Aaron Brewer - Mortgage Broker

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

The first property gets you started. The second builds momentum. The third is where everything changes.By the third purc...
24/06/2026

The first property gets you started. The second builds momentum. The third is where everything changes.

By the third purchase — serviceability is tighter, lender selection matters more, and the order you do things in starts to have real consequences.

But it's also where the portfolio effect kicks in.
Multiple income streams. Equity building across more than one asset. The ability to cross-fund growth without cash out of pocket.

The investors who navigate this well don't just have more properties — they have a structure that keeps the door open for the next move.
Getting to three isn't just about buying again. It's about making sure purchases one and two were set up to allow it.

Send me a message if you want to map out what the path to property three actually looks like for your situation.

23/06/2026

Episode 6. This one is for every 26 year old who thinks they're not ready yet.
26 years old. $72K salary. $18K in savings. $5K outstanding across BNPL accounts.

Here's what the numbers actually showed.

Borrowing capacity.
Sitting between $380K and $420K depending on the lender and how the BNPL is treated.
$5K across Afterpay, Zip, or Klarna doesn't sound like much. But lenders treat the limit as a liability.

The First Home Guarantee.
$18K in savings is enough. At 5% deposit on a property around $360K — the numbers work. No LMI under the scheme. Government acts as guarantor.

After clearing the BNPL — borrowing capacity moves to the stronger end of that range. $18K covers the deposit and most of the entry costs on a sub-$400K purchase.

You're closer than you think.

DM me your situation and I'll run yours.

22/06/2026

One week to 30 June.
The office is busy. Phones are on. Reviews are happening.

Here's what's crossing my desk right now.

- Investors checking equity positions before the financial year resets.
- Clients rolling off fixed rates wanting to know their options before July.
- Self-employed borrowers getting financials in order so FY26 returns can be lodged and assessed quickly.

- First home buyers trying to lock in pre-approval before new financial year.

One week is still enough time to start a conversation — just not enough to leave it any longer.

Send me a message if there's something you've been meaning to sort and haven't yet.

21/06/2026

The national property market doesn't exist. Three cities. Three completely different stories right now.

Perth — Propertyology and Cotality are forecasting 13% price growth in 2026. Vacancy tight. Supply lagging. Population growing. The fundamentals are still running strong.

Sydney — growth has softened. Affordability is stretched. Yields are thin. Entry prices are high enough that borrowing capacity becomes a real ceiling for most buyers.

Melbourne — the most subdued of the three. Prices have corrected in some segments. Investor sentiment is cautious. Land tax changes have pushed some investors to the exit.

If you're an investor looking at where capital and cashflow are most likely to align right now — the comparison matters.

Send me a message if you want to talk through your next purchase decision.

Christmas settlement is closer than it feels. If that's your goal — here's what needs to happen now.> Check your credit ...
20/06/2026

Christmas settlement is closer than it feels. If that's your goal — here's what needs to happen now.

> Check your credit score — find out where you stand before a lender does.
> Close unused credit cards and BNPL accounts — they're reducing your borrowing capacity right now.
> Get 3 months of clean bank statements — lenders look at spending patterns, not just income.
> Book a borrowing capacity assessment — know your real number before you start looking at properties.
> Get pre-approved — in this market, making an offer without pre-approval puts you behind everyone who has it.

The buyers who settle before Christmas aren't the ones who start thinking about it in October. They're the ones who start moving now.

Send me a message if you want to map out what getting there actually looks like for your situation.

19/06/2026

POV: It's June 19 and a client just asked me to get their finance ready for 30 June.

Self-employed. FY26 financials not lodged yet. Looks like a dead end — but it isn't.

Here's what most people don't know.
Some lenders will assess self-employed borrowers on drafted financial figures for the upcoming financial year. Not lodged. Not finalised. Drafted — prepared by their accountant ahead of lodgement.

That means a business owner with a strong FY26 result doesn't have to wait until August or September when the return finally gets lodged and processed.

The drafted figures go to the lender. The income gets assessed. The application moves.

It's not available with every lender and it requires the right broker to know where to go — but it exists.

If you're self-employed and assumed the EOFY window was closed for you — it might not be.

Send me a message today if you want to find out whether this applies to your situation.

The new financial year is right around the corner. 🗓️ It’s the perfect time to set your property and finance goals for ...
19/06/2026

The new financial year is right around the corner. 🗓️

It’s the perfect time to set your property and finance goals for the next 12 months.
We can help you with a range of lending services, including:
-Reviewing your current home loan
-Upgrading your car
-Purchasing a new vehicle.
Book an appointment today to start the new year on the right financial foot.

18/06/2026

Two weeks left in the financial year.

If you haven't looked at your investment loan structure yet — this is the window.

IO period expiring? Get ahead of it before it rolls to P&I without a plan.
Equity sitting idle? Find out if it's usable before July.
Still with the same lender from 3 years ago? Rates and policies have moved — your structure may not be optimal anymore.

Depreciation schedule in place? If not, you're leaving a deduction on the table again this year.
The investors who use this fortnight well go into FY27 with a clear position and a plan.

The ones who don't — same structure, same constraints, same conversation this time next year.

Send me a message if you want to run through your portfolio in the next two weeks.

17/06/2026

380,000 homes short by 2030.

That's not a headline number. That's a structural supply problem with a timeline attached to it.

Here's what it means in practice.
Demand isn't slowing — population growth, migration, and household formation are all running ahead of new supply.

Builders can't close the gap fast enough. Construction costs, labour shortages, and approval timelines mean new supply is lagging well behind the forecast need.

Price pressure doesn't resolve itself in that environment. It compounds.
For first home buyers — every year of waiting is a year the gap between your savings and the purchase price has the potential to widen.

For investors — undersupply doesn't just support prices. It supports rents, reduces vacancy risk, and strengthens the long term hold case.

The data isn't telling you to panic buy. It's telling you that inaction has a cost — and that cost gets clearer every time a new forecast lands.

Send me a message if you want to talk through what this means for your timing.

12 months ago looked different. Here's what's actually changed in how I work.Lender selection is more strategic. With se...
16/06/2026

12 months ago looked different. Here's what's actually changed in how I work.

Lender selection is more strategic. With serviceability tighter, which lender you go to first — and in what order — matters more than it ever has.

Structuring conversations happen earlier. Clients who want to buy property number two or three need the first loan set up with that in mind from day one.

More self-employed clients need solutions. The volume of business owners and contractors who don't fit the standard PAYG mould has increased significantly.

Portfolio reviews are more frequent. Equity has moved. Rates have shifted. A structure that made sense 12 months ago isn't always optimal today.

The lending environment rewards preparation. The brokers who are thriving right now aren't doing more — they're doing it more deliberately.

Follow along if you want to stay across what's actually happening in the market.

Address

226 Fulham Street, Cloverdale
Perth, WA
6105

Telephone

+61448811039

Website

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