Mortgage Choice - Kelly Carter

Mortgage Choice - Kelly Carter Kelly is your Broker for Life, helping everyday people with lending solutions to buy property or lifestyle assets.

Her goal is to help you achieve your financial goals. Learn more or book a free discovery call https://linktr.ee/KellyCarterBroker

Sometimes you just need help seeing the possibilities 🥰
26/08/2026

Sometimes you just need help seeing the possibilities 🥰

🏡 Just because the bank says you can, doesn't mean you should.One of the biggest financial mistakes isn't borrowing too ...
24/08/2026

🏡 Just because the bank says you can, doesn't mean you should.

One of the biggest financial mistakes isn't borrowing too little, it's borrowing so much that your home loan starts controlling your lifestyle.

A good starting point is to aim for mortgage repayments of around 25–30% of your gross household income. For many households, this provides a balance between owning a home while still having room to enjoy life, save for the future and handle unexpected expenses. I know this is quite difficult to stay within this range within the current market, however if you are able to adjust your goals and needs, it may be more favourable to your pocket.

Everyone's situation is different:
💚 20–25% – Plenty of breathing room.
💙 25–30% – Comfortable for many households.
🧡 30–35% – Manageable, but your budget becomes tighter.
❤️ 35%+ – Higher risk of financial stress if life throws you a curveball.

Remember, borrowing capacity isn't the same as borrowing comfortably.

3 lessons travelling has taught me about money, debt and living a rich life ✈️💚Some of my greatest memories haven't come...
23/08/2026

3 lessons travelling has taught me about money, debt and living a rich life ✈️💚

Some of my greatest memories haven't come from the homes I've owned or the things I've bought.

They've come from watching the sunrise in a new place, laughing with family over a meal, taking the road less travelled and sharing experiences with the people I love.

Travelling has changed the way I think about money and surprisingly, it's also changed the way I think about debt.

Here are 3 lessons I've learnt:

1️⃣ Living modestly isn't living small. It gives you the freedom to live big.

There's a misconception that success is measured by having the biggest house, the newest car or the latest things.

For me, success is having choices.

By living within my means and keeping debt manageable, I've been able to say "yes" to experiences that have created memories my family will never forget.

Sometimes living a little smaller at home allows you to live a much bigger life beyond your front door.

2️⃣ The best things in life are often free.

Some of my favourite travel memories haven't cost a cent.

Watching a sunset.
Walking along a beach.
Exploring a local market.
Sharing stories around a dinner table.
Laughing until you cry.

Those moments remind me that happiness doesn't come from buying more.

In my experience, borrowing money in the hope that it will create happiness rarely ends well. Real joy comes from connection, purpose and making memories—not from accumulating more stuff.

3️⃣ There is freedom in owning less.

Travelling teaches you how little you actually need.

You quickly realise that life can fit into a suitcase, and the things that matter most aren't the things you pack.

Owning less means maintaining less.
Worrying less.
Paying for less.

And it creates more room for the things that truly add value—time, experiences, relationships and opportunities.

For me, wealth isn't measured by how much I own.

It's measured by the freedom to spend my time doing what matters most with the people I love.

That's the kind of future I want to help my clients build too.

💚 If debt is stopping you from living the life you dream about, maybe it's time to create a plan that gives you more freedom—not just a bigger loan.

📩 Book a Discovery Call and let's talk about building a future that supports the life you want to live.

Doo-ing a little detour and sightseeing.Average house value around $600k70km from HobartCute little coastal town with th...
21/08/2026

Doo-ing a little detour and sightseeing.
Average house value around $600k
70km from Hobart
Cute little coastal town with the best house names 😍

Have you ever had a Head Spa? My girls gave me a 90 min spa treatment for my birthday and I got around to booking it las...
20/08/2026

Have you ever had a Head Spa? My girls gave me a 90 min spa treatment for my birthday and I got around to booking it last week. What a way to relax into the weekend. 🥰 The ladies at Phoenix Spa are super lovely. If you are looking for something a little different to your standard massage or a gift for someone special, visit Phoenix Spa Port Macquarie Phoenix Spa

Travelling the journey with you ❤️
19/08/2026

Travelling the journey with you ❤️

There are times in life when financing your lifestyle assets makes sense.Obtaining finance secured by your new asset is ...
17/08/2026

There are times in life when financing your lifestyle assets makes sense.

Obtaining finance secured by your new asset is one way. It provides quick finance solutions and an easy application process. You would normally have a loan term up to 7 years and would have an average interest rate (typically not a high as a personal loan, but not as low as a home loan)

Another option is to use the equity in property. This is ideal for those who don't need to use their equity for other purposes. The application process takes a little longer, but you can secure a home loan interest rate. You can also select a longer loan term if it is needed to suit your budget.

If you are considering buying your lifestyle asset now while you are working and start adventuring before you retire, then reach out and let's compare the options.

https://linktr.ee/KellyCarterBroker

3 small money habits that changed my life 💚I've learnt that building financial confidence isn't always about earning mor...
16/08/2026

3 small money habits that changed my life 💚

I've learnt that building financial confidence isn't always about earning more money...

Sometimes it's about creating better systems with the money you already have.

Over the years, these 3 simple habits have completely changed the way I manage money:

1️⃣ Automate everything

The less I have to think about money decisions every week, the better.

My bills, savings, investments and important financial commitments are automated, which means the important things happen before life gets busy.

No remembering.
No last-minute panic.
No wondering where the money went.

I’ve reduced the admin, reduced the stress and created consistency.

2️⃣ Pay yourself first

One of the biggest mindset shifts I've made is understanding that saving and investing isn't what happens with "money left over"...

Because often there isn't any left.

I make sure future me is looked after first.

Before spending on the things I want today, I prioritise the things that protect and grow my future:
✔️ Savings
✔️ Investments
✔️ Extra repayments
✔️ Long-term goals

The best financial gift you can give yourself is knowing you are building something for the person you will become.

3️⃣ Have an emergency fund

Life happens.

Cars break down.
Things need replacing.
Unexpected expenses appear.

An emergency fund means that when my "now self" gets thrown a curveball, I have a buffer to fall back on.

It protects the important things:
🏡 My mortgage
💡 My bills
🛒 The essentials
❤️ My peace of mind

These three habits have meant I always know the important things are covered.

And that feeling?

It’s freedom.

Not because I never have financial challenges—but because I have a plan for when they happen.

Reducing the financial noise, creating better habits and watching my money grow has been life-changing.

Small habits.
Big impact.

💚 If you're wanting to feel more confident with your money, whether that's preparing to buy a home, reducing debt or building wealth, the first step is understanding where you are and creating a plan for where you want to go.

📩 Book a Discovery Call and let's talk about your next step.

Address

Port Macquarie, NSW
2444

Telephone

+61408499926

Website

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