Mortgage Choice - Jane Brazenor

Mortgage Choice - Jane Brazenor Jane Brazenor is a Smartline Personal Mortgage Adviser in Mount Hawthorn. Finalist, Smartline Client Care Award WA 2010

She can look after all your financing needs including home loans, personal loans, leasing and commercial and business financing Before I became a mortgage broker, I had a rewarding career as a top loan writer with the Commonwealth Bank for over 10 years. However, I found that one bank did not necessarily fit the needs of every client so I decided to join Mortgage Force in 2005 (which merged with S

martline in 2009) and start my own mortgage broking business. This has allowed me to offer my clients multiple options and as I have a good understanding of the many products offered by the many different lenders, I can tailor a loan and package to suit you now and into the future. I love what I do and I am very grateful that most of my business comes by way of referrals from my existing client base. Some of my clients initially came to me as first home buyers and are now experienced property investors. It is very rewarding to see them succeed and to receive feedback that I played a big part in helping them get there – I would love the opportunity to help you too. I can assist you with:

A first home purchase
Property & personal Investing
Moving house including bridging finance
Building & renovations
Re-financing
Debt consolidation
Restructuring
Self employed
Life insurance to cover your loan

Jane's mortgage broking business is based in Mount Hawthorn. She is fully mobile and services all areas of the Perth metropolitan area including but not limited to Joondanna, Glendalough, Menora and Leederville and can visit you outside of working hours in the comfort of your own home.

Understanding your borrowing capacity is often the first step in any property journey. 🧐 Borrowing capacity is the maxim...
18/05/2026

Understanding your borrowing capacity is often the first step in any property journey. 🧐

Borrowing capacity is the maximum amount of money a lender is willing to loan you to purchase a property. It factors in your income, your existing debts, living expenses, and the lender’s current interest rates, to ensure you can comfortably manage repayments.

Ready to find out where you stand? Let’s chat today for a quick assessment of your borrowing potential. PH 0431 042395

To figure out which option is best for you, ask yourself these questions:🧠 Can you handle payment surprises, or do you n...
14/05/2026

To figure out which option is best for you, ask yourself these questions:

🧠 Can you handle payment surprises, or do you need predictability?
💰 Do you have a buffer if rates rise, or is every dollar accounted for?
😴 Will rate movements stress you out, or can you ride the waves?
📈 Do you think rates are going up, down, or sideways?

Finding your first home is exciting, but the research phase can quickly send you down a rabbit hole of tabs, calculators...
13/05/2026

Finding your first home is exciting, but the research phase can quickly send you down a rabbit hole of tabs, calculators and confusing terminology. 🏠🌀

You don't need more search tabs – you need a broker by your side.

I will take the time to cut through the jargon so you know exactly where you stand and how to get where you want to be.

Let’s simplify your home-buying journey together. ✨

Your next property move starts with a plan.More space? Brand new build? Investment property?Let’s find the right finance...
11/05/2026

Your next property move starts with a plan.
More space? Brand new build? Investment property?
Let’s find the right finance strategy for your goals. 🏠✨

It might seem like a small number, but a 0.25% increase can immediately reduce your borrowing power.The market is always...
07/05/2026

It might seem like a small number, but a 0.25% increase can immediately reduce your borrowing power.

The market is always changing and having an expert broker on your side to help navigate these changes is invaluable.

Contact Jane📱 0431 042395
07/04/2026

Contact Jane📱 0431 042395

Thinking you need a huge deposit to get into the property market? 🤔💭 Think again!A bigger deposit can help 💰, but it’s d...
02/04/2026

Thinking you need a huge deposit to get into the property market? 🤔💭 Think again!

A bigger deposit can help 💰, but it’s definitely not the only way in the door 🚪🏡. With the right government schemes 🏛️, smart lender choice 🏦, and a strong application 💪📄, you might be closer than you think!

Ready to see what’s possible for you? 👀✨
Chat with me today 🗣️📲 and take that first step toward your new home 🏠❤️

Bridging loans can be a great option to secure your next move, but it’s important to go in with a clear strategy.   Here...
30/03/2026

Bridging loans can be a great option to secure your next move, but it’s important to go in with a clear strategy.

Here are the top tips to consider when applying for a bridging loan: ⬇️

Pay interest as you go: Some lenders let you add interest repayments to your 'peak debt' rather than paying interest during the loan period. While this can help with cash flow management, it also increases your loan balance each month (and you'll pay interest on that new, higher amount). Paying the interest as you go keeps your peak debt from growing.

Avoid LMI: Try to keep your 'end debt' under 80% of your new home's value to avoid paying Lender’s Mortgage Insurance (LMI).

Watch the clock: Bridging loans are short-term, usually 6 to 12 months. List your home as soon as you can to avoid exceeding the timeframe.

Talk to a broker: I can guide you through the bridging loan process. I will walk you through your options and help you power your next move with confidence.

Rentvesting is a great option if you want to secure your place on the property ladder, but can’t afford to buy a home in...
26/03/2026

Rentvesting is a great option if you want to secure your place on the property ladder, but can’t afford to buy a home in the location or with the space you want.

There are pros and cons when it comes to this type of investment strategy. Here are a few to keep in mind:

Pros:
▪️ Enter the property market sooner
▪️ Live where you want to
▪️ Build equity and an income stream from your rental property
▪️Start building your investment portfolio.

CONS:
▪️ You’ll need to pay rent, plus any costs on the property you own but rent out
▪️ You’re not buying a house to live in
▪️ Rental rules will apply to the property you’re living in
▪️ Less certainty about your ability to stay in your rental property long term.

If you’re interested in rentvesting, there’s a lot to consider. I can work through the different options with you and help find the right investment loan for you.

Talk to us today.

Fixed or variable — it’s the question everyone asks when getting a home loan.But the truth? There isn’t a “best” option,...
25/03/2026

Fixed or variable — it’s the question everyone asks when getting a home loan.

But the truth? There isn’t a “best” option, just what works best for you. Your lifestyle, your goals, and your comfort with change all play a part.

And here’s the thing… there’s actually more than just those two choices.

When you understand all your options, the decision becomes a whole lot clearer.

Address

353 Cambridge Street
Wembley, WA
6014

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+61431042395

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