Mortgage Choice Ray Wilson

Mortgage Choice Ray Wilson Ray Wilson is your trusted mortgage broker in Baldivis and surrounding areas.

If reviewing your home loan is on your to-do list for the new financial year, we can help. With access to thousands of ...
01/06/2026

If reviewing your home loan is on your to-do list for the new financial year, we can help.

With access to thousands of products from more than 35 lenders, we work hard to find the right loan for your needs. We manage the application process from start to finish and negotiate with lenders on your behalf, saving you hours of research and paperwork.

Contact us today to get started.

Did you know that switching from monthly to fortnightly or weekly repayments can shave years off your mortgage? By swit...
29/05/2026

Did you know that switching from monthly to fortnightly or weekly repayments can shave years off your mortgage?

By switching to weekly or fortnightly repayments, you increase the frequency of your payments and can effectively pay off more of your loan each year. It’s a simple ‘set and forget’ hack to pay off your home sooner. 🏡

Want to see how much time you could save? Talk to us today and we’ll crunch the numbers for you.

28/05/2026

The new Federal Budget might have moved the goalposts, but the game is far from over! 🏉📈

If you’ve caught the headlines, you’ll know that negative gearing has been scrapped for investors buying established properties. But before you put those investment dreams on ice, let’s talk about the bright side (and the opportunities!). ☀️

What hasn’t changed? Negative gearing is still very much alive and kicking for newly built homes and construction! 🏗️✨ It just means it’s time to rethink the game plan. Property investing right now is all about having the right strategy and investment structure in place, which is exactly why having a chat with your mortgage broker is more important than ever.

As your local Mortgage Choice broker, I’m here to crunch the numbers and help you pivot. Plus, we have fantastic, close relationships with top-tier developers and are fully equipped to help you seamlessly purchase or construct a brand-new property. Let’s turn this plot twist into a brand-new plot piece! 🏡👷‍♂️

Ready to build your wealth from the ground up? Tap the link in my bio to book a strategy session today! ☕️👇

When was the last time you reviewed your home loan? With interest rates on the rise, now is a smart time to explore you...
26/05/2026

When was the last time you reviewed your home loan?

With interest rates on the rise, now is a smart time to explore your home loan options.

Try our Refinance Calculator to compare your home loan against thousands of options from our panel of over 35 lenders. In only three minutes, you can discover if there’s a more competitive rate out there.

Get started today.

With 30 June fast approaching, now is the perfect time to get your finances in order. We can review your home loan to ma...
21/05/2026

With 30 June fast approaching, now is the perfect time to get your finances in order. We can review your home loan to make sure it’s still right for you.

Let’s chat today.

21/05/2026

Let’s get down to brass tax! 🎺📉 If you’ve been tuning into the latest Budget news here in WA, you’ve probably heard the massive buzz around Capital Gains Tax (CGT).

On May 12th, a pretty huge announcement dropped regarding the removal of CGT, but before you pop the champagne 🍾 or panic-scroll through the news, here’s the scoop—it’s a tale of two timelines! ⏱️

Here is exactly what you need to know: 🕰️ Pre-May 12th: If you purchased your property before the announcement date, your situation remains completely unchanged. Business as usual! ✨ Post-May 12th: If you secured your slice of the property pie after that magic date, you fall under the brand-new rules.

Navigating property finance shouldn’t feel like trying to read a foreign language. When the rules change, having an expert in your corner isn’t just nice—it’s necessary! Capital gains are great, but capital brains are better. 🧠 Knowledge is absolute power when it comes to building your wealth and making the right moves.

Wondering exactly what these new rules mean for your next property move? Drop a 🏡 in the comments or shoot me a DM, and let’s map out your strategy!

Understanding your borrowing capacity is often the first step in any property journey. 🧐 Borrowing capacity is the maxim...
18/05/2026

Understanding your borrowing capacity is often the first step in any property journey. 🧐

Borrowing capacity is the maximum amount of money a lender is willing to loan you to purchase a property. It factors in your income, your existing debts, living expenses, and the lender’s current interest rates, to ensure you can comfortably manage repayments.

We have access to market-leading rates from over 35 lenders, and each one may calculate your borrowing capacity differently.

Ready to find out where you stand? Let’s chat today for a quick assessment of your borrowing potential.

Finding your first home is exciting, but the research phase can quickly send you down a rabbit hole of tabs, calculators...
16/05/2026

Finding your first home is exciting, but the research phase can quickly send you down a rabbit hole of tabs, calculators and confusing terminology. 🏠🌀

You don't need more search tabs – you need a broker by your side.

We’ll do more than just secure a home loan for you. We’ll take the time to cut through the jargon so you know exactly where you stand and how to get where you want to be.

Let’s simplify your home-buying journey together. ✨

14/05/2026

To LMI or not to LMI? That is the (very expensive) question. 🏠🤔

We’ve all seen the headlines—property prices are climbing faster than most of us can stash away our savings. It feels like every time you hit a savings milestone, the goalposts move another 50 metres down the field. 🏃‍♂️💨

This is where Lenders Mortgage Insurance (LMI) comes in. While it’s often seen as a “nasty” extra cost, it’s actually a ladder. It’s the tool that lets you buy with a 5% or 10% deposit instead of waiting years for 20%.

Why we often recommend “taking the hit”: Historically, it is almost impossible to out-save the growth of the Australian property market. If prices go up 8% in a year on an $800k home, that’s $64,000 in equity you’ve missed out on just to avoid a $15k LMI bill. 📉

The Strategy: 1️⃣ Capitalise it: We can often add the LMI onto your loan so you aren’t paying it out of pocket today. 2️⃣ Size matters: The bigger your deposit, the smaller the LMI premium. 3️⃣ Bank shop: Every lender calculates LMI differently—some are thousands of dollars cheaper than others for the exact same loan!

Don’t let the fear of LMI keep you in the rental trap while the market leaves you behind.

Ready to see if the numbers stack up for you? DM me ‘LMI’ and let’s run the math! 📲

Rates are on the rise ⬆️ Fuel remains high ⬆️ Are you considering buying an EV? If so, reach out! We’re offering discoun...
11/05/2026

Rates are on the rise ⬆️
Fuel remains high ⬆️

Are you considering buying an EV? If so, reach out! We’re offering discounted rates when you finance with us. 💰

0490 541 880 ☎️

Address

Perth, WA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61403417710

Website

Alerts

Be the first to know and let us send you an email when Mortgage Choice Ray Wilson 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 Mortgage Choice Ray Wilson:

Shortcuts

Featured

Share

Category