ACE LOANS

With over 18 years in banking and credit risk management, we specialize in Residential and Commercial Lending, Asset Finance, and SMSF Loans.

We help clients build wealth with tailored lending solutions that fit their property journey and goals 😊📙😇💐 Nimesh Patel is a credit representative (Credit Representative Number 549597) under ACE LOANS (ABN 13 674 624 189) is a credit representative (Credit Representative Number 556646) of outsource Financial Pty Ltd (Australian Credit Licence 384324). This is general information only and is subje

ct to change. Your complete financial situation will need to be assessed before acceptance of any proposal or product. If you would like a copy of our privacy policy please email us at [email protected]

03/02/2026

📈 RBA Update: The official cash rate has increased to 3.85%.
This can impact home loan repayments and borrowing power.
Now is a good time to review your loan options and stay ahead.

🏡💼 We’re here to help you navigate the changes.

30/01/2026

👉 Can you use the equity in your home to get a loan? 🏠

20/01/2026

💡Do you really need to refinance to get a better mortgage rate?
Not always.

Sometimes, a simple review and negotiation with your current lender can do the trick — especially if your equity position has improved.
And if they won’t move? Refinancing may unlock better rates, features, or cashback offers.

👉 The key is not assuming you’re stuck with an old rate.

📌 Review. Ask. Then decide.

🏡📊

01/01/2026

✨ Welcome to 2026! ✨

A new year brings fresh possibilities, renewed focus, and the opportunity to move forward with confidence.
Wishing you a year of clarity, growth, and positive momentum — personally and professionally. 🌟

Thank you for being part of the journey. 🏡💼

11/12/2025

The 2026 property shift almost everyone is overlooking. 🏡

21/11/2025

🏡 Quick Guide to Using Home Equity for Investment

Tapping into your home's equity can fast-track your investment property purchase. Here are the essential steps:

1. 🔎 Estimate Current Home Value: Find out your property's market worth through comparable sales, a valuation, or a property report.

2. 💰 Calculate Accessible Equity: Determine the difference between your home's value and your current mortgage balance. Remember, lenders typically only allow you to access up to 80% of the value without incurring LMI (Lender's Mortgage Insurance).

3. 📊 Assess Borrowing Capacity: Accessible equity isn't enough; you must prove you can afford the new, higher repayments. Consult a mortgage broker to confirm your serviceability.

4. 🏦 Review Loan Options: Explore refinancing your current loan or setting up a new investment loan. Note that investment loan interest and costs may be tax-deductible, but rates are often higher.

5. ✍️ Apply and Settle: Once you've chosen a loan and found a property, your broker will manage the application and settlement process, handling the paperwork and lender requirements.

⏩️ Ready to start investing? Call or DM us today to unlock your home's equity!

20/11/2025

📢 Vic property news - Government looking to pass this change in 2026.

17/11/2025

Stop believing these 3 LIES about buying a home in 2025: 🛑

❌ LIE 1: 'Rates are too high, I'll wait.' ❌ LIE 2: 'My credit isn't good enough.' ❌ LIE 3: 'I need 20% down.'

Last week, we talked to 7 people with these concerns, and we proved 5 of them wrong.

The Real Secret: 🔑 You don't need perfect credit 📉 or a massive down payment. 💰 You just need a partner who knows how to structure a smart strategy 🛠️ for this market.

If you think you're stuck on the sidelines, let's connect. Your dream home might be closer than you think. 🏡 Our team is happy to show you how!

What's your biggest hurdle right now? Drop it in the comments below (or send us a DM)!

05/11/2025

May Guru Nanak devji’s teachings enlighten our path. 🙏🏽
💐

21/10/2025

🏙️ Great news for Aussie renters & investors! 🇦🇺

A new global report by DWS Group has found that while residents across most major cities in the US, Europe and Asia Pacific spend an average of 38% of their income on rent 😬 — Aussies are doing much better!

💡 Brisbane, Melbourne and Sydney all ranked in the world’s top 10 most affordable cities, with residents spending no more than 27% of their take-home pay on rent. 🙌

That means Australian cities still offer strong housing balance and value, even as global rents soar. 🏡✨
Source: The Australian Financial Review 🗞️

15/10/2025

City to country 🏙️➡️🌳 — the movement grows stronger! More Aussies are swapping the hustle for space, serenity, and a better lifestyle. 💚🏡

06/10/2025

💬 RBA’s message is clear — no rate cuts on the horizon.
💪 Our system’s strong.
🏠 Households are coping.
🌏 But global uncertainty’s still high.
📉 So 2025 looks steady — not speedy.
Stability first.

Address

Lvl G 80, Dorcas Street
Southbank, VIC
3006

Telephone

+61433102529

Website

https://aceloans.com.au/

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