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A job done properly usually looks like nothing much happening.No chasing, no second guessing, nobody lying awake wonderi...
31/08/2026

A job done properly usually looks like nothing much happening.

No chasing, no second guessing, nobody lying awake wondering what got missed. The whole thing just moves. That smoothness is not luck. It comes from the questions asked at the start, the ones about what someone is actually trying to do rather than what they think they should be asking for. Get those right and the rest of it tends to look easy from the outside. Vika described a weight lifting off, which is the version of this we aim for every time.

Thank you Vika!

Borrowing capacity isn’t a number you have. It’s a number a lender decides.Rental income gets discounted before it count...
26/08/2026

Borrowing capacity isn’t a number you have. It’s a number a lender decides.

Rental income gets discounted before it counts, commonly 70 to 80% of the gross figure. Living expenses get measured against a benchmark, and the higher figure wins. Bonus, commission and self-employed income all get shaded, and every lender shades differently.

Those are policy settings, written on their side of the desk. Which is why two lenders can look at the same file and land on numbers that aren’t close.

The work is knowing which lenders read your income the way it actually works, before you apply, because applying to find out leaves a mark on your file either way.

That’s the part I do. If you’re not sure how your income gets read, send me a message and I’ll tell you what I’d check first.

General info only, not credit or tax advice. Consider your own situation and seek advice before acting. Ryan Epa, authorised credit representative no. 000564412 under Mortgage Australia Group Pty Ltd, ACL 000377294.

Your loan file doesn’t get read. It gets matched.Someone with a clean record, steady income and years of on time repayme...
17/08/2026

Your loan file doesn’t get read. It gets matched.
Someone with a clean record, steady income and years of on time repayments gets declined. The same file goes to another lender and gets approved inside a week. Nothing about the person changed. What changed is whose rules it landed in front of.

Every lender writes its own. One counts your credit card by the limit printed on it rather than what you owe, so a card you clear every month still eats into what you can borrow. One won’t lend on that type of property no matter who’s buying it. One has already written more high debt loans than it wants this quarter and is holding the line tighter than it was three months ago.

None of that is published anywhere you can read it. None of it is about you. It’s a fit problem that looks like a judgement.

A decline tells you where you applied. It doesn’t tell you what you’re working with.

The work is knowing which lenders match your position before you apply, because applying to find out leaves a mark on your file either way.

That’s the part I do. If your loan hasn’t been looked at properly in a few years, send me a message and I’ll tell you what I’d check first.

General info only, not credit or tax advice. Consider your own situation and seek advice before acting. Ryan Epa, authorised credit representative no. 000564412
under Mortgage Australia Group Pty Ltd, ACL 000377294.

Repricing a loan and reviewing a loan aren’t the same thing.When a borrower tells me the lender dropped the rate the sam...
12/08/2026

Repricing a loan and reviewing a loan aren’t the same thing.

When a borrower tells me the lender dropped the rate the same afternoon they threatened to leave, we’ve already learned something. The margin was sitting there the whole time. It was never going to move unless someone made it move.

The question I ask next is what else changed. Often nothing. Not the years left running. Not whether the product still suits how the property is actually used. Not where the offset sits, or whether there’s one. Not the repayment arrangement. One number moved and the rest of the loan stayed as it was built years ago, around circumstances that may no longer apply.

Repricing takes a phone call and costs the lender the least of anything it could have given you. A review takes longer and is nobody’s job unless someone makes it theirs.

A cheaper version of a structure that no longer fits is still a structure that no longer fits.

That’s the part I do. If your loan hasn’t been looked at properly in a few years, send me a message and I’ll tell you what I’d check first.

General info only, not credit or tax advice. Consider your own situation and seek advice before acting. Ryan Epa, authorised credit representative no. 000564412 under Mortgage Australia Group Pty Ltd, ACL 000377294.

The rate that gets you in the door is rarely the rate you keep. Plenty of sharp offers are introductory, reverting to a ...
05/08/2026

The rate that gets you in the door is rarely the rate you keep. Plenty of sharp offers are introductory, reverting to a higher ongoing rate once the honeymoon ends, and those windows are often only a year or two long. The revert rate is usually the lender's standard variable rate, which can sit well above the number that drew you in.

