Resifin Home Loans - Keith Begley

Resifin Home Loans - Keith Begley Lead by Director Keith Begley, Resifin Home Loans has been delivering low interest rates and flexibl

Resifin Home Loans is a small boutique Agency that has become a trusted name in Mortgage Broking circles. Serving individuals, families as well as established local business owners you can always rest easy with Resifin. Whether you’re seeking finance to buy property, looking to consolidate debt or even renovate your home – the team at Resifin have years of experience and expansive industry knowled

ge meaning you can invest with confidence. Focusing on local Perth families and communities & providing a personalised client centric service, the Resifin Home Loans team cements its position as a welcomed alternative to dealing with larger national franchise broking groups or directly with the Banks.

Taking that first step up the property ladder should feel exciting!!But we get that it can feel insurmountable, and prob...
03/09/2026

Taking that first step up the property ladder should feel exciting!!

But we get that it can feel insurmountable, and probably more than a little confusing.

When we have our first meeting, we'll discuss where you are now, what you want to achieve, and then get to work making a plan to help you get there.

Ready to get started?


📲 0438 866 093
💻 resifinhomeloans.com.au


Banks love it when you don’t check your home loan.Why? Because loyalty usually costs you more.And this is where we come ...
30/08/2026

Banks love it when you don’t check your home loan.

Why? Because loyalty usually costs you more.

And this is where we come in:
✔️ Calling out lazy lenders
✔️ Negotiating harder so you don’t have to
✔️ Helping you decide if it’s time to move on

Think of us as your home loan hype team – making sure you’re not paying more than you should 💸


📲 0438 866 093
💻 resifinhomeloans.com.au


Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your ...
28/08/2026

Your mortgage is probably your biggest expense. Which is why even a small rate change can make a big difference to your cash flow.

For example:
– On a $600k loan, trimming just 0.5% off your rate could save you around $2,500 a year.
– Over the life of your loan, that’s tens of thousands back in your pocket.

Our job is to review your options, negotiate with your bank, and advise whether a switch stacks up financially.

We can’t promise savings until we look at your situation – but we can promise clarity.


📲 0438 866 093
💻 resifinhomeloans.com.au


What does it mean to take cash out of your home loan?Basically, you're drawing on equity – which is the portion of the p...
26/08/2026

What does it mean to take cash out of your home loan?

Basically, you're drawing on equity – which is the portion of the property that you've paid back, as opposed to the portion covered by the bank.

To access this equity, and take cash out, you'd need to refinance your home loan.

This cash out could be used to:
▫️ Buy shares
▫️ Pay off other debts
▫️ Renovate your home
▫️ Pay private school fees
▫️ Buy an investment property
▫️ And more...

Please keep in mind that before taking on more debt it's worth obtaining professional guidance to understand the full financial implications.

Get in touch to find out if drawing equity would make sense for you.


📲 0438 866 093
💻 resifinhomeloans.com.au


You definitely don't want to apply for 10,000 home loans before getting to 'Yes'. In fact, it's not ever worth applying ...
24/08/2026

You definitely don't want to apply for 10,000 home loans before getting to 'Yes'.

In fact, it's not ever worth applying for more than one credit facility at a time.

The reason being is that each time you apply for credit – whether it's for a credit card, car loan, or mortgage – your application gets recorded on your credit file.

If Bank A sees that you've applied with Bank B, they might hesitate to approve you.

Instead of trying to hedge your bets by applying with multiple lenders, get in touch with us for insight into what the lenders are looking for.


📲 0438 866 093
💻 resifinhomeloans.com.au


A redraw facility is synonymous with flexibility, but remember it's only going to be useful to you if you actually have ...
21/08/2026

A redraw facility is synonymous with flexibility, but remember it's only going to be useful to you if you actually have a need for it.

How it works:
A home loan redraw facility allows people with a variable rate mortgage to access extra funds they have already paid off their home loan.

Basically, you'd be making additional repayments and then 'redrawing' those funds as needed.

The perk is that any additional repayments you make reduce the amount of interest you pay.

However, there are of course fees and charges associated with this facility, so you want to make sure you're getting the most out of it.

We can help you understand which features would make sense for your situation. Ask us how.


📲 0438 866 093
💻 resifinhomeloans.com.au


If you're a sole trader looking to secure a home loan, then one of the best things to do before you apply is to make sur...
19/08/2026

If you're a sole trader looking to secure a home loan, then one of the best things to do before you apply is to make sure you're keeping your business finances separate from your personal finances.

This allows the banks to get a clear view of what's what, and also shows them you're running a professional operation.

After all, nothing screams 'I'm just winging it' more than personal credit cards maxed out on business expenses.

We also suggest getting in touch with us at least 6 months before you intend to apply for your loan, so we can give you some insight into how the banks may look at your situation.

Get in touch to learn more.


📲 0438 866 093
💻 resifinhomeloans.com.au


When we help our clients secure a home loan, it's about making sure they can comfortably handle the repayments. Now and ...
17/08/2026

When we help our clients secure a home loan, it's about making sure they can comfortably handle the repayments. Now and in the (rather likely) event of a rate rise.

After all, a home loan should be life-enhancing.

If your home loan feels more like a ball and chain, get in touch to explore your options.


📲 0438 866 093
💻 resifinhomeloans.com.au


Debt isn't anything to be scared of. Especially if you're:- Getting fair and reasonable terms- Using the funds on apprec...
14/08/2026

Debt isn't anything to be scared of. Especially if you're:
- Getting fair and reasonable terms
- Using the funds on appreciating assets
- Able to afford to make repayments

Get in touch if you plan to secure some good debt – like a home or business loan.


📲 0438 866 093
💻 resifinhomeloans.com.au


Those online calculators are not exactly famous for being accurate. So how much can you really borrow? It used to be tha...
11/08/2026

Those online calculators are not exactly famous for being accurate. So how much can you really borrow?

It used to be that banks would let you borrow around ten times your annual income. These days it's closer to 6 or 7.⠀
⠀
(It depends on your existing debts, of course).⠀
⠀
Each lender has their own policies on how they judge different sources of income. Some won't factor in your overtime, for instance. Others won't include the earnings from your freelance work.

This can be the difference between being able to borrow enough for your dream home, or not.⠀

Or the difference between getting approved for Loan A, versus getting knocked back from Loans A, B and C.

Don't go it alone - get in touch to talk about the best approach to your unique situation.


📲 0438 866 093
💻 resifinhomeloans.com.au


Address

Suite 33, 11 Preston Street Como
Perth, WA
6152

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