Bec Farnsworth - Mortgage Broker

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Australia
Port Macquarie, NSW
Bec Farnsworth - Mortgage Broker

I’m a Port Macquarie local, passionate about helping my clients achieve financial success.

I have 10+ years experience in the finance industry across multiple roles and brands. Credit Representative 541050 is authorised under Australian Credit License 389328. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

27/08/2026

Kinda chic to have a home loan that actually supports your lifestyle instead of restricting it.

Let's review your lending options and make sure you aren't paying more than you have to.

17/08/2026

If you are planning to buy a property this Spring, the clock is officially ticking.

Historically, September through November brings the biggest wave of fresh property listings to the market. But with supply still incredibly tight in 2026, the competition for the good properties is going to be fierce.

Here is the secret weapon smart buyers are using right now: The 90-Day Pre-Approval.

Most bank pre-approvals last for exactly 90 days. If we get your application submitted and approved right now in mid-August, you are fully covered for the entire Spring selling season.

If you wait until you actually find a house to start sorting out your paperwork, you will be stuck in a banking bottleneck while another buyer swoops in and makes an unconditional offer.

Don't be the buyer scrambling for bank statements on a Friday afternoon.
Be the buyer who walks into the open home (or auction) with absolute confidence, knowing exactly what your budget is.

16/08/2026

Are you just guessing what your home is worth right now? 🤔

With property markets levelling out across several states, knowing your exact property value is more important than ever.
Why? Because it directly impacts your Loan-to-Value Ratio (LVR).

Here is the golden rule of lending: The lower your LVR, the sharper the interest rate you can negotiate. 📉

If you have built up equity over the last few years, you might have unlocked access to top-tier rates that your current lender isn't telling you about. Even in a high-rate environment, lowering your LVR is one of the strongest negotiating tools you have to get a better deal before the RBA decides to cut rates.

Stop guessing and let’s get you the facts. 💡

👇 Want to know where you stand?
Send me a DM saying "EQUITY" and I’ll run a free, professional property estimate for you today.

15/08/2026

Tired of hearing the phrase "higher for longer"?

With the Big Four banks now pointing toward mid-to-late 2027 for the next RBA rate cut, the "wait and see" approach is costing borrowers time and money.

While we can't control what the RBA does, we can control how prepared you are when lenders finally start slashing rates.
When that window opens, the rush to refinance will be massive. If your bank statements are messy or you don't know your current equity, you'll be stuck at the back of the line.

Swipe left 👈 to see the two things you need to be doing over the next 12 months to get your finances "match-fit."

Don't wait for the news to tell you it's time to act. Let’s get you ready now.

Ready to build your runway?
DM me the word "RUNWAY" and let’s run a free equity check to see exactly where you stand today.

02/08/2026

Service on a silver platter 🤍
Love to hear it x

01/08/2026

Thinking about buying off-the-plan in NSW? 🏗️✨

It’s an exciting way to step into the property market, but it requires a solid strategy. Here is what you need to weigh up:

The Perks:
More time to save: You secure the property with a deposit today, but you don't settle until it's built.
Potential government concessions: First-home buyers in NSW may be eligible for stamp duty exemptions or concessions!

The Risks:
Valuation shortfalls: If the market shifts before completion, the bank might value the property at less than the contract price, meaning you'll need to bridge the deposit gap.

Lending changes: Pre-approvals usually only last 3–6 months. If construction takes 2 years, your financial situation or interest rates will look different by settlement.

👉 The bottom line: Don’t sign a contract without getting your finances reviewed first.
Let’s make sure your strategy is rock-solid from deposit to handover. Drop me a DM to chat!

29/07/2026

If you feel like your borrowing power has completely plummeted in 2026, you aren't imagining things. 📉

Even though the cash rate has held steady at 4.35% for a while now, the rules around how banks assess your loan haven't changed.

The APRA 3% "Serviceability Buffer" is still firmly in place.

This means if you are applying for a standard home loan with an interest rate of around 6.10%, the bank legally has to assess whether you could survive paying 9.10%.

For many First Home Buyers and investors preparing for the Spring market, this buffer is the only thing standing between them and their property goals. You have the deposit, you can afford the real-world repayments, but you can't pass the 9.1% stress test.

So, what can we do about it?

While we can't change the 3% buffer, we can change who we apply with. Every lender has a different policy. Don't let one bank's strict calculator tell you what you can and can't afford.

Want to know your true maximum borrowing capacity?
Lets chat!

26/07/2026

If you previously wrote off government housing schemes because you worked too much overtime or your combined household income was too high, you need to look again.

The biggest hurdle for First Home Buyers in the Hastings region just got removed.

Late last year, the Federal Government completely overhauled the First Home Guarantee (now officially called the Australian Government 5% Deposit Scheme).

Here is exactly what changed for 2026:
👉 No more income limits: The old $125k (single) and $200k (couple) salary caps are completely gone. Whether you earn $80k or $250k, you are now eligible.
👉 No more waitlists: They removed the annual quota. If you have your 5% deposit ready, you no longer have to wait for the new financial year to secure a spot.

What does this actually mean for you?
If you have saved a 5% deposit and are looking at properties under the $800,000 regional NSW price cap, the government will guarantee the rest of your deposit.

This means you skip paying Lenders Mortgage Insurance (LMI) entirely, saving you tens of thousands of dollars in fees that you can keep in your offset account instead.

(Note: You still need to pass the bank's standard borrowing capacity tests, and with the cash rate holding at 4.35%, we need to ensure your serviceability is bulletproof before we apply).

Don't assume you need to save a full 20% deposit before you can buy in Port Macquarie.

25/07/2026

Have you been saving for a 20% deposit just to avoid paying Lenders Mortgage Insurance (LMI)?
You might not need to wait that long.

The Home Guarantee Scheme
(now officially known as the Australian Government 5% Deposit Scheme) has had some massive updates recently.

The government completely scrapped the income caps and the yearly waitlists.

This means if you have a 5% deposit and meet the standard lending criteria, you could get into the market much sooner than you thought, without wasting money on LMI fees.

The only catch? You need to make sure the property you want falls under the price cap for your specific postcode, and you must apply through a participating lender.

Would you like to check if your target suburb falls under the $1.5M or $800,000 price cap, or would you like me to help you find a participating lender?

Drop a comment below or send me a DM and let's find out what's possible for you!

23/07/2026

The investor landscape in 2026 is looking a little different.
Between tighter borrowing capacities and recent tax shifts, we are seeing a noticeable slowdown in the investor market.

But it’s not all headwinds. The silver lining right now is that rental yields in many pockets of the country are actually improving.

So, what does this mean for you?

If the market is changing, your loan structure shouldn't just sit there gathering dust. A changing market is the exact time to ask:
👉 Am I paying a "loyalty tax" on an uncompetitive interest rate?
👉 Does my current loan structure still support my long-term goals in this specific economic climate?
👉 Do I have equity I could be utilising better?

(Friendly reminder: I’m here to find the absolute best lending solutions tailored to your scenario, not to provide financial advice! Always chat with your accountant or financial planner for the investment strategy side of things).

If you haven't looked at your investment loan in the last 12-18 months, you might be leaving money on the table.
Don't set and forget.

Let’s do a quick health check on your portfolio to make sure your lending is working as hard as your investments are.

Address

Port Macquarie, NSW
2444

Website

http://www.farnsworthfinancial.com.au/, https://farnsworthfinancial.com.au/links.html

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