Education centre

Your business may have outgrown your commercial lender. A private or non-bank loan may have helped you purchase your premises. With a stronger repayment history, you may now qualify for prime bank lending. Let’s review your options and potential savings. Complete the fact find: https://www.fetchmyhomeloan.com.au/fact-find Or call Matthew Stack | Fetch My Home Loan 0423 237 242 Subject to lender criteria and approval. #commercialproperty #commercialrealestate

There may be an easier way to refinance your commercial property loan from a private or non-bank lender back to prime bank rates. • 12 months of good repayments • Property held in a business or company name Depending on eligibility, business financials or tax returns may not be required. Give me a quick ring or complete the online fact find: [https://www.fetchmyhomeloan.com.au/fact-find](https://www.fetchmyhomeloan.com.au/fact-find) Subject to lender criteria and approval. Finance Broker: Matthew Stack 0423 237 242  \#commercialproperty #commercialrealestate

Helping business owners finance the commercial property they run their business from. If you bought your commercial property using a private funder or non-bank lender, when was the last time you checked your loan for something cheaper or more suitable? That's exactly what we do here at Fetch. Give me a call or fill out this online fact find, so we know how to help you better: www.fetchmyhomeloan.com.au/fac-find Matthew 0423 237 243 Matthew@fetchmyhomeloan.com.au #commercialrealestate #commercialloans #financebrokeraustralia

How Bob Ellis went from a carpenter, to one of Australia greatest property developers / investors.

Rene Rivkin: the rise, the deals and the fall. 📍 1944 — Born in Shanghai. 📍 1951 — Arrives in Australia. 📍 1969–70 — Becomes a stockbroker and opens his first firm. 📍 1985 — Named BRW Stockbroker of the Year. 📍 1986 — Takes a 50% stake in John Singleton Advertising. 📍 1992 — Rivkin-controlled company buys Offset Alpine for $15.3 million. 📍 1997 — Launches the Rivkin Report. 📍 2003 — Convicted of insider trading; sentenced to nine months’ periodic detention. 📍 2004 — Permanently banned from financial services. 📍 2005 — Dies aged 60. A life of wealth, ambition, personal struggles and lasting consequences. 🐾 Whose life do you want Fetch to sniff out next? Comment below. #ReneRivkin #AustralianHistory #BusinessHistory #FetchMyHomeLoan

Don't bury your head in the sand. Take action. Understand we're in a rate hike cycle and get past it. Real estate is a long term play. Over the course of 30 years, you won't care about higher rates you paid in the beginning. It's not relevant. Want to run some borrowing capacity numbers? Want to refinance your property? Or look at refinance? #refinance #rba #mortgagebroker #bridging #commercialproperty #commercialfinance

No income, no savings, heres how we helped this retiree with bridging finance.

HOOK First home buyers — should you get pre-approved? Pre approval gives you confidence when looking at properties because you know your budget before making an offer. It also helps you move quickly when you find the right home. Let's get your numbers sorted before you start shopping. Matthew Stack mortgage broker 0423 237 242 www.fetchmyhomeloan.com.au

Earn the same income but borrowing less? Here's why. A lot of first home buyers are surprised when they speak to a lender and find out their borrowing power has changed. Your income is only one part of the equation. Lenders also consider: ✅ Current interest rates ✅ Lender assessment policies ✅ Credit card limits (even if you don't use them) ✅ Buy Now Pay Later accounts ✅ Personal loans and other debts ✅ Your living expenses Small changes can make a big difference to how much you may be able to borrow. The good news? Understanding this early gives you time to improve your position before applying. 📅 Book a free Borrowing Capacity Assessment and let's work out your real borrowing power before you start house hunting. 📞 Matthew Stack Senior Mortgage Broker Fetch My Home Loan 📱 0423 237 242

Want to know what a lender looks at before approving your home loan? Most first home buyers think it's just about how much money they earn. But lenders look at the bigger picture: ✅ Your income and employment history ✅ Your existing debts and repayments ✅ Your living expenses ✅ Your credit history ✅ Your savings habits ✅ Your ability to comfortably repay the loan Understanding this before you apply can help you avoid surprises and give you a clearer plan to buy your first home. The earlier you know where you stand, the better prepared you'll be. 📅 Book a free assessment and let's work out what could impact your home loan approval. 📞 Matthew Stack Senior Mortgage Broker Fetch My Home Loan 📱 0423 237 242 #FirstHomeBuyer #HomeLoan #MortgageBroker #BorrowingCapacity #PropertyAustralia FirstHomeJourney HomeBuyingTips FetchMyHomeLoan

First home buyers — stop looking at houses before doing this. The biggest mistake I see? People fall in love with a property before knowing whether they can actually afford it. Before you spend your weekends going to open homes, you should know: ✅ How much you can borrow ✅ What your monthly repayments could look like ✅ How much deposit you'll need ✅ What government schemes or incentives you may be eligible for Knowing your numbers first means you can search with confidence and avoid wasting time looking at properties outside your budget. 📅 Book your free Borrowing Capacity Assessment today and know your numbers before you start looking. 📞 Matthew Stack Senior Mortgage Broker Fetch My Home Loan 📱 0423 237 242 #FirstHomeBuyer #FirstHome #HomeLoan #BorrowingCapacity #PropertyAustralia MortgageBroker FirstHomeJourney FetchMyHomeLoan

Already have a commercial property loan? Don't just set and forget it. Many business owners take out a commercial loan and never review it again. But your situation changes: ✅ Your business grows ✅ Your property value increases ✅ Lenders change their pricing ✅ Better options may become available The rate you accepted a few years ago may no longer be competitive. A quick commercial loan review could help you: ✔ Reduce interest costs ✔ Improve monthly cash flow ✔ Explore better lending options The first step is simple... 📩 Send me your current interest rate and loan details, and I'll let you know if your rate is still competitive. No pressure. Just a quick review of your options. #CommercialProperty #CommercialFinance #CommercialLoan #BusinessFinance #BusinessOwner MortgageBroker PropertyInvestor FetchMyHomeLoan

🏡 Thinking about downsizing? This could make your next move easier. Many homeowners feel stuck between two choices: ❌ Sell first and hope you find the right home ❌ Buy quickly because you don't want to miss out But you may have another option. A bridging loan can provide flexibility by allowing you to secure your next home before selling your current property. It could help you: ✅ Take your time finding the right home ✅ Avoid rushing into a sale ✅ Reduce the stress of coordinating settlement dates ✅ Move when the timing works for you Every situation is different, but if you have equity in your current home, it may be worth exploring your options. 📩 DM me "DOWNSIZE" or call 0423 237 242, and I'll explain how bridging finance works and whether it could suit your situation. Your next chapter should be exciting—not stressful. #Downsizing #BridgingLoan #HomeLoan #MortgageBroker #PropertyAustralia RetirementLiving HomeFinance FetchMyHomeLoan

🏡 Want to buy your next home before selling your current one? One of the biggest concerns I hear from downsizers is... "What if I sell too early and have nowhere to live?" Or... "What if I find my dream home before I've sold my current one?" A bridging loan could be the solution. It may allow you to: ✅ Buy your next home before selling your current one ✅ Move when it suits you ✅ Avoid the pressure of accepting a low offer just to meet a deadline ✅ Give yourself more time to sell for the right price Bridging finance isn't right for everyone, but for the right situation, it can make your move much less stressful. 📩 DM me "BRIDGE" or call 0423 237 242, and I'll explain how bridging finance works and whether it could suit your plans. Your next move doesn't have to be rushed. Let's make a plan first. #BridgingLoan #Downsizing #HomeLoans #MortgageBroker #PropertyAustralia HomeFinance RetirementPlanning FetchMyHomeLoan

🏡 Think you need a 20% deposit to buy your first home? It's one of the biggest myths stopping Australians from getting into the property market. The truth is, many first home buyers can purchase with a much smaller deposit, depending on their circumstances. You could be eligible for: ✅ A 5% deposit ✅ No Lenders Mortgage Insurance through the First Home Guarantee Scheme (if eligible) ✅ Government grants and stamp duty concessions ✅ A borrowing capacity assessment so you know exactly where you stand Every first home buyer's situation is different. That's why getting the right advice before you start house hunting can save you time, money and disappointment. 📩 DM me "FIRST HOME" or book your free Borrowing Capacity Assessment, and let's work out what's possible for you. 📞 Matthew Stack Senior Mortgage Broker Fetch My Home Loan 📱 0423 237 242 #FirstHomeBuyer #FirstHome #BorrowingCapacity #HomeLoan #MortgageBroker FirstHomeGuarantee AustralianProperty FetchMyHomeLoan

💰 Got a 5% deposit? You could buy your first home sooner than you think. One of the biggest misconceptions I hear is: "I need a 20% deposit before I can buy." That's simply not true for many eligible first home buyers. If you qualify for the First Home Guarantee Scheme, you may be able to purchase your first home with just a 5% deposit and avoid paying Lenders Mortgage Insurance (LMI)—potentially saving you tens of thousands of dollars. Every situation is different, and eligibility depends on things like your income, the property price and available places in the scheme. 🏡 If you're wondering whether you qualify, let's find out. 📩 DM me "FHG" or call 0423 237 242, and I'll check your eligibility and explain your options—at no cost and with no obligation. Don't rule yourself out before you know what's possible. #FirstHomeBuyer #FirstHomeGuarantee #FirstHome #HomeLoan #MortgageBroker PropertyAustralia BuyingAHome FetchMyHomeLoan

🏡 Thinking about buying your first home? Start here. Before you spend weekends at open homes or fall in love with a property, find out how much you can actually borrow. A Borrowing Capacity Assessment will help you understand: ✅ How much you may be able to borrow ✅ How much deposit you'll need ✅ Your estimated repayments ✅ Whether you're eligible for the First Home Guarantee Scheme ✅ What you need to do to improve your borrowing power The best part? It's free, there's no obligation, and it could save you months of wasted time looking at homes outside your budget. 📅 Book your free Borrowing Capacity Assessment today and let's put together a plan to get you into your first home sooner. 📞 Matthew Stack Senior Mortgage Broker Fetch My Home Loan 📱 0423 237 242 #FirstHomeBuyer #BorrowingCapacity #HomeLoan #FirstHome #MortgageBroker FirstHomeGuarantee AustralianProperty FetchMyHomeLoan

Still paying 7%, 8% or even 9% on your commercial property loan? You might be paying more than you need to. If your loan was originally approved with a non-bank lender or as a low doc loan, your circumstances may have changed. With 12 months of perfect repayments, you may now qualify to refinance to a major bank. In many cases: ✅ Rates from as low as 6.9%* ✅ No full business financials or tax returns required ✅ Just your last 12 months of loan statements ✅ The lender may even cover the valuation The best part? It only takes a quick conversation to find out whether it's worth exploring. 📩 DM me "REFI" or call 0423 237 242, and I'll let you know if you may qualify. There's no obligation—just an honest assessment of your options. *Interest rates, lending criteria and approval are subject to the lender's assessment. #CommercialProperty #CommercialFinance #CommercialRefinance #BusinessFinance #BusinessOwner MortgageBroker AustralianBusiness CommercialPropertyLoan

Paying over 7.5% on your commercial property loan? You could be paying thousands more in interest than you need to. If your loan was originally approved with a non-bank lender, as a low doc loan, or when your business was in a different position, it may now be time to review it. ✅ Rates from as low as 6.9%* ✅ Major bank options available ✅ 12 months of perfect repayments may be enough ✅ Often no full business financials or tax returns required ✅ Many lenders will cover the valuation A quick review could save your business significant money each year. 📩 DM me "REFI" and I'll let you know if it's worth looking at. Matthew Stack 0423 237 242 matthew@fetchmyhomeloan.com.au www.fetchmyhomeloan.com.au *Rates, approval and lending criteria apply. #CommercialProperty #CommercialPropertyLoan #CommercialFinance #BusinessLoans #Refinance BusinessOwner PropertyInvestor CommercialMortgage CashFlow SmallBusinessAustralia BusinessFinance 

Prime full doc commercial loans are your first choice if you have full financials to provide and you have the required time frame for full assessment. You would look at low doc if your tax returns and business financials aren't available and you need your assessment done a lot quicker so you don't miss out on the property that is right for your business. If you'd like to take through your options, give me a call. Matthew Stack - 0423 237 242 matthew@fetchmyhomeloan.com.au #lowdoc #comemrcialloan #lowdoccommercil #lowdocSMSF

🏡 Andrae & Robyn had the equity to make their next move — but their income didn’t fit the requirements for a traditional bridging loan with monthly repayments. They are nearing g retirement and are earning considerably less than their "hay day". They wanted to downsize from Sydney to Newcastle without being forced to sell first as they wanted time to move. As their broker, I helped structure a bridging solution that allowed them to: ✅ Buy their next home first ✅ Sell Sydney property after a few months. ✅ Make no monthly bridging repayments. ✅ Move with no stress Sydney sale: $2.3M Newcastle purchase: $1.7M Estimated surplus after settlement: ~$600K A great outcome for Andrae & Robyn — turning their next chapter into a smooth transition. Want a quote for your bridging finance? Give me a call to discuss (no obligation or pressure). Matthew Stack (broker): 0423 237 242 www.fetchmyhomeloan.com.au #bridgingloan #bridgingfinance #downsizing

Another renter turned first home owner! Well done Harry & Ellen.

Another legend got preapproval to buy his first home. Why couldn't the next one be you? Call or SMS to tell me what you're looking to do. Matt - 0423 237 242 www.fetchmyhomeloan.com.au #firsthomebuyer

Want help with your home loan? Call me. Matthew Stack 0423 237 242 Matthew@fetchmyhomeloan.com.au #firsthomebuyer #refinance #mortgagebroker

If you'd like help with your home loan, give me a call to discuss what you're looking to do. Matthew Stack 0423 237 242 Matthew@fetchmyhomeloan.com.au #firsthomebuyer

We helped Shalini with her first home loan. She was a rentvester and needed higher borrowing capacity than standard prime lenders. We went to non bank Zeus. Slow and clunky and very frustrating (for a broker), but rates are sharp and borrowing capacity is aggressive. If you'd like help with your home loan, give me a call. Matthew Stack 0423 237 242 Matthew@fetchmyhomeloan.com.au www.fetchmyhomeloan.com.au #firsthomebuyer #mortgagebroker

Go with a good lender or your first loan. There are always refinance options later... Matt - mortgage broker 0423 23 242 Matthew@fetchmyhomeloan.com.au #firsthomebuyer #fitsthomeowner #personal finance #mortgagebroker

Alex used the equity in her home for stamp duty and deposit on her investment property

We just lodged Nick's first home loan with Westpac... Matt - 0423 237 242 www.fetchmyhomeloan.com.au #firsthomeowners #firsthomebuyer

Tara bought her first home off the plan... #firsthomeowners #firsthomebuyer

A lot of work for a tiny loan, but you have to start somewhere... #firsthomeowners

Stop renting and own your own home...

Be brave and make that call... #firsthomebuyer #borrowingpower #mortgage #mortgagebroker

Get out if the research loop... #firsthomeowners #preapproval #5%deposit #mortgagebroker

Just get on that first call with a broker... #mortgagebroker #borrowingcapacity #firsthomebuyer

Can't rely on borrowing capacity ... #firsthomeowner #borrowingcapacity #preapproval

Borrowing capacity depends on much more than just your income. Grants, schemes and stamp duty vary based on your circumstances and location. Without understanding your situation, any advice is just a rough estimate. The goal of the call isn't to sell you a loan—it's to build a plan. The earlier you start planning, the easier it is to achieve your home ownership goals.Matt - Fetch

How to search for your first home? Point 1: Needs vs Wants Point 2: Location Matters More Than the House Point 3: Researching Suburbs Point 4: new vs Established Homes Point 5: Think Beyond the Purchase Price Matt - Fetch Fetchmyhomeloan.com.au 0423 237 242 #firsthome #firsthomeowner #firsthomebuyer #propertysearch #ppor

Point 1: Private Treaty vs Auction Point 2: How Offers Work Point 3: Negotiation Tips Point 4: Understanding Contract Matt - Fetch Fetchmyhomeloan.com.au #homebuyingprocess #homebuyingjourney #firsthomebuyer #Auction #firsthomeowners

The risks of 100% home loans! "Instead of waiting 3 more years to save a 20% deposit, a guarantor may help you buy now." What is equity in parents' home? We discuss family conversations and expectations before entering a guarantor arrangement. Highlight that independent legal advice is often required for guarantors. Share a real-world example (without client details) of how a guarantor helped a buyer enter the market. Matt - Fetch Fetchmyhomeloan.com.au 0423 237 242 #guarantorloan #firsthomebuyer #firsthomeowner #negativeequity

One of the biggest mistakes first home buyers make is waiting too long to speak to a conveyancer. Ideally, you should involve one before signing a contract or making an offer. These are some of the top 5 questions First home buyers Google right before buying property… “What does subject to finance mean?” “What is cooling off?” “Can I pull out after signing?”  0.25% is retained by the seller as compensation. “What is a 66W?” “What does exchange mean?” The conveyancer helps you settle the purchase so you can collect the keys. Cost $1,800 to $2,500. #conveyancer #firsthomebuyer #fisthomeowner #5%deposit

#buildingreport #firsthomebiyer #firsthomeowner #5%deposit #guarantorloan

Settlement is when the property transfers from the seller to the buyer. This is what happens behind the scenes: • Your lender sends the loan funds & you make your contribution • The seller’s conveyancer confirms everything is ready • Stamp duty and mortgage title fees are paid • Then the property title transfers into your name Once settlement is complete: the relator is notified you receive the keys to the property. So whose job is the settlement process? Mainly your conveyancer. They coordinate with: your bank the seller’s solicitor the real estate agent Most first home buyers don’t need to manage settlement themselves — but they do need to: sign documents on time transfer deposit  organise insurance before settlement complete the final inspection Settlement can feel stressful, but most of the heavy lifting is handled by your conveyancer and lender behind the scenes. Matt - Fetch #settlement #firsthomebuyer #5%deposit #guarantorloan #firsthomeowner

