What are the opening hours?

Monday 9am - 10pm Tuesday 9am - 10pm Wednesday 9am - 10pm Thursday 9am - 10pm Friday 9am - 10pm Saturday 9am - 10pm Sunday 9am - 10pm

Mark Lendich - Mortgage Australia Claremont

Home
Australia
Perth, WA
Mark Lendich - Mortgage Australia Claremont

I'll help you get a better home or investment loan at no cost to you from dozens of major lending institutions. I have been a Mortgage Broker for over 18 years.

I am committed to helping Claremont residents get the right loans. I know how to get you a great loan and make sure it is set up properly to get you maximum savings. I simply can’t afford to get a bad reputation in Claremont where I live. That is your guarantee that I will work hard in your best interests, not the bank’s. The future of my business and my personal standing in my home suburb depends on it!

10/06/2026

How to avoid disappointment when downsizing:

Just as many young families look to upgrade their home at some point, most of us will eventually decide that it's time to downsize.

You might be getting closer to retirement age and feel like it's time to free up some cash, rather than having it all tied up in your assets. Perhaps you can't see the point in maintaining a 5 bedroom home just in case the grandchildren come to stay.

Some retirees decide to downsize because they want to travel more, and a low-maintenance home is a better fit. And then unfortunately there are some people who are forced to downsize for less pleasant reasons, such as financial hardship, divorce, or the death of a spouse.

Whilst downsizing might seem like the solution to all of your problems, it's not always smooth sailing. Many downsizers jump from the frying pan into the fire by making an impulse purchase without doing their research. To avoid running into trouble - make sure you consider all of these factors:

Where do you really want to live?

It might seem like a lovely idea to spend your retirement in a small country town, reading by the fire in your single bedroom cottage. But how far would you be from family and friends? Many downsizers move to their dream location, only to find that it's rather lonely and their children don't visit nearly as much as they thought.

If you decide after a couple of years that you're not happy with your decision, it might be difficult to get back into the property market closer to home. Think carefully about where you really want to be in the long term.

What amenities do you need to have nearby?

You might be in fairly good health now, but it could be a great help one day to live within striking distance of a medical centre. It's also worth investigating the distance to the nearest shops, restaurants, cinemas and recreational facilities.

What type of property do you prefer?

Do you plan to keep any of your furniture? How do you feel about growing older in a house with a spiral staircase? It's important to think about what suits you now, and into the future when it comes to choosing a property to downsize into. If you're moving from a mansion on 20 acres, you might struggle to adjust to a single bedroom townhouse.

What lifestyle are you looking for?

Do you love peace and quiet? Do you want to be surrounded by other people around your age? Think carefully about what's important to you. If you love your privacy and the sounds of nature - a little unit in a bustling retirement community might not be your ideal downsizing opportunity.

What are the real costs of downsizing?

Although you're probably looking to free up some cash, it's important to look into the costs associated with selling your property, and buying your next property.

Some retirement communities charge enormous fees, and if you choose a unit or townhouse you might be up for Owner's Corporation fees on top of your council rates.

Examine the numbers to make sure you're really saving money.

09/06/2026

Face the future with greater certainty with a fixed rate home loan.

One in five Australians taking out a home loan is now opting to fix their interest rate, according to a recent AFG Mortgage Index.

Not only are fixed rates proving popular in the midst of global economic uncertainty, many borrowers are cashing in on unprecedented, increased competition around fixed rate loans.

Traditionally, lenders have set fixed rates a smidge above the average variable rate. At the moment, however, many institutions are offering fixed rates below others' variable rates, prompting savvy borrowers to shop around.

The main benefit of a fixed rate is certainty. Regardless of shifts in the economic sands, your mortgage repayments stay the same, allowing you to budget with more confidence. If official interest rates rise, your mortgage repayments are unaffected. On the flip side, of course, if interest rates drop, you won't benefit.

With experts wavering on whether local interest rates will go up, down or nowhere over the next 12 months, now could be an opportune time to take advantage of special offers around fixed rates.

Some lenders, for example, are offering fixed rates at 0.8 per cent lower than the standard variable rate of other institutions. On a $300,000 loan, that equates to a $200 saving in interest each month.

