Derek Joy's Loan Market

Derek Joy's Loan Market I am your local mortgage broker, specialising in residential, personal and business finance

Get Started Online:
https://my.loanmarket.com.au/c68cb5d2-5447-4d55-80da-7d084c744fd3 #/get-started

26/06/2025

Salary sacrificing can reduce your taxable income, potentially lowering your borrowing power as lenders assess your net income. However, some lenders may view certain salary sacrifice arrangements (like extra super contributions) more favourably if they can be ceased.

Chat with us to understand how your specific situation might be assessed.

An online calculator can help you get a feel for where you stand at the start of your property journey. But here's why t...
24/06/2025

An online calculator can help you get a feel for where you stand at the start of your property journey. But here's why talking to us can unlock even more potential:

💰 Unlock Hidden Borrowing Power: Different lenders assess your situation uniquely – that calculator might be underestimating what you can actually borrow (think thousands).
🧭 Navigate Complexity: We factor in your full financial picture – income types, debts, and even things like salary sacrificing – for a much more accurate assessment.
🏦 Access More Options: We know the ins and outs of over 60 lenders, finding you rates and features you might not find on your own.
➡️ Strategic Guidance: We're not just about numbers; we're about your goals, helping you choose the right loan structure for your future.

Get started here: https://broker.loanmarket.com.au/derek-joy/calculators-tools/borrowing-power-calculator/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

22/06/2025

You know what truly makes our day? That phone call when we get to say, "Your home loan is approved" 🎉

Seeing your excitement is our absolute favourite part of the job. Let us help you get that call.

Planning your special day? 💍 Research from ASIC's Moneysmart indicates that the average Australian wedding can range fro...
20/06/2025

Planning your special day? 💍 Research from ASIC's Moneysmart indicates that the average Australian wedding can range from $36,000 to a staggering $51,000 🤯

Such a significant expense can certainly put a strain on your finances. If you're dreaming of a truly memorable celebration without compromising your financial stability, exploring a personal loan might provide the solution you're looking for. Let's discuss how we can help make your dream wedding a reality.

https://broker.loanmarket.com.au/derek-joy/blog/6-ways-fund-wedding/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

Diversifying with property in Australia offers a tangible asset that historically has offered strong long-term growth po...
17/06/2025

Diversifying with property in Australia offers a tangible asset that historically has offered strong long-term growth potential. Even with evolving market dynamics, real estate can provide stability and opportunity. Let's explore how property can be a part of your investment strategy.

Send this to someone with big dreams. 🏗️✨Start your renovations off right with a loan that’s right for your project. Get...
10/06/2025

Send this to someone with big dreams. 🏗️✨

Start your renovations off right with a loan that’s right for your project. Get in touch today to get started.

Men's Health Week is a reminder that looking after ourselves comes in many forms. While we're here to help with your fin...
10/06/2025

Men's Health Week is a reminder that looking after ourselves comes in many forms. While we're here to help with your financial wellbeing, your mental and physical health are just as important. Take a moment this week to prioritise yourself. Support is always out there.

06/06/2025

While the internet offers general info, real answers lie in understanding your unique situation, possible fees and the current market.

Contact us today for personalised advice and to see if refinancing your home loan is the right move for you. Let's cut through the noise and find the right option. 📞

Do-nut settle for a loan that doesn't quite hit the spot this National Doughnut Day. We offer access to 60+ lenders to h...
05/06/2025

Do-nut settle for a loan that doesn't quite hit the spot this National Doughnut Day. We offer access to 60+ lenders to help you find a refinancing option that's a sweet upgrade.

Address

Seapeak Road
Perth, WA
6027

Telephone

+61412221417

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