Matt Ewart - Prowest Financial Solutions

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Matt Ewart - Prowest Financial Solutions Specialists:
Business Finance
Investments Loans
Home Loans
Debt Consolidation, Restructure
Budgeting

Interest only keeps repayments lower, which helps cash flow, especially now that losses on established properties can't ...
17/10/2026

Interest only keeps repayments lower, which helps cash flow, especially now that losses on established properties can't be offset against your wages.

The trade-off is that you're not reducing the debt, the rate is often higher, and interest-only periods usually end after 5 years or so.

The right choice depends on your other debts, your plans for the property and how you want to use your cash.

When you work with us, we'll ask you a lot of questions. It's all about getting to know you, so we can craft a strategy ...
15/10/2026

When you work with us, we'll ask you a lot of questions. It's all about getting to know you, so we can craft a strategy that will serve your needs, now and for the long-term.
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It's amazing how the right guidance can make such a difference to someone's situation, and it's our absolute privilege to share our finance know-how with our clients.⠀⠀⠀⠀⠀⠀

Equity is the difference between your property’s market value and what you still owe on the loan.Let's map out a scenari...
13/10/2026

Equity is the difference between your property’s market value and what you still owe on the loan.

Let's map out a scenario:
– Property value = $800,000
– Loan balance = $500,000
– Equity = $300,000

Equity can be a powerful tool to:
– Fund renovations
– Refinance for a better rate
– Buy an investment property

Want to know how much equity you have? We can run the numbers.

Shelter is a fundamental human need, but owning a home goes beyond this. It's about security and comfort. It's having a ...
03/10/2026

Shelter is a fundamental human need, but owning a home goes beyond this.

It's about security and comfort.

It's having a safe place to spend quality time with friends and family.

It's the confidence and satisfaction that comes from achieving a big goal.

And it's why we're so passionate about making sure your home loan never feels like a burden.

We do this by:
– Helping you borrow only what you can comfortably afford to pay back.
– Educating you on which features will enhance your situation.
– Being here to refine your solution as your needs change.

If you want to buy your first home, or your next home, we want to help you do it right. Reach out to book a meeting with us.

With reports floating around that homebuyers now need to save up to $100k more for their deposit (than four years ago), ...
01/10/2026

With reports floating around that homebuyers now need to save up to $100k more for their deposit (than four years ago), we figure it's time to share this reminder:

📣You don't necessarily need a 20% deposit to buy your first home📣

There are other ways to get your foot in the door, including:
– Accepting a cash gift (usually from your parents)
– Being in a profession where banks waive LMI
– Taking up lenders mortgage insurance
– Asking family to go guarantor

Get in touch to understand your options.

Lenders Mortgage Insurance (LMI) gets a bad rap.And yes while no one wants to pay an extra insurance (that protects the ...
29/09/2026

Lenders Mortgage Insurance (LMI) gets a bad rap.

And yes while no one wants to pay an extra insurance (that protects the bank, no less), it can be difference between getting into the property market now vs much later.

We'll definitely look at ways you can avoid paying this insurance, but as far as your long term property strategy goes, paying LMI may end up being in your best interests.

Get in touch to understand more.

The RBA have decided to increase the cash rate by 25 basis points. It’s now sitting at a 15 year high of 4.6%. The banks...
29/09/2026

The RBA have decided to increase the cash rate by 25 basis points. It’s now sitting at a 15 year high of 4.6%.

The banks will likely pass this increase on to borrowers, and we know it all adds up.

On a $750k home loan, for instance (assuming a standard 30 year principal and interest term), jumping from a 6.5% interest rate to a 6.75% interest rate would increase your monthly repayments by $124.

If you’re feeling the squeeze, or just want to find out if there’s a better solution for you, get in touch with us to find out the most up-to-date options.

A better solution may be just a phone call away!

If you're thinking about investing in property, you may have come across the term 'cross-collateralisation'.What it mean...
28/09/2026

If you're thinking about investing in property, you may have come across the term 'cross-collateralisation'.

What it means is that you use more than one property as security for your mortgage, instead of the usual one property (i.e. the property that you're buying).

What this could look like, as an example, is if you owned your $1M home outright (congratulations!) and you wanted to buy a $500k investment property, but didn't have the 20% cash deposit, you could offer your $1M home as security.

This would mean you'd be borrowing $500k and that this loan would be secured against two properties worth $1.5M in total, meaning you wouldn't need to pay lenders mortgage insurance.

Like anything, there are pros and cons to this approach. Get in touch for help understanding the risks and how to optimise your lending products.

Is 2026 going to be the year you climb the property ladder? Sounds like a plan, but we bet you've got a whole heap of ot...
27/09/2026

Is 2026 going to be the year you climb the property ladder?

Sounds like a plan, but we bet you've got a whole heap of other tasks on your plate.

One of the biggest benefits of our service is that we take care of all the paperwork and guide you through the mortgage process from start to finish.

From completing the loan application to negotiating with lenders and handling the closing documents, we'll be with you every step of the way.

It's about saving you time and hassle, and giving you peace of mind knowing that a professional is handling your home loan.

Contact us and we'll make the mortgage process as seamless as possible.

Here's bit of a rundown on how the banks assess whether it makes sense to lend you money for your property purchase...al...
25/09/2026

Here's bit of a rundown on how the banks assess whether it makes sense to lend you money for your property purchase...also known as 'The 5 Cs of credit'

Character: Refers to your reputation for paying debts on time and your willingness to repay the loan.

Capacity: Is your ability to repay the loan, based on your income and existing debts.

Capital: Means your net worth and the value of assets you can offer as collateral.

Collateral: Refers to the property you're purchasing or using as security for the loan.

Conditions: Are the overall economic conditions and how they may affect your ability to repay the loan.

Want to make sure you put your best foot forward? Ask us how!

Address

Level 20 , 140 Street Georges Terrace
Perth, WA
6000

Telephone

+61459826916

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