Steps to buying your first home: Check your borrowing capacity Use an online borrowing calculator to understand what you can afford. Research first home buyer schemes You may be eligible for government grants, stamp duty savings, or a 5% deposit scheme. Speak to a broker or lender Get advice on the right lender and loan options for your situation. Get pre-approved This gives you confidence around your budget before making offers. Start house hunting Now you can search knowing exactly what you can afford. Engage a conveyancer They’ll review contracts, organise building and pest reports, and help protect you legally. Formal approval & mortgage documents Once you’ve found a property, your loan moves to full approval. Settlement & move in Choose a settlement date, get the keys, and enjoy your first home. Matt - Fetch Fetchmyhomeloan.com.au 0423 237 242 #firsthomebuyer #firsthomeguarantee #homebuyingprocess

ANZ joins the 5% deposit scheme! I'm shocked it took this long, but now all big 4 banks are covered by the scheme. If you're a first home buyer, looking for your lending options under the First Home Guarantee scheme, why not talk to Fetch my home loan. We'll outline your borrowing options, government scheme eligibility, and compare all your lender options for you. And if your best option ends up being ANZ, then happy days, we'll create your application and apply for all your government scheme placements on your behalf. Fetch is a dedicated first home buyer mortgage brokerage. We do not charge a fee, as we are paid by the lender you choose. Book an appointment or give us a call. Fetch my home loan Matt 0423 237 242 www.fetchmyhomeloan.com.au #firsthomebuyer #firsthomeguarantee #anz #cba #stgeorge

So you want to buy your first home… Step one: “How much deposit do I actually need without selling a kidney?” Good news — you’ve got options 👇 🏡 The 5% scheme (the classic) Most common path. 5% = $32,500. Not exactly couch-cushion money… But also not “win the lottery” money. 👨‍👩‍👧 The Guarantor option Got a parent / family member sitting on equity and feeling generous? They can use equity in their property to help you get in — meaning you may not need to save the full deposit yourself. It’s basically: “Mum & Dad’s house… but make it strategic.” (Yes, we structure it properly. No, we’re not risking the family Christmas lunch.) 👩‍👧 The 2% scheme (for single parents) This one’s a game changer. 2% = $13,000. That’s a “tighten up spending for a year” number… not a “five-year monk mode” number. Now before you get too excited — You’ll still have other costs: • legal fees • transfer / stamp duty (depending on your state & eligibility) • government bits and pieces But we can map that out properly based on where you’re buying. No surprises. And yes — there are even more options. But the “best” one? Depends on: • your income • your debts • your family situation • your long-term plan There’s no one-size-fits-all deposit hack. Let’s have a chat and work out what your version looks like 👌 #mortgage #smallbusiness #firsthomebuyer #homeloan #realestate

If you invest $100k in an ETF that returns 10% pa, after 20 years you would have $732k. If you pay off your home loan, you'd be debt free for 20 years with no stress. Want to talk through your home loan options? Why not book an appointment to see what rates are out there in the market? Or just give me a ring. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #mortgagebroker

If you'd like my help in working out your borrowing capacity and funds needed to buy your first home, book an appointment or simply give me a call. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #mortgagebroker

#realestate #mortgage #smallbusiness #firsthomebuyer #mortgagebroker Why not book an appointment to see what rates are out there in the market? Or just give me a ring. Stack Mortgage Advisory Matt 0423 237 242

Want to talk through your home loan options? Why not book an appointment to see what rates are out there in the market? Or just give me a ring. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #firsthomebuyer #realestate #mortgage #mortgagebroker

Your first home loan is simple. Fetch my home loan is for first home buyers. Free appointment calendar in bio. Matt - 0423 237 242 #firsthmebuyerau #personalfinance #firsthomeloan #firsthomeguarantee #mortgagebroker

Your first home loan is simple. Fetch my home loan. 0423 237 242 Free appointment in bio. #firsthomeloan #firsthomebuyer #firsthomebuyerau #firsthomeguarantee #mortgage

If you like muy help consolidating debt or refinancing your home loan, why not give me a call to discuss. Prefer a call back? Just book in my calendar or send me an email. Stack Mortgage Advisory Matt 0423 237 242 matthew.stack@loanmarket.com.au Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #firsthomebuyer #realestate #mortgage #rentvesting

Things people think matter when buying a home: • The vibe • The kitchen splashback • Whether it has a butler’s pantry Things that ACTUALLY matter: 👇 1️⃣ Picking the right lender and strategy 😬 Please. I beg you. Do NOT walk into the bank you’ve been with since your Dollarmite account and expect: “Wow thanks for your loyalty since 1998 🥹 here’s the best rate, max borrowing power and a fruit basket.” That is not how it works. Banks are not sentimental. They are spreadsheets. In fact, going straight to your bank without a strategy can actually box you in and make things harder later. Loyalty is cute. Structure is powerful. 2️⃣ The value of the home on paper 🏡 You: “It’s PERFECT. I’ll pay whatever.” The bank valuer: “Absolutely not.” There’s this unsexy little thing called LVR (Loan to Value Ratio). If the numbers don’t line up, the lender doesn’t care how much you love the archways or the north-facing deck. Feelings don’t fund loans. Valuations do. 3️⃣ Your existing debts 🙈 You could earn a cracking salary… But if you’ve got: • car loans • Afterpay • Zip • 3 credit cards “just for emergencies” • gym membership from 2019 The bank sees commitments. And commitments affect borrowing power. BUT — with the right planning and strategy? We can usually tidy that up before it becomes a problem 😇 These are the things people realise… after they’ve already fallen in love with a property and emotionally moved in. Which is why speaking to a broker BEFORE house-hunting is elite behaviour. Find out what’s realistic first. Then fall in love. Did any of this surprise you?

Everyone thinks once you hit $100k you’ve “made it” 💰 Then your bank account hits you with the plot twist. You look at the numbers on paper and suddenly you’re like… “Wait… who is spending my money?? Because it definitely isn’t me.” 😅 Even if you’re renting instead of paying a mortgage, cut back on Uber Eats, and stop pretending you need 4 streaming services… there still isn’t a mountain of cash left to invest or build wealth. This is exactly why borrowing power, budgeting, and smart structuring matter so much. Income is important. But strategy is what actually creates breathing room. If you’re on $100k and wondering why it still feels tight… you’re not crazy. The numbers are just rude. If you want to see what your income actually lets you borrow and buy, send me a message and I’ll break it down for you. Stack Mortgage Advisory Matthew 0423 237 242 Free Appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgagebroker #mortgage

If you'd like my help in working out your borrowing capacity and funds needed to buy your first home, book an appointment or simply give me a call. Fetch my home loan We make your first home loan simple! Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #mortgagebroker

Rates will go up and down over your loan period. If you’re starting to feel it now, there's probably another rate hike in May. There's some easy wins to manage your cash flow. Start by consolidating all your credit cards, personal loans and car loans into your home loan. You can look at fixing your rate for 2 years to weather the storm better. Lower your spending on things yo don't need. This will build resilience into your finances. It can be stressful, but start doing these things early and get set up for success. Fetch My home loan Matt 0423 237 242 #smallbusiness #firsthomebuyer #fitsthomebuyerau #5%deposit #motgage

Just getting started? Check out The Millionaire Next Door. If your investments look flashy, you may have missed the point. Looking to buy your first investment property? Book a call and let’s see your borrowing capacity. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins Ambition without execution is just noise. Everyone loves talking about massive goals, but few respect the grind that actually builds them. Success lives in the unsexy moments: The routine. The repetition. Showing up on the days nothing exciting happens. Small actions feel weak at first — that’s why most quit. Time compounds consistency, not intensity. Do the boring work. Do it again tomorrow. Then again. Eventually, the results speak for you. #smallbusiness #mortgage #business #realestate mortgagebroker

Pretty sure it costs $50 just to leave the house now 🫠 Good news though… normal life spending won’t stop you getting a home loan. But THESE will 👇 1️⃣ Getting a new loan/credit card right before applying. Nothing says “I’m about to buy a house” like financing a jet ski. 2️⃣ Moving your deposit in and out of accounts like a game of hot potato. Lenders want to see savings… not magic tricks. Planning to buy in 2026? Let’s make sure you don’t accidentally sabotage it. Fetch my home loan Matt 0423 237 242 #realestate #mortgage #finance #mortgagebroker #smallbusiness

Buying solo or with a partner? Either way… time for radical honesty 😬 1️⃣ Put EVERYTHING on the table with your partner. Yes, even the Afterpay. Especially the Afterpay. 2️⃣ Then put everything on the table with me. Surprises are great for birthdays, not loan applications. 3️⃣ Unless it’s your forever home… stop buying with your feelings. Paint colours can change. Location cannot. Your borrowing capacity definitely cannot. House hunting, not house crushing your future 😌 Planning to buy in 2026? Let’s make sure you don’t accidentally sabotage it. Stack Mortgage Advisory Matt 0423 237 242 Appointment Calendar: https://calendly.com/matthew-stack-g7e/15mins Fill out online fact find: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #realestate #mortgage #finance #business #smallbusiness

Australian rents have surged 43.9% in the past 5 years, while wages rose just 17.5%. Rental affordability is now at record lows. WA recorded the steepest increase, with rents jumping 66% — far outpacing wage growth. The ACT was the only market where rent and wages stayed roughly aligned. If rent keeps rising faster than income, having a plan to buy becomes more important than ever. Book a call to discuss your borrowing capacity and how much you’d need to buy your first home. I’ll apply for all available schemes and stamp duty concessions on your behalf and help you create a clear path forward. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #rent #abcnewsmedia #smallbusiness #busibess #selfemployed

“bUt iNtErEsT wAs 17% bAcK iN mY dAy” Righto m8… and petrol was 30 cents and houses were the price of a decent ute 🚜 Yes, rates were 17%. But houses were like 3–4x your income. Now? Rates are lower… But houses are 8–10x income. It’s not the flex people think it is 🫠 Also, back then you could wander into your local branch, have a yarn with Barry the bank manager, and walk out with a loan because he liked your handshake. Now? You need: • clean bank statements • clean credit • stable income • acceptable living expenses • your firstborn child • and probably a blood sample And here’s the kicker… The bank you’ve been with since your Dollarmite account? Loyalty discount? Cute. Best rate? Rarely. There are lenders with sharper rates, better borrowing power, and smarter loan structures — you just won’t find them by lining up at the same branch you opened in 1999. That’s where I come in 😇 I look at: ✔ borrowing capacity ✔ rate ✔ product features ✔ long-term strategy ✔ how to actually pay it off faster (without eating 2-minute noodles for 30 years) Planning on buying this year? Let’s make 2026 the year you stop arguing about 17% interest rates and start building equity instead 💪 Talk to me about your home loan. Matt 0423 237 242 Email me your scenario: matthew.stack@loanmarket.com.au Book an appointment: https://calendly.com/matthew-stack-g7e/15mins #mortgage #firsthomebuyer #smallbusiness #realestate #investment

Your first home loan is simple. Have a dedicated first home buyer mortgage broker guide you through the preapproval process. Matthew 0423 237 242 Matthew@fetchmyhomeloan.com.au www.fetchmyhomeloan.com.au Appointment: https://calendly.com/fetch_my_homeloan/15mins #firsthomebuyer #firsthomebuyers #firsthome #firsthomemortgage #realestate

We make your first home loan simple. Back by Australia's most awarded aggregate. Fetch my home loan. Matthew Stack 0423 237 242 Appointment: https://calendly.com/fetch_my_homeloan/15mins #firsthomebuyer #5%deposit #realestate #mortgagebroker #smallbusiness

If you'd like my help in working out your borrowing capacity and funds needed to buy your first home, book an appointment or simply give me a call. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #mortgagebroker

If you would like my help finding your maximum borrowing capacity, amongst different lenders, then give me a call and let's go through your situation. Stack Mortgage Advisory Matt 0423 237 242 matthew.stack@loanmarket.com.au Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #rentvesting

We make your first home loan simple. Matt 0423 237 242 Matthew@fetchmyhomeloan.com.au Nationwide You want clarity on your first home loan options. You want to know if you can even afford a home loan. All these options are overwhelming; It's confusing. Every Aussie deserves to pay off their own mortgage. Fetch understands how daunting your first home loan can be. We're Australia's leading brokers for first home buyers. We'll guide you step by step through the process. If you're ready to purchase your first home, let us help you navigate this journey. Book your free appointment now. Owning your first home is empowering. You'll have confidence in your financial future. Don't stay stuck renting and miss your chance at home ownership. #firsthomebuyer #firsthomeloan #mortgage #plan

(Proverbs 3:5) Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #firsthomebuyer #realestate #mortgage #mortgagebroker

If you're a first home buyer, and you'd like a broker to work out your borrowing capacity, lender options and what you'd need saved to buy your first home, then book a free appointment in the bio or captions. Free appointment, I'm paid by the lender you choose. Stack Mortgage Advisory Matthew 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #stampduty #realestate #business #smallbusiness

Matthew 6:19 Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #firsthomebuyer #realestate #mortgage #mortgagebroker

I’m a mortgage broker and I help clients plan their next property move. Fill out this online fact find so I know how to help you: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started Book a home loan appointment: https://calendly.com/matthew-stack-g7e/15mins Matt 0423 237 242 Stack Mortgage Advisory #smallbusiness #business #realestate #mortgage #investment

According to the SBS report 2026. #abs #commercialrealestate #investment #budget #news

If you'd like my assistance with your next home loan, why not book an appointment in my calendar or simply give me a call. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #tax #investment #investing #realestate #budget

Ephesian 6:11 Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #firsthomebuyer #realestate #mortgage #mortgagebroker

Can’t afford to buy where you want to live? That doesn’t mean you’re out of options. Rentvesting can help you: • Get into the market sooner • Build equity as prices move • Rent where you want, buy where you can afford 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call/SMS: Matt 0423 237 242 — Stack Mortgage Advisory #rentvesting #finance #firsthomebuyers #realestate #budget

Over the last 125 years, the Aussie property market has had 12 corrections — that’s roughly one every 10–12 years. Even if you buy at the peak, history shows long-term growth wins. Property isn’t about timing the market, it’s about time in the market. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS:Matt 0423 237 242 — Stack Mortgage Advisory #realestate #budget #investment #finance #homeloan

source: Voronoi survey) Housing affordability is a global challenge. The house price to income ratio shows just how tough it is to buy: 🇭🇰 Hong Kong – 14.4 🇦🇺 Sydney – 13.8 🇺🇸 San Jose – 12.1 🇨🇦 Vancouver – 11.2 🇦🇺 Adelaide – 10.9 Even in expensive markets, smart strategies like leveraging equity or choosing the right lender can help you get into property sooner. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call/SMS: 0423 237 242 — Stack Mortgage Advisory Firsthomebuyer #homeloan #investing #budget #realestate #

You don’t always need cash savings to buy an investment property. If you own a home, you may be able to: • Refinance up to 80% LVR • Access equity • Use it for deposit + stamp duty • Structure lending for maximum borrowing capacity The key is choosing the right lender and structure from day one. 📅 Book an appointment: [Booking calendar link] 📞 Call / SMS: [Your mobile number] — Stack Mortgage Advisory #investmentproperty #goldenretriever #homeloan #realestate #budget

Top foreign holders of US debt as of 2026. Japan, the UK, China, and Canada hold trillions in US Treasury bonds. #personalfinance #budgeting #usdebt #globaleconomy #worldmarkets

You don’t always need extra savings to buy your first investment property. By releasing equity from your home, you can: • Compare valuations from multiple lenders • Go with the lender that gives the highest value • Use the funds as a deposit for your investment property 📅 Book a strategy session: https://calendly.com/matthew-stack-g7e/15mins 📞 Call/SMS: Matt 0423 237 242 — Stack Mortgage Advisory #fisthomebuyer #investmentproperty #mortgagebroker #mortgage #realestate

Stack Mortgage Advisory I’m a mortgage broker and I help clients plan their next property move. Fill out this online fact find so I know how to help you: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started Or Book a home loan appointment: https://calendly.com/matthew-stack-g7e/15mins Matt 0423 237 242 #smallbusiness #business #realestate #mortgage #stockmarket

If you'd like my help in working out your borrowing capacity and funds needed to buy your first home, book an appointment or simply give me a call. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #firsthomebuyer #realestate #mortgage #mortgagebroker

Matthew 19.26) If you'd like my help in working out your borrowing capacity and funds needed to buy your first home, book an appointment or simply give me a call. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #mortgagebroker

Want to start your property journey? Book an appointment in bio! Stack Mortgage Advisory Matt 0423 237 242 matthew.stack@loanmarket.com.au Appointment: https://calendly.com/matthew-stack-g7e/15mins #homeloan #mortgagebroker #firstinvestmentproperty #mortgage #firsthomebuyer

Many developments fail before they even start — not because the project is bad, but because pre-construction finance is too expensive. Before you lay a brick, you need funding for: • DA & approvals • Architects & engineers • Legal fees • Site prep or demolition Start with lower-cost loans from major banks or non-banks. Keep your cash free for essential pre-construction costs and avoid high-interest debt that can sink your project. Stack Mortgage Advisory Matt 0423 237 242 Book: https://calendly.com/matthew-stack-g7e/15mins #ConstructionFinance #DevelopmentFunding #developmentfinance #builder #Finance

Matthew Stack is a Credit Representative (524471) of Loan Market Pty Ltd (Australian Credit Licence 390222). Based in Sydney and working with clients Australia-wide. Member of the Finance Brokers Association of Australia (FBAA M-347585). Appointment: https://calendly.com/matthew-stack-g7e/15mins Matt 0423 237 242 #invest #finance #realestate #property #wealth

Know what you're entitled to under the first home guarantee scheme. You can also be entitled to free stamp duty. Your first home loan appointment is free, I'm paid by the lender you choose. Stack Mortgage Advisory Matt 0423 237 242 Appointment calendar: https://calendly.com/matthew-stack-g7e/15mins #mortgage #realestate #cycling #wealth #love

If you'd like my help in working out your borrowing capacity and funds needed to buy your first home, book an appointment or simply give me a call. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #mortgagebroker

