what the assessment actually showed.
Most lenders want two years of self-employed income. With one year, the options narrow fast.
The $60K equity was real but usable equity of 60k doesn't go far in this market..

A handful of lenders will work with one year ABN — but the income needs to be presented correctly.

Self-employed doesn't mean unbankable. It just means you need the right broker.

Send me a message if your situation looks anything like this.
Next topic whenever you're ready.Sonnet 4.6

26/05/2026

With all the changes to the proposed Negative Gearing the banks had come out and started advising that gearing could NOT be factored in for new purchases until they redo the calculators.

Well the first one has just dropped! The changes are better than before but still need to be wary. If you are an investor navigating these changes feel free to reach out!

The 7 mistakes I see property investors make — and what to do instead:Cross-securing properties — gives the bank control...
26/05/2026

The 7 mistakes I see property investors make — and what to do instead:
Cross-securing properties — gives the bank control. Use standalone securities.

Buying without a 3-5 year strategy — every purchase should set up the next one.
Overleveraging — just because you can borrow doesn't mean you should.
Ignoring cash buffers — investors need liquidity. Minimum 3 months expenses.
Focusing only on rate — structure beats rate every time.
Not reviewing the portfolio annually — equity moves, markets change, your strategy should too.
Not using the right professionals — broker, accountant and buyer's agent need to be aligned.

Most of these are fixable. But you need to know which ones apply to you first.
Send me a message if you want to run through your current setup.

Address

226 Fulham Street, Cloverdale
Perth, WA
6105

Telephone

+61448811039

Website

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