Fixed rates are generally based on what the economy may do over the next three to four years, while variable rates are more aligned to the current cash rate, set by the Reserve Bank of Australia. At the moment, this is overlaid with the fact lenders are looking to drive movement in the market through competition.

Although Australia's economy is deemed very stable against the backdrop of the European debt crises and slow economic recovery in the United States, home owners have been happy to sit on the sidelines to see how it all plays out before making any decisions about buying and selling.

As a result, many financial institutions have been trying to entice us back in the game with competitive fixed rates.

As with all borrowing situations, your decisions should be based on your circumstances and financial goals. However, there are some basic pros and cons that apply to fixed rates that you should consider.

The biggest benefit of a fixed rate, is knowing exactly what your repayments will be for a set period - usually one to five years. This can be a real advantage if you are considering a career change, starting or expanding a family or have kids moving into private education, because it can ease the stress of budgeting.

On the downside, fixed rate loans tend to be more restrictive than variable ones. You usually can't make additional payments, plus lenders generally charge high break fees if you want to exit the loan during the fixed period.

If you want to tap into the benefits of both a fixed and a variable rate, consider splitting your loan so a portion of your debt is exposed to shifts in official rates - up or down - and the rest is locked into a set rate.

With official interest rates sitting at affordable levels and question marks hanging over which way they will head over the next 12 months, it's worth chatting with your local Mortgage Broker about fixed rates and what the market has to offer. It may be just the move to help you face the future with some certainty.

07/06/2026

Is changing your job going to affect your ability to buy a new home?

Approximately half the Australian workforce is considering a job change at any one time.

Younger people are the most active in the job market with those under 30 almost twice as likely to change jobs as those aged over 40.

But did you know that lenders may not view a new job as positively as you do?

If you are thinking of buying a home or investment property, its important to get your timing right when it comes to changing your employment so it doesn't upset your plans.

But if you are considering a career change, or have recently changed jobs, by managing things properly you may not need to put your borrowing plans on hold.

To avoid problems, please check out this article - "Will the Bank be Impressed with my New Job".https://www.mortgageaustralia.com.au/email/files/willthebankbeimpressedwithmynewjob.pdf

07/06/2026

Renovate or Evacuate? The pros and cons of renovating your home to sell.

So, you've decided it's time to sell your property. Perhaps your family has grown and everyone needs some space. Or maybe the kids have left the nest and you're ready for less maintenance and more travel.

You want to get the maximum price for your property with minimum fuss. But how much work should you do to prepare your home for sale?

If you like to watch a lot of DIY shows, you might have always dreamed of doing your own renovation rescue, and raking in the profits. But how much is too much to spend? Does it really mean a better selling price if you invest your life savings in a new kitchen?

Before you run down to the hardware store, let's look at the pros and cons...

Pro - Your property will appeal to people who don't want to renovate - such as families and professional couples.

Con - Your property will not appeal to buyers looking for a project of their own, and you could alienate these potential buyers.

Pro - You will add value to the property and take advantage of the profits, rather than leaving someone else to reap the rewards.

Con - The whole thing could backfire and you could spend loads on renovating without making much on the sale of the property.

Pro - Renovating could give you a competitive edge when there are similar properties for sale in the area.

Con - Buyers might not love your purple feature walls as much as you thought they would, and your taste could drive them away.

Pro - It might be just plain necessary to do some work before you can sell your property, depending on the condition.

Con - Renovating can be a real pain in the proverbial - are you ready for mess, stress and lots of aching muscles?

So how do you decide? There's no simple answer here, I'm sorry to disappoint you! If the pros and cons have your head spinning, try speaking with a few real estate agents. They should be able to give you an idea of what work should be done to achieve the price you want.

04/06/2026

Six Steps to becoming mortgage-free - Step 5: Don't take candy from strangers.
Do you ever feel like the bills just keep coming? Are you suffering from a serious case of the budget blues, and wish you could splurge on something special every now and then?

How much difference would it make if you could pay off your mortgage five or six years ahead of schedule?

Well, there are six simple steps that you can implement now, to lower the total amount and length of your home loan.

