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Jason Low Mortgage Broking

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Australia
Traralgon, VIC
Jason Low Mortgage Broking

Home loans for:
First Home Buyers
Investors
Refinancers
Self Employed
Car & Equipment finance

13/10/2026

🏡𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝗬𝗼𝘂 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗩𝗮𝗿𝗶𝗮𝗯𝗹𝗲 𝗥𝗮𝘁𝗲 𝗟𝗼𝗮𝗻𝘀🏡

If you're buying your first home, understanding what a variable rate loan actually offers can make a real difference to how you manage your mortgage.

• Offset accounts reduce the interest you pay without locking your money away

• Redraw lets you access extra repayments if you need them down the track

• Most variable loans let you pay extra without penalty, which cuts years off the loan

• Portability means you can take the loan with you if you move

• Split loans give you flexibility and certainty in one package

Not every variable loan includes every feature, and some low-rate products strip out offset and redraw to keep the advertised rate down. Match the product to how you'll actually use it.

Call one of our team or book an appointment to talk through which variable rate features suit your deposit, income, and plans for the loan.

👇
https://jlmb.com.au/blog/everything-you-need-to-know-about-variable-rate-loans

📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

08/10/2026

🏠𝗨𝗻𝗹𝗼𝗰𝗸 𝘁𝗵𝗲 𝗦𝗲𝗰𝗿𝗲𝘁𝘀 𝘁𝗼 𝗛𝗼𝘂𝘀𝗲 𝗮𝗻𝗱 𝗟𝗮𝗻𝗱 𝗣𝗮𝗰𝗸𝗮𝗴𝗲𝘀 𝗶𝗻 𝗚𝗶𝗽𝗽𝘀𝗹𝗮𝗻𝗱🏠

Thinking about a house and land package in Gippsland? There's a bit more to it than buying an established home.

• Two contracts mean two settlements: land first, then progress payments during the build

• The $10,000 First Home Owner Grant applies if the combined value is under $750,000

• Stamp duty exemption or concession available depending on total package value

• 5% Deposit Scheme applies in regional Gippsland up to $650,000

• Loan repayments start when the land settles, even if you're still renting

• Lenders assess the land value and the projected completed home value separately

• Construction delays can affect your approval timeline and require reapplication

𝗚𝗲𝘁 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘀𝗼𝗿𝘁𝗲𝗱 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝘀𝗶𝗴𝗻. 𝗪𝗲'𝗹𝗹 𝗺𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘁𝗵𝗲 𝗹𝗼𝗮𝗻 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗺𝗮𝘁𝗰𝗵𝗲𝘀 𝗵𝗼𝘄 𝘁𝗵𝗲 𝗯𝘂𝗶𝗹𝗱𝗲𝗿 𝗮𝗻𝗱 𝘃𝗲𝗻𝗱𝗼𝗿 𝗲𝘅𝗽𝗲𝗰𝘁 𝘁𝗼 𝗯𝗲 𝗽𝗮𝗶𝗱.

👇
https://jlmb.com.au/blog/unlock-the-secrets-to-house-and-land-packages-in-gippsland

📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

06/10/2026

𝗛𝗼𝘄 𝘁𝗼 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗟𝗼𝗮𝗻 𝗕𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗟𝗶𝗺𝗶𝘁𝘀

The amount you can borrow with a personal loan is decided by what you earn, what you owe, and what the lender thinks they can lend safely. It's not about how much you need.

Most lenders in Australia set personal loan borrowing limits between $2,000 and $100,000. Where you sit in that range comes down to your income, expenses, and existing debt. A personal loan application is assessed on whether you can afford the repayments, not whether you have a good reason to borrow. If your income supports it, you'll get approved. If it doesn't, you won't.

𝘾𝙝𝙚𝙘𝙠 𝙤𝙪𝙩 𝙤𝙪𝙧 𝙡𝙖𝙩𝙚𝙨𝙩 𝙗𝙡𝙤𝙜 𝙖𝙧𝙩𝙞𝙘𝙡𝙚 𝙬𝙝𝙚𝙧𝙚 𝙬𝙚 𝙘𝙤𝙫𝙚𝙧:

• What Decides Your Borrowing Limit
• Secured vs Unsecured Personal Loan Limits
• How Your Credit History Affects the Limit
• Ready to get started?
• Fixed Rate vs Variable Rate and Borrowing Capacity
• Loan Term and How It Affects What You Can Borrow
• Fees That Reduce How Much You Actually Receive
• Applying for a Personal Loan Through a Broker in Traralgon
• Frequently Asked Questions

🔗 Link in the comments

📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

29/09/2026

𝗥𝗕𝗔 𝗽𝘂𝘀𝗵𝗲𝘀 𝗰𝗮𝘀𝗵 𝗿𝗮𝘁𝗲 𝘁𝗼 4.60% – 𝗳𝗼𝘂𝗿𝘁𝗵 𝗵𝗶𝗸𝗲 𝗼𝗳 𝘁𝗵𝗲 𝘆𝗲𝗮𝗿 📈

The Reserve Bank of Australia (RBA) has raised the cash rate by 25 basis points to 4.60% at its September meeting.

