Ethan Clague - Mortgage Broker

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Sydney, NSW
Ethan Clague - Mortgage Broker

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I help people buy smarter, not just buy. Mortgage broker for anyone who wants personal, honest advice

28/10/2026

Pakenham houses are up nearly 90% in ten years.

That’s about 6.6% a year, and almost nobody talks about it.

The catch is that the last five years ran slower than the decade average.

Rents haven’t kept up with prices either, so you’re not buying here for cashflow.

Where it works is a house on a decent block in an established pocket, $650K to $800K.

Not the $1M+ end. Not the acreage.

28/10/2026

Cessnock houses grew 9.72% a year over the last decade.

The Entrance units grew 6.25%.

Same $700k budget, and that gap compounds hard over 10 years.

The Cessnock house sold under median on 613sqm and was actually cheaper to get into.

The unit cost more upfront, comes with strata every quarter, and takes 56 to 112 days to sell when you want out.

Coastal views are nice. Land does the heavy lifting.

DM me and let’s work out what your budget actually buys.

27/10/2026

5 stars from Paul (NSW) after refinancing his home loan.

A better rate is the baseline. That’s the job.

Most people put off refinancing because of the forms, the chasing and not knowing what’s involved.

A good broker takes that friction away. Quick replies, forms sorted over the phone, even after hours.

That’s the standard, not a bonus.

Thanks for the kind words, Paul.

Haven’t looked at your rate in a while? DM me and let’s check where you sit.

27/10/2026

Laying the groundwork now so I can enjoy the next few decades a bit more.

26/10/2026

$16.5M gets you 29 acres, an indoor horse arena and a 16m heated pool in Harkaway.

It also needs $4.4M in cash before a lender even looks at you.

That’s $3.3M deposit, $1.05M stamp duty and legals on top.

Then the repayments on a $13.2M loan at 6% are about $18,266 a week.

The typical house in that suburb rents for $883 a week.

The best buy isn’t the most expensive house in the pocket. It’s the best pocket you can afford, with something to improve.

26/10/2026

$35,750 total cash to buy a $655K home.

That’s a 5% deposit and about $3K in legals. No stamp duty, no LMI.

Most first home buyers think they need $130K saved before they can even start looking. They don’t.

The gap between “I can’t afford it” and “I can” is usually just knowing which schemes you qualify for.

At 6%, repayments on this one land just under $900 a week.

25/10/2026

Everyone saves for a deposit. Almost nobody plans for running out of borrowing power.

Plenty of people get to three or four properties and hit a wall.

Earn more, because banks lend off your income.

Get your structure right before you buy, not after you’ve got a few properties and it’s too late to fix.

Buy quality properties that grow and that you can add value to, so your next deposit starts building itself.

Plan how you’ll buy your fourth, not just your first.

DM me and let’s map out your next move.

24/10/2026

$1M gets you a brand new 61sqm apartment in St Leonards or an old house on 803sqm in Gorokan. I know which one I’m buying.

St Leonards units have averaged about 1% growth a year over 10 years. Gorokan houses have done over 6%.

Entry cost is almost the same. Around $243k vs $233k all up at 80% LVR.

The house has three levers: reno, granny flat and a possible subdivision STCA.

Add the granny flat and $580pw plus around $500pw rent covers the $1,063pw repayments.

You can’t add anything to a 61sqm unit.

23/10/2026

$105k salary, $200k saved. Two properties at almost the same price. One has grown 0.2% a year for a decade.

Ryde apartment, $975k, brand new, Metro access. Great to look at.

Barrack Heights house, $999k, 569sqm of land. 6.71% a year over the same period.

The holding cost gap is $27 a week.

Build a granny flat down the track and the house covers its own repayments.

DM me your salary and deposit and we’ll run the numbers.

23/10/2026

A 3-bed townhouse with its own jetty on Lake Macquarie, for under $800k.

Marks Point. Gated complex. Walk out the back and you’re on the water.

First home buyer? Under $800k means $0 stamp duty and no LMI. About $43k gets you in.

The catch is $985 to $1,050 a week in repayments at 95% LVR. Rent would bring in maybe $600.

It’s a lifestyle buy, not a cash flow play. Buy it to live in, not to hold.

DM me and we’ll run the numbers on what you can actually carry.

Address

Sydney, NSW

Telephone

+61403333614

Website

https://calendly.com/ethan-sumplus/short-q-a

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