Scot Henderson Mortgage Broker

Scot Henderson Mortgage Broker Hi, I'm Scot - I'm here to help you navigate your way through finance!

TIME TO CHECK YOUR RATE ⏰While you have some down time this long weekend, it’s a great opportunity to take 10 minutes to...
25/01/2024

TIME TO CHECK YOUR RATE ⏰

While you have some down time this long weekend, it’s a great opportunity to take 10 minutes to review your home loan and check your interest rate.

While interest rates have increased over the last year, competition between lenders remains - meaning you still have the power to negotiate with your current lender or switch lenders to secure a better rate or product if they won't play ball.

I've helped several clients already this year reduce their variable interest rate - and saved them thousands of dollars a year!

Send me a message on 0429 271 900 if you're interested in reviewing your loans, there are definitely savings to be had.

Hope you have a wonderful and safe long weekend!

RENTVESTING - YAY OR NAY? 🏡‘Rentvesting’ is when you continue renting in your ideal suburb area, while buying an investm...
23/01/2024

RENTVESTING - YAY OR NAY? 🏡

‘Rentvesting’ is when you continue renting in your ideal suburb area, while buying an investment property in a more affordable suburb.

By lowering your purchase price, it could help you to get on the property ladder sooner.

Another benefit of rentvesting is that you can use the rental income from the property for your mortgage repayments - helping to pay down the loan quicker.

After a period of time, if your investment property increases in value you can:

🔹Sell the property and use the funds to buy your own home
🔹Use the home equity in your investment property as a deposit towards your own home

However, there are some downsides to rentvesting to consider:

🔹You will have to continue paying rent
🔹Investment loans typically have higher interest rates than owner-occupied loans
🔹You may not be eligible for the first home grants & concessions available to owner-occupiers

If you’d like to weigh up the options of Rentvesting, send me a message!

Today's vibe - poolside 🌴Hope you're having a great weekend enjoying this Perth heat 👌📷 via
07/01/2024

Today's vibe - poolside 🌴

Hope you're having a great weekend enjoying this Perth heat 👌

📷 via

One week into the New Year already and have hit the ground running - with lots of enquiries and I've had 8 appointments ...
05/01/2024

One week into the New Year already and have hit the ground running - with lots of enquiries and I've had 8 appointments this week (😯) mostly from first home buyer clients. No better way to start the year!

It's good to see people are eager and wasting no time preparing for their 2024 goals 👏 !

If you're planning on buying your first home in 2024, the key thing to remember is to get prepared and speak to a broker. The best place to start is finding out what your options are and even securing a pre-approval if you're ready, so you can start house-hunting with confidence knowing exactly what you can afford to spend.

Message or call me on 0429 271 900 if you'd like to get into your first home this year.

Wishing you all a Happy New Year and all the best for 2024 🎉 It's been so incredible starting my journey as a broker las...
01/01/2024

Wishing you all a Happy New Year and all the best for 2024 🎉 It's been so incredible starting my journey as a broker last year, I can't thank you all enough for the support!

Looking forward to another year of helping you buy your first home, refinance to save some money, buy a new car and more! Bring it on! 👏

I'm back in the office from tomorrow so send me a message if you want to get started with your New Year goals!

While the “best” home loan feature is what suits your situation the most, there are definitely some more popular feature...
29/12/2023

While the “best” home loan feature is what suits your situation the most, there are definitely some more popular features among my clients, including:

🔹 Offset account: This is a transaction account associated with your home loan. The money in this account is used to 'offset' against the amount owing on the loan. Interest is calculated on the loan balance minus the funds in your offset.

🔹 Redraw facility: This allows the borrower to make extra repayments on a loan and access the 'extra' funds later if required. Until the funds are redrawn, you can reduce the amount owing on your home loan and the interest charged.

🔹 Loan portability: This means you can take an existing loan to a new address when you move! It means you get to avoid fees like break costs when you move house.

🔹 Repayment holiday: This feature offers a complete break from repayments or a period of reduced repayments. Typically, it is only available if you're ahead on your repayments.

🔹 Extra repayments: Most people assume they can simply make extra repayments on their home loan when and if they want. But this is actually a 'feature' that comes with your home loan.

Hope you had an amazing Christmas & Boxing Day 😄 I’m back in the office today after a nice extended weekend celebrating ...
27/12/2023

Hope you had an amazing Christmas & Boxing Day 😄 I’m back in the office today after a nice extended weekend celebrating the holidays with friends and family 🙏

Over the weekend, I was chatting with a friend who is looking to buy their first home in the New Year but they weren’t aware of all the costs involved in buying a home.

So for anyone looking to buy, there are some associated costs to be aware of in addition to the purchase price of your new home, including;

1. State and federal government costs: These costs can include stamp (transfer) duty, which is a state/territory government tax applicable to new property purchases.

2. Loan application costs: You may have to pay a loan establishment fee or LMI (lenders mortgage insurance) if your deposit is lower than 20%.

3. Purchase costs: There will be fees associated with carrying out legal work during the purchase process and may be fees for pest/building inspections.

4. Construction/renovation costs: If the property has not been built or needs work, there may be construction or renovation costs you need to cover.

Any questions? Don’t hesitate to DM me or contact me on 0429 271 900.

Wishing you a Merry Christmas and Happy Holidays! 🎄 🎄 Hope you have an epic day surrounded by family & friends!
25/12/2023

Wishing you a Merry Christmas and Happy Holidays! 🎄 🎄 Hope you have an epic day surrounded by family & friends!

2 more sleeps until Christmas! 🎄 While I know things might be busy right now, in the current market it’s so important to...
23/12/2023

2 more sleeps until Christmas! 🎄 While I know things might be busy right now, in the current market it’s so important to know how your home loan stacks up and if you could save.

We’ve just launched this great NEW refinancing calculator that gives you an indication of how much you could save by switching in just 3 minutes! Check it out 👉 https://tinyurl.com/2v7ktt8p

While it's a great tool to get started, it doesn't take your strategy or long-term goals into account. So if you're thinking it's time to switch, message or call me on 0429 271 900 for a more detailed review of the options available to you.

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Perth, WA

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 3pm
Saturday 10:30am - 5pm
Sunday 10:30am - 5pm

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