We Know Loans

25/06/2026

It’s just over a month since the Federal Government unveiled its tax reforms on budget night. Here’s how property values are responding across the major cities. 🏙️

As a family owned and operated business Tru Garage Door pride ourselves on quality installation, service and repair of your residential garage door. Located in Rosebud, Victoria and servicing clients in the South Eastern Suburbs and Mornington Peninsula.

24/06/2026

🏡 How much do you really need to buy a first home? 🏡⁣
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Long gone are the days when you needed to save up a full 20% deposit (plus extra for other expenses!).⁣
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These days, you could need a deposit of just 5%, or even 2% if you’re a single parent, to buy a first home. 💰⁣
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For a $700,000 first home, a 5% deposit is $35,000.⁣
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Better yet, you may also be eligible for stamp duty exemptions/concessions or first home buyer grants.⁣
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Don’t forget to factor in other upfront expenses though. ⚠️⁣
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Legal fees, home insurance, stamp duty, and furniture removalists can all add up. 📦⁣
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Need help crunching the numbers and figuring out how much you could borrow? That's our specialty. 👇⁣
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To find out more, contact Derek on:
☎ – 0419 515 889
💻 – [email protected]

22/06/2026

🔁 A record number of Australians just refinanced their home loan 🔁⁣
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Looks like Australia is in the midst of a refinancing frenzy. ⁣
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The ABS says over 640,000 homeowners refinanced their home loan last year. ⁣
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That’s 73 loans refinanced every hour. ⏱️⁣
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Goes to show Aussie home owners are keeping their eyes on the ball when it comes to getting value out of their home loan. ⁣
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It’s also a cue to check in with us to see if your old loan still suits your needs. ⁣
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We’ll let you know if you could potentially save with a lower rate or improved loan features. 👇⁣
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To find out more, contact Derek on:
☎ – 0419 515 889
💻 – [email protected]

19/06/2026

🏡 Offset accounts surge as people manage rising rates 🏡 ⁣
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Instead of being paid interest on money in an offset account, the balance is deducted from your mortgage when interest is calculated each month.⁣
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And because you're then paying more of the principal each month, that reduces your home loan quicker, which also helps you save on interest long term. ⁣
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DM us to see if an offset account could work for you.👇⁣
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To find out more, contact Derek on:

☎ – 0419 515 889
💻 – [email protected]

17/06/2026

The mortgage broking industry has notched up an exciting record with the news that brokers now account for 81% of Australia’s residential lending market. Here’s why. 🙌

As a family owned and operated business Tru Garage Door pride ourselves on quality installation, service and repair of your residential garage door. Located in Rosebud, Victoria and servicing clients in the South Eastern Suburbs and Mornington Peninsula.

17/06/2026

🚩 Red flag habits that could hinder your home loan application 🚩⁣
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(Not so) fun fact: Lenders assess a borrower’s ‘character’ as part of a home loan application. ⁣
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It’s all about how responsibly you manage money and debts. 💳⁣
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Turns out 7 in 10 Aussies have red flag spending habits that could hurt their character check. ⁣
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Key red flags include spending on lottery tickets or scratchies, smokes or vapes, and even alcohol. ⁣
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Banks may comb through three months of bank statements to check out your spending habits. 🔍⁣
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What they’re looking for are spending patterns that could potentially derail your ability to make repayments. ⁣
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Talk to us for tips on getting your home loan application across the line. 👇⁣
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To find out more, contact Derek on:
☎ – 0419 515 889
💻 – [email protected]

15/06/2026

📱 Gen Zs urged to skip influencer advice 📱⁣
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Here’s a worrying finding. ⁣
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Money watchdog, ASIC, says two-thirds of Gen Zs (18–28) are turning to social media for financial information and help. ⁣
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Trouble is, that ‘help’ isn’t always high quality or trustworthy. 😬⁣
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And ‘advice’ from influencers isn’t based on personal needs. ⁣
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Let’s not even get started on social media being a hunting ground for scammers. 🕵️‍♂️⁣
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Buying a home is one of life’s most important financial steps - which makes getting tailored support pivotal.⁣
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And that's what we can offer. 🤝⁣
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Contact us to explore some home loan options that have been researched and matched for your needs. 👇⁣
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To find out more, contact Derek on:
☎ – 0419 515 889
💻 – [email protected]

12/06/2026

🤝 Broker versus bot? It’s no contest 🤝⁣
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The support of a broker eclipses anything an AI bot can dish up. That’s the finding of Great Southern Bank research. ⁣
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Financial decisions like buying a home are longterm and complex. ⁣
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That’s why we stay in touch every step of the way - even years after you've purchased.⁣
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Try saying that about a bot. DM us for human help.👇⁣
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To find out more, contact Derek on:

☎ – 0419 515 889
💻 – [email protected]

11/06/2026

Worried you’ll still be paying off your mortgage in retirement? New research shows you’re not alone. Here are five tips to help clear the slate before you hang up your work boots. 🥾

As a family owned and operated business Tru Garage Door pride ourselves on quality installation, service and repair of your residential garage door. Located in Rosebud, Victoria and servicing clients in the South Eastern Suburbs and Mornington Peninsula.

10/06/2026

☕ 5% Deposit Scheme helps 300,000+ first home buyers ☕⁣
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Forget years of living on instant coffee and baked beans! You may not need a 20% deposit to buy your first home. ⁣
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The 5% Deposit Scheme has helped over 300,000 first home buyers get into the market with just a 5% deposit. 🏡⁣
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And because your loan is guaranteed by the government, you don’t pay lenders mortgage insurance. ⁣
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There are no waitlists. ⏳⁣
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No income limits. 💼⁣
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No place limits. 📍⁣
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And you’re free to buy an established home or build a new place. 🏗️⁣
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Talk to us about the 5% Deposit Scheme. It could be the helping hand that brings forward your home-buying plans. 👇⁣
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To find out more, contact Derek on:
☎ – 0419 515 889
💻 – [email protected]