Get in touch for a discreet chat about your home loan options.  If we don't have a solution, we'll certainly help make you a plan and work with you over time to get it done. We don't charge a fee, we're paid by the lender. You'll speak to me personally. Matt 0423 237 242 Book appointment: https://calendly.com/matthew-stack-g7e/15mins #cycling #broker #home #love #mortgage

Book an appointment with me to see what options there are to clean up multiple loans and repayments - including ATO debt.  We can often considerably reduce your loan repayments. Must have a home loan. Stack Mortgage Advisory Matt 0423 237 242 Appointment calendar: https://calendly.com/matthew-stack-g7e/15mins #mortgage  #boat #mortgage #nature #love

______________ #love #nature #happy #mortgage #wealth Matt mortgage broker 0423 237 242

Buying your first home is ruthless 😅 Book an appointment if you’d like help with: ✅ Budgeting ✅ First Home Schemes ✅ Deposits ✅ Lender selection Stack Mortgage Advisory Matt 0423 237 242 Book here #firsthome #firsthomebuyer #firsthomebuyers #relatable #buyingahouse

If you'd like to swap your rent for your first home, let's talk through the government assistance schemes and would you'd need to get assessed. Just pick up the phone and call, or book a call in my diary (bio). Stack Mortgage Advisory Matt 0423 237 242 matthew.stack@loanmarket.com.au Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #firsthomebuyer #realestate #mortgage #homeloan

Car loans aren't great (new cars are a flex) 1. Expensive 2. High interest rates 3. Bad terms 4. Balloons 5. Depreciating asset (Unless it's for business) -------------------- If you're on a high rate, and you'd like to simplify your loans into one repayment, talk to my team about debt consolidation.  One repayment, at home loan rates. Stack Mortgage Advisory Matt 0423 237 242 Calendar appointments: https://calendly.com/matthew-stack-g7e/15mins #carloan #personalfinance #debtconsolidation

Price caps lifted & property prices are following‼️🔥 The government just lifted price caps & scrapped income limits for the 5% First Home Guarantee! Some say it might lift house prices 0.6% in 3 years 😅 Me? I reckon some areas could jump almost 10% in 3 months 🥴 It’s great for some, but for first home buyers… it just makes things harder 🤷‍♂️ Don’t wait—book a chat with me and get into your first home before prices jump! 🏡 Stack Mortgage Advisory Matt 0423 237 242 Appointment Calendar: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #firsthomeguarantee #guarantorloan #smallbusiness #mortgage

Your lender isn’t waking up every 6–12 months thinking, “How can we make less money from this customer?” 🫠 But me? I love that game. Most people get a home loan and go, “Well… this is my life now,” and never question it again. Did your bank explain offsets, weekly repayments, or how to pay it off faster? Yeah… thought so. If you want a free home loan review, message me or comment REVIEW and I’ll do the nerdy stuff for you. Stack Mortgage Advisory Matt 0423 237 242 Appointment Calendar: https://calendly.com/matthew-stack-g7e/15mins Fill out online fact find: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #smallbusiness #mortgage #firsthomebuyer #refinance #realestate

Understanding the difference between these programs could save you over $50,000 in home buyer fees! 💰 Book an appointment and we’ll work out your: ✅ Deposit options ✅ Borrowing capacity ✅ Lender choices ✅ Personalised plan Not financial advice #finance #saving #mortgage #personalfinance #realestate

Most First home buyers forget: Stamp duty $20k–$40k+ Legal & conveyancing $1.5k–$3k Building & pest $500–$1k Moving & cleaning costs $800 Count the cost, before you start. #firsthomebuyer #firsthomeloan #firsthmeguarantee

Would you rather pay your own mortgage or your landlord’s? Exactly 😅 Good news for first home buyers 👇 Your deposit might be way smaller than you think. 2% = about $16k 5% = about $40k 👀 Are you a first home buyer? Rates and figures are estimates only and subject to change. Planning to buy in 2026? Let’s make sure you don’t accidentally sabotage it. Stack Mortgage Advisory Matt 0423 237 242 Appointment Calendar: https://calendly.com/matthew-stack-g7e/15mins Fill out online fact find: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #realestate #mortgage #finance #business #smallbusiness

Colossians 4.2 Why not book an appointment to see what rates are out there in the market? Or just give me a ring. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #mortgagebroker

Not financials Advice. Assuming: 1. 8% annual return (achieved by some broad Aussie ETF's). 2. $100 automatic payment, paid into the investment or ETF.   A more hands on way is to stay invested in property for the long run. If you'd like to look at your first home, or first investment property, then book an appointment with my team.  We can work out your borrowing capacity and lender options.  Please only book if you intend to speak to a broker. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #mortgagebroker #investing #firsthomebuyer #budget #personalfinance #australia #equityrelease #refinance

If you’d like me to help with your next investment property, book an appointment: https://calendly.com/matthew-stack-g7e/15mins 📲 Stack Mortgage Advisory – Matt 0423 237 242 #mortgagebroker #homeloans #propertyinvestment #realestate #selfemployed #wealth #investing #firsthome #financialplanning #cashflow #propertytips #stampduty

If you like muy help consolidating debt or refinancing your home loan, why not give me a call to discuss. Prefer a call back? Just book in my calendar or send me an email. Stack Mortgage Advisory Matt 0423 237 242 matthew.stack@loanmarket.com.au Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #rentvesting

If you want help navigating your first purchase or investment property, book an appointment in my calendar or give me a call: 📅 Book here 📲 Stack Mortgage Advisory – Matt 0423 237 242 Hashtags: #mortgagebroker #homeloans #selfemployed #realestate #propertyinvestment #firsthome #financialplanning #wealth #investing #cashflow #propertytips #loanmarket #personalfinance #australia

You can absolutely live your best life. Just maybe… Don’t sabotage Future You trying to buy a house. Planning to purchase this year? Let’s clean things up now so the bank has nothing to side-eye 👌 If you would like my help finding your maximum borrowing capacity, amongst different lenders, then give me a call and let's go through your situation. Stack Mortgage Advisory Matt 0423 237 242 matthew.stack@loanmarket.com.au Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #mortgagebroker

Start with your own home and turn it into your first investment!” If you’d like me to help with your first home or investment property, book an appointment: https://calendly.com/matthew-stack-g7e/15mins 📲 Stack Mortgage Advisory – Matt 0423 237 242 #mortgagebroker #homeloans #propertyinvestment #realestate #selfemployed #wealth #investing #firsthome #financialplanning #cashflow

This is for first home buyers using the First Home Guarantee scheme: Purchase Price: $600,000 5% Deposit: $30,000 LMI: $0 (FHG) Stamp Duty: $0 (first home buyer) Loan Amount: $570,000 Weekly repayments: $753 Income required: $120k (no kids, no other debts) I’m a mortgage broker and I help clients plan their next property move. Fill out this online fact find so I know how to help you: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started Book a home loan appointment: https://calendly.com/matthew-stack-g7e/15mins Matt 0423 237 242 Stack Mortgage Advisory #smallbusiness #business #realestate #mortgage #firsthomebuyer

(Matthew 17:20) Why not book an appointment to see what rates are out there in the market? Or just give me a ring and we'll walk through it together. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #finance

31% of Australia’s Population Were Born Overseas Top Countries of Birth 🇬🇧 England (UK) 🇮🇳 India 🇨🇳 China 🇳🇿 New Zealand 🇵🇭 Philippines 🇻🇳 Vietnam 🇿🇦 South Africa 🇳🇵 Nepal

SELF-EMPLOYED & BUYING PROPERTY IN 2026? (Tell your accountant before lodging your tax return!) Gonna minimise your income to avoid tax? You will have no borrowing capacity. You can’t do both. Book an appointment with me and let's make a plan. #mortgagebroker #selfemployed #smallbusiness #lowdoc #homeloan

Looked into your first home loan last year and didn’t get approved? Try again — with a broker who actually cares. Stack Mortgage Advisory Matthew 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #mortgage #smallbusiness #realestate #wealth #business

(Luke 8.25) Why not book an appointment to see what rates are out there in the market? Or just give me a ring. Stack Mortgage Advisory Matt 0423 237 242 Free appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #business #realestate #mortgage #jesus

If you'd like my help in working out your borrowing capacity and lender options, book an appointment in my calendar below or simply give me a call. There is no fee, or pressure to get a loan, I am paid by the lender. I'll help you over the life of your property journey, from first home to investment portfolio. Sack Mortgage Advisory Matthew 0423 237 243 Matthew.stack@loanmarket.com.au Appointment: https://calendly.com/matthew-stack-g7e/15mins Matthew Stack is a Credit Representative (524471) of Loan Market Pty Ltd (Australian Credit Licence 390222). Based in Sydney and working with clients Australia-wide. Member of the Finance Brokers Association of Australia (FBAA M-347585). #firsthomebuyer #realestate #investing #budget #finance

Most Aussie small businesses sit between $200k – $2M turnover. Sounds big. And it is. But in lending terms? That range can mean very different outcomes. Banks don’t assess income like business owners do. They care about margins, consistency, structure, and how income shows on paper — not turnover. Two businesses. Same turnover. Completely different borrowing power. A broker who understands self-employed income can: Position your numbers before they’re locked in Match you to lenders that suit your structure Protect your borrowing power, not just chase the lowest rate If you’re self-employed and buying, don’t leave it to chance. Talk to a broker before your next move. 📲 Book a call: Stack Mortgage Advisory – Matt 0423 237 242 Calendar: https://calendly.com/matthew-stack-g7e/15mins #mortgagebroker #business #selfemployed #realestate #smallbusiness

Being self-employed doesn’t mean you’re locked out of the property market. Low-doc home loans can help you: • Get into your next property sooner • Avoid opportunity cost of waiting • Bridge the gap while your financials are being finalised 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call/SMS: 0423 237 242 — Stack Mortgage Advisory #smallbusiness #business #realestate #mortgage #mortgagebroker

Small business owner? Looking for a home loan or asset finance? Work with a broker who gets it. Book an appointment or give me a call. Stack Mortgage Broker Matthew 0423 237 242 matthew.stack@loanmarket.com.au Appointment: https://calendly.com/matthew-stack-g7e/15mins #smallbusiness #smallbusinessowner #business #finance #realestate

If you're looking to buy a property or refinance, why not book an appointment with my team. We'll run through your borrowing capacity, lender options and funds needed to complete. We'll map out your goals and work on a plan. There is no broker fee, we're paid by the lender you choose. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #homeloan #finance #realestate #budget #investment

Stack Mortgage Advisory Matthew 0423 237 243 Call me to discuss your home loan or asset finance needs. #smallbusiness #business #mortgage #mortgagebroker #realestate

Stack Mortgage Advisory Matthew 0423 237 243 Call me to discuss your home loan or refinance. #mortgage #business #smallbusiness #realestate #mortgagebroker

Stack Mortgage Advisory Matthew 0423 237 243 Talk to me about your home loan #smallbusiness #business #mortgage #mortgagebroker #realestate

#smallbusiness #business #mortgage #realestate #mortgagebroker

With the right lender, structure, and government schemes, buying may be closer than you think. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #firsthomebuyer #mortgage #finance #smallbusiness #business

Borrowing capacity can look very different depending on whether you’re buying your own home or investing. Example: • Income: $180k • No kids | No liabilities | 80% LVR • Owner-Occupier: $1.021m • Investor: $1.550m Same income, very different borrowing power. Understanding the rules and loan structures is key to making the most of your capacity — whether it’s your first home or building a property portfolio. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #mortgagebroker #stackmortgageadvisory #investmentproperty #firsthomebuyer #homeownership #aussieproperty #propertystrategy #borrowingsmart #financialstrategy

#mortgage #finance #realestate #small business #business

Book a free appointment to go through your loan together. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins Matthew Stack is a Credit Representative (524471) of Loan Market Pty Ltd (Australian Credit Licence 390222). Based in Sydney and working with clients Australia-wide. Member of the Finance Brokers Association of Australia (FBAA M-347585). #nature #happy #jesus #wealth #realestate

To speak with a broker, book below: Stack Mortgage Advisory Matt: 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins (Please only book if you’re sure you can attend.) #politics #housingcrisis #realestate #news #homeloan ------------ Do you think current rents will continue to grow at this pace?

Get supported through your property buying or refinance journey for FREE by clicking the link in my profile! 🏡 Not financial advice #firsthomebuyer #homeloan #invest #rentvest #realestate ----   💭 Would you pay off your home quicker or redraw extra repayments to invest?

If you would like a mortgage broker to breakdown your borrowing capacity, lender options, and what you'd need saved to buy your first home, then book an appointment in my bio or captions. There is no fee, I'm paid by the lender we agree suits your needs best. Stack Mortgage Advisory Matthew 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #realestate #investment #budget #finance

If you'd like me to break down your borrowing capacity and lender options for your bridging loan, then why not book a free appointment directly in my calendar: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 matthew.stack@loanmarket.com.au Appointment: https://calendly.com/matthew-stack-g7e/15mins #bridgingloan #bridgingfinance #bridging #homeloan #finance

If your bank or broker deserves a "restructure", book an appointment with my team Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #realestate #personalfinance #wisdom #budget #investing ------------   💭 Who in your life deserves a promotion… or a “restructure”?

---- #usa #germany #indonesia #mexico #economy  ------ Sticker question: who will be the super power in 50 years?

If you're a first home buyer, and you'd like a mortgage broker to break down your borrowing capacity, lender options, and what you'd need saved to buy your first home, then book a free appointment in my calendar (bio or captions). Free service, as I'm paid by the lender you end up going through. Stack Mortgage Advisory Matthew 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #realestate #budget #finance #homeloan

If you'd like help working out your numbers and requirements for your first or next property purchase, book an appointment below or give me a call: Stack Mortgage Advisory Matt: 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #personalfinance #realestate #MortgageBroker #HomeBuyingTips #Investing

Why not book an appointment with my team, and we'll run through what rates are in the market.  If there's a chance to save some money we'll show you the options.  There's also offset accounts for those that have cash in their SMSF. Stack Mortgage Advisory Matt 0423 237 242 matthew.stack@loanmarket.com.au Appointment: https://calendly.com/matthew-stack-g7e/15mins #smsf #realestate #retirement  #refinance #wealth

If you would like my help, then book an appointment with my team (bio or below) and let's get started. Book a free appointment with me: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #debtconsolidation #mortgaebroker #personalfinance #loanmarket #investing #personalfinance #revesby #milperra #padstow #wetherillpark #budget #mortgagebroker #stampduty #firsthomebuyer #preapproval #honeloan #revesby #Padstow #wetherillpark

Stack Mortgage Advisory here! Book a free chat in my calendar or give me a call. Let’s work out your goals, borrowing capacity, and lender options. Quick pre-approval ✅ Great team ✅ Let’s gooo! 💪 Stack Mortgage Advisory Mtt 0423 237 242 Book an appointment: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #borrowingcapacity #preapproval #brokersworkforyou #revesby #milperra #padstow #wetherillpark #homeloan #realestate

Stack Mortgage Advisory You can always call your bank and ask if they can reduce your rate. Show them a breakdown of what the competitors in the market are offering. If they say no, ask for a discharge form (they will know you're looking to refinance). This will cause them to offer their rock bottom final rate. I'm a broker, I can do it for you - and for no fee, I'm paid by the lender you refinance to. Fill out this online fact find so I know how to help you: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started Book a home loan appointment: https://calendly.com/matthew-stack-g7e/15mins Matt 0423 237 242 #smallbusiness #business #realestate #mortgage #investment

Still some pockets in Sydney under $1m. Just get started. Your first property will not be your forever home. Know your first home buyer incentives. Know your borrowing capacity. Know lenders and rates. Have a plan beyond your first home. Make me your broker. I will work for you over the decades, not one transaction. I am paid by the lender. Book a call, or just give me a ring. https://calendly.com/matthew-stack-g7e/15mins Matt the mortgage man 0423 237 243 Loan market #loanmarket #mortgage broker #southwestsydney #revesby #padstow #milperra #wetherillpark

Are you looking for business funding? Do you need a broker to take the stress off your hands? We work quickly to get things done. Contact me, and I'll put you in touch with one of the best asset finance / business loan brokers in the business. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #car #truck #business #finance #smallbusiness

Book a call to discuss your borrowing capacity and how much you’d need to buy your first home. I’ll apply for all available schemes and stamp duty concessions on your behalf and help you create a clear path forward. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #rent #firsthomebuyer #realestate #mortgage #wealth

------------- #bitcoin #bitcoinnews #realestate #welath #wealth

Stack Mortgage Advisory Matt 0423 237 242 Talk to me about your home loan. #stockmarket #investing #realestate #budget #finance

Brokers work for you. In your best interests. It can be a tough job. Lots of working for free, trying to help people service their loans. Lots of back and forth with lenders that you'll never see. It can be wonderful helping people and making a difference. The million dollar loans pay the bills. The battlers with their $200k loans feed the soul. Its a balance. If you’re looking for a broker, and want to see if we'd be a good fit, book a call or give me a ring. https://calendly.com/matthew-stack-g7e/15mins Matt mortgage broker 0423 237 242 #loanmarket #mortgagebroker #brokersworkforyou #personalfinance #revesby #padstow #milperra #weatherillpark

Book an appointment with me and I'll work out your borrowing capacity, lender options, and how much you'll need to buy your first home. Free service, I'm paid by the lender. Stack Mortgage Advisory Matthew 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #realestate #firsthomebuyer #investment #budget #finance

Book an appointment to run through your home loan options. We can value your home to see what equity can be released for your first investment property. No fee, I'm paid by the lender. Stack Mortgage Advisory Matthew 0423 237 243 Appointment Buy an investment property without a cash deposit #realestate #investment #budget #finance #home

Being self-employed is tough! Be bold.  Do not fear. #god #jesus #King #love #earth

