Kane Ladhams - Mortgage Broker

18/06/2025

HUGE WIN! Credit score from 300 to 900 in 2 days! 👏

A couple of weeks ago, a client came to me on a Thursday with an urgent request - she wanted to make an offer on a property her buyer’s agent had recommended, with a deadline of the following Tuesday.

She had been turned away by her previous broker, who hadn’t responded to her since March. The reason? A fraudulent default from an identity thief had left a 4-month late repayment on her credit file, limiting her borrowing options to tier 3 lenders at best. Although she’d been trying to have it removed since March, she’d been told the wait time was at least four months.

Despite the odds, I went ahead and lodged the application with Macquarie on Thursday night. We received conditional approval by Friday morning.
Normally, Macquarie issues automatic pre-approvals, but I requested a full credit assessment due to the nature of the client’s situation, something that’s rarely granted without a signed contract of sale, especially given their current backlog.

After the full assessment was granted, Macquarie advised that an email from Equifax wasn’t enough and the default had to be removed from the credit report itself.

We didn’t have four months to wait. I explored using a credit repair company, but the turnaround was still too slow (minimum one month), and costly.

So, over Monday and Tuesday, after many phone calls and a few tears from the client, Equifax finally agreed to remove the default. We provided proof that there were no lender exceptions available, and with that pressure, the default was removed just in time. My client signed the contract that night, and we received formal approval the next day.

I know this result was largely due to my client’s persistence (she’s the one who sat on hold and fought for it), but being there to support her and help guide the strategy made the difference.

A huge win for both of us—and a lovely review to top it off!

22/01/2025

💰 Navigating Mortgages in FY25: Is It Time to Refinance or Buy? 🏡

The 2025 financial year is shaping up to be an intriguing time for Australian property buyers and homeowners. With interest rates stabilising (or shifting—depending on your perspective) and the property market continuing to evolve, many people are asking:

“Is now the right time to refinance or purchase?”

If you’re considering refinancing, it’s worth noting that:

✅ Competition among lenders remains fierce, with many focusing on competitive interest rates rather than cashback deals, which have become less common in recent months. Now, the key to refinancing is finding a lender who offers long-term value through better rates and features tailored to your needs (multiple offset accounts, split loans - fixed & variable, user friendly internet/mobile banking)

✅ Reviewing your loan regularly can save you thousands in interest over the life of your mortgage

✅ Your equity might’ve grown in the last few years – could it be time to unlock it for renovations, investments, or other goals?

For those looking to purchase, we can help:

🏡 Check if you're eligible for first-home buyer grants, stamp duty concessions, or schemes like the First Home Guarantee.

🏡 Understand the market trends in your desired area – growth rates and buyer demand vary significantly between cities and regional areas.

🏡 Assess your borrowing capacity carefully. Recent changes in lending criteria could open up new opportunities.

Taking out a mortgage is one of the most significant financial decisions you'll ever make, so staying informed and ensuring it aligns with your goals is crucial.

If you’re feeling unsure about where to begin or want to make sure your home loan is working hard for you, don’t hesitate to reach out. Let’s work through this journey together!

Send a message to learn more

09/01/2025

Happy New Year! 🎉✨

Are you focused on building wealth in 2025? If so, you’ve probably spent the festive season reflecting on your finances, identifying what’s working and what needs improvement, and setting clear goals for the year ahead. The holiday period is the perfect time to step back, evaluate your progress, and realign with your life aspirations.

If this resonates with you, let’s connect! Call me at 0411 668 806 or 02 8330 3788 to schedule a no cost consultation where we can:

- Assess your borrowing capacity to help you enter the property market or purchase your next property.

- Conduct a mortgage health check to ensure your current lender is meeting your needs.

I look forward to helping you achieve your financial goals in 2025!

01/12/2024

Extremely honoured to be recognised by Loan Market This award was for our first month of settlements as Fabe Financial. An extremely good start to the new chapter in my career along with the progression of the business. I couldn’t have done it without the support of Montara Wealth 🚀

23/10/2024

Hello to all the lovely people that have followed my page already and showing me some love thus far. Apologies for how quiet I have been as it has been a crazy few months, especially working on the website to get it up and running which you have a look here - www.fabefinancial.com.au

I'm also attaching some documents that outline how our referral program works which supports our charity efforts, whilst also rewarding our clients who support our businesses.

If you do know of anyone that is interested in a ‘mortgage health check’ or who has an upcoming purchase, please ask them if I can reach out to them for an initial phone chat.

We really appreciate your support.

09/05/2024

Dee was wanting a pre approval written before the weekend so she could go to Auction,
On the same day of my first initial contact with her on the Wednesday - I completed the application process, sent it to the lender and had approval by Friday.

07/05/2024

Cash Rate holds again!
No changes in the market to report on.
Give me message for a free health check to see if your bank is looking after you :)

24/04/2024

Another happy customer!!

My client lives 6 hours out of the Adelaide CBD and needed to consolidate some debt of around $50,000.00. Worked out I could reduce the rate from 7.5% to 6.2% while saving her a total of $1,300/month as the personal loans and credit cards were on high rates. This was a quick turn around and a seamless settlement thanks to our back end team.

17/04/2024

Welcome to my page!
Thankyou for accepting the invite and giving me some support.

A little bit about me:

I have been in residential lending for just over a year now and absolutely loving it,
With a long history of building experience and also being a licensed builder, I understand the in's and outs of new purchases, construction builds and renovations on a more personal level.
As your mortgage broker, my role extends far beyond just facilitating home loans; I'm also a financial advocate, dedicated to helping you save money over the long term. My expertise lies not only in securing competitive interest rates and favorable terms but also in providing strategic guidance to ensure that you make informed financial decisions.

Here is a testimonial from a very happy customer after securing a rate of 5.79% fixed for 2 years with HSBC and saving them over $197.20/month. If Mirella was to keep making the exact same repayments on her new rate, in her first year she will be saving $6,700 in interest.

Get in touch if you would like a no cost consultation to see if I can get you into your dream home or find some extra savings on your current home loan. I'm here to simplify your life. As your dedicated broker, I collaborate with a network of 28 different lenders to ensure you get the best deal.