Wombat Home Loans

Wombat Home Loans Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Wombat Home Loans, Mortgage brokers, 12 Argyll Place, 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

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.

Still think you need a 20% deposit to buy as an international? This is one of the biggest myths we hear, and it stops a ...
22/04/2026

Still think you need a 20% deposit to buy as an international?

This is one of the biggest myths we hear, and it stops a lot of people from even trying.

The truth is, it’s not always that simple.

Some lenders may accept lower deposits depending on your visa, income, and overall profile. Which means… you could be closer than you think.

Every situation is different, so instead of guessing, it’s worth finding out what’s actually possible for you.

Send us a message if you want to explore your options.

Save this for later & share it with someone who needs to hear this.

15/04/2026

Transferring your UK pension to Australia isn’t a straightforward decision, and it shouldn’t be treated like one.

UK pensions come with multiple structures, rules, and built-in benefits that can vary significantly. While there can be advantages to moving your pension, like potential tax efficiencies or aligning your funds with your life in Australia, you could also be giving up valuable guarantees without even realising it.

That’s why it’s critical to look beyond the transfer itself.

This decision should be considered as part of your overall financial strategy, especially if you’re building wealth and assets in Australia.

In this clip from The Property Web Podcast, Tom and Scott break down why understanding the fine details matters, and why expert guidance is key before making any move.

Watch the full episode here: https://youtu.be/aGq8DJH1XWo

Investing through your SMSF isn’t your typical home loan, and it’s definitely not something you want to navigate alone.T...
11/04/2026

Investing through your SMSF isn’t your typical home loan, and it’s definitely not something you want to navigate alone.

This client wanted to purchase a $700k investment property using their super. With the right structure and lender, we made it happen:

✔️ $490k loan
✔️ 70% LVR
✔️ Financed through Firstmac

Behind every smooth settlement is strategy, detail, and the right support along the way.

Thinking about using your SMSF to invest? Let’s talk.

10/04/2026

Is real estate just a number on a screen to you?

In our latest episode, Tom Carr and Mark Horvat break down why we need to stop over-financializing our homes. Yes, make a smart investment, but don’t forget the value of the "intangibles."

The right school zone, the perfect layout, the memories you’ll build... those things have a value that everyone measures differently.

What’s the one "intangible" feature you couldn't live without in a home?

Let’s chat in the comments!

Watch/Listen here: https://www.youtube.com//videos

06/04/2026

Buying property in a foreign country isn’t just complex, it’s overwhelming.

Agents, solicitors, banks… everyone has their own agenda.

But your broker? We’re on your side.

At Wombat Home Loans, we cut through the noise and protect your interests every step of the way.

If you’ve been in Sydney for a while and you’re ready to stop asking “what if?”, this is your sign.

Let’s have a chat.

A higher income doesn’t automatically mean higher borrowing power.When lenders assess your home loan, they look beyond y...
01/04/2026

A higher income doesn’t automatically mean higher borrowing power.

When lenders assess your home loan, they look beyond your salary.

They consider your living expenses, existing debts, spending habits, and overall financial position, all of which can significantly impact how much you can actually borrow.

This is why two people earning the same income can have completely different borrowing capacities.

Understanding how lenders assess your situation is key to making smarter property decisions, and avoiding surprises during the process.

If you’re unsure where you stand, it’s worth getting clarity before making your next move.

Learn more at wombatloans.com.au and book a free call with Tom Carr to talk through your options.

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12 Argyll Place
Sydney, NSW
2119

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