Nectar Mortgages: Kim Johnston

20/05/2026

𝐁𝐮𝐲𝐢𝐧𝐠 𝐚𝐭 𝐚𝐮𝐜𝐭𝐢𝐨𝐧? 𝐆𝐞𝐭 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐬𝐨𝐫𝐭𝐞𝐝 𝐟𝐢𝐫𝐬𝐭.
Auctions move fast🏃🏽, and if you’re the winning bidder, the contract is usually unconditional. That means your finances should be organised before auction day🗓️.

▶️ Here’s how I help you prepare:

✔ Secure pre-approval so you know your borrowing power.
✔ Set a clear budget so you can bid with confidence.
✔ Understand the auction process, deposits and timelines.
✔ Move quickly after the auction to finalise your loan.

Thinking about bidding? Don’t wait until auction day.

📞 Call me today or 📩 send a message to get started.

18/05/2026

💼𝐊𝐞𝐞𝐧 𝐭𝐨 𝐠𝐫𝐨𝐰 𝐲𝐨𝐮𝐫 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬?
Whether you're eyeing new equipment, hiring staff, or just need a cashflow boost🚀, the right business loan could make a real difference. And that’s where I come in. 🙋‍♂️
I can help you explore your options, figure out what suits your goals, and take the guesswork out of the process.
📩 Flick me a message or give me a call - always happy to help.

14/05/2026

𝐒𝐞𝐥𝐟-𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝? 𝐋𝐞𝐭’𝐬 𝐞𝐱𝐩𝐥𝐨𝐫𝐞 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐨𝐩𝐭𝐢𝐨𝐧𝐬
Getting a home loan can be harder when your income isn’t the same every month, but that’s exactly where a broker makes life easier.😇

I can help:
• present your income clearly to lenders, even if it fluctuates
• explain add-backs and business expenses to lenders
• find lenders who understand self-employed income

If you're thinking about buying or refinancing this year, chatting to me first can save you a lot of time (and stress). Reach out📲, I'm here to help.

14/05/2026

𝐃𝐞𝐛𝐭 𝐩𝐢𝐥𝐞𝐝 𝐡𝐢𝐠𝐡?😬
Credit cards, personal loans, or Buy Now Pay Later repayments weighing you down? 🏋🏽 With the EOFY fast approaching, now’s a great time to tidy up your finances 🧹.
Debt consolidation could help simplify your repayments and even reduce your monthly costs.
❗But remember, it’s not a one-size-fits-all solution 👗. What works for one person may not suit another.
👉 Want to see if it’s right for you? Let’s have a no-obligation chat and weigh up the pros and cons ⚖️

12/05/2026

𝐒𝐦𝐚𝐫𝐭 s𝐭𝐞𝐩𝐬 𝐟𝐨𝐫 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐢𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬🪜

Looking to grow your property portfolio? I can help you navigate your finance options by:

• Comparing multiple lenders for suitable investment loan options.
• Guiding you through deposit structures and LVR considerations.
• Helping you understand how equity may be used across existing properties.
• Providing ongoing support throughout your property journey.

Whether it’s your first investment property or you’re expanding your portfolio, I help make the lending process clearer and easier to navigate.

📞 Get in touch for a chat about your investment lending options.

11/05/2026

𝐄𝐎𝐅𝐘 𝐢𝐬 𝐚𝐫𝐨𝐮𝐧𝐝 𝐭𝐡𝐞 𝐜𝐨𝐫𝐧𝐞𝐫 – 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐠𝐞𝐭 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐬𝐨𝐫𝐭𝐞𝐝!🚗🛠️
With 30 June fast approaching, it’s a great time to secure finance for a new vehicle or essential equipment. Many dealers are offering EOFY discounts and deals – and with pre-approval in place, you’ll be ready to act fast.

I can help you finance:
✅ Cars, utes, vans
✅ Trucks, trailers
✅ Machinery, yellow goods, plant & more

Why work with me?
✔️ Asset finance expertise
✔️ Access to 50+ lenders
✔️ Straightforward, prompt service
✔️ Pre-approvals so you can shop confidently

Whether it’s for business or personal use, I’m here to help you start the new financial year strong. Message me today to explore your options!

10/05/2026

𝐇𝐚𝐩𝐩𝐲 𝐌𝐨𝐭𝐡𝐞𝐫’𝐬 𝐃𝐚𝐲! 💐
Today we’re celebrating all the amazing mums, step-mums, and mother figures.
💖 Thank you for the countless ways you support, inspire, and nurture those around you. I hope you’re feeling the love (and getting a bit spoilt too!).

07/05/2026

🌿 𝐆𝐫𝐞𝐞𝐧 𝐦𝐞𝐚𝐧𝐬 𝐠𝐨!🌿
More Australians are looking for homes that cost less to run and are kinder to the planet.

Simple upgrades like solar panels, insulation, energy-efficient appliances📺, native planting🌲, or switching from gas to electric🔌can all help reduce bills and boost your home’s appeal🏠 .

➕ Plus, some lenders even offer green loans with discounted rates for eco-friendly upgrades. With access to 50+ lenders, I can help you find the right fit👗.

Thinking about going greener? Let’s chat 🌱

07/05/2026

𝐖𝐨𝐧𝐝𝐞𝐫𝐢𝐧𝐠 𝐢𝐟 𝐲𝐨𝐮’𝐫𝐞 𝐩𝐚𝐲𝐢𝐧𝐠 𝐭𝐨𝐨 𝐦𝐮𝐜𝐡 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞? 💭🏡
With the recent RBA cash rate increase and ongoing cost-of-living pressures, now could be a good time to review whether your home loan is still competitive.

Here’s the difference between 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 and 𝐫𝐞𝐩𝐫𝐢𝐜𝐢𝐧𝐠👇

🔄 𝐑𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠
Switching to a new loan - either with a new lender or sometimes a different product with your current lender. This may help you access a more competitive rate, different loan features or consolidate debts. Keep in mind there may be fees and a new approval process involved.

💰 𝐑𝐞𝐩𝐫𝐢𝐜𝐢𝐧𝐠
Negotiating with your current lender for a more competitive rate on your existing loan. There’s usually less paperwork involved, and it can be a simple way to review your current loan costs.

Not sure which option may suit your situation best? 🤔
Let’s chat - I can help you explore and compare your options.

06/05/2026

𝐂𝐨𝐧𝐟𝐮𝐬𝐞𝐝 𝐛𝐲 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐡𝐞𝐚𝐝𝐥𝐢𝐧𝐞𝐬 𝐚𝐫𝐨𝐮𝐧𝐝 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞𝐬, 𝐢𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐞𝐜𝐨𝐧𝐨𝐦𝐲 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰? 😕

You’re not alone.

We’ve broken down what’s actually happening, what it means for homeowners, and a few practical ways you may be able to improve your financial position. 💸

Check out our latest blog below

If you'd like to discuss your plans for the next 12 months, or simply chat through your options, feel free to give me a call. 📲

There’s been a lot of noise lately about rising costs, interest rates and what might be coming next – and it’s leaving many people wondering what it all