$500 / MONTH FOR 40 YEARS  (according to % returns) 5%   → $763k 8%   → $1.745m 10% → $3.162m 12% → $5.882m Get started early.  --------------------------- Breaks down the compounding effects of achieving different long term returns. A more hands on approach is to invest in real estate. If you would like to know your borrowing capacity for your first home, or how to release equity for your 1st investment property, Book a call with me and let's run through your numbers. Please only book an appointment if you want to speak to a mortgage broker. Stack Mortgage Advisory Matt 0423 237 242 Calendar: https://calendly.com/matthew-stack-g7e/15mins #realestate #australia #investing #equityrelease #refinance #investmentproperty #firsthomebuyer #wealth #personalfinance #budgeting #thisiscentralcoast #australia #seeaustralia #australianreptilepark #worldwildlifeday #aussie #aussieanimals #cute #joey #animalbestfriends #seeaustralia @australia #holidayherethisyear #lovecentralcoast #platypus

Going to auction? (Dangers of computer generated preapprovals) Hey, imagine you’ve been preapproved by the bank. You’ve found a property going for auction. But then you’re told “do not buy at auction”. Whenever someone calls me to double check what they’ve been told by their broker, I immediately know what they’ve done.  They’ve gone to a bank that is not doing fully assessed preapprovals.  They’re usually the cheaper online lender, picked for their rock-bottom rates.  The problem is your deal was never assessed by a person.  It went through some rudimentary checks of the salary inputs given by the broker, which spits out an approval in principle.  Once you win at auction, and hand over your contract of sale, only then these types of banks will look at your file properly.  At auction it’s final.  You put down a 10% deposit.  And if you can’t settle, you lose it. Make sure you have a fully assessed preapproval, looked at by an actual human.  Don’t rely on these computer generated ‘maybe’s’. Matt mortgage broker 0423 237 242 #loanmarket #auction #preapproval #personalfinance #revesby #milperra #padstow

------------ #news #globalnews #usa #spain #lebanon

Book an appointment to run through your next commercial property purchase. Stack Mortgage Advisory Matthew 0423 237 243 Appointment: https://calendly.com/matthew-stack-g7e/15mins #commercialrealestate #investing #budget #realcommercial #realestate

Getting into the market sooner can save years of paying rent. Let’s see if this works for you.  Book a free appointment with me to work out your borrowing capacity, savings you'd need, and lender comparisons.  Let's map out the whole loan process together.  I'll be with you from the first property to your tenth. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #firsthomebuyer #mortgagebroker #finance #budget #realestate

Aussie Family Standard (1986 vs 2026) 1986          2026 Dad full time      Both full time Mum at home       3-bed house owned        3-bed unit, big mortgage Rental yield ~8%            Rental yield ~4% 1 car owned outright    2 cars on finance No childcare costs    Childcare ~$3,000/mth One income enough    Two incomes not enough     Bottom line: Start investing early ------------- If you would like help knowing your borrowing capacity for your first home loan or investment property, book an appointment with my team (calendar link in bio and below). Only book if you are wanting to speak to a mortgage broker. Stack Mortgage Advisory Matt 0423 237 242 Appointment calendar: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #homeloan #personalfinance #australia #mortgagebroker #wealth #realestate

In 2015, 🇨🇭 Switzerland was top dog — rich, stable, and comfy. By 2025, tiny 💰 Luxembourg stole the crown. 🇳🇱 Netherlands jumped up, proving smooth bureaucracy can be sexy. 🇩🇰 Denmark & 🇫🇮 Finland? Still living the equality dream. 😲 Surprise! 🇴🇲 Oman snuck into the top 10 with safety + shiny infrastructure. Meanwhile 🇨🇭 Switzerland & 🇩🇪 Germany got “outpaced,” not worse — just didn’t keep up. 🇦🇹 Austria, 🇮🇸 Iceland & 🇳🇴 Norway? Small, safe, expensive… basically life on expert mode. Good life = peace, money, waffles… or maybe your own definition. 👇 📌 Source: Numbeo Stack Mortgage Advisory Australia Matt 0423 237 242 #news #budget #happy #homeloans #joy

If you'd like my help in working out your borrowing capacity and lender options, book an appointment in my calendar below or simply give me a call. There is no fee, ir pressure to get a loan, I am paid by the lender. I'll help you over the life of your property journey, frm first hme ti investment portfolio. Sack Mortgage Advisory Matthew 0423 237 243 Matthew.stack@loanmarket.com.au Appointment: https://calendly.com/matthew-stack-g7e/15mins

To book a call with me to run through your borrowing capacity and lender options, book an appointment (below or bio). Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #mortgagebroker #milperra #realestate #wealth #personalfinance #investing #budget #homeloan #Australia

Should you try to negotiate a lower ATO tax bill?” If you’re on an ATO payment plan, then yes, you can absolutely try to negotiate and have them reduce your interest and fee charges. And here's a hack.  If you’re already pre approved to refinance the ATO debt into your home loan, then the ATO is all the more willing to negotiate.  It makes perfect sense as they get paid in a couple of weeks, rather than chasing you over the next 2-3 years. So if you'd like to talk to an ATO debt negotiator, or you want to get the consolidation pre approval started, then book a call in my calendar or just give me a call #loanmarket #debtconsolidation #atopaymentplan #mortgagebroker

Most Australians who invest in property start small (but have the right structure). This is the key to not getting tapped out in borrowing capacity. Your accountant is the right one to speak to about trust and company structures. Speak to me about executing the plan and getting mortgage approvals. Here’s how investment properties are spread: • 1 property – 71% • 2 properties – 18% • 3 properties – 5.8% • 4 properties – 4.1% • 5+ properties – 0.9% Even owning just one property can put you on the path to financial growth. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #propertyinvesting #investmentproperty #personalfinance #budgeting #investing

Stack Mortgage Advisory Matt 0423 237 242 #worldnews #news #newsupdate #gold #silver

Save $176k on your mortgage If you had a $700k mortgage on a 30-year loan term. And you decided to pay an extra $100 pw on top of your normal mortgage repayments. You’d save $176k in total interest. And you’d pay off your home loan 6 years sooner. Matt mortgage broker 0423 237 242 Loan Market #loanmarket #mortgagebroker #homeloan #personal finance #revesby #milpeera #chippingnorton #mortgagehack

First home buyers, this might surprise you 👇 https://www.realestate.com.au/property-unit-nsw-roselands-149976148 You could buy a $580k unit in Roselands with only $29k savings: • 5% deposit: $29k • Stamp duty: $0 • Loan: $551k • Weekly repayments: $712 Getting into the market sooner can save years of paying rent. Let’s see if this works for you. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #firsthomebuyer #mortgagebroker #personalfinance #budgeting #investing

REGISTER HERE for a first home buyers webinar on Friday 13th 8am. 15 minutes we'll run through all government grants. https://www.facebook.com/events/874439168801692/ Self employed are some of the best clients I can work with.  So many options to manoeuvre a loan into place. If you'd like to walk through your options with me, book an appointment or give me a call, let's run through it - no pushy sales. Let's work out your borrowing capacity and lender options. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #selfemployed #selfemployedhomeloan #smallbusiness #realestate #finance

If you want help understanding your borrowing capacity, book a call with my team directly in my calendar (bio or below). Stack Mortgage Advisory Matt 0423 237 242 Calendar: https://calendly.com/matthew-stack-g7e/15mins #mortgagebroker #homeloan #selfemployed #sydney #mortgagebrokersydney #selfemployedhomeloan #investing #wealth #loanmarket #preapproved #budget #personalfinance #realestate #NSW

Webinar training for first home buyer schemes is Friday 13th February 830am. Runs for 15 minutes. REGISTER HERE: https://www.facebook.com/events/874439168801692/ Register for an 830 am webinar where we discuss: 1. 5% deposit scheme 2. 2% deposit scheme 3. Guarantor loan 4. Free stamp duty 5. Income and savings you'd need to buy your first home. 6. Expenses you'd need to cover such as solicitor and building inspection. It's quick, but detailed, you'll be left feeling confident of all the first home buyers schemes available to you. Property price: $600,000 (unit) 5% deposit: $30,000 (First Home Guarantee) Stamp Duty: $0 (first home buyer) Loan Amount: $570,000 Monthly repayments: $3,236 To book a home loan appointment with me: https://calendly.com/matthew-stack-g7e/15mins #finance #budget #realestate #firsthomebuyer #homeloan

It's tough to try and time the markets. We all do it though. Sometimes you have be brave and just get in. First home buyers have great incentives right now. Talk to me ill walk you through them. 1st investment property buyers, you're in good company. Investment loans now breach 40% of all originated loans this year. Call or book a free chat. Matt the mortgage man 0423 237 243 https://calendly.com/matthew-stack-g7e/15mins #mortgagebroker #homeloan #investing #firsthomebuyer #tevesby #padstow #sydney #wetherillpark

Matthew Stack is a Credit Representative (524471) of Loan Market Pty Ltd (Australian Credit Licence 390222). Based in Sydney and working with clients Australia-wide. Member of the Finance Brokers Association of Australia (FBAA M-347585). Stack Mortgage Advisory Call Matt: 0423 237 242 Book an appointment: https://calendly.com/matthew-stack-g7e/15mins #personalfinance #budget #investing #news #homeloanhacks

If you’d like to talk to a mortgage broker about your home loan, reach out to my team: Stack Mortgage Advisory Matt: 0423 237 242 Book an appointment: https://calendly.com/matthew-stack-g7e/15mins Matthew Stack is a Credit Representative (524471) of Loan Market Pty Ltd (Australian Credit Licence 390222). Based in Sydney and working with clients Australia-wide. Member of the Finance Brokers Association of Australia (FBAA M-347585). #news #politics #personalfinance #investing #budgeting ------ Do you think Australia is in a property bubble?

Stack Mortgage Advisory Matt 0423 237 242 #mortgagebroker #loanmarket #personalfinance #budget #wealth

We’ve got a modest purchase price of $800k, so the 5% deposit would be $40k for both. Next stamp duty is $0 for the FHB, but $30,412 for the next home buyer. Lenders mortgage insurance is $0 for our First home buyer, but comes in at $29,260 for the next home buyer. Total loan amount is $760,000 for a 95% lend. Funds needed to complete the purchase for our first home buyer is $40,000 and closer to $100 grand for the next home buyer (and that’s on a very modest Sydney property). Here’s where it get’s interesting, the benefits to the first home buyer doesn’t stop there.  Under the first home guarantee, some lenders will give them the same interest rate as if they put down a 20% deposit, so in this case 5.5% variable.  The next home buyer will pay 6.99% with CBA as it factors in more risk. Weekly repayments for our first home buyer is $995 pw, while our next home buyer is paying $1,164 pw                                          First Home                           Next Home Purchase Price:         $800,000                              $800,000 Deposit:                         $40,000                                 $40,000 Stamp Duty:                 $0                                            $30,412 LMI:                                  $                                                $29,260 Loan Amount:             $760,000                              $760,000   Funds Needed:         $40,000                                $99,672   Rates:                            5.5%                                      6.99% Repayments:             $995 pw                                $1,164 pw Matt mortgage broker 0423 237 242 Book a free call: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #nexthomebuyer #bridgingloan #mortgagebroker #Australia #revesby #Sydney #milperra #padstow #wetherillpark

If you’re worried about rising interest rates, get in touch with my team and let's run through fixed vs variable homeloan rate options. 50/50 split may put you at ease. Stack Mortgage Advisory Matt 0423 237 242 Appointment https://calendly.com/matthew-stack-g7e/15mins #rba #interestrates #news #finance #politics

Here’s what it actually costs to buy a $1.36m warehouse in Smithfield, Sydney as an owner-occupier 👇 • Purchase price: $1,360,000 • Stamp duty: ~$57k • GST: $136k • Deposit (20%): $272k • Loan amount: $1.088m • Repayments: ~$6,523 per month 💰 Total funds needed to complete: ~$465,000 Commercial lending is all about structure, cash flow, and choosing the right lender. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #commercialproperty #warehouseinvestment #commercialloans #business #commercialrealestate

First home buyers in NSW, here’s a quick guide to stamp duty costs: • Under $800k → $0 • $859k → $9,900 • $900k → $19,700 • $1,000,000 → $39,400 💡 Buying sooner could save you thousands. Combine this with the right home loan strategy, and your first property could be closer than you think. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #firsthomebuyer #stampduty #homeownership #personalfinance #budgeting

The ATO considers your business cashflows, but I've been seeing some tough payment plans. 12-24 months at 11.5%. Hurts business and household planning. There are options. Roll into a deductible business Ian over 60 months to buy breathing room. Or to more than half your repayments, roll into your home loan. For my help to see what your repayments would look like, book an appointment in my calendar (bio or below) or give me a ring. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #debtconsolidation #ato #atopaymentplan #loanmarket #mortgagebroker #liberty #Australia #Pepper #milperra #revesby #wetherillpark #personalfinance #self-employed

Viable way to make your kid a millionaire! Invest $1,000 at birth. Invest $250 per month until 18. Now hand over the reins to them. Let them invest $250 per month until 40. That's $1,039,000. (ass 8.5% return, broad ETF) Matt mortgage broker 0423 237 242 #loanmarket #mortgagebroker #personalfinance #compoundinterest #etf #investment

That’s why managing your debts before applying for a home loan is so important. A few smart steps now can make a huge difference in what you can borrow. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #creditcard #borrowingcapacity #personalfinance #budgeting #Investing

Many first home buyers think you need hundreds of thousands saved to get started. https://www.realestate.com.au/property-unit-nsw-roselands-149976148 Reality check: with a $29k deposit, you could buy a $580k Roselands unit and pay ~$712 per week instead of renting. Want me to run the numbers for you? 📅 Book a call: https://calendly.com/matthew-stack-g7e/15mins 📞 Call/SMS: 0423 237 242 — Matt Stack Mortgage Advisory #firsthomebuyerau #aussieproperty #personalfinance #budgeting #realestate

If you would like my help, then book an appointment with my team (bio or below) and let's get started. Book a free appointment with me: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #debtconsolidation #mortgaebroker #personalfinance #loanmarket #investing #personalfinance #revesby #milperra #padstow #wetherillpark #budget #mortgagebroker #stampduty #firsthomebuyer #preapproval #honeloan #revesby #Padstow #wetherillpark

Debt consolidation is a good tool to simplify your debts into one repayment. At home loan rates (must have a home loan). No max on the number of debts to consolidate. Total loan should be less than 80%lvr. Yes, ATO debt can be consolidated. Yes, credit impaired has solutions, too. If you'd like my help in see your new home loan options, or what your single new repayment would look like, call me or book an appointment in my calendar (bio or below). Stack Mortgage Advisory Matt 0423 237 242 Calendar: https://calendly.com/matthew-stack-g7e/15mins loanmarket #mortgagefree #habits #financialfitness #melbournemortgagebroker #freedom #sydneymortgagebroker  #finance #saving #mortgage #invest #investing

Going direct to a bank can hurt you! A lot of people don’t realise this, but going directly to the bank can hurt you when getting a home loan. When you inquire with each bank separately, they each represent a mark like this on your credit file.  It can raise red flags, as to why you weren’t offered a loan at the previous multiple lenders. A mortgage broker works differently.  We can run your borrowing capacity through each different lenders servicing calculator without touching your credit file.  We then find the lender that suits your needs best. We make one application – not 2 or 3 or 4. So instead of bank shopping, use a broker; and hey, we’re paid by the lender (there’s no fee to you).  One submission done properly. Book a free call and let's work out your borrowing capacity and lender options. No fee or sales pressure. https://calendly.com/matthew-stack-g7e/15mins Matt mortgage broker 0423 237 242 #loanmarket #brokersworkforyou #homeloan #mortgagebroker #firsthomebuyer

Mortgage Hack: Pay off your loan faster and save hundreds of thousands in interest Most of the first 15 years of a 30-year mortgage is mostly interest. Here’s a simple strategy: • Pay $50 extra per week into your home loan • On a $500k loan at 6%, you’d pay it off 4.5 years sooner • Save around $100k in interest Small weekly amounts add up to massive savings over time. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #mortgagehack #moneytips #personalfinance #budgeting #householdbudget

Click the link in my bio to get support building an investment property portfolio! Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #invest #rentvest #property #realestate Not financial advice

Purchase Price: $600,000 5% Deposit: $30,000 Stamp Duty: $0 LMI: $0 Loan Amount: $570,000 Repayments: $746 per week Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #realestate #personalfinance #budgeting #swimming

Purchase Price: $600,000 Deposit: $30,000 Stamp Duty: $0 LMI: $0 Loan Amount: $570,000 Rent: aaaah tricked you, you need to live in it under the FHGS. Rates: 5.5% variable. Matt 0423 237 242 Loan Market (Milperra) Book a call: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #firsthomebuyer #mortgagebroker #globalnews #firsthomeguarantee

#news #worldnews #internationalpolitics #politics #globalnews

Rolling your debts into your home loan (will increase your borrowing capacity) Let's say you're trying to purchase a property for $1m. Your have a decent deposit of 25%, and you can easily service a $750k loan on your income of $150k. Your max borrowing is around $930k. Now what if you had $55k in ATO debts, at 11.7% over 2 years; that would equate to $2,581 per month. This drops you borrowing power from $930k to $560k and kills the deal, you can no longer buy the property.   But...if you consolidate this $55k debt into the home loan, and increased the mortgage from $745k to $800k, then you can easily afford this loan once again.  So if you've gone to your bank and they've told you no on the back of this ATO debt, then give me a call and lets find you a solution with a bank that can get it done. Stack Mortgage Advisory Matthew 0423 237 243 Appointment: https://calendly.com/matthew-stack-g7e/15mins #atodebt #debtconsolidation #personalfinance #budgeting #iv

Now is the time to start thinking about fixing half your home loan. Some good 2 year fixed rates around. Book an appointment and let's go through your options. We'll make the refinance easy for you. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #fixedrates #rba #personalfinance #budgeting #investing

Still gains to be made in Aussie Property. Just a lower growth rate. More sustainable. If you'd like to speak to an Aussie broker about your next property move, book an appointment in my calendar (bio) or use this link :https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #Mortgagebroker #homeloan #tealestate #Australia #investing #investment property #loanmarket