In the past weeks, we looked at Steps 1 to 4. You saw how choosing the best possible loan product could make a big difference to your back pocket. How changing the frequency of your repayments could lower your interest. Why it makes sense to pay more off your loan whenever possible, and how to make the most of handy features like offset accounts, and redraw facilities.

Now a little warning for you - if it sounds too good to be true, it probably is.

Step 5: Don't take candy from strangers.

It might seem like a wonderful offer - "Low introductory rate for the first 12 months". If you're buying your first home, you might imagine this to be a great way to ease into home ownership without being hit too hard by the loan repayments.

But just as Christmas always comes around sooner than you think - so too does the end of the honeymoon period. For many borrowers who haven't done enough homework, this anniversary can bring very bad tidings in the form of a whopping repayment increase.

What would you do if you suddenly had to come up with an extra $400 per month? 'That's not too bad' you might say. But what if this month you also received your council rates notice, car registration, power bill and water bill? You might start to notice the difference.

Before jumping head-first into an attractive introductory rate loan, make sure you take the time to compare the 'post introduction' rate with other loans on the market. What really counts at the end of the day, is how much you will pay for the other 29 years of the loan. This is where an expensive loan product could really make an impact on your ability to achieve your financial goals.

Want to learn more about becoming mortgage free? Stay tuned for Step 6: Get a better deal - refinance your loan.

04/06/2026

Six Steps to becoming mortgage-free - Step 6: Is the grass greener on the other side?

Do you ever wonder if the grass really is greener on the other side? The question today is: are you getting the best deal on your mortgage?

How would you like to make a few small changes that could lead you on the path to becoming mortgage-free and financially fabulous?

Well, there are six simple steps that you can implement today, that will help you knock over that home loan in record time.

In the past weeks, we learned how choosing the best possible loan product could make a big difference to your back pocket. How changing the frequency of your repayments could lower your interest. Why it makes sense to pay more off your loan whenever possible, how to make the most of handy features like offset accounts, and redraw facilities, and why refusing lollies from strangers is always a good idea.

Step 6: Refinance for a better deal

The fierce and ongoing competition between lenders in the home loan market can sometimes play out like a scene from Gladiator. But the clear victor emerging from this never-ending battle is you - if you keep your finger on the pulse.

Now more than ever, it's vital that you keep assessing your financial needs and look out for opportunities to get a better deal on your loan. Even though you compared your options and secured the best deal a few years ago, that doesn't mean that your current interest rate is the best, or even close.

By refinancing with another lender you could reduce your costs, and save time. Many borrowers who refinance are able to save as much as 1% off their interest rate, which could mean paying that loan off several years earlier than planned.

If you haven't reviewed your options for a while, it pays to speak with your mortgage broker and find out if the grass really could be greener on the other side. It could make all the difference if you want to pay your loan off sooner, and keep more money in your pocket in the process.

02/06/2026

Looking to get away but need some extra funding? Whether it's a destination wedding, a trip with the family or a last-minute getaway, our team can help arrange a low rate personal loan to finance your next holiday.

Our partners offer a fast, simple process and access to funds typically within 48 hours. Don�t delay, get in touch today!

01/06/2026

Why not consider a whole new range of tenants for your investment property?

Pets have been long maligned by landlords for their potential to make a mess and cause damage.

But with pet ownership in Australia ranking the highest in the world, property investors who turn their backs on our furry friends could be missing out on tenants and dollars.

Before they dismiss dogs and cats, landlords should consider that 60 per cent of Australians have pets and one third of households rent. Saying "no" to Fido and his feline foes means narrowing the rental funnel. At a time when national vacancy rates are climbing, this could be a costly choice.

Many landlords are now welcoming pets and reaping rewards. Here are some tips to help you embrace a pro-pet policy.

Pets don't rent - their owners do.

Opening the door to pets immediately makes your property more attractive to a wider range of tenants. The key is to consider whether the pets, particularly dogs, are well managed and trained.

This can be hard to assess, unless you happen to know your renters, so a little extra leg work is required.

