Oren Mortgages

Oren Mortgages Lending solutions for professionals, business owners & investors. Credit Rep Number 572949 of Australian Credit Licence Number 384704.

Family Home Loans | Investor Loans | Commercial Finance | Car Finance
📍 Service Australia-wide | ABN 28 689 898 913.

Can I afford to buy a home in Perth… or am I really ready yet?We hear this all the time.And usually, people are trying t...
22/04/2026

Can I afford to buy a home in Perth… or am I really ready yet?

We hear this all the time.

And usually, people are trying to answer it by looking at borrowing capacity alone.
But that number doesn’t always tell you what repayments will feel like in real life… once bills, lifestyle, and everything else is factored in.

Then there’s the deposit.

A lot of first home buyers think they need 20% saved before they can even start.
So they hold off… sometimes longer than they need to.

What most people don’t realise is there may be more options available than they think.

In 2026, there are different pathways that can help with both affordability and getting into the market sooner, even with a lower deposit.

The hard part is knowing what applies to your situation.

We’ve put together a free First Home Buyer Guide (WA 2026) to help you understand:
• what you can realistically afford
• how lenders assess your situation
• what deposit options may be available
• what support and schemes exist

If you’re trying to figure out where you stand, this is a good place to start.
Comment "FIRST HOME" and I’ll send you the link.

Before you save another dollar, it’s worth pausing.Because for many buyers, saving isn’t the issue.It’s that their incom...
02/02/2026

Before you save another dollar, it’s worth pausing.

Because for many buyers, saving isn’t the issue.
It’s that their income hasn’t kept pace with the market, their goals, or the property prices they’re aiming for.

I see people working hard, being disciplined, doing everything they think they should be doing.
Yet their borrowing power barely moves.

Not because they’re doing something wrong.
But because no one has helped them step back and look at the full picture.

Income.
Borrowing capacity.
Strategy.

This is why we always start here.

If you want a simple way to get clarity on what’s actually holding you back, the Wealth Activation Checklist walks you through it step by step.

Comment WEALTH and I’ll send it to you.

Are you still holding onto the belief that you need to save a 20% deposit to buy your first home? ⁣⁣If so, it's time to ...
29/01/2026

Are you still holding onto the belief that you need to save a 20% deposit to buy your first home? ⁣
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If so, it's time to rethink that strategy.⁣
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The truth is, the market has shifted, and the old advice no longer applies. ⁣
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Government schemes, rising property prices, and tighter lending criteria have changed the game. ⁣
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Today, it's not about how much you can save, it’s about how much you can borrow.⁣
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So, what’s the real key to homeownership?⁣
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It's income growth and borrowing capacity. Lenders are now more focused on your ability to service a loan than how big your deposit is.⁣
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If you're ready to shift gears and take action toward building your property wealth, download my Wealth Activation Checklist. ⁣
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It’s your first step in creating a strategy that works for the market today, not yesterday.⁣
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🔑 Comment "WEALTH" to get started.





If you’re buying in Perth right now, pre-approval isn’t a nice-to-have. It’s the baseline.I’m regularly getting calls fr...
23/01/2026

If you’re buying in Perth right now, pre-approval isn’t a nice-to-have. It’s the baseline.

I’m regularly getting calls from real estate agents asking one question before a deal even moves forward:
“Is this buyer pre-approved?”

That’s because competition is high and sellers want certainty. Pre-approval tells them you’re serious, your numbers stack up, and you can actually settle.

For first home buyers, it creates clarity.
For upgraders, it can be the difference between being competitive or being overlooked, especially when “subject to sale” clauses are losing strength in this market.

What most people don’t realise is that strategy matters here.
Sometimes that means having your current home ready to sell quickly.
Sometimes it means structuring bridging finance properly.
And sometimes it means refinancing first so everything lines up.

There’s a lot to consider before you make an offer, and rushing this part can cost you leverage.

That’s exactly why I created the Wealth Activation Checklist.

It helps you understand your borrowing power, prepare properly, and make confident property decisions before emotions take over.

If you’d like a copy, comment WEALTH and I’ll send you the link.
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💸 Struggling to Choose the Right Home Loan in Perth?⁣⁣The wrong choice could cost you thousands.⁣⁣When it comes to home ...
21/01/2026