Seann William Scott, best known for American Pie, has quietly built a strong financial foundation. His portfolio includes $12 million in dividend-paying stocks that bring in about $31,000 per month $18 million in fully owned real estate Low in cash reserves (its all out working for him). This demonstrates the power of smart, strategic investing. The best time to start investing is Now. Matt Loan Market mortgage broker Book a free call: https://calendly.com/matthew-stack-g7e/15mins #jesus #personalfinance #budgeting #investing #realestate

#rich #wealth #superrich #elite

Time to fix your rates? Let's discuss your current setup, and whether the certainty of a fixed rate would help. We can fox rates 50%, and the other 50% variable (a lot do this). If you'd like to discuss your home loan with me, book a appointment in my bio or give me a call. Stack Mortgage Advisory Matt 0423 237 Book: https://calendly.com/matthew-stack-g7e/15mins #mortgagebroker #Australia #fixedrates #rba #homeloan

If you’re in one of these high-paying roles, lenders often offer preferential treatment: Lower interest rates Lender mortgage insurance (LMI) waivers For medicos, sometimes a smaller deposit is all you need It’s one of the perks of certain professions when buying property — and can make a big difference when getting your next home or investment property. Stack Mortgage Advisory Matt 0423 237 242 Book a call with my team to see your borrowing capacity: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #realestate #FinanceTips #personalfinance #budgeting

5 year growth rates for some sw sydney areas. Revesby has become the land of the duplex. Used to be chicken farms back in the day. Most blocks were 1/4 acrea. The old Australian dream. Now they are all sub divided into duplexes lol. Still a great area for families. A lot of lebanese, and it works well. If you’re looking to buy a home this year, book a free appointment with me, your local Loan Market mortgage broker. Matt 0423 237 242 https://calendly.com/matthew-stack-g7e/15mins #mortgagebroker #loanmarket #revesby #padstow #milperra #bankstown

You work hard.   Make your money work for you. DM or call to see your property borrowing capacity. Matt mortgage broker 0423 237 242 #budgeting #personalfinance #borrowingcapacity #tradies #realestate

Australia is now leading developed nations on inflation 📈 Higher inflation increases the risk of RBA interest rate hikes, which directly impacts variable and fixed mortgage rates. If you want to know what 2-year fixed rates are currently available, book a free appointment with a broker on my team. Stack Mortgage Advisory Matt — 📞 0423 237 242 📅 Book here: https://calendly.com/matthew-stack-g7e/15mins Matthew Stack is a Credit Representative (524471) of Loan Market Pty Ltd (Australian Credit Licence 390222). Based in Sydney, working with clients Australia-wide. Member of the Finance Brokers Association of Australia (FBAA M-347585). #personalfinance #fixedinterest #rba #budgeting #realestate

Did you know interest on your home loan is calculated daily? On a $750k mortgage at 5.5%, you’re paying roughly $113 per day in interest. That adds up fast! Here’s how you can reduce it: 1️⃣ Pay weekly or fortnightly instead of monthly 2️⃣ Pay more than the minimum — extra goes straight to principal 3️⃣ Use your offset properly (salary into offset!) 4️⃣ Refinance every 1–2 years if rates are better 5️⃣ Treat extra repayments as untouchable 6️⃣ Keep your loan term as short as cash flow allows 7️⃣ Use lump sums strategically (bonuses, tax returns) 8️⃣ Split loans if needed for flexibility 9️⃣ Don’t pay for unused loan features 🔟 Use redraw for surplus funds you don’t need access to Key takeaway: The sooner and longer you reduce your loan balance, the more interest you save. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #fishingaustralia #personalfinance #investing #budgeting #realestate

Want to save $140k and 4 years on your mortgage? If you’re paying $4k per month, switching to $2k per fortnight could make a massive difference. Why? Firstly youll make an extra repayment each year. Second, Interest is calculated daily, so paying more often reduces your principal faster, saving you thousands in interest and cutting years off your loan. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt #fishing #firsthomebuyer #personalfinance #budgeting #realestate

The Betashares Diversified All Growth ETF is one of the most talked-about ETFs in Australia — and for good reason 👀 It’s currently the 7th most popular ETF* with investors and provides low-cost exposure to a diversified portfolio of ~8,000 companies, all with a high growth focus. Let’s unpack what it is, how it works, and who it may suit 🤗 7th most popular ETF based on the Pearler community. We love sharing ideas to help you build wealth the slow & steady way — but remember, everything you see across our socials is general information only, not personal financial advice. #nature #investing #personalfinance #jesus #stockmarket

We’re seeing a widening gap between developed economies and emerging markets — but new centres of wealth are forming across Asia, the Middle East, and Latin America. For investors, the real question isn’t if wealth shifts… it’s where it appears next. #Wealth #Investing #GlobalEconomy #EmergingMarkets LongTermInvesting #personalfinance

Everything seems to be “up” at the same time — stocks, homes, metals, even money market funds — while debt and deficits are exploding alongside them. That’s not organic growth. It’s what happens when a currency quietly loses purchasing power, and every asset is being repriced higher to compensate. When everything looks like it’s going up… the real loser is the dollar. #politics #globalnews #personalfinance #gold #news

I'll pull up your credit file and go through what happened. We'll discuss a best path forward. Should you do credit repair first? There are lenders that don't credit score. It'll be about exploring what happened, the showing why you would never do it again. If you would like my help to see your options, book a free appointment. Stack Mortgage Advisory Matt 0423 237 242 https://calendly.com/matthew-stack-g7e/15mins #creditrepair #personalfinance #budget #investing #realestate

If you can save $100k to save by age 40, you can stop investing and still be a millionaire: Maths based on 9.5% returns. Age 40: $100,000 (stop contributing) Age 65: $1,065,094  Compound interest made you a millionaire. (Not advice. Ask your planner about ETF's Matt | Mortgage Broker 0423 237 242 Book a free home loan appointment: https://calendly.com/matthew-stack-g7e/15mins #personalfinance #compoundinterest #loanmarket #investing #investing #budgeting

You don’t need a 20% deposit to buy your first home. With the 2% Help to Buy Scheme, the government contributes up to 40% of the property price — meaning you could buy with as little as 2% deposit. Property price caps apply by state & regional areas (see post 👆). 📅 Book a free 15-min call: https://calendly.com/matthew-stack-g7e/15mins 📞 Call/Text: 0423 237 242 🏢 Stack Mortgage Advisory #helptobuy #firsthomebuyer #australianproperty #propertyaustralia #homebuyingtips #aussiehomebuyers #mortgagebroker #australiangovernment #propertytips #buyingyourfirsthome #nswproperty #vicproperty #qldproperty #waproperty

Rejection isn't the end, but the beginning. #jesusislord #loanmarket #personalfinance #wealthbuilding

ATO hurting your business cash flow? Refinance payment plan into a commercial facility Over 5 years Reclaim the deduction Ask me how. Book a free appointment. https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #ato #debtconsolidation #smallbusiness

Be kinder to yourself. But put a plan into place. If you’re a first home buyer, save a 5% deposit and then get your home loan under the guarantee scheme. If you’re in your first home, and want to invest, look at ETFs. Automate your contributions each month and let compound interest work powerfully for you (not advice). It's not an excuse to do nothing. Di something, whatever circumstance you find yourself in. Matt 0423 237 242 Book a call to run your borrowing capacity. https://calendly.com/matthew-stack-g7e/15mins #loanmarket #firsthomebuyer #homeloan #mortgagebroker #revesby #investing #personalfinance

Mortgage hack to save hundreds of thousands in interest It’s simple: 1️⃣ Take your total monthly repayments and divide by 52 2️⃣ Pay that as an extra weekly repayment on your home loan 3️⃣ On a $700k loan, you could save $200k+ in interest and cut 6 years off your mortgage Interest is calculated daily — the sooner you reduce your balance, the more you save! 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #homeloan #mortgagehack #stackmortgageadvisory #mortgagebroker #aussieproperty #homeownership #financialstrategy #moneytips #loanrepayments #aussiefinance #wealthbuilding

Here’s what it actually costs to buy a $1.36m warehouse in Smithfield, Sydney as an owner-occupier 👇 • Purchase price: $1,360,000 • Stamp duty: ~$57k • GST: $136k • Deposit (20%): $272k • Loan amount: $1.088m • Repayments: ~$6,523 per month 💰 Total funds needed to complete: ~$465,000 Commercial lending is all about structure, cash flow, and choosing the right lender. 📅 Book a chat: https://calendly.com/matthew-stack-g7e/15mins 📞 Call / SMS: 0423 237 242 — Matt Stack Mortgage Advisory #commercialproperty #warehouseinvestment #commercialloans #businessowners #mortgagebroker #stackmortgageadvisory #sydneycommercial #owneroccupier #aussiebusiness

Self-Employed? No business financials?  Use one of these 3 instead: 1️⃣ 2× BAS statements 2️⃣ Accountant’s letter 3️⃣ Business bank statements Don't over complicate it. We can refinance you to a major lender once your business financials are updated. Stack Mortgage Advisory Book a free appointment with me https://calendly.com/matthew-stack-g7e/15mins Matt 0423 237 242 #loanmarket #self-employed #homeloan #mortgagebroker

5 year house price growth in South West Sydney. Unit prices were significantly worse. Perhaps they are due for some attention from investors. Lots of amilies moving to the area. New hospital being built. Matt #loanmarket #homeloan #realestate #investing #revesby #milperra #padstow

🇺🇸 US & Cuba: Regime change push 🇨🇳 China: Birth rate hits new low 🇮🇷 Iran: Protest deaths may exceed 30k 🇺🇸 USA: Diversity & abortion funding cut 🇰🇷 S. Korea: Released new AI laws 🇩🇪 Germany: Hamas plot attackers arrested 🇻🇪 Venezuela: $300m received from US from oil sales 🇺🇸 USA: Hosting 34-nation defence summit ----- #news #globalnews #germany #USA #venezuela #southkorea #iran #china #Cuba

World’s Highest Paid Athletes – 2025 (None from the Aussie swimming team?) ⚽ Cristiano Ronaldo – $260M 🥊 Canelo Alvarez – $137M ⚽ Lionel Messi – $130M ⚾ Juan Soto – $129M 🏀 LeBron James – $128M ⚽ Karim Benzema – $115M 🏀 Stephen Curry – $105M ⚾ Shohei Ohtani – $102M 🏀 Kevin Durant – $100M ⛳ Jon Rahm – $100M None from the Aussie swimming team???  Must be a misprint. If your professional sporting days are over, perhaps property and business is your next chance at wealth.  If you would like to know your borrowing capacity and lender options, book an appointment (bio or below), or give me a call. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #mortgagebroker #mortgagebrokersydney #loanmarket #personalfinance #realestate #investing #homeloan #propertyinvesting #sportico

Same level of debt, different structure, creates big cash flow wins. Roll it all into your home loan. The stay away from unnecessary consumer debt. Start building equity. Buy more property. Live within your means. But enjoy life too. Stack Mortgage Advisory Matt 0423 237 242 Book a free appointment with me below. https://calendly.com/matthew-stack-g7e/15mins #loanmarket #mortgage broker #debtconsolidation #personalfinance

If you're on an ATO payment plan, their interest just jumped to 11.7%. Let's say you have $150k in ATO debt over 2 years a 11.7% + a $500k home loan over 15 years at 5.5%.  Total repayments are $11,125. Now let's refinance it all into one home loan at 6.39% (non-bank); your single repayment is now $4,061 per month. Thats a cash flow saving of $7,064 per month. DM ‘CONSOLIDATE’ or call me, and I'll run the numbers properly. Follow for more personal finance tips!!! Matt 0423 237 242 #loanmarket #debtconsolidation #personal finance #mortgage broker #homeloan #ato #taxdebt #revesby #milperra #wetherillpark

You got some car loans, credit card, personal loans making you live pay check to pay check. You know you didn't need the new boat, but hey, that's done now. Roll it all into your home loan, at home loan rates. The don't touch consumer debt again. Book a free appointment with me, and I'll show you what your repayments could look like (bio). Stack Mortgage Advisory Matt 0423 237 242 Book here: https://calendly.com/matthew-stack-g7e/15mins #debtconsolidation #personal finance #loanmarket #mortgagebroker

Compound interest is powerful over time. $10 per day sounds like nothing. But over 40 years, it quietly becomes over $1 million. Don't need to be rich. It's $10 per day. Ask your adviser to find you an ETF to invest in.  This is not advise. #YoungGenWealth #CompoundInterest #FinancialFreedom #InvestingForBeginners #WealthBuilding #PassiveIncome

These numbers are if you are looking to purchase a warehouse for your own business, as owner occupied. Numbers vary if it is an investment. This factory is in St Marys. If you've found a commercial property you'd like to buy for your business, then book an appointment in my calendar (bio). Let's get you preapproved. Stack Mortgage Advisory Matt 0423 237 242 My calendar: https://calendly.com/matthew-stack-g7e/15mins #commercialrealestate #commercialproperty #Australia #commercialinvesting #warehouse #real commercial #mortgagebroker #commercialloan

When Tax debt doesn’t align with cash flow. Your options: 1️⃣ Keep ATO payment plan 2️⃣ Refinance into a business loan 3️⃣ Refinance into a home loan Book a free appointment in my calendar (bio). Let's go through your options. Stack Mortgage Advisory Matt 0423 237 242 Appointment: https://calendly.com/matthew-stack-g7e/15mins #debtconsolidation #atopaymentplan #mortgagebroker #loanmarket #milperra #personalfinance

Simply placing your spare cash in an offset account can save you big money over the life of your home loan. Some people don't want to pay the package fee. So pay extra directly into your loan. Then use the redraw facility to access those funds again. There is no monetary difference. Offset you access like a bank account. Redraw, you transfer between accounts online. Same, same, but different. If you'd like to discuss your current set up, you know what to do. Stack Mortgage Advisory Matt 0423 237 242 Book a call: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #offset #redraw #refinance #personalfinance #mortgagebroker

That’s a tough pill for any economy to swallow. Property is great when growth is slow and sustainable — but it can wreak havoc when prices run unchecked. Long, unsustainable bull runs often lead to fast and painful corrections. As good as these numbers look for investors, the near future could be challenging. Many investors are already maxed out — relying on equity releases and trust structures that technically “service themselves” on paper… but only just. 👉 The upside? This clearly shows that property has been a powerful long-term move. If you’d like to: • check your borrowing capacity • refinance to a fixed rate • sense-check your next purchase Book a quick chat via the link below. Stack Mortgage Advisory Matt — 0423 237 242 📅 Book an appointment: https://calendly.com/matthew-stack-g7e/15mins #perth #perthhousing #firsthomebuyer #property #propertyinvesting #mortgagebroker #loanmarket

How rich is Elon Musk? How rich is Elon Musk?  According to Yahoo finance his net worth is $667bn.  I've heard it put in a funny way, that's the equivalent of:  3.5m US Families net wealth  423 Taylor Swifts ($1.6bn)  178 Michael Jordans ($3.8bn)  82 New York Yankees baseball franchises ($8.2bn)  15 Target Corporations (44bn)  When the average American makes $36,86 per hour.   #elonmusk #wealth

💡 Full exemption up to $700k. Partial concession $700–$800k. Above $800k = standard duty. Let's run your full numbers together. Borrowing capacity. Lender comparisons and rates. Documents needed for Preapproval. Broker works in your corner. Book an appointment in my calendar:  https://calendly.com/matthew-stack-g7e/15mins Matt mortgage broker 0423 237 242 #mortgagebroker #stampduty #firsthomebuyer #preapproval

How Australia ranked in the World’s Best Cities 2026 11. Sydney 21. Melbourne 68. Perth 79. Brisbane Melbourne levelled up in 2026, jumping from 25th to 21st thanks to shiny new metro stations, elite universities, and the unbeatable combo of art, sport and coffee ☕🏎️🎾. Perth and Brisbane were the real glow-ups. Perth rocketed 15 spots (83rd → 68th) off the back of a $55m cultural makeover and a casually massive $5bn airport upgrade. Meanwhile Brisbane climbed to 79th, flexing top-tier air quality, great weather, and an outdoorsy lifestyle — with the 2032 Olympics build-up already doing the heavy lifting. Australia in 2026: 11️⃣ Sydney 21️⃣ Melbourne 68️⃣ Perth 79️⃣ Brisbane (source: Resonance Consulting’s full World’s Best Cities report) Stack Mortgage Advisory Matt 0423 237 242 #Australia #sydney #worldsbestcity #resonanceconsulting #loanmarket

If you and your partner each saved $150/week… In 2 years you’d have $31,200, enough to buy a $600k unit, as a first home Book an appointment if you want our help planning your: ✅ Home loan ✅ Deposit ✅ Budget ✅ Borrowing options Stack Mortgage Advisory Matt 0423 237 242 Appointment calendar: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #savings #budget #goals #house

Want to buy a home without a deposit? (Use a guarantor loan) With a family guarantor home loan, you don’t need to save a deposit. Your family member uses equity in their home to guarantee your 20% deposit — there's no cash out or refinancing of their loan. They don’t make your repayments, and their loan doesn’t change in any way. You can even roll in all upfront costs like stamp duty — which may be free for first home buyers. And once your property grows in value, you refinance and remove them as guarantor off the loan. If you want to check if this works for you, book a call with my team via the link in my bio. Stack Mortgage Advisory Matt 0423 237 242 Calendar: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #guarantorloan #familyguarantor #family guarantee #firsthomebuyer

Get saving in 2026. Save for a first home deposit (automate) Start investing (no matter how small). Make a budget (and try to stick to it). Seek advice. Talk to me about your first home loan (no charge). Get started! You've got this!!! Matt 0423 237 242 #loanmarket #firsthomeguarantee #personal finance #mortgage broker #firsthome #revesby #padstow #milperra #homeloan #investing

