Wombat Home Loans

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Wombat Home Loans Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Wombat Home Loans, Mortgage brokers, Suite 1, 86 Mann Street, Sydney.

Whether to secure your first home loan, refinance an existing property, or invest for the future, our tech led mortgage brokerage is here to help you find a truly personalised lending solution

Financially fluent. Mortgage confused?You don't have to be bad with money to find mortgages confusing.In fact, many prof...
11/07/2026

Financially fluent. Mortgage confused?

You don't have to be bad with money to find mortgages confusing.

In fact, many professionals, business owners and investors understand finance—but still feel overwhelmed by lender policies, borrowing capacity, and the ever-changing lending landscape.

That's where I come in.

After more than 20 years in institutional banking, I founded Wombat Home Loans to help people cut through the complexity with clear, strategic mortgage advice that puts their goals first.

Whether you're buying your first home, upgrading, investing, or refinancing, my role is simple: to help you make confident decisions with a clear plan.

Clear advice. Smart strategy. Better outcomes.

If you're ready to make your next property move or simply want to understand your options, I'd love to help.

📍Sydney based | Helping clients Australia-wide

Despite budget changes, a family trust still earns its keep for asset protection and estate planning, just not tax minim...
02/07/2026

Despite budget changes, a family trust still earns its keep for asset protection and estate planning, just not tax minimisation. The negative gearing/income-splitting/CGT-discount stack that used to justify it on tax grounds alone is largely gone from 2027–28.

In this episode, Alesha breaks down how a trust structure can give you more flexibility when it comes to distributing income, especially if you're buying with a partner or planning to grow your portfolio with family.

Tom asks the question every buyer should be asking before their next purchase.

🎙️ Watch the full episode of The Property Web Podcast to hear Alesha's take on when trusts start to make sense: https://youtu.be/fznpycKoZRE?si=4uaT5xf2hULiUdih

Think you've saved enough for your home deposit? There are a few costs that catch many buyers off guard.- Stamp Duty- Le...
30/06/2026

Think you've saved enough for your home deposit? There are a few costs that catch many buyers off guard.

- Stamp Duty
- Legal Fees
- Building Inspection
- Moving Costs
- Lenders Mortgage Insurance (LMI)

These extra expenses can add anywhere from $50,000 to $100,000+ to your budget depending on your situation.

The good news? Knowing about them early means you can plan properly and avoid nasty surprises.

Are you currently saving for your first home? Comment "HOME" and I'll help you understand what costs you should be preparing for.

26/06/2026

Think you need a 20% deposit, perfect credit, or your forever home figured out before you can buy?

You might be surprised by what’s actually possible.

Think one of these myths is holding you back? Comment “YES” and let’s talk about your options.

17/06/2026

One of the hardest parts of buying your first property?

Accepting that your first home probably won’t look like your saved Instagram posts.

And honestly… that’s normal.

In this conversation with Wilson, we talked about something most buyers eventually realise:

There’s a difference between a want and a need.

A lot of people walk into the market with a dream list they’ve built for years. But when real budgets, borrowing capacity, and market conditions enter the conversation, priorities start to shift.

That doesn’t mean settling.

It means making smart decisions that actually get you into the market.

Because for many people, the first property isn’t the forever dream home.

It’s the first step.

🎙️ Property Web Podcast with Tom Carr

Watch the full episode here: https://youtu.be/Q6qMdO14GjM?si=PCT7i_v66nXlk2r8

12/06/2026

One of the biggest mistakes people make with property?

Expecting it to change their life overnight.

In this conversation with Roger, he shares a simple lesson that often gets overlooked:

Stay the time.

The first property he bought was $42,000. Today, it would be worth close to $900,000.

Not because of luck.

Not because he timed the market perfectly.

But because he stayed in the market long enough for time to do its job.

That’s the part most people underestimate about investing.

Consistency. Patience. Long-term thinking.

🎙️ From the Property Web Podcast with Tom Carr

Watch the full episode here: https://youtu.be/vU6CixRWZJw?si=p6dmwswvjB7CKm1f

10/06/2026

I still remember the feeling of getting Permanent Residency.

For a lot of people, it feels like the finish line after years of uncertainty.

But financially?
It’s often the starting line.

I’ve seen clients go from being declined or heavily limited as temporary residents… to suddenly having lenders compete for their business after PR.

Same person.
Same income.
Same savings.

Different visa status.

And that changes everything in the eyes of the banks.

If you’ve recently received your PR, first of all, congratulations. That’s a massive achievement.

Second… you may already be in a much stronger property position than you realise.

🎙️ Property Talks with Tom Carr

If you want to understand what options may now be available to you, send us a message.

Buying a home can feel a long way off… until you actually sit down and look at your options.I’ve had plenty of conversat...
27/05/2026

Buying a home can feel a long way off… until you actually sit down and look at your options.

I’ve had plenty of conversations with people who thought they needed years more to be ready, and they were a lot closer than they realised.

Sometimes all it takes is the right strategy and someone to guide you through it properly.

If owning a home is something you’ve been thinking about, send me a message or book a quick chat on this link: https://calendly.com/tom-wombathomeloans

Let’s see what’s actually possible for you.

With everything happening globally, it’s no surprise interest rates are a big topic again.But with all the predictions a...
25/04/2026

With everything happening globally, it’s no surprise interest rates are a big topic again.

But with all the predictions and headlines out there, it’s easy to get caught up trying to time the market.

The reality? That’s incredibly difficult to get right.

What matters more is understanding:
✔ What you can comfortably afford
✔ How rate changes could impact you
✔ What options make sense for your situation

Especially for expats, clarity matters more than speculation.

💬 Want to explore your options? Visit wombatloans.com.au

22/04/2026

Most people focus on getting approved for a home loan…

But here’s what comes next.

How you structure your property actually matters.

In this podcast with Alesha Masaud, we touched on:

– Buying in your personal name
– Using a trust
– And why this becomes more relevant as you grow your portfolio

It’s not one-size-fits-all, but it’s something worth understanding early.

It’s not just about buying property.
It’s about setting it up right.

🎙️ Guest: Alesha Masaud
📸 Tax App
🔗 taxapp.com.au

🎥 Watch the full episode: https://youtu.be/fznpycKoZRE

If you’re not sure what makes sense for you, happy to point you in the right direction.

Address

Suite 1, 86 Mann Street
Sydney, NSW
2250

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