Mortgage Choice in Pyrmont

18/09/2026

Buying your first home?

Buying your first home?

Navigating government incentives and lending policies can be overwhelming! You're probably wondering:

• What are the latest gov't incentives for first-time buyers?

• How much deposit do I really need?

• Can I reduce or avoid stamp duty?

• What are my loan options?

• What should I look for when buying my 1st home?



Get all the answers at our FREE First Home Buyer Webinar on Wednesday 28th, October at 7:00 p.m. Register now and take the first step towards owning your dream home!
https://www.eventbrite.com.au/e/free-first-home-buyer-webinar-tickets-2001425532645

14/09/2026

CREDIT CARD REWARDS GAME OVER

From 1 October 2026, the RBA will ban card surcharges that consumers pay. On this day, the maximum interchange fee card issuers can charge merchants will fall to 0.30%, down from 0.80%.

If you collect Qantas Frequent Flyer points, Mastercard and Visa issuers will heavily dilute cards' benefits. Lounge access and complimentary insurance benefits will be scaled down for premium cards. Amex remains the best option for point accumulation, although it already diluted rewards point conversion to airline programs significantly in December 2025.

Moving forward, lenders' home loan packages may offer less value if you use them only to save on annual fees on premium credit cards.

RT 14/9/26

09/09/2026

Buying your first home?

Navigating government incentives and lending policies can be overwhelming! You're probably wondering:
• What are the latest gov't incentives for first-time buyers?
• How much deposit do I really need?
• Can I reduce or avoid stamp duty?
• What are my loan options?
• What should I look for when buying my 1st home?

Get all the answers at our FREE First Home Buyer Webinar on Wednesday 16th, September at 7:00 p.m. Register now and take the first step towards owning your dream home!

https://www.eventbrite.com.au/e/free-first-home-buyer-webinar-tickets-1996182433394

Your Guide to Buying Your First Home – Join Our Free Webinar!

01/09/2026

Buying your first home?

Navigating government incentives and lending policies can be overwhelming! You're probably wondering:
• What are the latest gov't incentives for first-time buyers?
• How much deposit do I really need?
• Can I reduce or avoid stamp duty?
• What are my loan options?
• What should I look for when buying my 1st home?

Get all the answers at our FREE First Home Buyer Webinar on Wednesday 16th, September at 7:00 p.m. Register now and take the first step towards owning your dream home!

https://www.eventbrite.com.au/e/free-first-home-buyer-webinar-tickets-1996182433394

29/08/2026

WEALTH DISTRIBUTION IN AUSTRALIA

TOP 10% $3,700,000
Top 5% $5,200,000
Top 1% $12,000,000

Most people don’t reach the top 1.00% from a payslip or through a mortgage broker getting you an ideal mortgage. It is inherited or unlocked through divorce.

RT 29/8/26

27/08/2026

A split loan is a home loan repayment option that allows a borrower to have part of their loan amount on a fixed interest rate and the other on a variable interest rate. This strategy provides the flexibility of a variable rate while still having the security of fixed repayments for some of your loan.

There is a lot you need to consider before deciding whether a split loan repayment model is the right option for you. If you want to learn more, just send me a message!

26/08/2026

MAJOR DEVELOPER COLLAPSES

Bathla Group currently has around 25,500 homes under construction, with a heavy concentration in the Northwest suburbs of Schofields and Tallawong.

If you think the government’s changes to negative gearing (limiting benefits to new or off-the-plan purchases) will actually help first-home buyers, you might want to think again.

Here’s the reality check on buying off-the-plan:
🔻 Valuation shortfall risk – What you paid for may not match what the bank values at. If the valuation comes in low, you will be left scrambling to cover the gap.
🔻 Personal circumstance risk – During COVID, many off-the-plan buyers were shut out of finance simply because they lost their jobs when the property was ready for settlement.
🔻 Unknown build quality – And in Bathla’s case? That might be a non-issue… because nothing may get built at all.

If you are considering off-the-plan and looking at borrowing more than 80%, proceed with your eyes wide open.

RT 27/8/26

24/08/2026

If you’re considering purchasing a commercial property for your business, you’ve come to the right place.

Mortgage Choice has been helping Australian businesses grow for more than 30 years. As small business owners, we understand small business needs.

We have access to a range of finance options for investors and business owners alike.

Reach out today to get started.

21/08/2026

Managing multiple debts can feel complex and overwhelming.

If you’re a business owner looking to consolidate debt, I can help.

Whether you want to streamline your finances or reduce the amount of interest you’re paying, consolidating your debt can offer significant benefits.

Reach out today to learn more.