Thomas Balnaves - Mortgage & Finance Broker

24/02/2026

Could probably have been done cheaper, could also have been more expensive.
We are happy with the cost, not much we would change! Besides how long it takes….

04/02/2026

02/02/2026

31/01/2026

At the core they are all the same.
Their is only 2 ways you can pay your mortgage off.

30/01/2026

Definition of insanity is to do the same thing and expect a different result.

04/12/2025

WA home buyers are going to need to help each other in 2026,

The market isn’t getting easier, especially for people trying to upgrade.

And honestly, upgrading is harder than buying your first home.

First home buyers just want a house.

Upgraders know what they want — and usually, their current house no longer fits their life.

- Your family grows.

- Your equity grows.

- Your lifestyle changes.

Suddenly the home you bought a few years ago just doesn’t work anymore.

So you think, “Alright, I’ll just sell and upgrade.”

Perfect lots of buyers around.

But the moment you go subject to sale, agents and sellers look the other way because there are stronger offers on the table. (More favorable terms at least)

Here’s the real issue:

If nobody accepts subject-to-sale offers… the whole market slows down.

Upgraders can’t move.

First home buyers lose opportunities.

And stock levels get even tighter.

Maybe it’s time we look at incentives for sellers to accept subject-to-sale offers.

A “1 out, 1 in” flow that helps both upgraders and first home buyers take their next step.

WA needs more solutions.

If you’re looking to upgrade, you need to be crystal clear on your options.

If you want the numbers laid out properly, send me a message and I’ll walk you through it.

24/10/2025