Rob Lowdon - Mortgage Consultant

20/08/2026

Spring is just around the corner and it’s traditionally the time of year when the property market starts to pick up pace.

We see more properties come to market, more buyers start looking and competition can increase.

That’s why being finance ready before you start seriously house hunting can make all the difference.

Getting your finances sorted early means you can:
✔️ Know your borrowing capacity
✔️ Understand your budget
✔️ Be ready to make an offer when the right property comes along
✔️ Avoid missing out while you’re still waiting for finance approval

If buying a home is on your plans this spring, now is the time to get your finance in order.

Have a chat with the friendly IMFS team and take the first step towards being ready when opportunity knocks.

www.imfs.com.au

11/08/2026

“Should I fix my home loan rate?”

It’s one of the biggest questions facing homeowners right now.

With interest rates continuing to influence household budgets, many homeowners are wondering whether locking in certainty is the right move - or if flexibility is more important.

A few factors to consider before making a call on what to do:

💡Can your budget handle changing repayments?
If you’re feeling the pinch and want to budget with confidence, fixed rates provide repayment certainty and make it easier to plan your finances.

💡How long do you plan to keep the loan?
If you're thinking of selling, refinancing or making major changes soon, a fixed rate may not be the best fit and you could incur break costs if you end the loan early.

💡Would a split loan suit you?
Some borrowers choose to fix part of their loan while keeping the remainder variable to balance certainty and flexibility.

💡Do you want – or currently have – an offset account?
Fixed-rate loans can limit features like offset accounts, which may be valuable if you want to use your savings to reduce the interest you pay while keeping access to your money.

There's no one-size-fits-all answer when it comes to interest rates. Whether you're considering a fixed, variable or split loan, the team at IMFS can help you understand your options and find a solution tailored to your needs – with no cost to you.

https://imfs.com.au/

06/08/2026

Our Vision:
“To be the first choice for trusted, professional and knowledgeable financial solution

04/08/2026

Find out before you start house hunting.

18/11/2025

Stop renting and start investing in your own future today. A home loan isn't just a transaction; it's the solid foundation upon which you build your life, your family's security, and your long-term wealth.

Imagine the feeling of unlocking your own front door, knowing every payment you make contributes directly to a tangible asset, a space customized entirely for you. We provide a clear path you need to transition from dreamer to homeowner, working with you to design the perfect loan structure that aligns precisely with your long-term financial goals, giving you the stability and confidence to plant roots and watch your equity grow year after year.

Let us help you take that decisive step toward realizing your ultimate goal of permanent ownership and financial independence.

For a complimentary, no-obligation review of your current financial situation, please feel free to contact me
0417178127
[email protected]

14/10/2025

📣 Understanding your equity

🔓 Your Property Equity Could Be the Smartest Tool You're Not Using

Whether you're growing your investment portfolio or refinancing for better terms, understanding your equity position is critical.

💡 Here’s what equity can do for you:
• Fund your next property without touching savings
• Access lower rates and interest-only options
• Restructure debt and improve cash flow
• Strengthen your Loan-to-Value Ratio (LVR) for future lending

✅ I help clients calculate usable equity, align with lender criteria, and structure deals that work.

📞 Ready to explore your options? DM me or book a quick call. Let’s turn your equity into opportunity.

04/08/2025

Purchasing your first home is an exciting milestone, and securing the right finance is crucial to making it a success

02/10/2024

Are you aware of your current interest rate?

Interest rates play a crucial role in determining your mortgage repayments and the total cost of your loan over its term. Staying informed about your rate and monitoring market trends is vital for making sound financial decisions, whether you're securing a first home loan or considering refinancing for a better deal.

Interest rates are influenced by several factors, including Reserve Bank, global financial markets, and the state of the economy. Even small changes—just a fraction of a percent—can have a significant impact on the total cost of your loan, especially if you're focused on paying down your mortgage efficiently.

For a complimentary, no-obligation review of your current financial situation, please feel free to contact me
0417178127
[email protected]

27/09/2024

When was your last home loan health check?

Circumstances can change, leaving your home loan less suitable than it was originally. A home loan health check can reveal if you’re paying too much.

What’s involved?
Having an expert do this for you can also take the stress out of the process for you. It is advisable to get this check done at least once a year, or if your circumstances change.

Questions to ask
• Am I paying an unreasonably high interest rate?
• Am I paying high fees?
• Am I happy with the service I receive?
• Does my loan give me the features I need?
• Can I pay off my loan faster?
• Am I paying for features I don't use?
• Have my financial circumstances changed?

Benefits
A home loan health check will generally cost you nothing and could save you thousands. Your home loan features could be improved, or you could find yourself with a lower interest rate.

A better payment structure could also be introduced, making your repayments more manageable.

Checking the state of your current loan could uncover the possibility of taking out additional finance, which can consolidate any other debt you may have, or help you purchase an investment property.

For a complimentary, no obligation review of your current financial situation please contact me on
0417178127
[email protected]

Send a message to learn more

17/04/2024

It can be an exciting but daunting process. With some specialist advice and help along the way, you’ll be able to find the right loan and, more importantly, get closer to owning your own home.

Want to know more? Download my guide https://bit.ly/3ZNcFK8