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Access Smart Lending - Mary Harford

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Sippy Downs, QLD
Access Smart Lending - Mary Harford

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With over 20 years in the Finance Industry I am here to help you with your Lending needs.
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04/11/2026

🤔 How lenders assess your borrowing power 🤔⁣
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Don’t assume lenders base what you can borrow solely on today’s interest rates. ⁣
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Banks are required to apply a 3% rate buffer. 📈⁣
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That can have a pretty big impact on how much you can borrow. ⁣
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Give the online calculators a miss. Talk to us for a clear idea of your borrowing capacity. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

02/11/2026

🏡 Younger buyers go big on deposits 🏡⁣
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Fun fact, today’s first homebuyers are saving bigger deposits than previous generations. 🏡⁣
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New research by Great Southern Bank shows Gen Z are most likely to put down an 11-15% deposit. ⁣
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By comparison, Baby Boomers typically started out with 5-10% deposit. ⁣
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It goes to show today’s first homebuyers are still nailing a solid deposit. 👏⁣
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Talk to us for hints and tips on buying your first home. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

28/10/2026

🏡 Could your tax refund help wipe years off your home loan? 🏡⁣
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The average tax-agent prepared tax refund is $3,550, according to H&R Block. ⁣
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Those extra funds could potentially help you pay off your mortgage sooner.⁣
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That’s because 100% of additional lump sum payments reduce your home loan principal. 📉⁣
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In turn, that lowers the total amount of interest you're charged each month thereafter.⁣
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So more of each of your following monthly repayments work harder to pay down the loan balance. 📊⁣
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Call us to know how to put your tax refund to work lowering your home loan. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

26/10/2026

🏡 Could multi-gen living help you onto the property ladder? 🏡⁣
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Searches for “dual-occupancy” homes have skyrocketed 385% in the past year, according to PropTrack data. 📈⁣
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Searches for “dual-living” are up 100%. 📊⁣
And interest in granny flats has jumped 30%. 🏠⁣
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DM us to find out how you and your family can team up for an affordable home. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

21/10/2026

💼 How to get a home loan if you’re self-employed 💼⁣
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Over 1.7 million Australians run their own show. ⁣
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It can bring freedom, flexibility and financial rewards. ⁣
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But it may mean jumping through more hoops when it comes to taking out a home loan. 🏡⁣
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You may be eligible for a standard ‘full doc’ loan with just one or two years' financials. 📝⁣
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Or low doc loans can be available if you’re very new to small business. 📊⁣
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The main point is to speak to us to understand your options. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

19/10/2026

🛠️ Home renovations are on the rise, but keep an eye on costs 🛠️⁣
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Major bank NAB reports a 16% jump in demand for renovation loans nationally. 📈⁣
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The good news is that building costs have come off recent peaks. 🏡⁣
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But they always have the potential rise again - like they did when fuel prices increased a few months back. ⛽⁣
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The solution can be to build a buffer into your budget, and lock in quotes where possible. 💰⁣
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Talk to us for a renovation loan that can help your project become a reality. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

14/10/2026

⏳ How hard does the market usually bounce back after a downturn?⏳⁣
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Waiting for property prices to hit a cyclical low could potentially work against home buyers. 🏡⁣
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Domain research shows prices have risen 32% on average after each of the eight past downturns. 📊⁣
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If the market dips now, buyers could potentially purchase a house at a good price. ⁣
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But if you wait too long, the market could pick up again and you could be purchasing when buyer competition is fierce. ⁣
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Being prepared is key. Speak to us today about pre-approval and get started on your property journey. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

12/10/2026

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣
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One-in-three Gen Xs expect that they'll still be paying off a home loan in retirement, according to a Citro/AMP report.⁣
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But there are ways to potentially clear the slate sooner. 💡⁣
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Refinancing could see you save with a lower rate (just try not to extend the home loan term). ⁣
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An offset account can also put spare funds to work by reducing the interest charged on your home loan each month.⁣
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Meanwhile, making consistent extra repayments more often can help chip away at the loan balance. 📉⁣
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Call us for more tips to potentially be mortgage-free by the time you retire. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

07/10/2026

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣
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That's the latest survey data from Compare the Market.⁣
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But beware: lenders may check that financial support is a gift, not a loan to be repaid. ⚠️⁣
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Otherwise it may reduce your borrowing capacity. 📉⁣
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And banks still want to be sure you can comfortably manage loan repayments. 🏡⁣
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Speak to us first to find out how mum and dad can potentially lend a helping hand - without leading to hiccups during your loan application. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

05/10/2026

💳 The BNPL trap: how it could impact your home loan application 💳⁣
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Buy Now Pay Later (BNPL) may be quick and convenient, but it could affect your home loan application and/or credit rating. 🏡⁣
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That's because every time you apply for BNPL, it may trigger a credit check. 🔍⁣
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And too many credit checks can affect your credit score and be a red flag for lenders. 🚩⁣
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Late or missed BNPL payments can also be reported, which could reduce your credit score even further. ⁣
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Talk to us to know how BNPL could impact your loan application. 👇⁣
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To find out more, DM us or contact Mary on:

☎️ – 0412 180 512
💻 – [email protected]

Address

Shop 12/11 Chancellor Village Boulevard
Sippy Downs, QLD
4556

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

0412180512

Website

http://www.accesssmartlending.com.au/

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