Mortgage Choice Hornsby - Kapil Nepal

27/10/2026

⏰ Could just 4 hours of your time save you thousands on your home loan?

In this example, refinancing a $1 million home loan over 30 years could deliver approximately $70K in estimated interest and fee savings! 🏡💰 Kapil Nepal

19/10/2026

विजया दशमी २०८३ को हार्दिक मंगलमय शुभकामना!
🌺🙏
यस पावन अवसरमा तपाईं र तपाईंको परिवारमा सुख, शान्ति, समृद्धि र सुस्वास्थ्यको कामना गर्दछु। 🙏🙏

12/10/2026

🏡 Looking for your first home—but not sure where to start?

You’ve saved 47 properties, mentally decorated three kitchens and found out your dream home is… slightly outside your budget. By about $400,000. 😅

Before you fall in love with another kitchen, let’s work out what’s possible for you.

At Mortgage Choice Hornsby, we’ll help you understand:
✅ How much you could borrow
✅ The deposit and other costs to plan for
✅ Whether you could qualify for first home buyer schemes
✅ What happens next—from pre-approval to picking up the keys

No question is too basic. Everyone buys their first home for the first time. ❤️

📩 Message us or call on 0403 057 614 to connect with us 🙏

Bring your questions. We’ll bring the calculator—and keep the bank jargon under control. 😊

02/10/2026

02/10/2026

🏡 Could interest-only repayments help your investment property cash flow?

Do you want to pay💰 $1,112.41 less per month during the interest-only period, by deferring principal repayments?

Interest-only repayments can reduce your monthly outgoings and help manage the cash-flow shortfall on a negatively geared property.

Eligible investment loan interest may be tax deductible under either repayment option, while principal repayments are not. Interest only may suit your broader tax strategy—speak with your accountant about your circumstances.

Example: $800,000 investment loan at 6.24% p.a.

Principal & interest — 25 years remaining Interest only
$5,272.41/month $4,160.00/month

💰 $1,112.41 less per month during the interest-only period, by deferring principal repayments.

We can help review and restructure your investment loan to suit your needs. Contact Mortgage Choice Hornsby to discuss your options.

Disclosure: General information only, not personal financial or tax advice. Estimates assume the same 6.24% rate for both options, monthly repayments and no fees or offset. Actual repayments may differ, and interest-only rates may be higher. The loan balance does not reduce during interest only; repayments increase afterwards and total interest may be higher. Tax treatment depends on loan use and individual circumstances. Speak with your accountant for taxation advice. Subject to lender approval.

29/09/2026

📢 RBA CASH RATE UPDATE

The Reserve Bank of Australia has today, 29 September 2026, increased the official cash rate by 0.25% to 4.60% — the highest level since 2011.

For mortgage holders, this is another reminder of the importance of regularly reviewing your home loan. Even a small difference in your interest rate could make a meaningful difference to your repayments and overall interest costs.

🏠 Not sure if your current home loan is still competitive?

A home loan review could help identify potential savings or a loan structure better suited to your circumstances.

📞 Contact us on 0403 057 614 if you have any questions

22/09/2026

हार्दिक बधाई नबिन जी 💐💐💐

🏆 Special congratulations to Nabin Jee!

We’re so happy to share that Nabin Upadhyay was named Top Loan Administrator of the Year 2026 for NSW at the recent Mortgage Choice National Conference in Hobart! 👏

Nabin, you bring such care, patience and attention to detail to your work. Our team and our clients are lucky to have you by their side through the home loan journey.

This recognition is so well deserved. Thank you for everything you do.

Please join us in congratulating Nabin! 👏🎉💐

15/09/2026

घर किन्नुअघि हल्ला गर्ने छिमेकीहरू छन् कि छैनन् भनेर कसरी थाहा पाउने?

🏡 Buying a unit, townhouse or any strata-titled property?

Don’t just fall in love with how it looks—read the strata report!

A property inspection only shows you what’s visible. A strata report helps you understand the bigger picture so you can make a confident, well-informed decision.

It may reveal:

✓ Existing or upcoming building defects
✓ Maintenance issues and potential special levies
✓ The financial health of the strata scheme
✓ Important by-laws
✓ Disputes between neighbours
✓ Ongoing noise complaints

Knowing this information upfront could help you avoid unexpected costs, lifestyle issues and unnecessary stress later.

A little homework today could save you a lot of headaches tomorrow.

Before you buy, review the strata report carefully and seek professional advice where required.

11/09/2026

Nepalese household income was 34% above the Australian average 😲 based on 2021 Census data

Did you know Nepal-born Australians had a higher median household income than the Australian average in the 2021 Census? 🇳🇵🇦🇺

According to ABS Census 2021 data:

💰 Median personal income for Nepal-born Australians: $855 per week
Compared with $805 per week for Australia overall.

🏠 Median household income: $2,337 per week
Compared with $1,746 per week for Australia overall.

That means the median household income was around 34% higher than the Australian average.

One reason may be that many Nepalese households have multiple working-age adults contributing to household income.

But remember — these numbers are from 2021.

A lot has changed in the Nepalese community over the last five years: more people have entered professional careers, started businesses, bought homes and become established in Australia.

So here’s my question:

👉 What do you think these numbers will look like in the 2026 Census?

Higher again?
And what do you think will happen to Nepalese home ownership?

Comment your thoughts below. 👇

Source: Australian Bureau of Statistics, 2021 Census

29/08/2026

Our family extends its deepest sorrow and heartfelt sympathy to everyone affected by the devastating floods and landslides in Nepal. We have made a contribution to the Prime Minister’s Relief Fund to support the relief and recovery efforts.

No contribution is ever too big or too small—every act of support is invaluable. Let us all lend a helping hand according to our ability.
🙏🇳🇵