Matt Ewart - Prowest Financial Solutions

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Perth, WA
Matt Ewart - Prowest Financial Solutions

Specialists:
Business Finance
Investments Loans
Home Loans
Debt Consolidation, Restructure
Budgeting

04/06/2026

An offset account can be a powerful tool to reduce the interest you pay on your mortgage.

It’s like a savings account linked to your home loan, and the more money you have in your offset account, the less interest you pay.

For example, if you have $50k sitting in your offset account and a $900k mortgage, you'll only pay interest on $850k.

Curious about how much you could save? Let's chat about how an offset account can work for you.

02/06/2026

Does your HECS debt impact your ability to get a home loan?

It can, in that it impacts your borrowing capacity. Borrowing capacity, by the way, is essentially 'how much the bank is willing to lend you'.

Instead of lenders looking at the entire HECS debt though, as they would with a credit card or personal loan, they're more interested in how much you're having to repay each month.

This means the degree to which your HECS debt impacts your borrowing capacity depends more on your income than the overall size of the debt.

Think of it this way, it's your HECS debt repayments that make the difference. The banks are interested in this amount because it affects how much cash you'll have leftover to pay your mortgage.

Get in touch to find out how much you could borrow for your new home.

31/05/2026

While you don't necessarily need a 20% deposit for your home loan, your savings will play a part in the lender's decision to approve your application...or not.

Being able to show you're able to save money proves to the banks you're disciplined with your finances, which is a trait they find very attractive.

Get in touch for help putting together a savings strategy you can stick to.

30/05/2026

Thank you so much for your feedback, Kristiana! It was our absolute pleasure to help you.

"I had a wonderful experience with Matt. He was very attentive to my needs and answered every question big or small at anytime. I never felt unheard or lost and would highly recommend his services."

29/05/2026

Buying your first home is one of the biggest financial decisions you'll ever make, and often one of the most stressful. There's information overload, time constraints, an unfamiliar process, pressure to get it right, and of course fitting it all into your budget.

We love working with first home buyers months before they think they might be ready to buy – it's a great way to make sure they're set up for success.

If you plan to buy a place of your own this year, get in touch and let's go into the process with eyes wide open.

28/05/2026

Considering refinancing your home loan? Here are a few things to get crystal clear on:

🏠 The amount of equity you have in the property
💭 Your reason for wanting to refinance
💲 The costs of refinancing
🏦 Current interest rates

Contact us to discuss whether refinancing is a good option for you.

27/05/2026

Ever wondered why interest rates make headlines?

The interest rate on your mortgage isn't just a number – it determines how much your property really ends up costing you.

In a fluctuating market, keeping an eye on interest rates helps you make informed decisions and ensures your mortgage remains competitive.

Curious about your current rate? Let’s review it together to work out if it's serving your best interests.

26/05/2026

The Australian property market is proving to be extremely robust. And the home loan market is as competitive as ever, with lenders working hard to win your business.

This means there's never been a better time to get a second opinion. We research home loans for a living - so you don't have to!

25/05/2026

5 signs it may be time to refinance:
1. You’ve built more equity
2. Your interest rate is too high
3. You want to consolidate debt
4. You’re planning a big life change
5. Your loan features don’t suit your needs

Are you paying more on your mortgage than you should? These five signs might mean it’s time to refinance and save yourself some serious cash.

Whether it’s an outdated interest rate or an upcoming life change, we’ll help you explore your refinancing options. Don’t wait for the rates to change – let’s review your loan today.

DM us to start the conversation!

24/05/2026

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.

Address

Level 20 , 140 Street Georges Terrace
Perth, WA
6000

Telephone

+61459826916

Website

http://www.prowestfs.com.au/

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