Jan Albien - Loan Market

08/06/2026

Getting your first home loan approved can feel like you're taming a fire-breathing creature made entirely of paperwork and confusion.

The good news: the 5% Deposit Scheme and Help to Buy programs exist to make that deposit hurdle a lot less terrifying.

You don't have to figure it all out on your own. Let's tame the beast together.

08/06/2026

Look, we're not going to pretend the property market has been a walk in the park lately. It hasn't. Prices are up, deposits take longer to save, and 'affordable suburb' has become a bit of an oxymoron. But Australia's homeownership rate has held steady at 62.7% for over a decade. The dream is alive, it just looks a bit different now.

We've broken down what that actually means for buyers in 2026 👇

https://broker.loanmarket.com.au/jan-albien/blog/the-australian-dream-is-changing-but-still-within-reach/

27/05/2026

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower interest, simpler repayments, and more room in your monthly budget.
We've put together a quick, no-jargon guide covering:
✅ What debt consolidation actually means
✅ When it might be worth considering
✅ The traps to watch out for
✅ Why structure matters

And if you're thinking about consolidating your debts or just want to simplify your finances, reach out, we're here to help.

Read our quick guide for more 👇 https://broker.loanmarket.com.au/jan-albien/blog/a-quick-guide-to-debt-consolidation/

25/05/2026

You've been saving. You've been planning. Now you're wondering… is now still the right time to build or renovate? 🤔

The honest answer: construction costs are rising again and this time, it's being driven by fuel price increases linked to global conflict, supply chain pressure, and rising material costs across steel, concrete and more.

What does that mean for you?
✔️ Shorter quote validity periods
✔️ Bigger contingency buffers needed
✔️ Finance structure matters more than ever

The good news? With the right planning, you can still move forward with real strategies to protect your project.

We've broken it all down on the blog, what's driving costs, what to expect, and how to plan smarter. 👉YourWebsiteURL/blog/what-to-expect-with-renovation-and-construction-costs-in-2026/

20/05/2026

Buying a home involves more than just the purchase price, it’s about your LVR. The Loan to Value Ratio is how banks assess their risk and determine your interest rate. If your LVR is over 80%, you might need to factor in Lenders Mortgage Insurance. Understanding this ratio early can help you plan your deposit strategy more effectively.
Reach out if you want to run the numbers.

17/05/2026

🏠 Shoutout to every parent who let a school catchment map guide their property search 😂 Zero regrets. All heart.

Whatever your ambition, we're here to help you make it happen.

15/05/2026

Petrol prices are climbing and every time you fill up, the case for an EV gets a little stronger. 🔋 ⚡

But the right answer still depends on your driving habits, your situation, and how you finance the purchase. Read the full breakdown on the blog and see what the numbers could look like for you. 👇

🔗 Read the full article → https://broker.loanmarket.com.au/jan-albien/blog/rising-petrol-prices-are-changing-the-ev-equation/

13/05/2026

It might feel like just another chore, but staying on top of your due dates is actually one of the easiest ways to keep more money in your pocket. Here’s why your future self will thank you:

🚫 Zero late fees. Those $30–$50 penalties add up fast.

📉 Avoiding those compounding interest charges means you aren't paying extra for things you already bought.

Improve your credit score. Consistent payments are a major factor in your credit score. A better score can mean lower interest rates on future big wins like a car or a home. 🏠

🤸‍♀️ No "did I pay that?" anxiety. Just peace of mind and a clear headspace.

Remember, auto-pay is your best friend. Set it, forget it, and watch your savings grow instead of your debt.

How are you hitting your financial goals this month? 👇

09/05/2026

03/05/2026

May the 4th be with you!

Brokers, we are and powerful allies in your refinancing journey, we make. Shop the galaxy of lenders for you, we will. Fight for the right loan terms on your behalf, we do.

Ready to see if refinancing serves you well, are you? Call us, you must. Waiting, we are. 🧘‍♂️✨