Raj Mortgage Broker

Raj Mortgage Broker Helping you turn property into passive income. Expert mortgage broker for the Nepalese community in Australia. 🇦🇺

09/09/2026

Wealthy Australian never sell their First Home. Do you know why?

One of the most important conversations I have with clients is before they start looking."How much can we actually borro...
08/09/2026

One of the most important conversations I have with clients is before they start looking.

"How much can we actually borrow?"

Searching for $800k properties when your capacity is $620k means months of disappointment.

Here is what lenders look at:

Income — but not just salary. Overtime, Pre Tax Salary Package, rental income, allowances. Each lender has different policies on what counts.

Existing commitments — car loans, personal loans, credit card limits, HECS/HELP debt, buy-now-pay-later.

Living expenses — either what you declare, or the HEM benchmark — whichever is higher.

Dependants — each child or dependant increases the assumed cost of living.

A 3% buffer above the offered rate — to test serviceability if rates rise.

The result can vary between lenders by $50,000–$100,000 or more.

Know your number before you start.

Comment CAPACITY — let's find your real number. 🙏

General information only. Borrowing capacity varies by lender. Please speak to a licensed broker. Raj Mortgage Broker

Are Australian Home Value Falling?
08/09/2026

Are Australian Home Value Falling?

08/09/2026

What is a dwelling?
Houses, units, apartments, townhouses — any place people live.

📉 Total value dropped
Down $34.1 billion → now $12.6 trillion total

📊 Average price dropped
Down $8,200 → now $1.1 million

🏗️ More homes built
54,000 new homes added this quarter

📍 Prices FELL in:
Sydney, Melbourne, Canberra → good for first home buyers

📍 Prices ROSE in:
QLD, WA, SA, Tasmania → good for investors

🏆 Highest average price: NSW — $1.3M
🏆 Lowest average price: NT — $614K

Property policy announcements create a lot of noise. And a lot of panic.But there is an important distinction most news ...
07/09/2026

Property policy announcements create a lot of noise. And a lot of panic.
But there is an important distinction most news articles don't explain:

Announcement ≠ Legislation.

For a policy to actually affect you, it must:

Pass both houses of Parliament. Receive Royal Assent. Have an effective date set.

This process takes months. It can be amended. It can be blocked.

It can be abandoned.

When a policy announcement hits — I read the detail, assess the timeline, and contact every client whose situation might be affected.

We discuss the facts — not the headlines.

That is how good strategy decisions are made.

When policies change, let's talk facts. 🙏

General information only. Please seek independent financial and legl advice. Raj Mortgage Broker

Sundar and Rani had $100,000 in their offset account. Years of disciplined saving.When I asked about their plan for that...
06/09/2026

Sundar and Rani had $100,000 in their offset account. Years of disciplined saving.

When I asked about their plan for that money — there wasn't really one. No investment coming. No renovation. Just security.

I explained the two options:

Option 1 — keep it in offset. Saves around $6,000 per year in interest. Good — but only if you plan to use the money for something.

Option 2 — reduce the loan principal by $100,000. Similar interest saving. But the debt is now permanently smaller. It compounds down faster. And there is no risk of slowly spending it.

And if they ever decide to invest later — the equity they build in their home can be used as a deposit for the next property. The path to investing stays open.

For their goal — debt reduction and security — option 2 was the right move.

They reduced the loan. Happy outcome.

Comment EQUITY — let's find what is right for you. 🙏

General information only. Please speak to a licensed broker and financial adviser. Raj Mortgage Broker

06/09/2026

5 Things to understand as an Investor.

The property was never on realestate.com.au. Never advertised. Completely off-market.Bijay and Alina had been watching a...
06/09/2026

The property was never on realestate.com.au. Never advertised. Completely off-market.

Bijay and Alina had been watching a hot suburb for weeks. They knew the recent sales, the rental yields, what they wanted. And their finance was already pre-approved.

Before any listing went public — they called the selling agent directly.

"We are ready buyers. Finance approved. We can move quickly — no conditions."

The agent took them seriously. A private showing was arranged. Terms were discussed.

They bought — slightly below what a public campaign would have achieved — because the vendor valued speed and certainty over a long, open campaign.

This happened because they were prepared before the opportunity appeared.

Finance ready before you need it is not just paperwork. It is your edge.

Comment INVEST — let's get your finance ready before the right property appears. 🙏

General information only. Property purchases require due diligence. Please speak to a licensed broker and solicitor. Raj Mortgage Broker

Nischal and Minu found land they wanted to build on.Before they signed anything — we went through a full due diligence c...
05/09/2026

Nischal and Minu found land they wanted to build on.
Before they signed anything — we went through a full due diligence checklist.

Here is what they found:

The soil was reactive — which meant a more expensive slab design. This was not visible in the listing price.

Some services were included by the developer. Others — including gas — needed to be arranged separately.

The land had a covenant with design restrictions that affected their builder choice and added cost.

None of these were reasons to walk away. But all of them changed the total budget.

The land price is not the build price. The build price is not the total project cost.

Buyers who understand the full picture before signing — make better decisions.

Comment INVEST — let's look at your land properly before you sign. 🙏

General information only. Land conditions vary. Please speak to a licensed broker, builder, and solicitor. Raj Mortgage Broker

04/09/2026

Message for NSW & Victoria Resident.

Address

Kogarah
Sydney, NSW
2217

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