Check the link in the comments for the full RBA update.

𝙁𝙤𝙪𝙧 𝙘𝙖𝙨𝙝 𝙧𝙖𝙩𝙚 𝙧𝙞𝙨𝙚𝙨 𝙞𝙣 𝙖 𝙨𝙞𝙣𝙜𝙡𝙚 𝙮𝙚𝙖𝙧 𝙞𝙨 𝙨𝙞𝙜𝙣𝙞𝙛𝙞𝙘𝙖𝙣𝙩. 𝙄𝙛 𝙮𝙤𝙪’𝙙 𝙡𝙞𝙠𝙚 𝙩𝙤 𝙪𝙣𝙙𝙚𝙧𝙨𝙩𝙖𝙣𝙙 𝙬𝙝𝙖𝙩 𝙩𝙝𝙞𝙨 𝙢𝙚𝙖𝙣𝙨 𝙛𝙤𝙧 𝙮𝙤𝙪𝙧 𝙧𝙚𝙥𝙖𝙮𝙢𝙚𝙣𝙩𝙨 𝙤𝙧 𝙚𝙭𝙥𝙡𝙤𝙧𝙚 𝙮𝙤𝙪𝙧 𝙤𝙥𝙩𝙞𝙤𝙣𝙨, 𝙄’𝙢 𝙝𝙚𝙧𝙚 𝙩𝙤 𝙝𝙚𝙡𝙥.

📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

28/09/2026

𝗛𝗼𝘄 𝘁𝗼 𝗽𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝗮 𝗽𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹 𝗿𝗮𝘁𝗲 𝗿𝗶𝘀𝗲 📈

Another cash rate increase isn’t guaranteed – but borrowers may be better off preparing for one than hoping it won’t happen.

The Reserve Bank has already lifted the cash rate by 0.75 percentage points in 2026.

Meanwhile, trimmed-mean inflation has remained above the RBA’s 2–3% target range since June 2025, while recent economic growth, employment and household spending data suggest demand remains surprisingly resilient.

That means another rate hike before the end of the year can’t be ruled out.

𝙒𝙝𝙖𝙩 𝙗𝙤𝙧𝙧𝙤𝙬𝙚𝙧𝙨 𝙘𝙖𝙣 𝙙𝙤 𝙣𝙤𝙬

Rather than passively waiting for the RBA’s next cash rate decisions on September 29 and November 3, consider:
▪ Stress-testing your budget at a higher repayment.
▪ Building a bigger cash buffer.
▪ Reviewing whether your current rate is still competitive.
▪ Using an offset or redraw facility strategically.
▪ Cutting discretionary spending before you’re forced to.

For prospective buyers, it can also make sense to calculate repayments at a rate above today’s level before deciding what you can comfortably afford.

𝘼𝙣𝙤𝙩𝙝𝙚𝙧 𝙧𝙖𝙩𝙚 𝙧𝙞𝙨𝙚 𝙢𝙖𝙮 𝙤𝙧 𝙢𝙖𝙮 𝙣𝙤𝙩 𝙝𝙖𝙥𝙥𝙚𝙣, 𝙗𝙪𝙩 𝙮𝙤𝙪 𝙘𝙖𝙣 𝙥𝙧𝙚𝙥𝙖𝙧𝙚 𝙛𝙤𝙧 𝙤𝙣𝙚 𝙣𝙤𝙬. 𝙂𝙚𝙩 𝙞𝙣 𝙩𝙤𝙪𝙘𝙝 𝙖𝙣𝙙 𝙄’𝙡𝙡 𝙝𝙚𝙡𝙥 𝙮𝙤𝙪 𝙧𝙚𝙫𝙞𝙚𝙬 𝙮𝙤𝙪𝙧 𝙡𝙤𝙖𝙣 𝙖𝙣𝙙 𝙗𝙤𝙧𝙧𝙤𝙬𝙞𝙣𝙜 𝙥𝙤𝙨𝙞𝙩𝙞𝙤𝙣.

📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

24/09/2026

𝗖𝗼𝗺𝗺𝗼𝗻 𝗠𝗶𝘀𝘁𝗮𝗸𝗲𝘀 𝗧𝗵𝗮𝘁 𝗦𝗹𝗼𝘄 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗟𝗼𝗮𝗻 𝗔𝗽𝗽𝗿𝗼𝘃𝗮𝗹𝘀
𝖶𝗁𝖺𝗍 𝖺𝖼𝗍𝗎𝖺𝗅𝗅𝗒 𝖺𝖿𝖿𝖾𝖼𝗍𝗌 𝗁𝗈𝗐 𝗅𝗈𝗇𝗀 𝗒𝗈𝗎𝗋 𝗉𝖾𝗋𝗌𝗈𝗇𝖺𝗅 𝗅𝗈𝖺𝗇 𝗍𝖺𝗄𝖾𝗌 𝗍𝗈 𝗉𝗋𝗈𝖼𝖾𝗌𝗌, 𝖺𝗇𝖽 𝗐𝗁𝖺𝗍 𝗒𝗈𝗎 𝖼𝖺𝗇 𝖽𝗈 𝗍𝗈 𝗌𝗉𝖾𝖾𝖽 𝗂𝗍 𝗎𝗉.

