Tamara Frost-Perth Mortgage Broker

Tamara Frost-Perth Mortgage Broker 📍 South Perth Based
🏡 Home Ownership/ Refinance
🏘️ Investment
📈 Growing your Business

04/08/2026

Same income. Different borrowing capacity.

Both couples earn a combined income of $170,000, have two children and a $30,000 car loan.

The difference is that one couple also has:

A $10,000 credit card limit
$12,000 per year in private school fees

Those extra commitments reduce their borrowing capacity by approximately $170,000.

This is why borrowing power isn’t based on income alone. Lenders also consider your existing debts, credit card limits, dependants and ongoing living expenses.

Even a credit card with no balance can still affect borrowing capacity because lenders generally assess the limit available.

Before you start house hunting, it’s worth knowing how your commitments affect what you can borrow.

Send me a message and I can run through the numbers with you.

Figures are indicative only and borrowing capacity varies between lenders.

I’ve seen a lot of people saying the budget changes have killed property investing.I don’t see it that way.Investing has...
30/05/2026

I’ve seen a lot of people saying the budget changes have killed property investing.

I don’t see it that way.

Investing has never been just about negative gearing. It’s about building wealth, creating options, generating cash flow, and planning for the future.

The opportunities are still there they just might look a little different than they did yesterday.

The question isn’t “Is investing dead?”
It’s “What’s the best strategy now?”

Most people review their phone plans more often than their mortgage 😅Your home loan should evolve with your life because...
26/05/2026

Most people review their phone plans more often than their mortgage 😅

Your home loan should evolve with your life because the right loan when you first bought your home may not be the right loan years later.

Income changes. Families grow. Goals shift. Policies change.

And different lenders can suit different situations at different stages of life

A mortgage review isn’t always about chasing the absolute lowest rate either.

Sometimes it’s:• better loan structure• offset features• borrowing power for future plans• reducing repayments• accessing equity• debt consolidation• or simply having a loan that fits your lifestyle better now

That’s why reviewing your mortgage against the market regularly can make such a big difference

23/05/2026

Same income… completely different borrowing power

One of the biggest things that changes your borrowing capacity over time isn’t always interest rates or your salary it’s life. Kids, bigger cars, new expenses, lifestyle changes… it all adds up.

Doesn’t mean don’t do it. It just means having a plan early can make a huge difference later when you’re wanting to upgrade homes, buy an investment property, or keep your options open 🙌

Your borrowing power at 25 probably won’t look the same at 35 and that’s okay… as long as you’re prepared for it.”

You technically can do it yourself.Just like you can cut your own hair, do your own tax return or diagnose yourself on G...
19/05/2026

You technically can do it yourself.

Just like you can cut your own hair, do your own tax return or diagnose yourself on Google 🤷🏼‍♀️

But when it comes to one of the biggest financial decisions you’ll ever make… having guidance matters.

A good broker isn’t just there to find a rate.
They help you structure things properly, avoid issues before they happen + explain the process in a way that actually makes sense.

Especially if you’re self-employed, FIFO, building, refinancing, buying your first home or just unsure where to start.

The goal isn’t just getting approved.
It’s making sure the loan actually works for your life.

Very little yoga, a lot of puppy cuddles 🐶🧘🏼‍♀️Honestly such a cute way to spend a Sunday. If you haven’t done puppy yog...
17/05/2026

Very little yoga, a lot of puppy cuddles 🐶🧘🏼‍♀️

Honestly such a cute way to spend a Sunday. If you haven’t done puppy yoga before I highly recommend it plus a portion of the proceeds goes towards animal charities which makes it even better 🤍 was so tempted to adopt the last puppy 🙈

Thanks to .australia for the cuddles ❤️

17/05/2026

Funny how every generation thought they were “too late” to buy property

But zoom out long enough and you realise:
People have been saying the same thing for 30+ years.

The market moves in cycles…
but long-term Perth property has consistently trended upward.

The hardest part usually isn’t timing the market
it’s taking the first step.

15/05/2026

A lot of people think they need to wait until they’re “ready” to use equity

But sometimes the smarter move is accessing it early and parking it in your offset so it’s there when opportunity pops up investment property, renovations, or future plans.

Big news for WA First Home Buyers The WA Government has announced changes to stamp duty concessions and property price c...
13/05/2026

Big news for WA First Home Buyers

The WA Government has announced changes to stamp duty concessions and property price caps, which could mean lower upfront costs and more options for buyers entering the market.

Some of the changes include:
• No stamp duty on established homes up to $600,000
• Stamp duty concessions up to $800,000
• Vacant land exemption up to $450,000
• Vacant land concessions up to $550,000

For many buyers, stamp duty has been one of the biggest hurdles when trying to save enough to purchase, so these changes could make a huge difference

If you thought you were still a little while away from buying, now could be a good time to revisit your options.

Whether you want to understand:
• How much you can borrow
• How much deposit you need
• First Home Buyer schemes
• Or what your repayments may look like

I’m happy to help 😊

PS: Existing clients I’ve spoken to over the last 6–12 months who were needing to save a little extra for stamp duty I’ll be reaching out to you 👀 But if you see this first, feel free to message me sooner!

11/05/2026

“What does the interest rate increase actually mean?” 🤔

For a $600,000 mortgage, if your lender passes on the full increase, repayments may go up around $25 a week.

That alone usually isn’t enough to cause major stress but rate changes are often a good prompt to review your loan and make sure you’re not just on autopilot

You’d be surprised how many people:
• Haven’t reviewed their mortgage in years
• Rolled off fixed rates without checking options
• Don’t know what features they’re paying for
• Or assume their bank automatically gives them the best deal

A mortgage isn’t really a “set and forget” kind of thing.

Sometimes the best outcome is refinancing. Sometimes it’s simply repricing your current loan. Sometimes it’s doing absolutely nothing but knowing you’re still in a strong position 😊

If you want help working out where you sit, send me a message.

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Pinjarra, WA

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