Your Mortgage Coach

Your Mortgage Coach We help you navigate home & commercial loans, business and asset finance! Stay tuned for financial tips along with a few dad jokes! Hi, I’m Raj.

FREE HOMEBUYERS GUIDE HERE!: https://forms.gle/afBHB9KfEa4sjpZx8 A highly motivated credit coach with over 17 years of experience within the banking and financial services sector. I work for my clients and not the banks. My job is to make sure my client is paying the least amount of interest over the life of their loan with annual reviews for all clients. My dealings with my clients aren’t transac

tional but a professional relationship for the lifetime of the loan and beyond. I am also an avid and passionate property investor which allows me to help you along your investment journey with first-hand experience. I am contactable and my clients feel at ease working with me, especially as the home-buying process can be quite arduous and stressful. My experience allows me to navigate through the home loan process quite seamlessly getting the job done in a timely manner. Partner with me at Equilibria Finance 🞃
I am looking for aligned professional partnerships where quality precedes quantity. There is strength in numbers and I believe together we are stronger. I succeed, you succeed! If you want to connect with a Broker who gets the job done, provides valuable advice and cares about his clients, don’t hesitate to message me directly and let’s chat. e: [email protected]
p: 0468 300 390

Do you actually know what an SMSF is? 🤔Or more importantly... do you know how to use it to invest in property? 🏡Whether ...
08/06/2026

Do you actually know what an SMSF is? 🤔

Or more importantly... do you know how to use it to invest in property? 🏡

Whether you’re completely in the dark or looking to take your next step, Self-Managed Super Funds are one of the most powerful tools Australians have to build retirement wealth. But you need the right strategy to make it work.

We’re bringing together a powerhouse panel of local property and financial experts for a fast-paced, jargon-free evening at Skillion Spaces to give you the ultimate blueprint.

🎤 Meet Your Expert Panel:

AJ Rollsy – Facilitator | Skillion Spaces

Courtney McKinnon – SMSF Specialist | RSM Accounting

Raj Ladher – Mortgage Broker | Mortgage Wealth

Bernadine Swaffield – Conveyancer | Light Hill Law

Matt Sharp – Buyers Agent | Sharp Property Buyers

✅ What You’ll Learn in 45 Mins (+ Live Q&A):

✔️ What an SMSF is and exactly how to get started.
✔️ The real pros & cons of buying property within your super.
✔️ The legal “must-knows” for SMSF property transactions.
✔️ How SMSF lending and finance actually works.
✔️ How to identify high-performing assets in today’s market.

If you’ve been considering using your super to invest in property, this is your sign to get the facts before you leap.

🎟️ Ticket Details:

FREE for the first 40 registrations!

Late registrations: $90 per ticket.

Spots are strictly limited and will fill quickly. Don't wait until the price goes up!

👉 Click the link in our bio to secure your free seat now!🔗 Or head to: skillionspaces.com.au/SMSF26

10/05/2026

Happy Mother’s Day to all the incredible mothers, grandmothers, and mother figures out there!

​Today is all about celebrating the women who lead with heart, offer unwavering support, and somehow make the impossible look easy every single day. Whether you’re celebrating with family, remembering a loved one, or being celebrated yourself, we hope your Sunday is filled with the appreciation you deserve.

​To the multitaskers, the nurturers, and the mentors—thank you for everything you do.

​Happy Mother’s Day! 💐✨

This ANZAC Day, we pause to remember and honour the courage, sacrifice, and spirit of all those who served and continue ...
24/04/2026

This ANZAC Day, we pause to remember and honour the courage, sacrifice, and spirit of all those who served and continue to serve.

Their bravery has shaped the freedoms we enjoy today, and their legacy will never be forgotten.

Lest we forget. 🌺

Wishing you a bright and joyful Easter filled with treats and sunshine! 🐣✨​Whether you’re hunting for eggs, sharing a me...
02/04/2026

Wishing you a bright and joyful Easter filled with treats and sunshine! 🐣✨

​Whether you’re hunting for eggs, sharing a meal with loved ones, or simply taking a moment to relax, we hope you a wonderful long weekend.

13/03/2026

📉 Rate Hike Alert: The "Big Four" Just Pivoted

Brace yourself—the narrative just shifted. Australia’s four major banks (CBA, Westpac, NAB, and ANZ) have all synced up their forecasts, and it’s not the news mortgage holders wanted to hear.

Instead of the rate cuts we were hoping for, the experts are now predicting a double hike in 2026.

