Chris Rathgen - Market Street Finance

Chris Rathgen - Market Street Finance At Market Street Finance we compare loans from over 30 different Bank and Non-Bank lenders Are you getting the best possible deal from your Bank?

Compare Financial Services are constantly checking to make sure you are still getting the best deal long after your loan has settled. Does your bank call you to tell you there is a better deal at another Bank? You have already made the first step to finding the best loan! Chris Rathgen is a Credit Representative (Credit Representative Number 399433) of BLSSA Pty Ltd (Australian Credit Licence No.

391237) with close to 15 years’ experience. Contact me directly on 0438 847 477 today to see how I can assist you.

I’m proud to share that I’ve been named in LMG’s Top 10% of VIC Brokers for 2025 — and even prouder that my fellow direc...
25/11/2025

I’m proud to share that I’ve been named in LMG’s Top 10% of VIC Brokers for 2025 — and even prouder that my fellow directors Jonathan and Esha have also made the Top 10%! A massive thank you to LMG and our amazing clients and to our incredible team who keep everything running seamlessly behind the scenes. This achievement is a team effort through and through!

Wondering what the banks look for when they assess your home loan application?Let's take a look at the five Cs of credit...
29/06/2023

Wondering what the banks look for when they assess your home loan application?

Let's take a look at the five Cs of credit:
- Capacity: Can you afford to pay them back?
- Capital: How do your assets stack up against liabilities?
- Character: Do you manage your money well?
- Collateral: Are you buying a quality investment?
- Conditions: Is your situation compatible with paying back the loan?

Questions on how this applies to your situation? Get in touch!

If you're new to the home buying process, it can be overwhelming to understand all the terms and jargon associated with ...
27/06/2023

If you're new to the home buying process, it can be overwhelming to understand all the terms and jargon associated with home loans.

That's why we've all about breaking it down into easy to understand terms so you go into it with eyes wide open.

We're a jargon free zone and always explain the ins and outs of the process and products.

Understanding all things home loans will not only help you make informed decisions when you buy your first home, but will also give you confidence to keep climbing the property ladder.

So, you're thinking of investing in property? Great move!But, before you dive in, it's important to find the right loan ...
23/06/2023

So, you're thinking of investing in property? Great move!

But, before you dive in, it's important to find the right loan to finance your investment. Here are a few things to keep in mind:
- Loan Type: Decide between a variable, fixed, or split rate loan – each has its own pros and cons.
- Loan Amount: How much do you need to borrow and what's your loan-to-value ratio?
- Loan Terms: Can you swing a longer loan term with lower monthly payments or do you want to pay it off as fast as possible?
- Interest Rates: What interest rate do you need to secure to make it a worthwhile investment
- Features: Consider what you need - a redraw option, an offset account, a line of credit?
- Strategy: Do you intend to maximise capital gains, or are you seeking a cash flow positive property for passive income?

We're here to help you navigate the mortgage landscape and secure you a loan that meets your best interests. Get in touch to discuss.

Home loans can be complicated, but with the right strategy, you can make the most out of your investment.Whether you're ...
21/06/2023

Home loans can be complicated, but with the right strategy, you can make the most out of your investment.

Whether you're looking to pay off your mortgage faster, refinance your home loan, or renovate your property, we're here to help.

Our team of brokers can guide you through the process and provide you with personalised guidance to help you achieve your financial goals.

From negotiating a better interest rate to consolidating your debts, we're here to help you optimise your home loan and achieve a brighter financial future.

Drop us a message to find out more.

We're now a little way into the new year, but it's not too late to set your intentions and start good habits!The new yea...
17/06/2023

We're now a little way into the new year, but it's not too late to set your intentions and start good habits!

The new year brings opportunities to:
# Rejig your budget
# Set your property goals
# Make a plan to get there

Are you feeling overwhelmed by your big goals?

Get in touch if you'd like professional guidance.

In news that many of us expected, but absolutely no one (with a mortgage) wanted, the RBA have increased the cash rate t...
11/06/2023

In news that many of us expected, but absolutely no one (with a mortgage) wanted, the RBA have increased the cash rate to 4.1%.

This is the highest it's been in 11 years, and the 12th rate hike in 13 months. Brutal.

A lot of people with a mortgage are really feeling the squeeze right now.

We want you to know that we're here to help. Whether it's about repricing with your current lender or switching to a more competitive offer elsewhere, you may have options.

Get in touch for a no strings conversation.

The RBA have been steadily increasing the cash rate, which, if you have a home loan, will not be news to you.Assuming th...
09/06/2023

The RBA have been steadily increasing the cash rate, which, if you have a home loan, will not be news to you.

Assuming the banks pass on a 0.5% increase to their loyal customers, this is the impact you can expect to see on your monthly home loan repayments.

And it's why – when we help you secure a home loan – we make sure to add a buffer. This gives us all confidence that you can cope with these interest rate increases. After all, we only want you to commit to a home loan you can live with.

Get in touch if your loan is more than 12 months old or your circumstances have changed. We'll help you understand your options.

A home loan doesn't have to be forever. If you're keen for an early release, speak to us about how to pay down your loan...
04/06/2023

A home loan doesn't have to be forever.

If you're keen for an early release, speak to us about how to pay down your loan sooner.

By reviewing your loan, and then negotiating on your behalf, we may be able to help you secure a more competitive deal.

Get in touch to find out more.

There's a lot of noise about the perks of refinancing your home loan. And yes, it could save you big time.But a word of ...
01/06/2023

There's a lot of noise about the perks of refinancing your home loan. And yes, it could save you big time.

But a word of caution: make sure you consider all the costs of switching home loans, like exit fees, application fees, and any opportunity cost of doing without key features.

You also want to make sure that the product you end up with serves your best interests now and for the long term.

This is why when we refinance our clients' home loans, we make an assessment against all their needs, not just at what might seem 'the cheapest' on first glance.

Who's refinanced their loan recently? Who is thinking about it? Who is happy with their current home loan?

If you've been planning renovations or a new build then you'll know that construction costs have been creeping up, and n...
31/05/2023

If you've been planning renovations or a new build then you'll know that construction costs have been creeping up, and now the data's in to prove it.

According to CoreLogic, residential construction costs increased by a whopping 11% over the 12 months to September.

These rising costs will encourage people to buy property that's ready to move in to – bumping up competition for homes that are already renovated.

Whether you want to gain an edge at auction, or you're looking to draw from your equity to fund renovations, we can help you understand your options.

Address

Ground Level, 25 Palmerston Crescent
South Melbourne, VIC
3205

Opening Hours

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

Telephone

+61438847477

Website

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