Arrange to meet the applicant with their pet so you can see the animal for yourself and how it behaves. Reference checks are also crucial and, if you are especially diligent, a chat with the applicant's previous neighbours should give you extra insight into their pet management.

Some renters are even developing resumes for their pets, with photos, references and medical history.

Keep in mind that while you are not allowed to discriminate against rental applicants on the basis of race, gender, marital status etc, applicants cannot claim discrimination if you reject a particular pet.

Higher yields, longer stays

So prevalent are anti-pet policies that a researcher at the University of Western Sydney is now investigating the social impacts of these restrictions on renters and the broader community.

Because it can be so hard for tenants with pets to get a paw in the door, they are often prepared to pay a premium to secure a property.

While this does not mean charging more because someone rocks up with a pet, it gives landlords the opportunity to pitch their properties to pet owners and structure their rents accordingly.

For the same reason, pet-lovers are also likely to stay longer, which means lower turn-over and lower rental costs for landlords. Although data is scant, one 2003 survey in the United States showed renters with pets stayed an average of 46 months, compared to just 18 months for those without.

Have a pet agreement

Make sure your rental agreement includes a pet policy that stipulates the pet owner is responsible for:

Any property damage caused by the pet (inside and out).
Injuries caused to the pet on the property.
The pet's behaviour (including barking).
Regularly cleaning up after the pet.

Strata permission

If you own a strata property, such as an apartment, you will also probably have to convince the body corporate to permit pets.

If you are on the body corporate you may have more sway in arguing your case. Some body corporates are loosening up, realising many buyers often have pets. Once owner-occupiers pave the way, it's easier for renters with pets to get the nod.

01/06/2026

Discover the pros and cons of each type of home loan:

There are literally hundreds of home loans available, with new products emerging all the time.

A professional Mortgage Broker can recommend a loan for your particular needs, help you to complete the paperwork, professionally package it with your supporting documents and submit it to your chosen lender.

If you want to do some homework first, pop your details into the clever loan option tool or work out monthly or fortnightly repayments with the calculators on our website.

When you're ready, get in touch with me to discuss the next steps. Here's a snapshot of the main types of home loans and some of their pros and cons.

A) Variable

Standard variable loans are the most popular home loan in Australia. Interest rates go up or down over the life off the loan depending on the official rate set by the Reserve Bank of Australia and funding costs. Your regular repayments pay off both the interest and some of the principal.

You can also choose a basic variable loan, which offers a discounted interest rate but has fewer loan features, such as a redraw facility and repayment flexibility.

Pros

- If interest rates fall, the size of your minimum repayments will too.
- Standard variable loans allow you to make extra repayments. Even small extra payments can cut the length and cost of your mortgage.
- Basic variable loans often don't come with a redraw facility, removing the temptation to spend money you've already paid off your loan.

Cons

- If interest rates rise, the size of your repayments will too.
- Increased loan repayments due to rate rises could impact your household budget, so make sure you take potential interest rate hikes into account when working out how much money to borrow.
- You need to be disciplined around the redraw facility on a standard variable loan. If you dip into it too often, it will take much longer and cost more to pay off your loan.
- If you have a basic variable loan, you won't be able to pay it off quicker or get access to money you have already repaid if you ever need it.

B) Fixed

The interest rate is fixed for a certain period, usually the first one to five years of the loan. This means your regular repayments stay the same regardless of changes in interest rates. At the end of the fixed period you can decide whether to fix the rate again, at whatever rate lenders are offering, or move to a variable loan.

Pros

- Your regular repayments are unaffected by increases in interest rates.
- You can manage your household budget better during the fixed period, knowing exactly how much is needed to repay your home loan.

Cons

- If interest rates go down, you don't benefit from the decrease. Your regular repayments stay the same.
- You can end up paying more than someone with a variable loan if rates remain higher under your agreed fixed rate for a prolonged period.
- There is very limited opportunity for additional repayments during the fixed rate period.
- You may be penalised financially if you exit the loan before the end of the fixed rate period.

C) Split rate loans

Your loan amount is split, so one part is variable, and the other is fixed. You decide on the proportion of variable and fixed. You enjoy some of the flexibility of a variable loan along with the certainty of a fixed rate loan.

