Sandra Joseph - Real Mortgage Solutions

04/02/2026

If you’re looking for someone passionate about providing qualified information on lending options give me a call 0411881240.

27/01/2026

https://maps.app.goo.gl/hfajuUGH7Qz6bZGV7

★★★★★

19/01/2026

As mortgage broker I have audits done on my files/applications for quality review in relation to many things including industry compliance and regulations.

This is the email I received today. I would like to thank my customers for trusting me with their finance needs and biggest decisions at that point in their life. I love what I do...

AFG Compliance Loan File Review

Hello Sandra

Congratulations on achieving a high standard in your Broker Assurance Review.

The AFG Compliance Team appreciates that the complexity of compliance and industry regulation has changed immensely in the past few years makes your result worthy of recognition.

To thank you for your efforts and recognise this result you have been issued with the 2026 Broker Assurance Badge that you can use to show your peers and customers that you provide mortgage broking services to your customers that is of an industry standard.

Thank you

14/01/2026

I just wanted to share an email I received today:

Hi Sandy,

I just wanted to take a moment to thank you for all your help and support throughout the process of buying my first home and securing my mortgage.

From the very beginning, you provided clear guidance and reassurance, which made what could have been a very overwhelming process feel manageable and well supported. I really appreciated the time you took to explain each step, answer my questions, and ensure I felt confident in the decisions being made.

Your professionalism and genuine care made a huge difference, and I’m incredibly grateful for everything you did.

Thank you again.

Kind regards,
Nick

07/01/2026

Eligible home buyers in Western Australia are now able to access the federal government’s shared equity home buying scheme.

The Cook government of Western Australia has made the Help to Buy scheme available to eligible home buyers in the western state, after passing the Help to Buy (Commonwealth Powers) Bill 2025 through the Western Australian Parliament.

The bill, which passed in mid-December, means that around 1,100 low- to middle-income earners in Western Australia will be able to access the shared equity home buying scheme.

What is Help to Buy?

Help to Buy officially launched on 5 December 2025 in Queensland, Victoria, South Australia, NSW, the ACT, and the Northern Territory (Tasmania is yet to pass enabling legislation to participate in the scheme).

It aims to help first home buyers get into the property market sooner by reducing the amount of money needed to purchase a property by sharing the cost with the government.

Under Help to Buy, the government will contribute up to 40 per cent of the purchase price for new homes or 30 per cent of existing homes for eligible owner-occupier borrowers.

The scheme will be available to individuals earning an annual income of up to $100,000 and to couples with a combined income of $160,000.

In Western Australia, eligible participants will be able to purchase property for up to $850,000 in Perth and up to $600,000 in the rest of the state, with only a 2 per cent deposit calculated on the purchase price.

The initiative aims to improve affordability by reducing both the upfront cost and ongoing mortgage repayments.

Call me for more information. 0411881240

01/01/2026

From me to you…

09/07/2025

Home Guarantee Scheme extends its support for first home buyers

Sandy can assist you with the implementation of the different schemes available by both Federal and State Governments.

The Federal Government has announced a further 50,000 places are available within the Home Guarantee Scheme. These places are available from 1 July 2025 to 30 June 2026 and are available as follows:

35,000 places for the First Home Guarantee
10,000 places for the Regional First Home Guarantee
5,000 places for the Family Home Guarantee

Mortgage brokers play a crucial role in helping clients, especially first-time buyers, understand what government support is available and how to access it.

Applications for the First Home Guarantee can only be made with a participating lender and eligibility criteria must be met. Your mortgage broker will have access to and assist with all applications.

Call 0411881240 to see if you're eligible.

Minimum deposits and housing price caps continue to apply.

10/06/2025

It's almost end of financial year...

Is your Home loan/Investment loan still right for you?

How long has it been since you had a health check on your mortgage facilities?

• How will you know if it is still right for you: It is prudent to have a health check every 1-2 years to make sure your product is still right for your current circumstances. A lot can change, and you could be paying too much. Does your lender offer you a health check to get a better rate or product every year?

DID YOU KNOW…
• Lower Rates and Fees: Refinancing could help you secure a loan with lower interest rates or fees, reducing your repayments and potentially increasing your cash flow.
• Unlock Equity: If your investment property has increased in value, you may be able to access the equity to fund other investments or improvements. More value and lower loan could mean lower interest rate! Have you heard of investment loans at home loan rates?
• Loan Features: Consider loans with features like offset accounts, redraw facilities, or interest only payment options that could help you manage your investment property more effectively.
• Loan Types: Evaluate different loan types, such as variable, fixed, or split-rate loans, to find one that aligns with your investment strategy.
• Costs of Refinancing: Be aware of potential costs, such as discharge fees, valuation fees, and lender’s mortgage insurance (if your new loan exceeds 80% of the property’s value). These costs should be weighed against the benefits of refinancing. (some lenders will pay you to refinance)
• What next: I can help you navigate the market, compare loan options, and simplify the application process.
For tailored advice, at Real Mortgage Solutions we can assess your specific circumstances and goals.

Phone 0411881240 for a free no obligation health check

15/05/2025

10 Years CANCER FREE.
Today I celebrate my 10-year anniversary of being Breast Cancer Free. It's been a journey, but a journey I would do again in a heartbeat. I'm one of the lucky ones! Thank you to Murray Joseph
Stacey Newton and Ryan Joseph. for your love and support, I couldn't have got through it without you. To the many friends and other family who have held my hand, hugged me and wiped my tears I thank you enormously.
In the past 10 years I have seen, heard and experienced things that wouldn't have been possible. Thank You.

08/05/2025

Wow 25 years as a broker and 20 years membership with MFAA.

10/09/2024

Hi everyone... Did you know that as a mortgage broker I can actually work for no pay! 🥲

That's right, if a client repays their loan within 2 years, we as brokers get what's called a clawback from the lender.

that means they 'clawback' 100% of our commission if a client repays/refinances within the first 12 months. and then a sliding scale up to 2 years.

I don't know about you, but I don't like working for nothing. I love my job but getting paid to do what you love is even better! 😀

If you think this system (created by the banks and lenders) is unfair I would love it if you would click on the link and sign the petition that's going to parliament to address the situation.

Only 2 days left to sign...
https://www.aph.gov.au/e-petitions/petition/EN6484/sign

Thanking you in advance for your support.

Sandy