Kate Garrett - Littlespring Finance

03/09/2026

My latest review, helping clients in Kalamunda.


https://rma.reviews/3mmweq6yw38b

28/08/2026

Some lenders are cutting rates, despite economic data. Unemployment’s up, inflation is still not where it should be. A lot’s shifting even without an RBA decision. Don't wait for the RBA to make changes, it's worth being proactive and knowing where you stand with your home loan.
DM me or give me a call.
📞 0438 778 170

27/08/2026

My latest review, helping clients in Aveley.


https://rma.reviews/mug0bcjckvxd

25/08/2026

20/08/2026

My latest review, helping clients in Mount Lawley.


https://rma.reviews/6su6qd9l0tyv

17/08/2026

Still want to invest in property? Good news... If you've all but written off property investing because of changes to negative gearing, it’s probably time to run the numbers again.

While there’s been a lot of concern from borrowers since the government made changes to negative gearing, we’re finding the banks are trying to find ways to hand back some borrowing capacity to investors.

Some banks have increased how much of your rental income counts towards your borrowing power, 80% up to 95%. That’s a real jump in what you might be able to borrow. Another lender had added a 40 year loan term, which brings down repayments.

So it’s not all doom and gloom, the landscape is just shifting. When one door closes, another one opens…

Reach out if you want to find out how these changes could impact your borrowing capacity for an investment property.

📞 Get in touch: 0438 778 170

*Lender criteria and terms and conditions apply. This is general advice only and does not take into account your personal financial situation and needs.

30/07/2026

My latest RateMyAgent review in Brentwood.

https://rma.reviews/lgee0aeq04s7
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23/07/2026

My latest RateMyAgent review in Landsdale.

https://rma.reviews/74orpzzb4yec
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11/07/2026

Saving for a home deposit? You need to know about LVR, your loan to value ratio.

This is the percentage of a property's value that you're borrowing. Or flip it the other way, the deposit you need to buy a home. If your LVR is 80% or higher, you'll probably need to get lenders' mortgage insurance, which is an additional cost. However, it means you can get into the market sooner, without having to keep saving. The lower your LVR, the more lender and product options you'll probably have.

Share this with someone who's starting out on their property journey.

Lender eligibility, policy and terms and conditions apply.

09/07/2026

“I’m self-employed… so I probably won’t get approved”. We hear this a lot from clients. But being self-employed doesn’t make it impossible. It just means you need the right lender and the right strategy.

My client Rachael is a consultant in the health industry. She was told to wait 2 years for a loan, so her financials stacked up better.

We talked it through, made some calls to some different lenders and got her approval much sooner.

If you run a business or you’re self employed in Perth and want to buy, don’t assume it’s a no.

📩 DM me or visit littlespringfinance.com.au (link in bio) and let's chat strategy.

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We recommend you seek independent financial and taxation advice before acting on any information in this email. It contains general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Interest rates are subject to change without notice. Lenders terms, conditions, fees and charges apply.
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