Clint Fitzgibbon - Mortgage Adviser

13/08/2026

We can do it ALL!

11/08/2026

Ever feel like buying your first home is like playing golf for the first tme? ⛳️🏠

You start out confident, take a few swings, miss the ball completely, and halfway through you're wondering why nobody warned you how hard the course was going to be.

Understanding how to buy a house can be like this, the rules of the game and bank terminology are just poorly explained. One piece of jargon that is used is L-V-R.

To know what house you can potentially buy you need to understand what LVR (Loan to Value Ration) actually means...

Here’s the framework: LVR is total amount borrowed divided by property value.

House price = $1,000,000
Your deposit = $200,000
Amount borrowed = $800,000
Your LVR = 80%

Lower LVR = safer bank. Higher LVR = higher risk. If you need to drop your LVR to get approved, you have two options: save a bigger deposit or buy a cheaper house.

Master your LVR and stop guessing what lenders want.

19/07/2026

Welcome! Let’s cut to the chase and focus on what matters: making your property and financial goals a reality.

Think of me as your strategic and personal lending partner. I balance holistic personalised mortgage advice with professionalism, integrity and service, empowering clients to make informed decisions about their financial future.

Here are the 4 core areas I specialise in:
🏡 First Home Buyers: Guiding you safely through the home buying journey.
🔄 Refinances & Restructures: Optimising your current loan structure to pay off your home loan faster.
💼 Investment Properties: Strategic lending to leverage equity safely.
📈 Portfolio Reviews: Analysing your assets to ensure debt works smarter, not harder.

How to Work with Me:
👉 1. Book a 10-Minute Discovery Call: Click "Call Now" and we'll clarify your goals and see how I can help.
👉 2. Fast Secure Setup: All the necessary forms and information can be completed digitally.
👉 3. Your Strategy Roadmap: We’ll review your custom lending options via video or over coffee. You deal directly with me, and in most cases, my services cost you absolutely nothing.

📲 Ready to make your next move? Click the link to book your 10-minute discovery call today, or Click "Call Now"to chat!

04/05/2026

It’s always a privilege to support first home buyers through such an important milestone. Grateful to be part of the journey and help make homeownership a reality.🏠😊

17/04/2026

Complaining gets your nowhere...! You can either do something about it or stay where you are. If you decide to make a change great, if you decide to do nothing then you need to stop complaining.
If you are unhappy with your bank l can help you make a decision by providing you with all the information needed to make an informed decision. Change or stay put - what will you do???

10/04/2026

Latest update form the Reserve Bank!

30/03/2026

Most people spend months or even years thinking about buying their first home but never take the first step.

Not because they’re not capable.

But because they don’t know:
How much they could borrow
What deposit they actually need
What steps come next

A short conversation can often provide the clarity people have been searching for.
Once you understand your position, you can start planning with confidence.

If you’d like to understand your options, comment below and we can organise a quick chat.

06/07/2025

Now could be a time to think about refinancing your mortgage? See info below ot see if it is worth while for you....

21/02/2025

Great news that the OCR has been reduced by another 50 basis, points. Now officially at 3.75%. It looks like there is some light at the end of the tunnel and some key takeaways from the decison this week!

Reserve Bank Governor Adrian Orr expressed confidence in the economy’s direction, signalling the potential for further cuts throughout 2025.