Chris Moore - Home Loan Consultant

Chris Moore - Home Loan Consultant Making the home purchase and refinance process simple. Get in touch today to have a chat.

16/04/2026

Brokers get paid twice: upfront when your loan settles and then a trailing commission every single month for as long as that loan exists. So, the bank's paying us to keep looking after you. That's the deal.

Except a lot of brokers don't see it that way. They bank the trail and disappear. You might get a birthday email. Maybe. And then two years later, they resurface because they want to refinance you and earn another upfront.

I hear this story constantly from new clients. "We've got a broker but we haven't heard from him in ages." It's almost word-for-word every time.

The trail isn't free money. It was never meant to be. In my latest video I explain what it's actually supposed to pay for and what to expect if your broker's doing their job right 👉 https://youtu.be/n7K2aUkf4Qw

14/04/2026

I've been in this industry long enough to see how the sausage gets made and honestly some of it isn't pretty. There are brokers doing genuinely great work for their clients and there are brokers collecting trailing commissions like passive income while their clients sit there wondering why nobody's picked up the phone.

$200 million in settled loans later, I've got a pretty clear picture of which camp is which.

This video isn't a hit piece on brokers. I am one. But I think if you're trusting someone with your biggest financial commitment, you deserve to know how the industry actually works, not the version we tell you in the first meeting.

Watch the full video 👉 https://youtu.be/n7K2aUkf4Qw

Then ask your broker the questions at the end. Their answers will tell you everything you need to know 😉

19/03/2026

Just a reminder that if the budget is feeling a little tight with recent rate increases it’s not necessarily the increase in repayments which is the killer, but it might be a good indication that your discretionary spending has increased.

Review your bank statements and budget to see if things are a little more loose than they can be.

17/03/2026

If you’re a parent wondering how your kids are ever going to afford to buy property…

You’re not alone.

It’s one of the most common conversations I have at the moment.

The good news is — there are practical ways you can help.

The first is through gifted funds.

With schemes like the Home Guarantee Scheme, your kids may only need a 5% deposit, not 20%.

Which means helping them could be far more achievable than you think.

The second option is using a security guarantee.

This allows you to use equity in your own home to support their purchase…

Without needing to provide cash upfront.

Both strategies can help them enter the market sooner.

But they need to be structured properly.

Because getting it wrong can have long-term implications for both you and your kids.

If this is something you’ve been thinking about, it’s definitely worth getting advice before making a move.

13/03/2026

Meet Jim and Sarah.

First home ✔️
Next goal: an investment property.

The secret that gets them there? Equity.

Once you understand how it works, the path from one property to two gets a lot clearer 👉https://youtu.be/6ZFTwA4qcuQ

Winning The Adviser Australian New Broker of the Year in under two years was an incredible honour.But the truth is the a...
11/03/2026

Winning The Adviser Australian New Broker of the Year in under two years was an incredible honour.

But the truth is the award was never the goal.

From day one my focus has been simple — show up for clients, understand their goals, solve problems others couldn’t, and deliver on what I say I’m going to do.

Mortgage broking today is about far more than finding the lowest rate.

It’s about strategy, structure, and helping people make better financial decisions for the long term.

Thank you to every client who has trusted me to guide them through one of the biggest financial decisions of their life.

And thank you to everyone who has supported me along the way.

If you’re looking for a broker who thinks beyond just the loan itself, I’d love to help.

Story 📰: https://www.theadviser.com.au/broker/46099-winners-of-the-australian-broking-awards-2024-revealed

Winning The Adviser Australian New Broker of the Year in under two years was an incredible honour.But the truth is the a...
11/03/2026

Winning The Adviser Australian New Broker of the Year in under two years was an incredible honour.

But the truth is the award was never the goal.

From day one my focus has been simple — show up for clients, understand their goals, solve problems others couldn’t, and deliver on what I say I’m going to do.

Mortgage broking today is about far more than finding the lowest rate.

It’s about strategy, structure, and helping people make better financial decisions for the long term.

Thank you to every client who has trusted me to guide them through one of the biggest financial decisions of their life.

And thank you to everyone who has supported me along the way.

If you’re looking for a broker who thinks beyond just the loan itself, I’d love to help.

Story here: https://www.theadviser.com.au/broker/46099-winners-of-the-australian-broking-awards-2024-revealed

11/03/2026

Everyone thinks you need to save another massive deposit to buy a second property… but that’s not actually how most people do it. 👀
If you already own a home, there’s a good chance the “deposit” for your next one might already be sitting there 👉 https://youtu.be/6ZFTwA4qcuQ

11/03/2026

One thing that can quietly destroy your borrowing capacity?

High expenses on your investment property.

Here’s why.

When you’re self-employed and apply for a home loan, the bank will usually assess your tax returns to determine your income.

That means every expense you claim on your investment property gets taken into account.

So if your property genuinely costs $5,000 per year to run…

But your tax return shows $10,000 per year in expenses…

The bank wont question the deductions.

They will simply apply the higher expenses moving forward.

And higher expenses means lower borrowing capacity.

Which can make it much harder to buy your next property.

For self-employed investors, it’s not just about tax outcomes.

It’s also about how your financials look to a lender.

Because sometimes the expenses you claim today can limit the borrowing power you need tomorrow.



Disclaimer: The information provided is general in nature and does not take into account your objectives, financial situation or needs. You should seek independent financial, tax or legal advice before acting on any information shared.

06/03/2026

Debt recycling is one of the most misunderstood strategies in property investing.

At its core, it’s simply about converting non-deductible debt into deductible debt.

Using a simple example:

• Home loan: $600k
• Savings: $100k
• Investment property: $500k

Most people would use the $100k savings as the deposit.

Result:

Home loan → $600k
Investment loan → $400k
Deductible debt → $400k

But with debt recycling:

• The $100k is first used to reduce the home loan
• Then re-borrowed as an investment loan split
• And still used as the property deposit

Result:

Home loan → $500k
Investment loans → $500k
Deductible debt → $500k

Same total debt.

Different structure.

Debt recycling isn’t about borrowing more — it’s about structuring your debt more efficiently when you invest.

⚠️ Always seek personalised tax and financial advice before implementing strategies like this.

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