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Everest Loans Disclaimer statement: Your complete financial situation will need to be assessed before acceptance of any proposal or product. Credit Rep Number: 494959

14/10/2026

Almost nobody feels ready to buy their first home. I didn't either.

Getting started usually takes less than people think. It starts with knowing your actual borrowing capacity, not a guess from an online calculator. Then it's working out what deposit you really need, and whether a low deposit scheme could bring that number down. It can also save you thousands in mortgage insurance.

From there, a pre-approval tells you your price range before you start looking, so you're checking suburbs and property types that fit your number instead of falling for places you can't buy.

That's about it for step one. Most first home buyers I speak to are closer than they think. They just haven't had anyone run the numbers with them.

If you're renting or living at home and not sure where you stand, give me a call.

11/10/2026

Sometimes the sign is just me telling you to stop paying off someone else's mortgage. If you're renting and wondering whether now's the time, give me a call and let's actually look at the numbers.

07/10/2026

Another question I get a lot, can you get a loan for a hobby farm or does it need to be a working farm?

Depends where it sits. Working farms usually get classified as commercial, so the lender won't stretch as far. Hobby farms with a house on them can sometimes be treated as residential, and I've gotten those up to 90% LVR before.

Not sure which category your place falls into? Give me a call and I'll sort it out.

04/10/2026

Pregnant, served an eviction notice, and the bank keeps saying no. That's not a situation you want to be in.

This was one of my clients. Newly married, pregnant, and needing a home before the baby came. The bank turned her down because she was about to go on maternity leave, and her husband wasn't a permanent resident yet, which mattered because they were borrowing under the low deposit scheme. On paper it looked hard to make work.

Instead of stopping at that first no, we went through a few different lenders and looked at different ways to structure the loan until we found one that actually fit her situation. She got into her home before the baby arrived, saved close to $15,000 in mortgage insurance, and ended up with a better interest rate than she expected.

A complicated situation doesn't mean the answer is no. Sometimes it just means the usual approach doesn't work, and you need someone to look at it from a different angle.

If your situation feels messy right now, send us a message and we'll talk through it.

30/09/2026

Got asked this one again, how much deposit do you actually need for a first home. Most people assume it's a straight 5% or 20% but there's actually a 2% option if you're a single parent, plus a bunch of conditions that come with it either way. Never assume the number until you've had the full picture.

Not sure where you sit? Give me a call and I'll walk you through it.

The RBA lifted the cash rate to 4.60%, delivering the fourth increase of the year. This makes it an ideal time to review...
29/09/2026

The RBA lifted the cash rate to 4.60%, delivering the fourth increase of the year. This makes it an ideal time to review your home loan and explore opportunities for a better deal.

Want to see if you can cut your rate? 📞 Call 0430 218 964 or send us a message to get started.

27/09/2026

Running through lenders and why I'd actually pick each one, because "best rate" isn't the whole story.

Some are better for self-employed clients, some move fast on turnaround, some just have a BDM I can call when something needs pushing through. This is the stuff that doesn't show up when you compare rates online.

Not sure which lender fits your situation? Give me a call and I'll talk you through it.

23/09/2026

First question people always ask about farm loans: is it even treated like a normal home loan? Short answer, no. It depends on whether it's a hobby farm or an income producing one, whether there's a house on the land, so it can end up classified as residential or commercial depending on the details. That's the bit I sort out so you don't have to guess.

Thinking about buying land? Give me a call and I'll figure out where it sits.

20/09/2026

Running through a quick rapid fire of mortgage "ratings out of 10", the stuff that actually matters vs the stuff we handle for you anyway.

16/09/2026

Most people running a farm don't get knocked back on land finance because of the land. It's the gear.

Tractors, headers, irrigation systems, all of that finance adds up. And when it's time to sit down with the bank for a land purchase, those repayments get counted against you. Half a million a year in equipment repayments can be the difference between getting approved and getting knocked back, even if the farm itself stacks up fine.

The thing is, most people assume this means they can't expand. Often that's not true. It just means the finance needs a second look. Sometimes restructuring what's already in place is enough to free up the borrowing capacity that's sitting there unused.

It won't apply to every situation, but it's worth knowing where you actually stand before you rule anything out.

If you're running a farm and thinking about buying more land, send us a message and we'll go through your numbers with you.

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Westmeadows, VIC
3049

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+61430218964

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