The Quick Breakdown:

The Forecast: Two 25-basis point increases (one in March, one in May).

The Peak: A projected cash rate of 4.35% by mid-year.

The "Why": Persistent inflation and rising geopolitical tensions (hello, oil prices) are keeping the RBA on the offensive.

💰 What this means for your wallet:

If you have a $750,000 mortgage, these two hikes could add roughly $228 to your monthly repayments.

With the "Rate Cut Dream" on pause, the big question is: Do you stick with a variable rate or is it time to lock in a fixed rate? 🛡️

What’s your move? Are you holding steady or wanting to discuss what fixed rate options you have available?

Stop scrolling, start nesting. 🏠​Dreaming of your first set of keys but feeling overwhelmed by the "how"? This guide is ...
03/03/2026

Stop scrolling, start nesting. 🏠

​Dreaming of your first set of keys but feeling overwhelmed by the "how"?

This guide is your roadmap from renter to homeowner. No jargon, just the facts you need to get into the market with confidence.

​Check the slides for the blueprint! 👇

11/02/2026

'Allow me to reintroduce myself.....'

I'm Raj Ladher, Director and Senior Mortgage Broker at Mortgage Wealth and my team and I are here to simplify a typically stressful mortgage/home buying process by clearly articulating the next steps. Take the guess work out of it by reaching out for a non obligation chat.

Contact details link in Bio 🔗

As widely expected, the RBA increased the cash rate on 3rd February 2026 by 0.25% to 3.85% for the first time since Nove...
03/02/2026

As widely expected, the RBA increased the cash rate on 3rd February 2026 by 0.25% to 3.85% for the first time since November 2023. This is predominantly due to higher than target inflation with the Consumer Price Index (CPI) rising to 3.80% in December 2026. This has a few impacts for mortgage borrowers, homeowners and first homeowners on the central coast:

Higher Repayments:

Most banks will increase their variable rates by at least the 0.25% so if you are on a variable rate your repayments will increase accordingly. On a $600,000 loan amount with a 25-year loan term remaining, your repayments will increase by approx. $90 per month. Naturally, the higher your loan amount, the higher the increase.

Reduced Borrowing Capacity:

A 0.25% increase in the cash rate reduces the amount of money as below:

-Single individual with an annual income of $80,000 – approx. $10,000

-Couple on a joint annual income of $150,000 – approx. $20,000

Should there be further increases, naturally your borrowing capacity continues to reduce.

Market confidence and Property values

The Central Coast has seen some great property growth over the last few years, (up to 45% over the last five years reaching a median price of $1,063,372 confirmed by Cotality) however with reduced borrowing capacity and higher loan repayments, borrowers are restricted on their property purchases which can reduce the values of properties. Although this isn’t great for home-owners, it can help first home buyers get onto the property market.

With your bank almost guaranteed to pass on the 0.25% increase on to your next home loan repayment, my recommendation would be to get on to the phone with them and review against the market.

Three of the four chief economists of the major banks are expecting no more further rate increases this year, however it was only towards the end of last year banks were expecting further rate reductions as opposed to an increase. If you’re worried about further rate increases, it might be worth discussing the pros and cons of a fixed interest rate with a mortgage professional.

12/01/2026

We’re back in the office and feeling refreshed after the holiday break! We want to wish all our incredible clients, referral partners and providers a happy, healthy, and prosperous 2026.

We are so ready to help you achieve your goals this year.

19 Years, Thousands of Keys, and One Massive Evolution!​From the streets of Wolverhampton, UK, in 2006 to the forefront ...
18/12/2025

19 Years, Thousands of Keys, and One Massive Evolution!

​From the streets of Wolverhampton, UK, in 2006 to the forefront of the industry today—what a ride it’s been! 🇬🇧✈️🇦🇺

​I started my journey back when the market looked very different (remember those 125% LVR mortgages?! 🤯). Since then, the industry has shifted, markets have moved, but one thing has stayed the same: my passion for getting people into their dream homes grows every single day.

​Everything we’ve built, every lesson learned, and every client we’ve helped has led us to this moment: Mortgage Wealth. 🏠✨

​I am incredibly grateful for the trust and support you’ve shown us over the last two decades. But we aren't slowing down...

​🔥 2026 is around the corner, and we have some HUGE news coming your way soon!

​Thank you for being part of the journey. Let’s make the next 19 years even better!

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Level 3/47 York Street
Sydney, NSW
2000

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