BE Astute

BE Astute Be smart, BE Astute. Expert mortgage advice High performance is a term often used in sport and business. It’s also an apt description of Blake Edwards.

He is high performance personified. Blake’s an Olympian – competing for Australia at the Tokyo 2020 Games in the Water Polo competition. He’s also a Mortgage Broker with a multi-million dollar book that is growing by the week. Blake’s success as a Mortgage Broker builds on his experience and learning as a professional athlete who’s travelled the world playing for his country, while also completing

Business and Commerce degrees. While studying in California, Blake won several sporting and academic awards that recognised his commitment and dedication towards his athletic and professional career. Blake’s sporting journey has taught him that anything is achievable with the right mindset, effort, and commitment. It’s a philosophy he takes into business too. “I believe there is always a solution that can help my clients achieve their financial goals.”

And as one of his clients says “Blake is honest, hard working and dedicated to making a difference. He saved us thousands by proactively finding us the best interest rate he could.”

BE Astute with your money. With Blake Edwards, you can be assured you will get the attention you deserve from a man who only knows about high performance.

Big month from Lazar 👏Proud to share his March Google reviews — great results driven by great service.
02/04/2026

Big month from Lazar 👏

Proud to share his March Google reviews — great results driven by great service.

Sharing some of our client feedback from March.Grateful for the trust and proud of the results we’re delivering. 🙌
01/04/2026

Sharing some of our client feedback from March.
Grateful for the trust and proud of the results we’re delivering. 🙌

Real clients. Real results.This month we helped:• First home buyers get in with low deposits• Clients bounce back after ...
26/03/2026

Real clients. Real results.

This month we helped:
• First home buyers get in with low deposits
• Clients bounce back after bank declines
• Homeowners save thousands refinancing
• Finance a car through a private sale
• Recently self-employed clients still get approved

There’s always a way — you just need the right strategy and lender.

DM “PLAN” and I’ll map out your options.

Why did your borrowing power drop? 📉If you’ve recently checked your borrowing capacity and it’s lower than expected… you...
23/03/2026

Why did your borrowing power drop? 📉

If you’ve recently checked your borrowing capacity and it’s lower than expected… you’re not alone.

Here are the main reasons why 👇

1️⃣ Higher interest rates
As rates rise, banks reduce how much you can borrow to keep repayments affordable

2️⃣ Increased living expenses
Banks are applying stricter benchmarks on everyday spending

3️⃣ Existing debts
Credit cards, car loans & HECS/HELP can significantly reduce your borrowing power

4️⃣ Changes to lending policies
Banks regularly update their rules — even small changes can have a big impact

5️⃣ Lower income (or unstable income)
Bonuses, overtime, or self-employed income may not be fully counted

💡 The key takeaway:
Your borrowing power isn’t fixed — it can be improved with the right strategy

If you want to maximise what you can borrow (without overextending yourself), send me a message.

🚨 Interest Rate Update 🚨The Reserve Bank of Australia has increased the official cash rate by 0.25%, which means many bo...
17/03/2026

🚨 Interest Rate Update 🚨

The Reserve Bank of Australia has increased the official cash rate by 0.25%, which means many borrowers will likely see their home loan repayments rise in the coming weeks.

What does this mean for you?

If your lender passes on the full increase, here’s an example of how repayments could change:

• $500,000 loan → approx +$75/month
• $750,000 loan → approx +$110/month
• $1,000,000 loan → approx +$150/month

(Based on a 30-year loan term — actual repayments may vary depending on your rate and lender.)

What you can do:
✔ Review your current interest rate
✔ Check if refinancing could save you money
✔ Consider fixing part of your loan for certainty
✔ Use an offset account or make extra repayments if possible

With rates continuing to move, it’s a good time to review your loan and make sure it’s still competitive.

📩 If you’d like a quick home loan health check, feel free to reach out.

RateRise Refinance HomeLoanTips BEAstute

Fixed or Variable? Why not both. 🤝🏡If you’re unsure whether to lock in a fixed rate or stay on a variable rate, one opti...
09/03/2026

Fixed or Variable? Why not both. 🤝🏡

If you’re unsure whether to lock in a fixed rate or stay on a variable rate, one option worth considering is splitting your loan.

