Oren Mortgages

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Oren Mortgages

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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.

11/09/2026

What “ready to buy” actually looks like...

A question we hear often from first home buyers is:
“How do I know if I’m ready to buy?”

It’s a good question, because readiness isn’t just about saving a deposit.

In most cases, being ready to buy a home means:
• You have a deposit in place
• You’ve looked into government schemes you may be eligible for
• You have a rough purchase price or budget in mind
• Your income and expenses support a home loan

This is where many first home buyers feel unsure.

Not because they’re far off, but because they don’t have a clear view of how lenders assess their situation.

At Oren Mortgages, we specialise in helping first home buyers understand exactly where they stand.

If you’re unsure where you’re at, starting with the right information can make things clearer.

Download our First Home Buyer’s Guide to learn more.⬇️
https://www.orenmortgages.com.au/first-home-buyers-guide

11/08/2026

Why your bank might not show you your best option...

Most first home buyers start by speaking to their bank.

It feels like the logical first step.

But here’s what many people don’t realise.

A bank can only offer you their own home loan products. That means you’re seeing a limited view of what’s available.

A mortgage broker can assess your situation and compare options across 50+ lenders to find a loan that suits your needs.

For first home buyers, this can impact:
• Borrowing capacity
• Loan structure
• Interest rate options
• Long term flexibility

Buying your first home isn’t just about getting approved. It’s about choosing the right loan from the start.

At Oren Mortgages, we specialise in helping first home buyers understand their options clearly.

Download our First Home Buyer’s Guide to get started.⬇️
https://www.orenmortgages.com.au/first-home-buying-mortgage-broking-services

If you’re starting to explore your options, a good place to begin is understanding how the process works.

21/07/2026

Can I afford to buy a home in Perth, or am I not ready yet?

This is what most first home buyers are trying to figure out.

Many look at borrowing capacity alone, but that’s only part of the picture.

What a lender may approve doesn’t always match what feels comfortable once repayments, bills, and lifestyle are considered.

And when it comes to deposits, many assume 20% is required, which can delay plans without realising other options may exist.

Being “ready” isn’t just one number. It’s understanding:

• What you can realistically afford
• How lenders assess your situation
• Your deposit options
• What support or schemes may be available

Our First Home Buyer Guide (WA 2026) breaks this into a simple 6 step process.

Inside, you’ll learn:

• Borrowing capacity vs real affordability
• Setting a realistic purchase price in Perth
• Deposit options, even without 20%
• Government schemes for first home buyers
• What lenders look for before approval

If you’re unsure whether buying is possible right now, this is a practical place to start.

Download your First Home Buyer Guide⬇️
https://www.orenmortgages.com.au/first-home-buying-mortgage-broking-services

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.

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.

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.

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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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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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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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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Address

152 Street Georges Terrace
Perth, WA
6000

Website

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

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