James Evans - Black Swan Mortgage Services

22/08/2026

Hey All,

The most common question I get about refinancing; Do I currently have the best rate on my home loan?

This is where it all starts. The chances are your bank is not giving you the same interest rate they are offering new customers.

If you want me to answer this question, just DM me your current bank and home loan rate, it’s that simple :).

- James @ Black Swan Mortgage Services

Send a message to learn more

07/05/2026

Hey All,

Just my key notes from today’s press releases;

* Vacant land up to $450,000 has no stamp duty for first home buyers.

* First home buyers can buy homes worth up to $600,000 with zero stamp duty.

* The First Home Owner Grant property limit increased from $750k to $800k.

* First home buyers in WA will pay heavily reduced stamp duty on homes up to $800,000.

* Stamp duty has also been removed or reduced for off-the-plan and pre-construction homes [apartments, townhouses, survey strata homes] for First Home Buyers.

If you are about to buy or have signed a contract to buy (or build) and want to know how or if this might affect you, don’t hesitate to reach out.

James Swan Mortgage Services

01/05/2026

Keeping it simple this week 😊

James Evans - Black Swan Mortgage Services

23/04/2026

If you're a first-home buyer and really don't know where to start, don't stress.

You're in a good position; we'll show you the A-Z, then go in-depth on how you can achieve your goals as soon as possible.

Feel free to DM me if you have any burning questions :).

James Evans - Black Swan Mortgage Services

14/04/2026

Local to the area & happy to help! 😁

11/04/2026

Something the bank branches don’t tell you at the start is that refinancing costs money. It can cost anywhere from $700-$1,300, usually.

And whilst you need to review your rates and features, make sure it makes financial sense, savings-wise, on your monthly repayments.

3 Really good reasons to refinance are:
- You haven’t reviewed your mortgage product in the last 3-5 years.
- You want to make general home improvements (new kitchen, patio etc.)
- You want to make structural home improvements (Granny flat, large shed)

Reviewing your current mortgage is as quick as flicking us an email or giving us a call, we’re local to the area and happy to help 😊.

- James @ Black Swan Mortgage Services