Sharon Farrar - The Loan Coach

Sharon Farrar - The Loan Coach A Mortgage Express Broker | Finance Coach | Lending Specialist
Investors | First Home Buyers | Upsizers | Sea and Tree Changers | Renovators | Refinancers.

Whatever your stage on the finance journey we make it possible. Margareter Pty Ltd | ABN 50 117 146 585 an Authorised Credit Representative of Astute Financial
Management Pty Ltd | ACN 093 587 010 | Australian Credit Licence 364253

General Advice Warning:
This communication contains general information only and in no way
constitutes the provision of professional advice, nor should it be reli

ed on as a substitute for financial,
credit, accounting, legal or other professional advice. We have not taken into account your financial
situation, investment objectives or particular needs. Before making an investment or financial decision,
a person must seek appropriate independent professional advice and also consider whether this
information is appropriate to their needs, objectives and circumstances.

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣⁣One-in-three Gen Xs expect that they'll still be paying ...
07/09/2026

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣
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One-in-three Gen Xs expect that they'll still be paying off a home loan in retirement, according to a Citro/AMP report.⁣
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But there are ways to potentially clear the slate sooner. 💡⁣
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Refinancing could see you save with a lower rate (just try not to extend the home loan term). ⁣
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An offset account can also put spare funds to work by reducing the interest charged on your home loan each month.⁣
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Meanwhile, making consistent extra repayments more often can help chip away at the loan balance. 📉⁣
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Call us for more tips to potentially be mortgage-free by the time you retire. 👇⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

04/09/2026

🏠 Could your home be negatively geared one day? 🏠⁣⁣
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New negative gearing rules that take effect from mid-2027 only apply to properties purchased after 12 May 2026. ⁣⁣
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So your home could be eligible for negative gearing in the future as an investment property. ⁣⁣
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Chat with your accountant or financial adviser first. ⁣⁣
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And then DM us to understand your finance options. 👇⁣⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣⁣That's the latest survey data from Compare the Market.⁣⁣But bewa...
02/09/2026

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣
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That's the latest survey data from Compare the Market.⁣
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But beware: lenders may check that financial support is a gift, not a loan to be repaid. ⚠️⁣
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Otherwise it may reduce your borrowing capacity. 📉⁣
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And banks still want to be sure you can comfortably manage loan repayments. 🏡⁣
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Speak to us first to find out how mum and dad can potentially lend a helping hand - without leading to hiccups during your loan application. 👇⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

💳 The BNPL trap: how it could impact your home loan application 💳⁣⁣Buy Now Pay Later (BNPL) may be quick and convenient,...
31/08/2026

💳 The BNPL trap: how it could impact your home loan application 💳⁣
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Buy Now Pay Later (BNPL) may be quick and convenient, but it could affect your home loan application and/or credit rating. 🏡⁣
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That's because every time you apply for BNPL, it may trigger a credit check. 🔍⁣
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And too many credit checks can affect your credit score and be a red flag for lenders. 🚩⁣
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Late or missed BNPL payments can also be reported, which could reduce your credit score even further. ⁣
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Talk to us to know how BNPL could impact your loan application. 👇⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

28/08/2026

📈 Demand for first home buyer loans jumped 16% 📈⁣⁣
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It’s thanks largely to the expanded 5% Deposit Scheme. ⁣⁣
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Gen Z (18-25) has been the biggest benefactor, with Equifax reporting a 23% jump in home loan demand since October. ⁣⁣
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Could the 5% Deposit Scheme help you bring forward your home buying plans? ⁣⁣
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DM us to find out. ⁣⁣
👇⁣⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

🏡 Property listings climb higher, FOMO dials down 🏡⁣⁣Things are looking up for homebuyers, reports Domain. 📈⁣⁣Not so lon...
26/08/2026

🏡 Property listings climb higher, FOMO dials down 🏡⁣
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Things are looking up for homebuyers, reports Domain. 📈⁣
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Not so long ago FOMO (fear of missing out) was a driving force in the housing market. 😬⁣
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Today, new listings are up - while property prices in many parts of the country have plateaued (or even dipped).⁣
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That means buyers could have more negotiating power, and seller discounts are on the rise. ⁣
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It’s a trifecta that could see the stars align for your homebuying plans. ⭐⁣
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Contact us to see how you could benefit. 👇⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

📉 Lenders cut rates as competition heats up 📉⁣⁣There’s a “rate war brewing”, according to Canstar. ⁣⁣A rising tide of le...
24/08/2026

📉 Lenders cut rates as competition heats up 📉⁣
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There’s a “rate war brewing”, according to Canstar. ⁣
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A rising tide of lenders have cut their variable loan and short term fixed rates recently. ⁣
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The catch? ⚠️⁣
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Lower rates are usually reserved for new customers. 💡⁣
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The solution? 🤝⁣
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Refinancing could see you become a new customer, and benefit from a more competitive loan rate. ⁣
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Contact us to find out how. 👇⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

21/08/2026

📈 Home loan rate rising? Here are your options 📈⁣⁣
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Three consecutive rate hikes have wiped out last year’s rate cuts. But you don't have to just wear the higher interest rate. ⁣⁣
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Competition is heating up for your business among lenders - so it might be time to shop around? ⁣⁣
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Talk to us about refinancing. We’ll cast our net wide to help you save on interest. 👇⁣⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

🏡 Could your tax refund help wipe years off your home loan? 🏡⁣⁣The average tax-agent prepared tax refund is $3,550, acco...
19/08/2026

🏡 Could your tax refund help wipe years off your home loan? 🏡⁣
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The average tax-agent prepared tax refund is $3,550, according to H&R Block. ⁣
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Those extra funds could potentially help you pay off your mortgage sooner.⁣
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That’s because 100% of additional lump sum payments reduce your home loan principal. 📉⁣
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In turn, that lowers the total amount of interest you're charged each month thereafter.⁣
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So more of each of your following monthly repayments work harder to pay down the loan balance. 📊⁣
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Call us to know how to put your tax refund to work lowering your home loan. 👇⁣
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To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

💪 Two-thirds of home loan borrowers focus on paying down debt 💪⁣⁣A survey by Agile Market Intelligence shows 65% of home...
17/08/2026

💪 Two-thirds of home loan borrowers focus on paying down debt 💪⁣
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A survey by Agile Market Intelligence shows 65% of home loan borrowers are currently focusing on paying down their mortgage sooner. 🙌⁣
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Even small extra repayments can make a considerable difference over the long run when it comes to paying less interest and reducing your home loan term. ⁣
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Talk to us for strategies that could potentially help you clear the home loan slate sooner. 👇⁣
⁣
To find out more, DM us or contact Sharon on:

☎️ – 0418 294 935
💻 – [email protected]

Address

Sydney, NSW
2234

Telephone

+61418294935

Website

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