Aaron Brewer - Mortgage Broker

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

The 4 liabilities quietly costing you the most borrowing power — ranked. #1 Credit card LIMITS (not balances): $15K limi...
16/10/2026

The 4 liabilities quietly costing you the most borrowing power — ranked.

#1 Credit card LIMITS (not balances): $15K limit = ~$75–90K less borrowing power
#2 BNPL facilities: even with $0 balance — the limit is the liability
#3 HELP/HECS debt: compulsory repayments reduce assessable income
#4 Car leases: monthly commitment assessed at stressed rate

'Most people fix the wrong one first.'

Which one surprised you? Save this before your next application. 📲

16/10/2026

Budget under $550K in Perth — here’s where I’d be looking right now.

A lot of first home buyers assume that budget locks them out of the market. It doesn’t — it just focuses the search.

Drop a comment or send me a message and I’ll tell you exactly which suburbs are worth looking at for your budget and what you can realistically expect to find there.

The Perth market still has options at this price point — you just need to know where to look.

Send me a message and let’s map it out.

15/10/2026

A guarantor loan lets a family member use their property equity to help you buy — here’s the basic breakdown.

Instead of saving a full deposit yourself, a guarantor — usually a parent — offers equity in their property as additional security. This can eliminate LMI and reduce the deposit you need to get in.

The key things lenders look at:

The guarantor’s property needs sufficient equity to cover the guarantee amount.
The guarantor’s own financial position can be assessed — they take on liability if you default.
Not all lenders offer guarantor loans — and the ones that do assess them differently.
The guarantee can often be released once you’ve built enough equity in your own property.

It’s a generous thing for a family member to do — and it needs to be understood clearly by everyone involved before committing.

Send me a message if you want to find out whether a guarantor loan is an option for your situation.

14/10/2026

The new rules have landed — and there’s a lot of noise around what they actually mean.

Watch this one if you own investment property or are planning to buy.

Send me a message if you want to talk through your specific situation.

13/10/2026

She owns 2 properties, earns $155K, and can't borrow another dollar. 📊

$155K PAYG + $52K rental income. Sounds strong on paper.

The problem:
→ Both IPs on P&I (not IO)
→ Rental income shaded to 70% at current lender
→ $25K in card limits
→ Cross-collateralised securities locking up equity

The fix: IO switch on IPs, close cards, separate the securities, new lender.

Comment 'SAME' if you've hit a servicing ceiling — I'll walk through the options. 👇

12/10/2026

Working out your usable equity is simpler than most people think.

Take 80% of your current property value. Subtract your existing loan balance. That’s what’s available to use.

The number might be bigger than you expect — and it could be the deposit for your next property.

Send me a message if you want to find out what yours looks like.

What the 5% Deposit Scheme actually covers — and the bits people keep getting wrong.✅ 5% deposit with no LMI✅ Income cap...
11/10/2026

What the 5% Deposit Scheme actually covers — and the bits people keep getting wrong.

✅ 5% deposit with no LMI
✅ Income caps: GONE
✅ Price caps apply by location
❌ Not available on all property types
❌ Prior ownership disqualifies you

Perth-specific price caps and examples in the carousel.

Save this — share it with a first home buyer who's confused about their eligibility. 📲

10/10/2026

Rate cuts mentioned late-2027. When they land, borrowing capacity lifts and competition floods back in.

The investors who'll do well when rates turn are the ones fixing their structure NOW — not when everyone else is scrambling to refinance and reposition at the same time.

The window between now and then is the one worth using.

Share this with an investor sitting on their hands waiting for the cut. 👇

09/10/2026

He earns $240K and the lender wouldn't go past $700K. This one's not about income.

Business owner. Problems:
→ Add-backs not applied
→ 2yr average dragging down assessable income
→ $40K equipment lease
→ IO investment loan at a weak servicing lender

$240K income. Wrong lender. Wrong presentation. Wrong outcome.

Comment 'SAME' if you're self-employed and hit this wall. 👇

Rentvesting is having a moment. Here's the honest case for AND against.For: buy where the numbers work, live where you w...
08/10/2026

Rentvesting is having a moment. Here's the honest case for AND against.

For: buy where the numbers work, live where you want. Perth units at 5.9% yield while you rent in Fremantle? The maths can work.

Against: no PPOR CGT exemption on the IP, lifestyle compromise is real, and it's not a hack — it's a trade-off.

Rentvesting — smart strategy or overhyped? Tell me your take. 👇

Address

226 Fulham Street, Cloverdale
Perth, WA
6105

Telephone

+61448811039

Website

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