YourLoan Options

12/03/2026

Did you know that you may be able to purchase a property with as little as 10% deposit? Not restricted to First Home Buyers and open to all professions. No government schemes, just genuine lender offers.

12/02/2026

If you’re not sure whether to switch lenders, you’re not alone.
Rates change, cashback deals come and go, and most people only find out they’re on a high rate years later.

If you want to know if how your rate compares, send me a message and I will check. It only takes a few minutes.

Send a message to learn more

11/02/2026

Signs your rate might be too high

Most people don’t refinance because they dislike their lender or loan. They refinance because they realise they’ve quietly drifted onto a bad rate.

A few common signs:

Your fixed rate ended 6 to24 months ago

You haven’t reviewed your loan in 2+ years

Your repayment jumped but nothing else changed

You’re on a “package” but don’t use the benefits

You’re not sure what rate you’re actually on

If you want a quick rate check, send me a message and I will check for you.

03/02/2026

The Reserve Bank has increased interest rates by 0.25% today. If you have a home loan, it is a good time to check what your rate is, especially is you haven't checked it in a while.

This also applies if your loan is through an SMSF. Those rates can drift over time too.

Happy to do a quick rate check for anyone who wants one. Send me a message or give me a call on 0416 422 432.

30/01/2026

Thinking about property inside super?
You don’t need all the answers and you don’t need to commit to anything.
A simple conversation can help clarify:
• Whether SMSF property is even an option
• What the structure would look like
• What questions you should be asking before going further
Sometimes the outcome is yes.
Sometimes it’s not right now.
Both are good outcomes when they’re informed.

If this series raised questions for you, feel free to reach out and start with a conversation.

28/01/2026

SMSF loans vs normal home loans
🏦 SMSF loans are not standard home loans
Key differences include:
• Higher deposits
• Different interest rates
• Stricter lending rules
• Longer assessment timeframes
Why?
Because lenders take on more risk under limited recourse rules.
This makes preparation essential
getting it right early can save time, stress, and money.

19/01/2026

What an SMSF can and can’t buy
🚦 Not all properties are SMSF-friendly
One of the biggest misconceptions is thinking any property will do.
With SMSFs:
✔ The property must meet strict rules
✔ It must be for investment purposes
✔ You can’t live in it (there are some exceptions for commercial property)
✔ You can’t renovate using borrowed funds
Residential and commercial properties are both possible — but the details matter.
📌 This is why advice and structure are critical before you sign anything.
👉 Next post: who SMSF property is actually suited to.

08/01/2026

How does buying property with an SMSF (Self Managed Super Fund) actually work?
When an SMSF buys property, it doesn’t work like a normal home loan.
The property is held in a separate trust, and the loan is limited-recourse — meaning the lender’s security is limited to that property only.
In simple terms:
• Your SMSF is the investor
• The property sits in a special holding trust
• Rent and expenses flow through the fund
• Everything must follow superannuation rules
This structure is powerful — but only when set up correctly.
👉 Next up: what you can and can’t buy with an SMSF.

05/01/2026

🏠 Did you know that you may be able to use your superannuation to invest in property?

A Self-Managed Super Fund (SMSF) allows you to use your superannuation to invest — including buying property through a limited-recourse loan.

✔ Long-term wealth building
✔ Rental income goes back into super
✔ Asset held for retirement

SMSF lending is very different from normal home loans, and the structure matters.

👉 Over the next few posts, we’ll break it down in plain English.

14/11/2025

🏡 Hi everyone! I’m Nicole—your local mortgage broker.
I love helping people understand their loan options, save money, and take the stress out of the home-buying journey. Whether you’re upsizing, downsizing, refinancing, or just curious where you stand, I’m always happy to help.

Reach out if you’d like a quick chat or a friendly review of your current mortgage.
Let’s make great things happen together! 💙

04/11/2025

💰 Interest Rates Are On Hold! 💰
The Reserve Bank has kept interest rates on hold, but that doesn’t mean your mortgage rate is still competitive.
If it’s been a while since you reviewed your home loan, now’s the perfect time to make sure you’re not paying more than you should.
📞 Send me a message or comment below if you’d like a free interest rate review — no obligation, just peace of mind.
Let’s make sure your rate is working for you, not against you!

29/10/2025

🌸 Inflation’s on the move again! 🌸

You’ve probably seen the news — inflation has increased again!
If it’s been a while since you checked your home loan, now’s a great time to make sure you’re still on a competitive rate. 🏡💰

I’m happy to take a quick look for you — no pressure, no fuss — just to see if there’s a better deal out there that could save you some money each month.

Send me a message or comment below and I’ll be in touch. 😊

A simple chat could end up saving you a lot over time!

Send a message to learn more