Most personal loan applications take between one and five business days to process, but that range depends almost entirely on how complete your application is and which lender you use.

If you're in Morwell and need cash quickly, whether it's for a car repair, medical expense, or to consolidate credit card debt, the timeline matters. Some lenders can approve unsecured personal loans in a few hours if your income is straightforward and your credit file is clean. Others take longer because they manually verify documents or require additional checks. The difference is rarely about the loan amount, it's about how much back and forth happens between you and the lender.

🔗To read the full article, check out the link in the comments section!

𝙍𝙚𝙖𝙙𝙮 𝙩𝙤 𝙜𝙚𝙩 𝙨𝙩𝙖𝙧𝙩𝙚𝙙?
Contact us at Jason Low Mortgage Broking today.

📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

21/09/2026

💼 𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗮𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗹𝗼𝗮𝗻?

Want to give your application the best chance of success? Here are 10 things lenders may look at:

✅ Consistent cash flow
✅ A clear business plan
✅ Strong business credit history
✅ Security or collateral
✅ Personal financial stability
✅ Recent financial statements
✅ The right loan structure
✅ Equity or a deposit
✅ Organised, up-to-date records
✅ A clear reason for borrowing

📋 Preparation can make all the difference!

👉 Read our full guide: Top 10 Ways to Meet Business Loan Approval Requirements in the link below.

𝙍𝙚𝙖𝙙𝙮 𝙩𝙤 𝙩𝙖𝙠𝙚 𝙩𝙝𝙚 𝙣𝙚𝙭𝙩 𝙨𝙩𝙚𝙥? 𝙏𝙖𝙡𝙠 𝙩𝙤 𝙪𝙨 𝙖𝙗𝙤𝙪𝙩 𝙮𝙤𝙪𝙧 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙛𝙞𝙣𝙖𝙣𝙘𝙚 𝙤𝙥𝙩𝙞𝙤𝙣𝙨.
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

18/09/2026

🎉 𝗪𝗘’𝗥𝗘 𝗟𝗜𝗩𝗘! 🎉

Our 𝗡𝗘𝗪 𝗪𝗘𝗕𝗦𝗜𝗧𝗘 is officially 𝗟𝗜𝗩𝗘! 🏠✨

We’ve given our website a fresh new look, making it easier than ever to explore our services, find helpful information and get started on your home loan journey.

👀 Take a look today!

👉 Visit our new website: jlmb.com.au

𝘑𝘢𝘴𝘰𝘯 𝘓𝘰𝘸 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘉𝘳𝘰𝘬𝘪𝘯𝘨
Helping you find the right loan for your needs. 🏡

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

17/09/2026

🏡𝗖𝗵𝗲𝗮𝗽𝗲𝗿 𝗵𝗼𝗺𝗲𝘀 𝗮𝗿𝗲 𝗯𝘂𝗰𝗸𝗶𝗻𝗴 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗱𝗼𝘄𝗻𝘁𝘂𝗿𝗻🏡

Falling prices are changing the balance between buyers and sellers – but the slowdown isn't affecting every property equally.

Australia's median property price fell 0.7% in July, the largest monthly decline since December 2022, according to Cotality.

Prices were down 1.9% over the July quarter.

But there's an interesting divide underneath those headline numbers.

𝙀𝙭𝙥𝙚𝙣𝙨𝙞𝙫𝙚 𝙝𝙤𝙢𝙚𝙨 𝙖𝙧𝙚 𝙛𝙖𝙡𝙡𝙞𝙣𝙜 𝙛𝙖𝙨𝙩𝙚𝙧

Over the three months to July:
▪ Upper-quartile home values fell 3.2%.
▪ Lower-quartile values actually rose 0.3%.

Buyers remain constrained by affordability, mortgage serviceability and cost-of-living pressures, while confidence is weaker than earlier in the year.

Sellers have taken longer to adjust, although Cotality says expectations are now beginning to shift.

For buyers, softer conditions may create more negotiating room – particularly at the higher end.

For sellers, realistic pricing may become increasingly important.

Knowing your borrowing ceiling before you negotiate can be especially valuable in a shifting market. Get in touch and we can work through the numbers.

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

16/09/2026

🚨 EXCITING NEWS! 🚨

Our NEW WEBSITE is coming soon! 🎉🏡

We’ve been busy behind the scenes creating a fresh new online home for Jason Low Mortgage Broking.

✨ Fresh new look
✨ Easy to navigate
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Address

1/37 Grey Street
Traralgon, VIC
3844

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm

Website

https://www.jlmb.com.au/, https://brkpg.com/jason-low

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