Jesse Bullock - Mortgage Broker

30/06/2025

Hello Friends

As the End of the Financial Year approaches, I thought it would be a good opportunity to share with you a recent interview I did alongside Vincent Turner, the Founder of UNO.

Helping people navigate the world of debt to achieve their personal and financial goals is what I love to do. As a father myself, I understand the stress and challenges that come with large debts such as a mortgage and how it can impact your life on both a personal and financial level, if not managed with healthy financial habits.



You Can find the interview titled “Resetting Your Relationship with Debt” on



🎧 Listen on Spotify
https://open.spotify.com/episode/26eDa0s74X8YkLUO3mnT6S?si=xw-YMo8KT0S7qIZPOzbLHA&nd=1&dlsi=7f8d95c883d440c0

📺 Watch on YouTube
https://www.youtube.com/watch?v=sPavIFk8haQ

🔗 Read the article on UNO Home Loans
https://www.unohomeloans.com.au/articles/resetting-your-relationship-with-debt

Reset your relationship with debt. Tips for first home buyers and those exploring debt consolidation from UNO's Jesse Bullock.

02/06/2025

A very rewarding result. It was a pleasure Dylan

26/04/2025

I have seen a few “property guru’s” this year go beyond the realm of giving incorrect mortgage advice, and now openly talk down to “poor people”.

These are the people that are advising and influencing the next generation.

They have watched these American “Sales experts” and are now doing the copy cat approach to talk down to people to make them feel like they are worthless in order to then be “the hero” that brings them “happiness”, through an investment property (that comes with a big fat commission for them).

The truth is, Australia is one market correction away from some of these over leveraged property heroes having to find a new profession, and socialise with “poor people” again.

If I can offer two pieces of advice for anyone trying to navigate the current economic environment and set themselves on the path to the retirement they want, it is this;

1) Stop comparing yourself to other you see on the internet. They are full of it

2) If you want to buy property, have a plan. Not just a plan of where and what to buy, but a plan on how much Debt you want to take on, and then how you can still use disposable income to get you closer to mortgage freedom

Keep it simple and understand what makes you happy, that is the real key to being wealthy.

24/04/2025

Getting Dad ready for tomorrow

24/04/2025

Lately, I have seen some poor service and a lack of empathy and understanding from some of the largest lenders in the market.

What it highlights is the importance of having a broker to assist and be the middleman between yourself and the lender.

With a clear lack of empathy and self-absorbed traits being ever so present throughout the corporate scene, there are few bankers who can actually add value to you and help you get a loan application that might be a bit complex to the stage of being credit-ready.

This is why a broker is ever so valuable.

If you are looking for a broker who is:
🔹 Free to talk to
🔹 Does not outsource your initial conversation to a “sales consultant”
🔹 Strategy-focused
🔹 Has helped numerous people get out of bad debt situations and save their homes

Then give me a buzz. My inbox is always open.

23/04/2025

I think that it is up to us to educate the next generation on what Anzac Day is about.

I understand that schools may have shifted the curriculum over the years as the next generation of teachers have come through.

For me, growing up in a small town called Tewantin, ANZAC day was a big deal. It wasn’t about the war. It was about

Remembrance
Gratitude and appreciation
Respect for those who have served

And more than anything, it brought the community together in a positive light.

Cultures shift and adapt to ever changing times, but what doesn’t change is your history. Understanding it can really help shape your perspective, especially in your youth. Whether you were born here or recently called Australia home, I encourage you to get out into your community and understand what the spirit is about.

It is a day for everyone.

22/02/2025

🏠 Granny Flats: A Smart Response to a Challenging Economy

I recently came across an interesting piece about granny flats and how they've grown increasingly popular over the past 12 months, with online searches surging by 50% in 2024.

It got me thinking—why is this trend gaining so much momentum? Honestly, with so many Australians feeling frustrated by the lack of effective policy solutions, particularly around the cost of living, it’s no surprise that people are taking matters into their own hands.

Australians Are Dealing With:
📈 Rising Costs: Groceries, energy bills, and general living expenses are all climbing.
🏠 Housing Competition: Increased net migration and a shortage of affordable housing options are pushing both rental and purchase prices up.
💸 Devaluing Dollar: The Aussie dollar’s reduced purchasing power is making everyday life more expensive.