FUNDS NEEDED TO BUY YOUR OWN $765k WAREHOUSE   Penrith, Sydney FUNDS NEEDED: $258,668 $153k Deposit (20%) $29,188 Stamp Duty $76,500 GST $5k Fees ----------- These figures are to purchase as an owner occupier to run your business. The metrics need to incorporate DSCR if you are looking to invest.  Reach out if for the figures if you are seeking to rent this out. 20% deposit for owner occupied. 30% deposit minimum if you are investor. - Purchase Price: $765,000 - Stamp Duty: $29,188 - GST: $76,500 - 20% Deposit: $153,000  - Loan Amount: $612,000 - Monthly repayments: $3,669 Total Funds needed $258,688 Address: 8/42-48 Jack Williams Drive, Penrith, NSW 2750 Agents:  Robert Tappouras  0436430344 Book an appointment with me if you want to run your numbers. There are plenty of low doc commercial loans out there for those who don't have their financials completed. Stack Mortgage Advisory Matt 0423 237 242 Book free appointment in bio or here: https://calendly.com/matthew-stack-g7e/15mins #commercialloan #commercialrealestate #mortgagebroker #commercialinvesting #warehouse #stmarys #penrith #realcommercial #commercialrealestate.com.au

BROKER vs BANK  What preapproval sometimes looks like behind the scenes If you would like my help, then book an appointment with my team (bio or below) and let's get started.  Please only book if you actually want to speak with a mortgage broker. Book a free appointment with me: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #debtconsolidation #mortgaebroker #personalfinance #investing #budget #wealth #firsthomebuyer #homeloan

INCOME NEEDED TO BUY YOUR FIRST HOME (NSW) 🏡💰 $500k = $90k $600k = $110k $700k = $125k $800k = $145k $900k = $165k $1m = $180k Figures based on: - being single - no other consumer debt - clean credit - Combank servicing / borrowing capacity - First home guarantee scheme participant If you would like my help, then book an appointment with my team (bio or below) and let's get started. Book a free appointment with me: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #debtconsolidation #mortgaebroker #personalfinance #investing #personalfinance #realestate #budget #mortgagebroker #stampduty #firsthomebuyer #preapproval #homeloan

There are 52 weeks in a year. 52 chances to get closer to your first home. Use this savings guide to save your 5% deposit, as part of the First Home Guarantee. Start today, you'll be glad you did. Then come to me and we'll work on your first home loan approval together. Matt 0423 237 242 #loanmarket #mortgagebroker #personalfinance

If you would like my help, then book an appointment with my team (bio or below) and let's get started. Book a free appointment with me: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #debtconsolidation #mortgaebroker #personalfinance #loanmarket #investing #personalfinance #revesby #milperra #padstow #wetherillpark #budget #mortgagebroker #stampduty #firsthomebuyer #preapproval #honeloan #revesby #Padstow #wetherillpark

If you would like my help with a home loan, then book an appointment with my team (bio or below) and let's get started. Book a free appointment with me: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #debtconsolidation #mortgaebroker #personalfinance #loanmarket #investing #personalfinance #revesby #milperra #padstow #wetherillpark #budget #mortgagebroker #stampduty #firsthomebuyer #preapproval #honeloan #revesby #Padstow #wetherillpark

First Credit Card: $15K Second Credit Card: $7.5K Car Loan: $32.5K Home Loan: $650K Total repayments: $7k pm Rolled into one home loan Total repayments: $4k pm  Same debt. Different structure. $3k pm saved. Ask me how (I'm a mortgage broker) Book a free appointment with me: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #debtconsolidation #mortgaebroker #personalfinance

These numbers are for owner occupied to run their own business out of. Expect a 30% deposit for investment. These warehouses have been very popular lately. 11/54-60 links road St marys NSW 2760 Book an appointment with me if you want to run your numbers. There ate plenty of low doc commercial loans out there for those who don't have their financials completed. Stack Mortgage Advisory Matt 0423 237 242 Book free appointment in bio or here: https://calendly.com/matthew-stack-g7e/15mins #commercialloan #commercialrealestate #mortgagebroker #commercialinvesting #warehouse #stmarys

The above example assumes an average return of 7% (which the Aussie index beats easily). How an Average Income Beat a High Income This is how real wealth is built. This is an example, they aren't real clients. Anabell Tracy is a teacher. Income: $79,700 She invests $500/month Starting at age 22 Tracey's Result She invests consistently for 43 years. At age 65: $3,909,844.56 Dexter Dexter is a doctor. Income: $208,000 He invests $1,500/month Starting at age 35 Dexter’s Result He invests for 30 years. At age 65: $3,256,981.65 The Shock Dexter earned more. Dexter invested more. Yet he retired with less. The Reason Time beats income. Time beats contribution size. Tracy started earlier. Compound interest did the rest. The Lesson Wealth isn’t about being rich. It’s about: • Starting early • Being consistent • Letting time work This is how average people build extraordinary wealth. Matt #loanmarket #investing #personalfinance #revesby #milperra #padstow #wetherillpark #budget

Let's run your full numbers together. Borrowing capacity. Lender comparisons and rates. Documents needed for Preapproval. Broker works in your corner. Book a call back or let's meet for coffee. Matt mortgage broker 0423 237 242 https://calendly.com/matthew-stack-g7e/15mins #mortgagebroker #stampduty #firsthomebuyer #preapproval #honeloan #revesby #Padstow #wetherillpark

International News You May Have Missed (Jan 13 – 19) 🇮🇷 Iran — Internet restrictions extended until March 🇰🇷 South Korea — Ex-president faces possible death penalty over insurrection charge 🇷🇺 Russia — Putin offers to mediate Iran–Israel conflict 🇨🇳🇹🇼 China / Taiwan — Chinese drone enters Taiwan airspace (first time) 🇺🇸 USA — Invites 60 countries to peace talks 🇺🇸🇻🇪 USA / Venezuela — CIA meets with Venezuela’s interim president 🌍 Global Health — Study finds paracetamol safe during pregnancy Stack Mortgage Advisory Matt 0423 237 242 Book a home loan consultation: https://calendly.com/matthew-stack-g7e/15mins #news #global news loanmarket #news #breakingnews #politics #worldnews #globalnews #internationalnews #usnews #cia #venezuela #putin #russia #iran #israel #southkorea #china #taiwan #uganda #unitednations

Most first home buyers are nowhere near this level. I'm using thus Revesby duplex to show wats possible under the first home guarantee scheme. It's much more likely that you're looking for something sub $1m for your first home. As a mortgage broker I'll show you your borrowing capacity and government scheme options. I'm paid by the lender, there's no fee. Book an appointment in my calendar: https://calendly.com/matthew-stack-g7e/15mins Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #mortgagebroker #firsthomebuyer #revesby #raywhite #borrowingcapacity

The average repayment on a car loan is going up. This is a result of car prices going up. In a report done by lending tree and Ramsay solutions, Toyota was the most wildly driven car by millionaires. I remember Warren Buffet once saying he owned a second hand one at one of his AGMs lol. No shade if you have a car on loan, food for thought. Matt 0423 237 242

Top live cities in the world. Aussie still ranking!!!! Be greatful.. Matt

Not financial advice. This time last year silver was around $30 USD an ounce. Fast forward to now and it's worth roughly $92 USD an ounce. So what has caused the biggest run for silver in decades? 1. The AI data centre boom has a hungry use for silver, as it's one of the most conducive metals on earth. 2. Trump added silver to the critical minerals list showing its importance to tech and national security. 3. China announced strict silver export controls (which may have created a supply shock). 4. More investors used it as a hedge against the financial system and inflation.  There is an increasing lack of trust in the world economy and fiat money. 5. For the last 5 years, the world has used more silver than it dug out of the ground.  When demand is higher than supply, prices go up. The problem with such a huge run up in silver is: 1. History shows explosive upside creates violent pullbacks.  - 1980: silver spiked 700% and then crashed 80%. - 2011: silver went from $18 to $49, then dropped 50% within months. - 2020: covid surge, followed by fast correction. How to invest in silver? 1. You can buy silver coins. 2. You can buy silver ETF's 3. You can buy mining stocks Stack Mortgage Advisory Matt 0423 237 242 Book a home loan appointment: https://calendly.com/matthew-stack-g7e/15mins #loanmarket #homeloan #investing #silver #gold #shares #realestate

You took a car loan. Loan for your tools. Ran up some Credit cards. Have your tax debt due. Personal for your Bali trip. What's done is done. Consolidating it all into one loan will clear it up for you. One loan. One repayment. Call me to see what your new si gle repayment would look like. At home loan rates. I'm a mortgage broker. No broker fee. Stack Mortgage Advisory Matt 0423 237 242 #loanmarket #debtconsolidation #mortgagebroker #personalfinance

Donald Trump is eyeing Surfers’ Paradise for Australia’s first Trump Tower! 🇺🇸✨ Because why not? 😎💰” It's the former Iluka site, which had 700 units approved in 2015 but never built.  This time Trumps going for two 37-storey towers, with indoor-outdoor balconies, pools, & saunas.  Sounds awesome actually. 🏊‍♂️🧖‍♀️” But will it even happen? Who knows at this point.  But the plans are filed, and the council seems to be leaking info to the press.  Trump Towers coming to Australia, probably a really good thing 🏗️😂. What are your thoughts, good for the economy, or a no-go for the Gold Coast? Stack Mortgage Advisory Matt 0423 237 242 Book a call for your next home loan: https://calendly.com/matthew-stack-g7e/15mins #TrumpTower #GoldCoast #LuxuryLiving #BeachVibes #realestate #australia #goldcoast #mortgagebroker #loanmarket #homeloans #trump #news

Weekly catch up in world news you may have missed. Sources (aka: “we didn’t make this up”) 1️⃣ Reuters + 3 insiders whispering about jets and weapons 2️⃣ Dominica’s PM saying it out loud at a press conference 3️⃣ London inauguration – lots of cameras, no secrets 4️⃣ Trump… on Truth Social (enough said) 5️⃣ Spain’s government website (very official) 6️⃣ The UN confirming Gaza finally ate properly 7️⃣ Greenland FM casually flirting with the US on Danish TV 8️⃣ Paris court decision, reported everywhere 🇫🇷⚖️ Matt Stack Mortgage Advisory #worldnews #news #politics #globalpolitics #Sudan #Pakistan #France #palestine #Gaza #Greenland #Australia #USA #Trump #dominica #usanews #UK news #spain

The first home guarantee scheme is a game changer. 5% deposit. No lenders mortgage insurance. No stamp duty (under $800k in NSW). Ask me about your borrowing capacity and lender rates. Let's get you preapproved. Working in your corner. Book a free call or simply give me a ring. https://calendly.com/matthew-stack-g7e/15mins Matt mortgage broker 0423 237 242 Loan Market #loanmarket #personalfinance #firsthomebuyer #homeloan #revesby #padstow #milperra #wetherillpark

What are your thoughts...should President Trump be allowed to trade crypto and influence the laws that govern it at the same time? himself doesn’t trade crypto. But Trump-linked entities and family-backed projects have been involved in crypto well before and after the election. There are three main channels people point to: 1️⃣ NFT projects licensed under the Trump name 2️⃣ Trump-associated crypto tokens 3️⃣ Equity held by family trusts or companies In most cases, profits come from licensing fees or token appreciation, not his direct trading of crypto. The hard thing to fathom here is, it's President, Trump that influences the Crypto regulation and SEC enforcement of crypto firms. It matters because markets move on expectations, not just laws. So even his own policy signals can increase the value of his crypto projects.  Hard to believe this is happening.  Not illegal, but questionable for sure. Matt mortgage broker 0423 237 242 #loanmarket #crypto #trumpwealth #investing #bitcoin #trumpeting #realestate #mortgagebroker

ANZ is the next lender in a growing list to limit property lending to trusts. It's now only open to existing customers and capped at 70%. It's a crackdown to ward off investors chasing "unlimited borrowing capacity". The popular idea is: that once the property held in a trust is paying off its own mortgage, then this debt does not need to be added as an expense for any new loans.  Therefore, rinse and repeat and go again with the next property.   The problem was: the likes of Macquarie didn't even need to see proof that the trust was positively geared.  And they stopped asking for an accountant's letter to verify.  They simply went off personal declarations from the customer, which opened them up to abuse.   But there are still plenty of non-banks that lend this way.   What are your thoughts? Are lenders getting stricter because the economy is expected to sour, or are they just being vigilant to keep you safe? Matt mortgage broker 0423 237 242 #LoanMarket #personalfinance #trustlending #mortgagebroker #anzbank #trustlending

Aussie has a pretty high tax rate. Can't see that changing. The cheapest way to save on tax is to spend money on the right advice. #tax #personalfinance #loanmarket #homeloan

The ATO is banning tax dodgers from leaving Australia!”   In its bid to recoup more than a $50bn blowout in unpaid tax debt, the Australian Tax Office has issued 21 departure prohibition orders, which stop people skipping the country before paying tax & GST. If you have unpaid tax debt, the ATO will usually try first to set up a payment plan.  Usually 11.7% over 2-3 years, which can be brutal on household cash flows.   But I guess there's 2 sides to the story: Most Aussie's think the government over taxes and wastes it all public spending.  But i like the idea of the ATO stepping up to make everyone pay their fair share.   What are your thoughts?  Is this a good thing, or is the ATO going too far? Matt #debtconsolidation #personalfinance #ato #atopaymentplan #taxdebt #mortgagebroker #loanmarket

President Trump just proposed a 10% cap on credit card interest. The average US credit card rate is 24%  I'm guessing this will need congress to approve, but I'm certain the American Bankers association will oppose it.  Or maybe they'll restrict credit under the cap, which is not good for the industry. Obviously, the real solution isn’t waiting for Albanese to step in and do the same. 1️⃣ Know your spending triggers 2️⃣ Make overspending hard by budgeting spending money with cash 3️⃣ Treat credit cards like debt cards — pay them in full, or don’t use them. But if you have multiple credit cards, we can always look at rolling the balances into your home loan under one repayment. Then cut cards up! Follow for personal finance tips!!! Matt 0423 237 242 #loanmarket #debtconsolidation #president trump #debtconsolidation #revesby #milperra #Padstow #Wetherillpark

We helped Mo save $1,820 per month in cash flows. He was looking for an investment property, however with all the consumer debt, he couldnt quite service the loan. Mo was making good money, but needed a different structure t get it over the loan. We jagged his investment loan, too. Willlodge shortly! Pays to be thourough and help people. Follow for more tips. Matt 0423 237 242 #debtconsolidation #personalfinance #refinance #homeloan #loanmarket #milperra #Padstow #revesby #Weatherillpark #chippingnorton

Is smart Money telling us something about the high end marjet in Brisbane? Or is the end of the bull run? #realestate #smartmoney #realestate

Debt consolidation can save you...or trap you! Done right, it's a life line. Done wrong, it keeps you broke for years. DM 'show me how' and I'll work out what your new repayments would look like. Follow for tips! Loan Market Matthew Stack 0423 237 242 #debtconsolidation #revesby #Padstow #chippingnorton #wetherillpark

Juggling multipl debts? Here's how to save $1,800 per month. Are you car loan, credit cards, personal loan, and mortgage draining your cash flow each month? DM 'consolidate' nd ill work out your new repayment and rates for you. No pushy sales. Matt #loanmarket #debtconsolidation #realestate #milperra #revesby #Padstow #chippingnorton #wetherillpark

Debt consolidation: roll your ATO payment plan into your home loan, at home loan rates. DM or call me to see what your new lower repayments would look like. If you don't see lower repayments, I'll send you a $200 gift card for giving us the opportunity (you must be able to service the loan). Don't forget to follow this page for more tips! Stack Mortgage Advisory Loan Market 0423 237 242 #debtconsolidation #ato #atopaymentplan #personalfinance

Debt consolidation: roll all your credit cards, car loans, tax debt into your home loan. Let me show you what your new repayment will look like. If I can't show you lower repayments, I'll send you a $200 e-gift card for your time. DM 'show me how' or give me a call. Stack Mortgage Advisory Loan Market Matthew Stack 0423 237 242 #personalfinance #debtconsolidation #ato #atopaymentplan #creditrepair

Debt consolidation: can I lose my house if I consolidate debt? When you consolidate your tax debt, car loans & credit cards; you’re basically securing these debts against your property.  These other debts are now paid out and closed, but now it sits against your property in the form of a home loan. Just like before, if you don’t make your repayments, eventually you’ll risk property foreclosure, so nothing changes there. What’s the upside?  You’ll simplify multiple payments with the relief of one lower repayment.  FOLLOW this page for more tips. Matt 0423 237 242 #debtconsolidation #personalfinance #taxdebt

Debt consolidation: will I pay more interest if I roll debts into my home loan? You’ve seen how consolidating all your debts into your home loan will lower your monthly repayments.  You’ve exchanged short term credit card interest, for long term home loan rates. You will pay more in interest over the long run.  But it doesn’t have to be that way.  You can consolidate all your debts but maintain your current repayments. So why would you do this? One simple repayment. All at home loan rates. FOLLOW this page for more tips. Matt 0423 237 242 #debtconsolidation #personalfinance #atopaymentplan

Debt consolidation: loan rejected…what now? You’ve called a lender, maybe your bank, and they’ve told you there’s no way you can roll all your car loans, personal loans, and credit cards into your home loan. They’re saying your poor credit makes you a little riskier than a standard home loan.  And they’re probably right to a degree.  You may have missed some repayments or got a low credit score.  Perhaps you owe tax debt. The tip is: don’t go to your bank!  This is where non-bank lenders shine. FOLLOW this page for more tips. Matthew Stack 0423 237 242 Loan Market Matthew.stack@loanmarket.com.au #Debtconsolidation #personalfinance #lowcredit

Debt consolidation: My Payments are overwhelming and unmanageable. A lot of people can technically afford each of their loans.  Each new car loan or credit card is within their ability to pay.  But somewhere along the line with all these affordable payments, many borrowers start to feel the weight of multiple short term, higher interest loans.  I’m talking about your car loan, your credit cards, and small personal loans.  Combined, they are usually more than your home loan, and while you’re paying them, and not missing repayments, it’s a hard thought to live like this for another 3 to 5 more years.  You’ve been wondering about what your new repayment would look like, all consolidated into one home loan payment.  Long term, lower interest is how you get some breathing room. FOLLOW this page for tips! Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #Debtconsolidation #personalfinance