Pros

- Your regular repayments will vary less when interest rates change, making it easier to budget.
- If interest rates fall, your regular repayments on the variable portion will too.
- You can repay the variable part of the loan quicker if you wish.

Cons

- If interest rates rise, your regular repayments on the variable portion will too.
- Only limited additional repayments of the fixed rate portion are allowed.
- You will be penalised financially if you exit the fixed portion of the loan early.

D) Interest only

You repay only the interest on the amount borrowed usually for the first one to five years of the loan, although some lenders offer longer terms. Because you're not also paying off the principal, your monthly repayments are lower. At the end of the interest-only period, you begin to pay off both interest and principal.

These loans are especially popular with investors who plan to pay off the principal when the property is sold, having achieved capital growth.

Pros

- Lower regular repayments during the interest only period.
- If it is not a fixed rate loan, you have the flexibility to pay off, and often redraw, the principal at your convenience.

Cons

- At the end of the interest only period you have the same level of debt as when you started.
- If you're not able to extend your interest-only period, you could face the possibility of increased repayments.
- You could face a sudden increase in regular repayments at the end of the interest-only period.

E) Line of Credit

You can pay into and withdraw from your home loan every month, so long as you keep up the regular required repayments. Many people choose to have their salary paid into their line of credit account. This type of loan is good for people who want to maximise their income to pay off their mortgage quickly and/or who want maximum flexibility in their access to funds.

Pros

- You can use your income to help reduce interest charges and pay off your mortgage quicker.
- Provides great flexibility for you to access available funds.
- You can consolidate spending and debt management in a single account.

Cons

- Without proper monitoring and discipline, you won't pay off the principal and will continue to carry or increase your level of debt.
- Line of credit loans usually carry slightly higher interest rates.

F) Introductory/Honeymoon

Originally designed for first-home buyers, but now available more widely, introductory loans offer a discounted interest rate for the first six to 12 months, before the rate reverts to the usual variable interest rate.

Pros

- Lower regular repayments for an initial 'honeymoon' period.

Cons

- Loans may have restrictions, such as no redraw facilities, for the entire length of the loan.
- You may be locked into a period of higher interest rates at the expiry of the honeymoon period

G) Low doc

Popular with self-employed people, these loans require less documentation or proof of income than most, but often carry higher interest rates or require a larger deposit because of the perceived higher lender risk. In most cases you will be financially better off getting together full documentation for another type of loan. But if this isn't possible, a low doc loan may be a good option to secure the funds you need.

Pros

- Lower requirement for evidence of income.
- May overlook non-existent or poor credit rating.

Cons

- You will probably pay higher interest than with other home loan types, or may need a larger deposit, or both.

31/05/2026

Are you ready to purchase a new car but don't want to get hit with high interest rates from expensive car dealerships? Our team can help you secure fast, low-rate car finance to get you on the road.

Our partners also offer conditional approval for up to 60 days, giving you time to shop around and find your dream car.

Address

26 Goldsmith Road, Claremont
Perth, WA
6010

Opening Hours

Monday	9am - 10pm
Tuesday	9am - 10pm
Wednesday	9am - 10pm
Thursday	9am - 10pm
Friday	9am - 10pm
Saturday	9am - 10pm
Sunday	9am - 10pm

Telephone

+61417930730

Website

https://www.mortgageaustralia.com.au/mortgagebroker/marklendich/

Alerts

Be the first to know and let us send you an email when Mark Lendich - Mortgage Australia Claremont posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Mark Lendich - Mortgage Australia Claremont:

Shortcuts

Address
Telephone
Opening Hours
Alerts
Contact The Business
Claim ownership or report listing

Featured

Nashi Finance

Want your business to be the top-listed Finance Company in Perth?

Mark Lendich - Mortgage Australia Claremont

10/06/2026

09/06/2026

07/06/2026

07/06/2026

04/06/2026

04/06/2026

02/06/2026

01/06/2026

01/06/2026

31/05/2026

Address

Opening Hours

Telephone

Website

Alerts

Contact The Business

Shortcuts

Featured

Share

Category