💸 Struggling to Choose the Right Home Loan in Perth?⁣
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The wrong choice could cost you thousands.⁣
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When it comes to home loans, there are so many options: variable rate, fixed rate, or a split loan. ⁣
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But which one is right for you?⁣
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Here’s what you need to know:⁣
✔️ Variable rate loans offer flexibility, with extra repayments and potential savings if rates drop. But keep in mind, rates can rise too.⁣
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✔️ Fixed rate loans give you certainty, locking in your repayments and protecting you from rate rises. However, you might miss out if rates fall.⁣
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✔️ A split loan gives you the best of both worlds - stability on part of your loan and flexibility on the other, but it can be more complex to manage.⁣
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Your choice depends on your financial goals, risk tolerance, and need for flexibility. ⁣
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The right loan could save you thousands in the long run, but the wrong one could cost you.⁣
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Want more clarity on your borrowing power?⁣
✨ Download the free Wealth Activation Checklist to better understand your finances and make confident property decisions.⁣
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🔗Comment "WEALTH" and I'll send you the link.⁣
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Disclaimer: The content here is for general information only and does not constitute financial advice. For personalised advice, consult a qualified mortgage broker or financial advisor.⁣
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2026 is your year to take control of your property journey in Perth. ⁣⁣With the market changing, now’s the time to act. ...
16/01/2026

2026 is your year to take control of your property journey in Perth. ⁣
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With the market changing, now’s the time to act. ⁣
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Whether you're buying your first home, upgrading, or starting a property portfolio in Perth, having a clear plan is essential.⁣
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The Wealth Activation Checklist gives you a simple, actionable guide to get started -assess your borrowing power, create a strategy, and move forward with confidence.⁣
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Start now. ⁣
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Get clarity. ⁣
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Take the first step towards property success in Perth. 💪⁣
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Download your free checklist now.⁣
Comment "WEALTH" and I'll send you the link.
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2026 doesn’t need to be another year of “I’ll start later.”⁣⁣⁣If you’re in Perth and you’ve ever felt behind with money,...
12/01/2026

2026 doesn’t need to be another year of “I’ll start later.”⁣
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If you’re in Perth and you’ve ever felt behind with money, unsure where to begin, or overwhelmed by financial advice - you’re not alone. ⁣
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Most people aren’t bad with money.⁣
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They just never had a clear starting point.⁣
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Real financial confidence isn’t about doing everything perfectly. ⁣
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It’s about building simple habits that actually fit your life.⁣
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That’s exactly why I created the Wealth Activation Checklist - a practical, easy-to-follow guide to help you:⁣
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• Understand your money⁣
• Build better habits⁣
• Create a clear direction⁣
• And start feeling confident again⁣
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No jargon. No pressure. Just clarity.⁣
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If 2026 is the year you want to feel in control, this is your first step.⁣
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👉 Download the free Wealth Activation Checklist via the link in bio.⁣
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Struggling to upgrade with rising property prices? ⁣⁣⁣If you’ve owned a home before but feel stuck due to high deposits,...
08/01/2026

Struggling to upgrade with rising property prices? ⁣
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If you’ve owned a home before but feel stuck due to high deposits, there’s a way to enter the market sooner.⁣
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Ubank’s new 10% deposit, no-LMI loan lets you upgrade with far less upfront cost, saving you up to $175,000 compared to traditional 20% deposits.⁣
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Here's the best part:⁣
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- Buy with just 10% deposit⁣
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- No Lenders Mortgage Insurance (LMI)⁣
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- Access loans up to $2 million with 90% LVR⁣
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For some, $60,000 upfront can get you into a $450,000 property.⁣
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Whether you’re cash poor or not eligible for first-home schemes, this is your opportunity to upgrade sooner without waiting years to save a large deposit.⁣
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Get the flexibility you need and access better rates as you build equity and your LVR drops below 80%. ⁣
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Plus, this loan gives you the freedom to make your next move quicker and with less stress.⁣
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Want to explore your upgrade options further?
Download the FREE Wealth Activation Checklist and get a step-by-step strategy for your property journey.

Comment "WEALTH" and I'll send you the link.

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Save this post for later and start planning your next move today!
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05/01/2026

Think brokers just process paperwork? Let’s set the record straight. 🔑⁣
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At Oren Mortgages, we do much more than that. We focus on building your financial ecosystem, not just securing loans. ⁣
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Here’s what we really do:⁣
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✔️Collaborate with your real estate agents to ensure a seamless property journey.⁣
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✔️Provide wealth planning and mapping tools to help you see the bigger picture of your financial future.⁣
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✔️Deliver suburb reports that give you the clarity and confidence to make informed property decisions.⁣
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✔️Connect you with trusted builders and professionals to support every step of your journey.⁣
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Oren Mortgages isn’t just about transactions - it’s about transformation. We partner with you to create wealth, security, and a strategy that lasts well beyond settlement.⁣
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Ready to take the next step?
Download the FREE Wealth Activation Checklist now!
Link in bio.
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23/12/2025

2025 goals? ✅ Achieved!⁣
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As a new-to-industry mortgage broker, it’s all about helping people make smart financial decisions and avoiding the “Uncle Gary” advice. 😅⁣
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Who else has a 2025 goal list that’s already looking great? 🙌⁣
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Address

152 Street Georges Terrace
Perth, WA
6000

Website

https://www.orenmortgages.com.au/wealth-activation-checklist

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