Debt consolidation: we relieved Scott $6,392 per month! We consolidated Scott’s 2 credit cards, home loan, and three ATO debts (that’s one for his superannuation, one for an old company he ran, & one from a GST bill). His repayments went from $11,368 to $4,976, saving him $6,392 per month. We also set up an offset account so Scott can make extra repayments and save for his next business venture.  He’s got plenty of good years left ahead. If you’re interested in what your new repayments would look like, follow this page for tips. Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #taxdebt #atopaymentplan #personalfinance

Debt consolidation: I want one simple repayment! If you have multiple debts, my job is to help you roll your personal loans, car loans, credit cards, tax debt — even business loans — into your home loan. Why? To simplify your monthly repayments into one much lower repayment. We create clarity.  You’ll need to have current home loan to apply. If that’s you, tap the link — or share this with a mate who needs it.   Give me a call. I don't charge a fee, I'm paid by the lender. Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #personalfinance #taxdebt #atopaymentplan #loanmarket

Hi guys, my name is Matthew. And I’m here to show you how to wipe away all your personal debts if you’re a homeowner. So if you have car loans, boat loans, credit cards, even tax debt, then click the link below and get in touch with me.  And I’ll show you how to consolidate it all into one much lower home loan repayment. Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #personalfinance #budgeting

Debt consolidation: how long does bad credit stay on my credit file? If you’re wondering how long bad credit stays on your credit file, this video is for you. Hardship: 1 year Defaults: 5 years Credit enquiries: 5 years (this one is easily avoided by using a broker) Judgements: 5 years Serious infringements: 7 years Late repayment history: 2 years   There are credit cleaning companies that can expedite this.  Good thing is they usually won’t charge a fee unless they think they can help you.  Ask me for a recommendation to a credit clear company. Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #creditscore #lowcredit #personalfinance #budgeting

Debt consolidation: what would my new repayments look like? Let’s assume two years ago, you were self-employed. You took out two business loans, $150k at 9.9%, a car loan, $68k at 8.5%. Two maxed-out credit cards, $40k at 16%. And your home loan, $800k at 5.5%, with 15 years left. Your total repayment is $14, 461 per month.  You’ve got no wages left. Now, let’s assume you’ve consolidated all of that into a single home loan at 6%, over 30 years. Your repayments have dropped to $6,338 per month. Longer term, lower rate, one repayment.  Share this with a mate, that needs to see this.   Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #personalfinance #self-employed #cashflow

Debt Consolidation: understanding your Tax  debt options If you’re self-employed and the ATO payment plan is using up all your cash flow, then you have two real options to massively reduce your repayments, and the one you pick will depend on your situation. When you roll ATO debt into your home loan, it’s not tax-deductible… but it’s much longer term and lower rate will massively drop your repayments and free up your cash flow. On the other hand, if you don’t have property to consolidate the tax debt, a business loan can work too. It is tax-deductible, but doesn’t lower your repayments as much as the property backed scenario. Share this with a mate who’s stressing over the same thing.   Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #tax debt #ato #atodebt #atopaymentplan #atocalculator #personalfinance #budgeting #refinance

Debt consolidation: shouldn't my ATO debt stay separate from my home or investment property loan? If you’re a business owner with ATO debt or a couple of business loans hanging over you, you’ve probably asked yourself: ‘Shouldn’t this stay separate from my home loan? Doesn’t this mess up my tax?’ Here’s the truth — we can keep it separate and still slash your monthly repayments. When we consolidate, I don’t roll everything into your owner-occupied home loan. I set up a separate investment loan split against the property. Your accountant can see exactly what’s what. It’s clean. It’s structured. It’s built for tax clarity. And because you’ve probably got enough on your plate, I’ll do the running around. I call your accountant myself, confirm how they want it set up, and I’ll collect your business financials and tax returns directly from them. No paperwork chase. No confusion. No late-night stress spirals. Your job is to run the business. My job is to free up your cash flow, dramatically reduce your repayments, and build a structure so you never have to lean on consumer debt again. If you want this sorted — quick chat, no broker fee. I’m paid by the lender. Give me a call. Matthew Stack mortgage broker 0423 237 242 matthew.stack@loanmarket.com.au #debtconsolidation #atodebt #taxdebt #tax debtconsolidation #personalfinance #budgeting

Debt consolidation: I want a separate investment split for my business debt! ATO debt repayments are harsh because they are short term and high interest. But there’s a cleaner path: slash your ATO repayments by consolidating into your home loan — with a separate investment loan split, so the tax story stays clear. Plans succeed with wise counsel I’ll speak to your accountant and collect your docs from them. You run your business. I’ll clear the path. There’s no broker fee. Tap the link & let’s get started. Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #businessdebt #atodebt #taxdebt #personalfinance #budget #realestate #smallbusiness #selfemployed #cashflowfinance

Debt feels heavy because it whispers that you should handle it alone. But sometimes the best thing you can do is make life easier, not harder. If you’re carrying too much — ATO, credit cards, car loans, all of it — let’s talk. No judgement. Just a calmer way forward. Give me a ring, let’s find you some options. Loan market matthew stack 0423 237 242 #debtconsolidation #personalfinance #atodebt #personally and #budgeting #businessloanconsolidation #loanmarket

Debt consolidation: I don't want another 30 year term! People often say, “I don’t want another 30-year home loan.” And that sentence carries a lot of stories inside it. Because what they’re really saying is: “I’ve worked too hard to go backwards.” “I don’t want to feel like I’m starting again.” “I don’t want to admit it’s been a tough year.” Fair enough. We’ve been taught that shorter is better, faster is better, tougher is better. That digging ourselves out the hard way is somehow more noble. But sometimes life isn’t asking us to be noble. Sometimes it’s just asking us to breathe. Rolling a handful of short-term, high-interest debts into one low-rate home loan… it’s not glamorous. It’s not a victory parade. It’s a reset. And here’s the part we don’t say enough: You’re allowed to make things easier for yourself. You’re allowed to have seasons of “just keep me afloat.” And you’re allowed to tidy things up later, when you’re steadier on your feet. My job is simple. I hold the torch while you walk through the messy bit. No judgement. No pressure. Just clarity. And if the time ever comes when you want to straighten the path again, we’ll do that together too. Give me a call, and let’s get you back on track. Matthew Stack mortgage broker 0423 237 242 Matthew.stack@loanmarket.com.au #loanmarket #debtconsolidation #personalfinance #budgeting #realestate #homeloan #homeloanonsolidation #personalloanconsolidation #financialhardship #bankruptcy #businessloan #atodebt #taxdebt #atopaymentplan

Debt consolidation: it's too much hassle! It doesn’t have to be hard. A quick 15-minute phone call with me, and I’ll help you slash your monthly repayments — including ATO debt. You’ll only send your docs if I can dramatically reduce your repayments.  And I don’t charge a broker fee. So if you want one simple repayment, and more cash flow for the new year, then give me a ring — I’ll make it easy for you. Loan market matthew stack 0423 237 242 #debtconsolidation #atodebt #businessloans #personalloan #personalfinance #atodebt #budgeting #loanmarket

Debt consolidation: too much paperwork? You’re running your business, it’s nearly Christmas, and the last thing you want is hunting for paperwork or going back and forth with a broker. I get it. But what if I told you the whole thing starts with a simple 15-minute phone chat? You tell me your current debts — credit cards, personal loans, ATO debt, everything — and then I go to work. And here’s the best part: I only ask for documents if I actually find you a solution that dramatically reduces your monthly repayments. No confusing portals, no password-protected sites. Just one email from me, and you reply with your docs. That’s it. Then I send you the home loan application for e-signing. My job is to make this easy. Let’s map out a solution, and I’ll do all the heavy lifting.  There’s no broker fee; I get paid by the home loan lender. Start the new year with one simple repayment and more breathing room. Give me a ring — I’ll show you how. Loan market matthew stack #debtconsolidation #atodebt #personalfinance #budget #realestate #homeloan #loanmarket

Debt consolidation: can almost HALF your monthly repayments! If you are struggling with multiple debts - car loans, personal loans, boat loans, business loans, even tax debt – did you know that you can consolidate them into one simple home loan repayment — dramatically reducing your monthly payments. Let me show you exactly what your one new repayment could be after consolidating. No broker fees, we’re paid by the lender. Click the link to leave your details or just give me a call. No obligation — just the info you need to make a smart decision. Loan market matthew stack 0423 237 242 #debtconsolidation #personalfinance #budgeting #loanmarket #atodebt #carloan

Debt consolidation: Have you missed repayments on your credit cards, personal loans, car loans or ATO debt? If you own a property, debt consolidation can help you get back on track. We roll your credit cards, personal loans, even ATO debt into your home loan — one simple monthly repayment, often much lower, and at home loan rates. We can look at some near-prime or custom lenders to help you reset, rebuild your credit, then move you back to prime after 12 or 24 months, depending on your situation. I’m Matthew Stack, your local mortgage broker. DM or call me and let’s start you on your path back to prime.   Matthew Stack 0423 237 242 #debtconsolidation #personalfinance #atodebt #budgeting

Debt consolidation: what rates & fees to expect with a low credit score? In my last video, I explained the two types of missed repayments. Here’s what the rates and fees look like for each. Missed consumer debts If you’ve missed a credit card, car loan or personal loan repayment, it’s usually straightforward to move you into a Near Prime product. At around a 70% LVR, and only 1–2 missed repayments, today you’re looking at roughly 6.94%. Do 12 months of perfect repayments after the consolidation and I apply to move you straight back to prime — no full refinance, I do it in the background. You don’t have to chase me; I’m on it the minute we hit the 12-month mark. Missed home loan repayments This is more serious, so you’ll likely start on a Specialist or Custom product. Today that’s around 7.89%. Again, after 12 clean months, we reapply for better rates with the same lender. It’s a process, but I guide you every step of the way. And yes, while it’s rarely seamless behind the scenes, we handle the heavy lifting for you. Now, let’s talk lender fees. Near Prime products usually don’t charge a risk fee — so that’s a win. Specialist or Custom products often have a 0.8% risk fee. On a $500k loan, that’s $4,000, which can be paid upfront or added to the loan. If you want help working out your new monthly repayment after consolidation — plus all fees and charges — DM or give me a call. We’re completely transparent, our service is free, and we stay with you long after settlement to get you back to prime… then onto wealth building if that’s your goal.  Loan market matthew stack #debtconsolidation #debtrepair #personalfinance #loanmarket #realestate #personalloan #carload #atodebt

DEBT CONSOLIDATION: With a Low Credit Score Do you have a low credit score? Missed repayments? Credit cards, personal loans, even ATO debt stacking up? If you own property, this is exactly when debt consolidation makes sense. We take all those high-interest, short-term debts… Roll them into your home loan… And create one simple monthly repayment, usually much lower. Your loan options will depend on exactly what repayments you’ve missed.  Let’s take a look: If you’re late on your credit cards or personal loan;  we look at near-prime lenders like Pepper or Liberty to reset things. But if you’ve missed a home loan repayment; that’s more serious — but still fixable. We start with a specialist or custom lending product, get 12 months of clean repayments, then move you back to prime rates. It’s a process — but it works. So what’s the goal? Lower repayments. Better cash flow. we rebuild your credit over time. Get you back to prime… and then even try and set you up to start investing in property.  Missed repayments isn’t a death sentence to wealth building. I’m Matthew Stack, your local mortgage broker. If you’re property-backed and struggling with repayments, reach out sooner rather than later. DM me or give me a call — let’s get you back on track.  Loan market matthew stack #debtconsolidation #personalfinance #budgeting #atodebt #personalloan #carload #lowcreditscore #debtrepair

Debt Consolidation: Will It Improve my Credit Score? There’s a myth going around that getting a credit card or a car loan will “build your score” so you can one day get a home loan. Yes—making repayments on time helps. But having the debt itself doesn’t actually boost your score. In fact, the opposite is often true. Personal loans, car loans, credit cards… these are considered bad debts. And multiple credit enquiries from shopping around? That’s exactly what crushes a credit score. That’s why using a broker matters. I can check your borrowing capacity without touching your credit file. Now—when you consolidate everything into your home loan, here’s what really happens: Those personal loans, car loans and credit cards are closed. Gone. And with fewer open consumer accounts, your credit score naturally improves over time. It’s not an instant “fix”, but it removes the bad debt, tidies up your profile, and leaves you with one clean repayment. And if you’ve seen my other videos, you’ll know I’m a big fan of using an offset account. You can make extra repayments, save on interest, and avoid needing more consumer debt down the track. So no—consolidation won’t magically repair a poor score overnight. But yes—it will put you on the right track, and your score will strengthen as you consistently repay one easy, manageable loan. I’m Matthew Stack, your local mortgage broker. If you want to know your credit score or what your repayments could look like after consolidation, give me a call or DM me to get started. Loan market matthew stack 0423 237 242 #debtconsolidation #creditscore #personalfinance #budgeting

Debt Consolidation: Using the Equity in Your Home Let’s talk about equity — because that’s the real engine behind debt consolidation. If you own a home, you might be sitting on tens or even hundreds of thousands of dollars in usable equity without realising it. And that equity can be the key to rolling all your high-interest debts into one lower-rate home loan. Here’s a real scenario I settled recently: You’ve got a $1 million home with a $500k mortgage. That means you’ve got roughly $500k in equity. But lenders will generally let you borrow up to 80% of the property’s value. On a $1m home, that’s a maximum lend of $800k. So you’ve actually got $300k of usable equity. Now imagine you’re drowning in: – $40k credit cards – $80k car loan – $120k ATO debt All short-term, all high interest, all destroying your cash flow. Because you’ve built up equity in your home, we can lend against that equity to wipe out those expensive debts and roll them into your home loan — without going over that 80% LVR limit. In this example, everything fit comfortably under $800k. Result? We consolidated the lot and cut her monthly repayments by more than half. Overnight, she finally had breathing room. And as I always say: once you’ve got your repayments under control, use an offset account to make extra repayments. You keep flexibility, you lower interest, and you protect your credit score. The goal isn’t to stretch a car loan over 30 years — it’s to regain control of your money. If you want to know how much equity you’ve got and what your new repayments could look like, give me a call. Or DM me your name and email, and I’ll send you my online fact find to complete at your own pace. I’m Matthew Stack, your local mortgage broker, helping everyday Aussies get back on track. Loan market matthew stack 0423 237 242 #debtconsolidation #equityloan #personalfinance #budgeting #atodebt

Debt consolidation: pro’s & con’s of consolidating debt Pro’s You can roll your high-interest personal loans and credit cards into your home loan, which can dramatically reduce your monthly repayments and is great for cash flows and one simple repayment. Con’s If you roll them all into a 30-year home loan, even at a lower rate, you will pay more interest over time. The trick: Enjoy the lower repayments, BUT keep making extra repayments when you can. Let’s take a look: (Before Consolidation) Home loan: $500,000 with 20 years left. Personal loan: $30,000 Credit card: $15,000 👉 Total monthly repayments: $4,427 🏠 After Consolidation All into the home loan: $545,000 Loan term: stretched back out to 30 years ➡️ New monthly repayment: $3,094 🔍 What This Means ✔️ Monthly Savings: You go from $4,427 → $3,094 That's a saving of $1,333 per month — massive cash flow relief. ⚠️ Total Interest Before consolidation: $339,716 After consolidation: $569,002 Difference: +$229,286 (because the loan runs over a much longer term)   💡 How to Make This Work in Your Favour Use the lower repayments to get back on track now. BUT also make extra repayments when possible And use an offset account to keep your extra cash accessible – no more pay day loans. Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #personalfinance #budgeting #loanmarket

Debt Consolidation: Can I Consolidate ATO Tax Debt?   Hey, Matt here. If you have tax debt or on an ATO payment plan, this video is for you. Here’s how it works: If you own property This is the easiest pathway. We can usually roll your ATO debt into a refinance and bring it all together at home loan rates, provided the numbers stack up and servicing is strong.  You’re monthly repayments will dramatically decrease, as the loan is stretched out over a longer term, far longer than the 12-24 months the ATO will give you. 2. If you don’t own property You’ve still got options. There are personal & business loans for ATO debt into a longer-term personal loan, which helps reduce your monthly repayments. It comes down to your credit score, income stability, and how much you’re looking to consolidate. 3. If you’re on an ATO payment plan Totally fine — as long as the plan is up to date and not in arrears. 4. Large tax debts We can still look at solutions, but lender choice narrows. Depending on the size, we either use a specialist lender or extend the loan term to keep repayments manageable. So you can consolidate tax debt — it’s actually one of the more common debt consolidation scenarios - as long as we match you with the right lender. If you want to check your options, give me a call, let’s go through your scenario together.  I’ll let you know what’s possible and what your repayments could look like.   Loan Market Matthew Stack 0423 237 242 #debtconsolidation #personalfinance #budgeting #loanmarket

Debt Consolidation: When It Won’t Work for You If you are wondering whether you are a fit for debt consolidation, this video is for you. Debt consolidation is very good when it fits… but there are times when it simply won’t work. Here are the big ones you need to know: 1. Payday loans If you’ve got payday loans, unfortunately it’s hard to get a lender interested. They see it as too high risk. 2. Bad credit under 500 If your credit score is below 500 and you don’t have property to secure the loan, debt consolidation won’t be approved. But — if you do own property, defaults are usually fine and we can still look at options. 3. Too small If you're trying to consolidate under 10 thousand dollars, it’s generally not something lenders will take on with a consolidation product. 4. Financial hardship If you’re currently in hardship with any lender, we can’t consolidate your personal loans or car finance. From the bank’s point of view, you’re applying for a new loan while in hardship — and that won’t get past credit. 5. Pensioners If you’re on the pension, we generally can’t consolidate personal loans — unless you’re a homeowner looking at a reverse mortgage. Property backing changes everything.   If you’re not sure where you sit, message me or give me a call. Even if consolidation isn’t the right fit, I’ll point you in the right direction and give you a clear plan of attack. It can’t hurt to ask. Loan market matthew stack 0423 237 242 #loanmarket #debtconsolidation #personalfinance #budgeting

Debt consolidation: will i have to use a 3rd tier lender? It depends on your credit file and the type of debt you are trying to consolidate, I'm Matthew Stack, a mortgage broker dedicated to helping people get back on track. If you would like my help, give me a call, or DM. Let’s make a plan to reduce your monthly repayments. Give me a ring to discuss. Matthew Stack 0423 237 242 Matthew.stack@loanmarket.com.au #debtconsolidation #personalfinance #budgeting

