Shaz - Mortgage and Finance Specialist

Shaz - Mortgage and Finance Specialist Trusted Mortgage Brokers in Hillarys, WA, helping Australians achieve their homeownership dreams 🏡🍓

09/03/2026

Many investors use their savings as the deposit for an investment property. Structurally, that’s usually the wrong move. A smarter approach is to reduce your owner-occupied loan with those savings first, then re-borrow for the investment. This keeps the investment loan cleaner and generally preserves tax deductibility while also setting you up better for future purchases.

Disclaimer: This is general information only and not accounting or tax advice.





08/02/2026

People hear “equity” and think it is all usable. It is not.
If your property is worth $800k and your loan is $400k, your equity is $400k.
But banks only lend up to 80 percent. That means usable equity is $240k, not $400k.
Understand this properly before planning your next purchase or you will overestimate your borrowing power.





07/02/2026

Mixing owner-occupied and investment loan splits is a rookie mistake.
Once you contaminate the splits, you lose interest tax deductibility permanently. Banks won’t fix it later and accountants can’t undo it. Structure it right from day one or you pay the price for years.



06/02/2026

Approval is easy.
Fixing a bad loan later is expensive.
Structure it right from day one.

05/02/2026

Property investment mistakes in Australia rarely look like mistakes at the start. They show up later as higher tax, reduced borrowing power, and stalled portfolios. Structure decides how far you can actually go. Talk to a broker before you lock yourself in.





04/02/2026

Buying an investment property in
Australia without the right structure is a costly mistake. The wrong setup can kill tax benefits, reduce borrowing capacity, and limit future purchases. Structure it correctly from day one. Fixing it later is expensive.

03/02/2026

The RBA has increased the cash rate.
Banks usually hike rates immediately but delay reductions.
Fixed rates were already increased over the last 1–2 months, which clearly signalled this February move.
If your home loan has not been reviewed in the last 12 months, there is a high chance you are paying more interest than you should.
This is not about chasing the lowest rate. It is about timing, structure, and strategy.
Call me to get a clear answer on whether you should act, restructure, or stay put.




02/02/2026

This wasn’t about earning more or taking extra risk. A simple refinance from 6.39% to 5.24% freed up $350 a month. By keeping repayments the same, the loan started shrinking faster instead of the lifestyle inflating. Over time, that decision saves $135,000 in interest and cuts 6 years off the mortgage. This is how mortgages are meant to work.





01/02/2026

Most people think you need a 20% deposit to buy a home. That’s outdated thinking. Government and bank schemes allow purchases with as little as 2–5% deposit. The catch is eligibility, limits, and structure. Know the rules before assuming you’re priced out.



30/01/2026

If your fixed home loan rate is ending soon, doing nothing is the most expensive option. Once the fixed period ends, banks quietly push you onto a higher revert rate. A quick review with a mortgage broker shows your real options. Reprice, refinance, or restructure before the damage starts.

29/01/2026

If the bank approves you for the max and you take it, you didn’t “win”. You trapped yourself. No buffer, no flexibility, no margin for rate rises. That stress you feel isn’t bad luck, it’s bad borrowing. Smart borrowers leave capacity unused.




27/01/2026

Should you pay LMI (lender’s mortgage insurance) or save up for 20% deposit?

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Suite B3A 32 Endeavour Road
Perth, WA
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