A loan split allows you to divide your mortgage into two parts:
• One portion fixed – giving you certainty with repayments
• One portion variable – giving you flexibility and features like offset accounts

This strategy can help you:
✔ Reduce the risk of choosing the “wrong” rate
✔ Maintain some flexibility if your circumstances change
✔ Balance repayment certainty with potential savings

⚠️ Every lender has different policies, and the right structure depends on your goals, cash flow, and future plans.

If you’re weighing up fixed vs variable, it might not need to be an either/or decision.

📩 Send us a message if you want to explore the right structure for your situation.

Fixed or Variable? Why not both. 🤝🏡If you’re unsure whether to lock in a fixed rate or stay on a variable rate, one opti...
09/03/2026

Fixed or Variable? Why not both. 🤝🏡

If you’re unsure whether to lock in a fixed rate or stay on a variable rate, one option worth considering is splitting your loan.

A loan split allows you to divide your mortgage into two parts:
• One portion fixed – giving you certainty with repayments
• One portion variable – giving you flexibility and features like offset accounts

This strategy can help you:
✔ Reduce the risk of choosing the “wrong” product
✔ Maintain some flexibility if your circumstances change
✔ Balance repayment certainty with potential savings

⚠️ Every lender has different policies, and the right structure depends on your goals, cash flow, and future plans.

If you’re weighing up fixed vs variable, it might not need to be an either/or decision.

📩 Send us a message if you want to explore the right structure for your situation.

PropertyAustralia HomeLoanAdvice

⚠️ System Pre-Approval vs. Fully Assessed Pre-Approval: Do you know the difference?We recently helped a client who learn...
04/03/2026

⚠️ System Pre-Approval vs. Fully Assessed Pre-Approval: Do you know the difference?
We recently helped a client who learned this the hard way. He had an offer accepted on a property based on a system-generated approval from a major bank. But because his income hadn’t been manually verified, the bank later declined the loan due to his short-term employment and variable income.
The deal was falling apart—until he called BE Astute.
We were able to:
1️⃣ Conduct a proper preliminary assessment.
2️⃣ Match him with a lender who understands complex income structures.
3️⃣ Use his prior employment history to validate his variable income.
Result: The deal was saved, the loan is unconditionally approved, and they are moving in!
Don’t rely on a computer algorithm to secure your biggest asset. Let us situate you with the right lender to mitigate risks before you put pen to paper.
DM us today to get properly assessed.

Last week, the team was on the ground in Sydney, catching up with our network of Bank Business Development Managers (BDM...
23/02/2026

Last week, the team was on the ground in Sydney, catching up with our network of Bank Business Development Managers (BDMs).

You might see us in red bucket hats having a laugh, but these meetings are a vital part of how we stay “Astute” for our clients.

Why does this matter for you and your mortgage?

Direct Lines of Communication: Having a strong personal relationship with BDMs means we pick up the phone and get answers quickly. If a deal is complex, we have the right people involved to advocate for you.

Inside Knowledge: These catch-ups give us first-hand insights into upcoming policy changes, new products and niches that aren’t always advertised.

Faster Turnaround Times: When we know people behind the scenes, we can often help navigate the application process more efficiently, getting you to “yes” faster.

At BE Astute we don’t just compare rates on a screen-we build relationships that help you across the line.

Ready to work with a team that has the right connections?

🔗 Head to the link in our bio or visit www.beastute.com.au to book your strategy session.

Nothing speaks louder than our clients’ experiences ⭐️Huge congratulations to Lazar on these incredible testimonials.
22/01/2026

Nothing speaks louder than our clients’ experiences ⭐️
Huge congratulations to Lazar on these incredible testimonials.

Grateful for the kind words from our clients ⭐️Helping people feel confident and supported through every step of their p...
19/01/2026

Grateful for the kind words from our clients ⭐️
Helping people feel confident and supported through every step of their property journey is exactly why BE Astute exists.
Thank you for the trust — it never goes unnoticed.

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