LoanBuddy - Mortgage Broker

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Sydney, NSW
LoanBuddy - Mortgage Broker

👨‍🔧 First Home Buyers. Investors. Self Employed
⭐ 95+ 5* Reviews
💰 30+ Lenders

09/09/2026

Investment Loan Structure

Two investors, same property, same interest rate. One of them will be tens of thousands better off, purely because of how the loan was set up on day one.

Loan structure is the least glamorous part of buying an investment property and the part that quietly decides how the next ten years go. Two things catch people out more than anything else: letting the bank tie your home and the new purchase together as one security, and paying spare cash into the investment loan instead of into an offset. 🏘️

Tying both properties to one lender feels harmless right up until you want to sell one, refinance one, or pull equity out. Suddenly every move you make needs that lender's blessing.

The redraw one is sneakier because it is invisible. Money pulled back out of a loan can change the deductible portion of that debt, and plenty of investors find that out from their accountant a year too late. We are not accountants, but we can build the structure so your accountant has something clean to work with.

Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

02/09/2026

Buying Interstate

You can buy a house 1,400km away without ever standing in it. The risky part isn't the distance.

Plenty of Australians now buy in a state they've never lived in, chasing yield or a price point that stopped existing near them years ago. The logistics are the easy bit. Building inspectors, property managers and conveyancers all work remotely just fine.

What catches people out is that property law is state law. Cooling off periods differ, contracts get exchanged at different points, and stamp duty and land tax rules change the moment you cross a border.

There's also a lender angle nobody mentions: some lenders get twitchy about postcodes they consider high density or single industry towns, and will quietly cap how much they'll lend against them. Worth knowing before you sign, not after.

Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

26/08/2026

Myth: "My bank knows my finances best"

Your bank has watched your money for eleven years. It still quoted you a worse rate than the stranger who walked in yesterday.

This one is worth saying plainly: seeing your transaction history does not make a bank generous. Loyalty is not priced in, and in a lot of cases it is priced against you. New customers get the sharp advertised rate, existing customers get whatever they had, until someone asks.

The bigger issue is not pricing though, it is policy. Your bank has one credit policy and one servicing calculator. If your income is a bit unusual, casual, contract, bonus heavy, self employed, or you are counting rental income, that single set of rules decides your answer. Another lender might read the exact same payslips and land tens of thousands apart. 🤷

So a bank saying no is not a verdict on you. It is one opinion from one institution that only sells its own products.
Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

19/08/2026

The auctioneer does not care that your bank said "you're looking good".

At an auction there is no cooling off period. The hammer falls, you sign, you are legally committed, and the deposit is due that day. No finance clause to hide behind.

Which is why walking in on "my bank said I should be fine" is a genuinely risky way to spend a Saturday morning. A lot of pre-approvals are system generated, not properly assessed, and they can still fall over on a valuation, a credit check, or a lender policy nobody mentioned. 🔨

Before you raise your hand you want three things nailed down: your real ceiling, whether your approval has actually been looked at by a human, and how a lender is likely to value that specific property.
Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

12/08/2026

Three debts, three interest rates, three due dates. There's a reason you feel like you're not getting anywhere.

If you're juggling a car loan at 9%, a credit card at 20% and a home loan at 6%, your money is fighting a war on three fronts. Rolling those debts into your home loan can drop every dollar you owe to the lowest rate you have, and turn three repayments into one.

Here's the honest catch nobody puts in the ad: stretch a $20k car loan over 30 years and you can pay more total interest at the lower rate. Consolidation only works if the repayments stay aggressive after the reshuffle. 💪

Done properly, it frees up monthly cash flow and clears the expensive debt years faster. Done lazily, it just hides the problem inside a bigger loan. The difference is the structure, and that's a 20 minute conversation.
Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

04/08/2026

My kids won't inherit a property portfolio. I'd rather they inherit this instead.

I work with money all day, and here's what I'd actually teach my own kids about it: compound interest doesn't care how smart you are, it cares how early you start. A deposit isn't saved in one heroic year, it's saved in boring ordinary weeks stacked on top of each other. And debt isn't evil, but it should always be doing a job for you, not the other way around. 🏡

None of that requires a finance degree. It requires someone explaining it before the first credit card application, not after.

If you're at the stage where your kids (or you) are starting to ask the big money questions, we're always happy to talk it through in plain English.

Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

29/07/2026

Before our first chat, almost everyone asks the same question: "What documents should I send through?"

The answer surprises people: none yet. Every week someone emails through three years of tax returns, a stack of payslips and a colour-coded budget before we've even spoken - when the only thing that first chat really needs is an answer to one question: what are you actually trying to do? Buy sooner? Pay less? Free up cash for a reno?

The documents come later, and we'll tell you exactly which ones (it's a shorter list than you think). The first meeting is about direction, not paperwork. 🧭

So come with your questions, your maybes, and even the ideas you think are silly — those are usually the best ones.

Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

21/07/2026

"I'll buy when rates come down." Let's do the maths on that.

Say rates fall 0.50% next year. On a $600k loan that saves roughly $190 a month - real money, no argument. But if prices in your target suburb rise even 4% while you wait, that same property now costs $24,000 more, and your deposit has to stretch further to cover it.

Here's the part people miss: you can refinance a rate. You can't refinance a purchase price. 📉

This isn't "buy now" - sometimes waiting is right.
It's "know your actual numbers before you let a headline make the call for you".

Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

15/07/2026

The bank doesn't care what you paid. It cares what the valuer says.

Here's a step in the buying process that catches people completely off guard: after you've agreed on a price, the lender sends a valuer to decide what the property is worth to them. If that number comes back below your purchase price, the bank lends against the lower figure — and the gap comes out of your pocket.

It happens more than you'd think, especially in fast-moving markets where sale prices outrun recent comparable sales. A $30k shortfall on valuation can mean finding $30k extra deposit, paying LMI you didn't budget for, or losing the deal entirely. 😬

The good news: an experienced broker can often see a valuation risk coming and order valuations with multiple lenders before you're locked in.

Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

08/07/2026

"Just fix it" is not financial advice. Here's the actual trade-off.

Everyone's got an opinion on fixed versus variable, and most of it boils down to "what did my mate do." The real trade-off isn't about picking the winner — it's about what you're actually buying with a fixed rate: certainty. You know exactly what hits your account every fortnight, and that's worth something if your budget is tight or your life is about to get complicated (kids, career change, whatever).

What you give up is flexibility. Extra repayments are capped, redraw is often restricted, and if rates move the other way, you're locked out of the benefit. Variable gives you the opposite bargain — more room to move, more exposure to whatever happens next.

Neither one is smarter. It depends on how much certainty you actually need versus how much flexibility you'd miss.

Book a chat at loanbuddy.com.au/book-appointment/ or call us on (02) 9188 2138.

Address

Suite 19 103 George Street, Parramatta
Sydney, NSW
2150

Telephone

+61291882138

Website

https://www.loanbuddy.com.au/

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