One built in sense check is the comparison rate, which by law has to fold the revert into a single figure, so a big gap between headline and comparison rate is a signal worth reading.

Read the rate you end on, because that is the one you keep.

General info only - not credit or tax advice. Consider your own situation and seek advice before acting.

Ryan Epa, authorised credit representative no. 000564412 under Mortgage Australia Group Pty Ltd, ACL
000377294

Your emergency fund could be cutting your interest while still sitting untouched.An offset reduces the loan balance your...
30/07/2026

Your emergency fund could be cutting your interest while still sitting untouched.

An offset reduces the loan balance your interest gets calculated on each day, so money held in a separate savings account does nothing against your loan while it sits there. If you keep savings apart so you will not spend them, that instinct is worth protecting.

Whether you have to choose between the two comes down to your lender. Some allow only one offset account against a loan, so everything has to live together to count for anything. Others allow several, which lets you keep the emergency fund, the holiday money and everyday spending in their own accounts while the combined balance across all of them still reduces what you are charged.

Two things worth checking before you move anything. Offsets often sit inside packaged loans carrying an annual fee, so at low balances that fee can cost more than the offset returns, and savings interest and offset interest are treated differently at tax time, which is a question for your accountant.

Your lender decides whether keeping your savings separate has to cost you anything.

General info only - not credit or tax advice. Consider your own situation and seek advice before acting. Ryan Epa, authorised credit representative no. 000564412 under Mortgage Australia Group Pty Ltd, ACL 000377294.

Three words in this review are doing more work than the rest of it.'continues to be.'Craig and Elizabeth came to us to r...
30/07/2026

Three words in this review are doing more work than the rest of it.

'continues to be.'

Craig and Elizabeth came to us to refinance. That part concluded some time ago. The reason those two words are there is that a settled loan is not a finished piece of work, and someone should still be reachable when a question comes up months later with nothing to sell attached to the answer.

The other line worth sitting with is never imposing or applying pressure. Good structure does not need to be pushed. It just needs to be explained properly and then left with you.

Thank you Craig and Elizabeth!

Fortnightly only gets you ahead if the setup is right. When your fortnightly amount is exactly half the monthly one, 26 ...
29/07/2026

Fortnightly only gets you ahead if the setup is right. When your fortnightly amount is exactly half the monthly one, 26 payments a year add up to thirteen months and the extra lands on your principal. Some lenders quietly recalculate that away, splitting the annual figure into 26 instead, which erases the gain entirely.

Before you assume you are getting ahead, it is worth asking your lender directly how they set the payment. The frequency is not the lever on its own, the calculation method behind it is.

This one is won or lost in the fine print.

General info only - not credit or tax advice. Consider your own situation and seek
advice before acting.

Ryan Epa, authorised credit representative no. 000564412 under Mortgage Australia Group Pty Ltd, ACL
000377294

The most important line in this review is the last one.Joshua came to us for a first home. What is in that final sentenc...
23/07/2026

The most important line in this review is the last one.

Joshua came to us for a first home. What is in that final sentence is future investments and the properties still to come, which means this was never a single transaction with an end date.

First purchases rarely are. They are the opening entry in something longer, and how that first loan is set up shapes what is available later.
Being quick with documents and clear with explanations is the baseline. Being there for whatever comes after settlement is the actual work.

Thanks Joshua. Ready when the next one is.

General info only - not credit or tax advice. Consider your own situation and seek advice before acting. Ryan Epa, authorised credit representative no. 000564412 under Mortgage Australia Group Pty Ltd, ACL 000377294

A small offset balance still earns its keep. Because offset works against your loaninterest every single day, even a mod...
22/07/2026

A small offset balance still earns its keep. Because offset works against your loan
interest every single day, even a modest buffer trims what you are charged from the moment it lands. It never has to reach some magic number to start working.

One thing worth checking is that you have a genuine offset account, since some products market a redraw facility as though it were one, and they are not the same thing. The saving also tracks whatever you actually keep in there, so a balance that sits rather than swings does the most work.

A small balance quietly outperforms an empty one.

General info only - not credit or tax advice. Consider your own situation and seek advice before acting.

Ryan Epa, authorised credit representative no. 000564412 under Mortgage Australia Group Pty Ltd, ACL
000377294

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