Yes, but the amount you can borrow will depend on your home’s current value and your loan-to-value ratio (LVR). If your property has increased in value, you may be able to access additional equity. If it has decreased, your options may be more limited. I can run through all the possible scenarios with you.

Savings depend on factors like your current interest rate, loan term, and repayment structure. Many homeowners save thousands over the life of their loan by securing a lower rate or restructuring their mortgage. I'd be more than happy to help calculate your potential savings.

When refinancing, you might face costs such as discharge fees from your current lender, new loan establishment fees, potential break costs (for fixed loans), and government fees. However, the long-term savings can often outweigh these costs, depending on your situation.

You might want to consider refinancing your home loan if interest rates have dropped, your financial situation has improved, or you want to switch to a different loan structure. It can also help you consolidate debt, access equity, or reduce your monthly repayments.

The home loan process can take anywhere from a few weeks to a couple of months, depending on your situation and the lender. I’ll guide you through each step, ensuring things move as quickly and smoothly as possible, so you can start focusing on your new home sooner!

Instead of approaching your local bank and applying for a mortgage, you can contact a mortgage broker who will act on your behalf.

I have a range of clients who contact me with many different circumstances. For example, if someone is planning to buy a property, after getting to know them and their financial position, I sift through all the different options from many different banks and figure out who’s offering the lowest interest rate, cash back offers or other incentives that might be beneficial. We then discuss the options together and decide a plan.

From then, I handle all the paperwork, the admin and all the phone calls with the bank. I have no incentive to choose any specific bank, so I am a completely neutral advocate working in your best interest. My only incentive is to make the process as smooth and fast as possible for my clients, so that we can build a lasting relationship for the future of your property investment journey. Building healthy client relationships is the most important part of my work.

Nope! You don’t pay me a cent. I get paid a commission from the bank when your loan is settled.

The amount I am paid is fairly consistent from bank to bank, with very marginal differences. I’m not tied to any specific banks, I’m a completely impartial, which ensures I’m working in your best interest. I do, however, have good relationships with the banks I work with more regularly, but I have no financial incentive to connect you with any particular bank.

Once your loan settles, my relationship with my clients don’t end – it’s just the beginning! I want to be able to help you as your loan progresses and be there down the road if you choose to refinance, buy your next property or anything in between.

I regularly contact my existing clients whose loans have settled, to see if I can get them a rate discount, answer any questions they may have, and continue to see what might be able to be tweaked to make their mortgage work best for them.

Building an ongoing partnership with my clients is all part of the ‘culture’ aspect of Mortgage Culture. I want to be able to come alongside you and your family, empower you and help you build your wealth through property.

When my wife and I were purchasing our first property, we had a particularly difficult time with years of delays in an off-the-plan apartment. Although at the time I had been working in the industry for many years, it was still incredibly stressful and disempowering.

The property market ecosystem is not only huge, but also complex. With real estate agents, property developers, banks, solicitors, and we are supposed to learn very quickly how they all interact, not to mention all the complicated jargon.

I thought this culture needs to change. The property finance industry needs a healthy culture of empowerment, especially for young people or those navigating it for the first time.

So, Mortgage Culture was born with the mission to make every client feel heard, empowered, and important, regardless of their age, income, or any other circumstance. To create a healthy culture around your finances.