Remi Vigor - Mortgage Specialist

Remi Vigor - Mortgage Specialist Your trusted mortgage broker, finding the right loan tailored to you
🏡 First home, 🏘️ investment, 🚙 asset purchase – I've got you covered!
(1)

Remi Vigor is a credit representative (Credit Representative Number 562534) of Outsource Financial Pty Ltd (Australian Credit License 384324), and works as part of Better Money Lenders (ABN 25 154 100 240 | Credit Representative Number 107252). This is general information only and is subject to change. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Privacy Policy - https://bettermoneylenders.com.au/privacy-statement/

03/03/2026

Most first home buyers don’t fail because they can’t afford a property.

They fail because they’re trying to make a six-figure decision based on TikTok comments, group chats, and half-understood advice.

There’s a difference between information and strategy.

Before you look at listings, you should know:
• Your realistic borrowing capacity (not a guess)
• Your true deposit position (including costs)
• What schemes or guarantees you actually qualify for
• What your repayments look like at assessment rates — not just today’s rate

Clarity reduces anxiety.

Numbers create confidence.

If you’re serious about buying but feel stuck in research mode, it’s time to replace noise with a plan.
No obligation strategy call available, send me a message, or use the link in my bio to book a time that works for you.

General information only — lending subject to credit assessment and eligibility criteria.

02/03/2026

Stamp duty is one of the biggest upfront costs when buying your first home, and is so often overlooked.

But depending on your state, you might not have to pay it at all.

That can mean a saving of anywhere from $10k–$30k+ depending on the purchase price.

Now the important part — this is not automatic and it’s not universal. These exemptions generally require:
• You to be a genuine first home buyer (never owned residential property in Australia before)
• The property to be your principal place of residence
• You to move in within the required timeframe
• You to hold the property for the minimum occupancy period

Additional notes:
• WA thresholds vary slightly between metro and regional areas.
• TAS exemption is currently legislated to end 30 June 2026 unless extended.
• This table applies to established homes only — new builds can fall under different rules.
• Eligibility rules and thresholds can change based on contract date.

This is general information only and not personal advice. Always confirm eligibility with your state revenue office or speak to a qualified broker or solicitor before signing a contract.

If stamp duty has been the thing holding you back, it might be worth checking whether you actually need to pay it.

26/02/2026

Property Portfolio or Just Earn More and Save?

Let’s slow this down and look at the numbers properly.

If you had a $1.5 million property portfolio growing at 6% per year, compounded annually, and held it for 30 years, it would become approximately:

➡ $8.61 million

That’s roughly $7.11 million in capital growth alone.

Now here’s the comparison most people don’t run.

If you wanted to generate that same $7.11 million through income instead of asset growth, you would need to:

• Earn an additional $237,150 per year pre-tax for 30 years
• And save every single dollar of it

If you’re comparing it to after-tax dollars (assuming roughly a 32% effective tax rate), you would need to earn approximately:

• $348,800 per year pre-tax, consistently, for 30 years
• Again, saving all of it

That’s the structural difference between building capital that compounds… and relying purely on wage income.

Now, before anyone jumps in — here are the assumptions behind this illustration:

• 6% annual capital growth
• 30-year holding period
• Compounding annually
• No transaction costs included
• No holding costs (rates, insurance, maintenance) included
• No interest costs included
• No rental income included
• No capital gains tax included
• Income comparison assumes 100% of earnings are saved
• Tax rate assumption will vary by individual

This is not a prediction.
It’s not financial advice.
It’s a mathematical comparison.

Compounding at scale does something that linear income simply struggles to replicate.

Most people try to work harder to earn more.
Fewer focus on acquiring assets that grow while they sleep.

The real question isn’t “is property perfect?”
The real question is: what vehicle are you using to build long-term wealth?

Because time will pass either way.

You can either trade it for income…
Or use it to compound capital.

25/02/2026

Most people don’t realise this until it’s too late.

Buy Now Pay Later isn’t assessed based on the $0 balance showing in your app. Many lenders assess it based on the account limit, similar to a credit card.

That means servicing calculators apply a repayment percentage to the limit, not what you currently owe.

Five open BNPL accounts with nothing outstanding can still reduce borrowing capacity. I’ve seen it happen. Recently, we had to close multiple unused accounts just to get a deal over the line.

It’s not about demonising Afterpay or Zip. It’s about understanding how lenders interpret behaviour. Open, unused credit lines signal potential future debt. That increases perceived risk.

If you’re planning to buy in the next 12–24 months:
• Close unused BNPL accounts
• Reduce unnecessary credit limits
• Clean up conduct early

Convenience today can cost you capacity tomorrow.

If you’re unsure whether your accounts are impacting your borrowing power, get clarity before you apply.

20/02/2026

“If you didn’t buy years ago at this age, you feel like you’ve missed out…”

Had to bring in some perspective for that line. My 5-year-old wasn’t available for any detailed market commentary, but he agreed the 2009 buying window was inconvenient timing.

Jokes aside, every generation feels like they’ve missed the “easy” market.

The reality?
It’s harder in some ways. Different in others. But not impossible.

First home buyers are still getting in every week. They’re just taking a different path — smaller deposits, government schemes, guarantors, units, regional markets, stepping-stone properties.

If you feel like you’ve missed it, you probably haven’t explored your actual options yet.

Reach out if you want clarity instead of headlines, and we can get you started on the plan to own your own home.

And no, my recommendation isn't start buying at 5 😅

16/02/2026

The First Home Super Saver (FHSS) Scheme is one of the most underused deposit strategies available to first home buyers, but only if it’s structured properly.

Here’s how it actually works:

• You can make voluntary contributions into your super of up to $15,000 per financial year, up to a maximum of $50,000 total eligible for release.
• These contributions can be either concessional (before-tax) or non-concessional (after-tax).
• Concessional contributions are taxed at 15% inside super, instead of your marginal tax rate — which is where the potential tax savings come from.

When you’re ready to buy:
• You apply to the ATO for a determination and release.
• You can withdraw your eligible contributions plus associated deemed earnings.
• Withdrawals of concessional amounts are taxed at your marginal rate less a 30% tax offset, which often still results in a net tax benefit compared to saving in your own name.

Important details people miss:
• Employer Super Guarantee contributions cannot be withdrawn — only voluntary contributions count.
• Contributions still count toward your normal super contribution caps.
• You must intend to live in the property for at least 6 of the first 12 months.
• Timing matters — you need to apply for release before signing a contract (with limited exceptions).

Why it’s powerful:
If you’re on a decent income and disciplined with savings, the tax advantage can accelerate your deposit faster than using a standard savings account.

Why it’s not for everyone:
If cash flow is tight, your timeline is very short, or contribution caps are already maxed out, it may not be the right move.

Like most strategies — it’s not about hype, it’s about suitability.

Address

Whitsundays, QLD

Opening Hours

Monday 7:30am - 5:30pm
Tuesday 7:30am - 5:30pm
Wednesday 7:30am - 5:30pm
Thursday 7:30am - 5:30pm
Friday 7:30am - 5:30pm
Saturday 7:30am - 5:30pm

Telephone

+61419187029

Website

Alerts

Be the first to know and let us send you an email when Remi Vigor - Mortgage Specialist posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category