Jarna at Loan Connectors

01/06/2026

29/05/2026

Little reset before another week ahead ☀️

Business, kids, life, goals ,it all moves fast.

Sometimes you need to slow down for a minute, get outside, clear your head, and come back focused.

Hope everyone has a good weekend 👌

28/05/2026

🚫 WHAT NOT TO DO BEFORE APPLYING FOR A HOME LOAN 🚫

You could earn good money…
Have a deposit ready…
And STILL get declined because of simple mistakes made right before applying.

Here are the biggest ones I see 👇

❌ Buying a new car on finance
❌ Applying for multiple credit cards
❌ Using Afterpay/Zip excessively
❌ Gambling transactions
❌ Changing jobs without speaking to your broker first
❌ Missing repayments on ANY debt
❌ Large unexplained cash withdrawals
❌ Maxing out personal loans or credit cards

One of the biggest misconceptions people have is:
“If I can afford the repayments, the bank will approve me.”

Unfortunately, it doesn’t work that way.

Lenders assess:

* Spending habits
* Account conduct
* Stability
* Existing debt
* Future risk
* Repayment history

I’ve seen people unknowingly reduce their borrowing power by tens of thousands of dollars simply by financing a car before applying for their home loan.

A quick conversation early can save you a huge amount of stress, time, and potentially stop you making a financial move that impacts your approval chances.

26/05/2026

A lot of people say the same thing…
“Let’s just wait a little longer and save a bit more.”

But here’s the problem with waiting:

While you’re saving more money, the market is often moving faster than you can save.

I was speaking with a client recently who was ready to purchase nearly 12 months ago.
They had the deposit.
Interest rates were lower.
Their borrowing capacity was stronger.

But hesitation stopped them from moving forward.

Fast forward to now:

* Property prices have increased
* Interest rates have risen
* Their borrowing power has reduced
* And the same property they could once afford is now out of reach

A lot of people don’t realise how borrowing capacity actually works.

When lenders assess your loan, they don’t assess you at the interest rate you’re receiving. They apply an additional servicing buffer on top , usually around 3%.

That means if your actual rate is 6%, the bank may assess your affordability closer to 9%.

This is designed to make sure you could still afford repayments if rates increase in the future.

The issue is:
As rates rise, so does the assessment rate.

So every time interest rates increase:
➡️ Your borrowing capacity can decrease
➡️ Your purchasing power can reduce
➡️ And the market may continue moving higher

Waiting doesn’t always make things easier.

Sometimes the better strategy is:
Buy what you can comfortably afford now, get into the market, and start building from there.

You don’t need your forever home as your first step.
You just need your first step.

29/04/2026

A lot of people delay buying to save a bigger deposit…
But while you’re saving, property prices don’t stand still.

That gap you’re trying to close?
It can grow faster than you can save.

If you already have a workable deposit, getting into the market sooner — even in a smaller or strategic purchase , can put you ahead.

It’s not about buying your “forever home” first.
It’s about getting a foot in the door and building from there.

Smart entry beats perfect timing.

If you’re unsure where you sit, get clear on your numbers first , you might be closer than you think.

16/04/2026

What my clients have to say ✨

Congratulations Jessica and Hunter on your first home 🏡
It was a pleasure helping you both through the process and getting everything in place. I’m really glad I could take some of that stress off your shoulders.
Wishing you both all the best in your new home and this next chapter.

02/04/2026

Your bank hasn’t called you in years…

But they’ve called the new customer down the street , offering them a better rate than you.

That’s called the loyalty tax… and Australians are paying billions in it every year.

Meanwhile, you’re quietly overpaying , just for staying put.

If you’re unsure where your rate actually sits, feel free to reach out , I can let you know exactly what you should be paying.

02/04/2026

Most people think they need to wait until the can afford their dream home…. That’s backwards. You can buy what you can now , get in the market and you let time, growth and equity do the heavy lifting. It’s the first step in building your future

27/03/2026

🤩 What my clients say!
A big thank you to Daniel for the amazing review. Buying your first home can feel overwhelming, but I’m glad I could make the process clear, smooth, and stress-free every step of the way.

19/03/2026

First Home Buyers . Thinking about buying?
Don’t start with properties. Start with your pre-approval.
*Know your real budget
*Be ready to make an offer
*Avoid wasting time
The buyers winning right now are the ones prepared before they start looking.
If you’re serious this year, get set up properly from day one.