Challenges & Benefits of Building a Granny Flat:

🚧 Challenges:
Regulatory Hurdles: Navigating council regulations, which vary widely across states and councils, can be complex.

Upfront Costs: Construction costs for a two-bedroom granny flat typically range from $120,000 to $250,000, influenced by design choices and site conditions.

Site Limitations: Sloping blocks, restricted access, and utility connections can add complexity and expense to the build.

💡 Benefits:
Rental Income: A well-located granny flat can generate rental returns between $300 to $700 per week, offering a valuable income stream for homeowners.

Increased Property Value: Adding a granny flat can boost a property’s market value by up to 30%, enhancing long-term investment potential.

Multigenerational Living: Granny flats provide a flexible living option for extended family members, particularly aging parents or adult children, promoting closer family ties and reducing overall living costs.

For those considering building a granny flat, the opportunity lies not only in immediate financial benefits but also in future-proofing against an unpredictable market. Whether used for rental income, family accommodation, or enhancing property value, a well-planned granny flat can be a strategic asset.

18/02/2025

One rate cut, and suddenly my social media is flooded with sales people trying to push loans onto anyone with a pulse.

My advice to clients remains the same: have a debt management strategy and stick to it. If you’re on a variable rate, take today’s small win—but if you truly want to save money on interest, focus on the bigger picture and use the tools at your disposal:

✔️ Offset account
✔️ Additional repayments
✔️ Review your loans every 12–24 months
✔️ Say no to quick money that could kill your cash flow

Sticking to a plan won’t just help you get ahead on your debt—it’ll put you in a strong position to take action when that dream investment opportunity comes along.

11/02/2025

“Paying Off Your Mortgage is Stupid”

I’ve seen this statement made by quite a few property gurus lately, and honestly, it’s misleading advice. It downplays the real benefits of financial security and ignores the risks that come with holding high levels of debt. The reality is, paying down your mortgage can put you in a far stronger financial position, giving you more control over your future.

Paying down debt is a powerful tool that can:
✅ Reduce stress – Financial security brings peace of mind.
✅ Get rid of your mortgage faster – Freeing up cash flow for the things that truly matter.
✅ Give you work freedom – The less you owe, the more flexibility you have to spend time on what matters most—like family.

If you’re planning to invest further, debt management plays a crucial role in long-term success. A well-structured approach can help you:
📈 Build equity – Strengthening your financial position.
💰 Reduce debt while keeping borrowing capacity open – Ensuring you have room to take advantage of future investment opportunities.
🚀 Free up equity for a one-off cash flow need – Whether for business or personal reasons, having access to funds when needed is invaluable.

The idea that paying off your mortgage is a waste assumes that everyone has the same financial goals. Some people thrive on financial security and flexibility, while others take on unnecessary risk chasing returns. There’s no one-size-fits-all answer—only the right approach for your personal and financial goals

01/02/2025

🏡 Navigating the Mortgage Maze: Why Getting Ahead Feels Harder Than Ever

Ever feel like you’re running on a financial treadmill? 🏃‍♂️💨 You’re not alone. Household debt in Australia has surged to nearly double the average gross income, making mortgage freedom feel like a distant dream. 😬

With cost-of-living pressures and rising rates, disposable income is shrinking 📉, leaving little room for extra repayments or building an offset buffer. Property prices and rents keep climbing due to government policies fueling demand 📈, and with corporate Australia pulling back on WFH, relocating or downsizing isn’t always an option. 🤯

It’s not just PAYG earners feeling the pinch—self-employed Aussies are juggling business cash flow, paying business liabilities, and ensuring they can still take a wage to meet mortgage repayments. 💰⚖️

Meanwhile, policymakers seem happy to load Australians with debt as a way to “grow the economy” 💸—despite us being in a per capita recession, where economic output per person is actually shrinking. 🤷‍♂️

My advice? 🚀 Block out the noise from “property gurus” and review your debt NOW. Make sure:
✅ Your monthly commitments feel comfortable
✅ You understand what further debt would mean for you
✅ You have a plan if life throws you a curveball

If you want to chat through your options, my door is always open. 🤝 Shoot me a message, let’s make a game plan together! 💬🔑