Debt Consolidation – Which Lenders Should I Use? Which lender should I use? And the answer is… it depends on the type of debt you’re trying to consolidate, and what your credit score looks like.  Let’s go through them. 1. Consumer debt with no late repayments If you're rolling in a car loan, credit cards or a personal loan and you haven’t missed any repayments, then you’re still considered a prime client. Think CBA, NAB, and a lot of the online lenders—can still help. You’ll generally get standard home loan rates, depending on your LVR and servicing. 2. Missed repayments or older defaults However, if you’ve had some late repayments or a default, we’ll need to take a closer look at your credit file. If the issues were more than six months ago, there’s often still a pathway to stay with a prime lender like ANZ or ING. I’d need to see your credit file first, and get an understanding of why the late repayments occured. 3. Recent defaults More recent defaults are a bit different. You’ll likely end up with a non-bank lender on a custom product – think Resimac, Liberty, & Pepper. The rate can be a little higher—say 50 to 100 basis points—but the whole strategy here is not to stay there long-term. Give me 12 months of perfect repayments, and we can often apply for prime rates again. After 24 months, we can usually move you straight back to a prime lender. 4. ATO or business debt If you’re consolidating ATO debt or business debt, that’s also a non-bank solution—once again think MA Money, Red-zed, Liberty, Resimac, Pepper. Again, the goal is to get you back to prime as soon as possible. As your broker, I review your loan every 12 months with one aim: move you back to a bank at prime rates. If you’d like my help, it all starts with a quick chat—or you can book a call-back straight from my calendar. Don’t forget to like and follow this page and drop any questions in the comments.   Matthew Stack 0423 237 242 #debtconsolidation #atodebt #loanmarket #nonbank #personalfinance #budgeting

Debt Consolidation: How Does it Work with Defaults? A lot of people ask me:  can I still consolidate my debts if I’ve got defaults on my credit file? And the answer is — yes, you often can. But here’s how it actually works. When you have defaults, most major banks will pull back. They want squeaky-clean credit. There are plenty of lenders who’ll still look at your file — as long as we can show the story behind the default. Maybe it was during COVID, maybe you changed jobs, maybe cashflow just went sideways for a bit. Some lenders don’t just look at the mark — they look at whether it’s paid, how long ago it happened, and whether your current finances are stable. If the numbers stack up, we can usually roll everything — credit cards, personal loans, car loans, even ATO debt — into one home-loan-rate repayment – at home loan rates. You’ll probably be looking at a custom product within a non-bank lender for the first 2 years.  Even with a higher home loan rate, you’ll save on the other high interest consumer debt you have.  That often means much lower overall monthly repayments. A default just means we need to pick the right lender and package the deal properly.  If you want me to take a look, I’ll tell you what’s possible and what’s not. Send me a message or give me a call. Don’t forget to like and follow this page.  Let me know in the comments what are thoughts on debt consolidation.   Loan Market Matthew Stack – 0423 237 242   #debtconsolidation #debtconsolidationdefault #creditfdefault #personalfinance #budgeting #atodebt

Debt consolidation: will i have to use a 3rd tier lender? One of the biggest concerns I hear about debt consolidation is: "If I consolidate my debt into my home loan, will I have to go to a second or third-tier lender?" It's a valid question, and the answer is: it depends. For example. Say you have a good credit score and are only consolidating consumer debt, like credit cards and personal loans, then no, you’d probably stay with a prime lender like Macquarie or CBA. But it changes if you're looking to consolidate ATO or business debt. Or if you've had late repayments & defaults, then yes, you are likely to start with non-bank… but only initially. So what’s the roadmap? Phase 1 (the fix): We use a custom product to consolidate all your debt. Phase 2 (the Upgrade): After just 12 months of perfect repayments, we can apply for prime rates within the same lender. Phase 3 (the Move): After 24 months, we can look to prime lenders again for cheaper rates according to your situation. To begin with it’s all about having one simple lower repayment, at home loan rates. I'm Matthew Stack, a mortgage broker dedicated to helping people get back on track.  If you would like my help, give me a call, or DM.  Let’s make a plan to reduce your monthly repayments. Give me a ring to discuss. Matthew Stack 0423 237 242 Matthew.stack@loanmarket.com.au   #debtconsolidation #personalfinance #budgeting

Stressed over personal debts? Struggling to meet multiple repayments? Finding it hard living pay check to pay check?   Watch this video.   If that’s you, I like you to connect with me. So, we can discuss how we can clear and wipe all those debts away. So if you’ve got any credit cards, personal loans, car loans, boat loans, even tax debt – Click the link below, Have a chat with me, Let’s have a comprehensive call, Let’s do the numbers, And see if we can wipe it away, So you can stop living pay-check to pay-check with paying all those high interest rates. Give me a call and Let’s Get Started! Matthew Stack 0423 237 242 #loanmarket #debtconsolidation #personalfinance #budgeting #ato #taxdebt #atopaymentplan

Debt consolidation: how it can almost HALF your monthly repayments   Here’s how consolidating your consumer debts into one repayment almost shaved 40% off this client’s monthly repayments.   I’m Matthew Stack, a mortgage broker; if you’d like to know what your monthly repayments would look like after debt consolidation, give me a ring and let’s go through it together. #bugeting #debtconsolidation #personalfinance

Will consolidating all your personal debt into your home loan increase your interest rate? The answer is: it depends. • For Consumer Debt (car, personal loans, credit cards): You probably won't see an increase, and may even secure a cheaper rate, as we scour our whole lender panel for the cheapest rate available to you. • For Business or ATO Debt: Your home loan rate will likely increase because we move you to a non-bank lender, but only initially. I can also talk to your accountant here, to see if they would prefer a separate INV loan. Why accept a higher rate? Even with a higher rate, your monthly repayments will go down. Think about: your car loan or ATO debt is a very short term loan with high rates. Consolidated into your home loan, it’s a very long term loan at low rates. Simply stretching out the loan term can more than half your repayments. The Strategy: We cut your monthly repayments now, then move you onto a prime rate after 12 months of perfect repayments, and finally move you back to a prime bank lender when it’s feasible. Get Started: Give me a call and let’s have a free consultation. I’ll show you how we can reduce your multiple loans into one lower easy repayment. I’m Matthew Stack, a mortgage broker, here to help you get back on track. #debtconsolidation #debtconsolidationrefinance #consolidatedebt #personalfinance #budgeting #atodebt #businessdebt

Ifyou’re juggling multiple repayments on car loans, credit cards, personal loans, boat loans, business debt and especially ATO debt - this video is for you. As a mortgage broker, I can help lower your monthly repayments, sometimes more than half.  It’s not magic, it’s simple maths, so keep watching & I show you a recent example of a real-life client, that we just got approved.    Dave and Lori had an accountant that was very slow lodging their trust tax returns.  His estimation of what they would owe the ATO was grossly underquoted, which left them with three separate ATO payments, one for each of the personally, and one for the trust. They have two young kids. No savings left. And every month felt like a losing battle. Here’s what they were paying before: Home loan: $3,310/month Three ATO payments totalling: $4,340/month @ 11% $50,000 credit cards: $1,900/month $90,000 car loan: $1,800/month Total? $1#1,350 every month. So here’s what we did: We took their home loan, car loan, all 3 ATO debts and both credit cards, and rolled everything into one simple repayment. Their new monthly repayment? $4,376. More than halved their monthly repayments.  They went from struggling, to easily being about to cover their minimum repayments.   To speak with me about how we can help you consolidate all your debt into one lower monthly repayment (at home loan rates) give me a call. Matthew Stack 0423 237 242 matthew.stack@loanmarket.com.au Loan Market Franchisee #budgeting #personalfinance #debtconsolidation #consolidation #refinance

A first home buyer's first chat with me (mortgage broker). For a free discussion about the preapproval process call me 0423 237 242. If you'd prefer an online fact find to complete, then DM Or SMS you full name, email and mobile. I'll then send you the link. Loan market matthew stack 0423 237 242 #firsthomebuyer #firsthomeguarantee #budgeting #personalfinance #investing

Consolidate your car loans, credit cards, ATO debt all into your home loan at home loan rates. Instead of juggling 5 loans, reduce your monthly repayments by consolidating into your home loan. Let's talk through your options of giving you back some breathing room. Loan market matthew stack 0423 237 242 #loanmarket #debtconsolidation #atodebt

Here’s what you’d need to buy this $1.45M warehouse in Smithfield, Sydney Let’s break it down. This 232 sqm warehouse is vacant possession — ready for a business owner to move in and make it their own. If you’re running your own operation and you’re sick of paying someone else’s mortgage, here’s what the numbers look like: 💰 Stamp Duty: $62,000 💰 GST (Vacant): $145,000 💰 Deposit (20%): $290,000 💰 Valuation + Conveyancer: $4,000 🏦 Monthly repayments: around $7,700 ✅ You’d need roughly $501k in cash or equity to buy it. And here’s the kicker — older warehouses in the same area are renting for about $48k NET per year. That means you’re paying that much to someone else right now… for a building that’s probably not even as nice.  And here’s the thing — just like home loans, you can use equity from your other properties to cover the deposit and stamp duty. For example, lenders like ANZ will often lend up to 100% secured against your home. And what about that GST bill? We can often get it funded upfront through a short-term overdraft, then paid back once your BAS rebate hits. So if you’ve been thinking about buying your own commercial space instead of renting — let’s crunch the numbers and get you one step closer to owning your own premises. No documents needed for the first chat — we’ll work off ballpark figures, and if you’re in the zone, I’ll tell what I’ll need you to provide to assess it properly. To workshop your scenario, DM “commercial” or just give me a ring while you’re driving between jobs. #realestate #commercialrealestate #mortgagebroker #coutts #investing

Use you home equity to buy an investment property. DM "equity" and I'll map out your full strategy on how the loans will work, borrowing capacity, lender comparisons and rates. If you don't have a good accountant, I can introduce you to a good one. #investmentproperty #equityloan #mortgagebroker #borrowingcapacity

Your first home loan strategy. Fully mapped. Free. DM "First home" or simply message me a good time to give you a call. Let me mapped out your borrowing capacity, First home buyer eligibility, stamp duty exemptions, and the right lenders for you. You take the information and do whatever you like with it. We can create your preapproval application too. We don't push and there is no obligation. So text me a good time to call you, and lets get started! Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #firsthomebuyer #5%deposit #mortgagebroker #preapproval #fhg #loanmarket

SELF EMPLOYED HOME LOANS you're good at what you do. I'm good at what I do. So stop guessing, book an appointment, and I'll show you how to make the most of your situation. Low doc Full doc prime #mortgagebroker #selfemployed #Self-Employedhomeloan #businesswoman #homeloan #lowdoc #borrowingcapacity

Changes rto residential zoning rules could be the key for house price relief! #housingcrash #affordabilitycrisis #houeprices #zoning #construction

That commercial property you just found to grow your business won’t wait. Banks are slow, paperwork is endless, and every day you hesitate, someone else who’s organised is beating you to the deal. Don’t get left behind. My job is to make commercial property finance simple. Low-doc or standard, I handle the lenders, the paperwork, and get you approved quicker than you could do yourself. In a free strategy session, we’ll figure your borrowing power, the right lender, and what you’ll need to kick in to secure the finance. Hand over the work to me; and let’s get started. Give me a call or book an appointment. Matthew Stack, Director & Senior broker, JP Calendar: Book in a meeting Mobile: 0423 237 242 Address: 5/202 Milperra Road, Milperra NSW 2214 #commercialproperty #commercialfinance #mortgagebroker #preapproval #commercialleasedoc

Let me show you how close you are to buying your first home! Book an appointment and let's go through your eligibility for first home buyer schemes, stamp duty exemptions, or let's make a plan on how to get it done. Let's get stated! Loan market matthew stack 0423 237 242 matthew.stack@loanmarket.com.au #mortgagebroker #loanmarket #firsthomebuyer #borrowingcapacity #preapproval

Just goanna wait until your business financials are complete? You're missing out. Property prices are rising. Don't wait for perfect. Just get started. We can refinance down the track back to prime. Book a free call with me and I'll show you how. Matthew Stack mortgage broker 0423 237 242 #lowdoc #altdoc #homeloan #selfemployed #tradie #preapproval #mortgagebroker

Let's take the time to discuss your property investment goals, and then show you the borrowing capacity within your smsf to make that happen. I'm Matthew Stack, a Loan Market broker/ franchisee. Book a free call to discuss how we can make your smsf property goals happen. We are pad by the lenderyou choose, not you. Matthew Stack 0423 237 242 https://calendly.com/matthew-stack-g7e/15mins #smsf #borrowingcapacity #mortgagebroker #investmentproperty #homeloan

Is Australia’s housing market turning Subprime? Australia's housing market is showing signs of turning "subprime," according to APRA, who warns LVRs above 90% significantly increase the risk of loss for a lender. We seem to be drawing parallels to the GFC. While that involved subprime debt repackaged as CDOs, here, the government itself is insuring these higher-risk loans through the First Home Guarantee scheme. Yep, that’s backed by the taxpayer. Even though I write these 5% deposit loans, I emphasize extra repayments and ensure first home buyers understand how repayments will look when interest rates finally rise. We're currently at the top of the inflation band, so can we really expect more rate cuts? If we get more rate cuts, it’s because our economy has turned pretty sour. So use this time to build resiliency into your home loan – and make extra repayments where you can. If you'd like my support on your home buying journey or want to consolidate debt to ease repayments, please book a call in my diary, or simply give me a call. Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au #firsthomebuyer #preapproval #borrowingcapacity #propertymarketcrash #apra #homeloan #interestrates #fhg #5%deposit

90% LMI home loan waiver If you'd like me to support your hone buying journey, book a call in my calendar (link in the bio) or give me a call.. Matthew 0423 237 243 #homeloanwaiver #lmiwaier #lmi #lendersmortgageinsurance #preapproval #mortgagebroker #loanmarket

What should you do if you have a mortgage? Should you fix for 2 years? To discuss fixed interest rates and what your repayments would look like, book a call in my calendar (link in my bio), or simply give me a ring. Matthew 0423 237 243 #loanmarket #rba #fixed rate #homeloan #preapproval #borrowingcapacity #mortgagebroker

For my help in securing your next home purchase, click the link in my bio and book a call back. Or simply give me a ring. Loan market matthew stack #homeloan #preapproval #howmuchcaniborrow #mortgagebroker #preapproval #firsthomeguarantee #mortgagecalculator #propertyinsydney #loanmarket #interestrates #homeloanrefinance #smsf #homeloanscompare #homeloanbroker #homeloanfirathomebuyer #honeloanaustralia #homeloansaustraluacomparison

Landlords are now required to allow renters up to 4 pets into their investment property. #nswpetreform #mortgagebroker #sydneypropertymarket #homeloan #howmuchcaniborrow #preapproval #1sthomebuyer #smaf #smsfloan #loanmarket

Buying off the plan?   Here’s why you should use a deposit bond.   When you commit to buying off-the-plan, a common concern is what happens if the builder goes bust before your property is complete?   This is where a deposit bond can protect you.  Instead of tying up your cash directly with the builder, a deposit bond acts as a guarantee, giving you a layer of security throughout the construction phase. It can cost as little as 3% per annum. Now compare that to the cost of drawing equity from an existing property, which could be around 5.7%.  Even taking it from savings is more than 3% in opportunity cost. Building a portfolio? You can secure your place in several properties without committing large sums of cash to each one. It's about expanding your reach with minimal upfront cost. As your broker, I can get you a quote within a few hours, and the approval within a day. For me to support your off-the-plan purchase journey, click the link in my bio and book a call in my calendar. Or simply give me a ring.   Matthew 0423 237 242 #loanmarket #depositbond #mortgagebroker #offtheplan

How much would you need to be making to buy a $1,750,000 home? Now this property is no good for the first home guarantee scheme as it breaches the price cap of $1.5m.  So, in this example, we’re going to assume that you’re using a 20% deposit, meaning you’re looking for a home loan approval of $1,400,000. To calculate this, the bank is going to look at your income versus your living expenses + liabilities. So, with living expenses of around $4 grand per month and no other debts like credit cards, car loans, or HEC’s, then you’d need a gross income of $270 grand per year.  But let’s say you have $15 grand limits on your credit cards & an $800 per month car loan, then you’ll need to be earning $300,000 per year.  Now let’s add 3 kids to the mix and you’re looking at over $330 grand per year.  It really does depend on your situation. Now this could be a single income or a joint income. For me to support you in your home buying journey, completely free of charge, book a call back (the link is in my bio) or simply give me a call. Matthew 0423 237 243   #loanmarket #mortgagebroker #borrowingcapacity #whatsalarydoIneedforamortgage #homeloanscompare #homeloanbroker #homeloansrefinance #homeloanfirsthomebuyer #homeloanAustralia #homeloanbeyondbank

For my help to organise preapproval finance for your commercial property purchase, book a call in my calendar (link in my bio) or give me a call. Loan market matthew stack 0423 237 242 #loanmarket #commercialpropertyloan #commercialloan #commercialfinance #commercialrealestate

If your business financials aren't complete, we can look at low document loan. This requires an accountant declaration of your income or 2 BAS. For me to help with your commercial property purchase, book a call in my calendar (link in bio) or simply give me a call. Loan market matthew stack 0423 237 242 #commercialrealestate #commercialfinance #commercialpropertyloan #loanmarket #mortgagebroker

For me to support your hone buying journey, book a call back in my calendar. Link found in bio. Or simply give me a ring. Loan market matthew stack 0423 237 242 #loanmarket #mortgagebroker #milperra #hmeloan

How much you'd need to buy this $1,295,000 warehouse in Moorebank, Sydney   This 171 sqm warehouse + 54 sqm office is vacant possession. Checking rental comparisons, there’s a 2260 sqm on Kaleski Street for $52k Net PA, so we’ll use that for our figures.   Owner Occupier: Stamp duty: $53,500 GST : $129,500 (Vacant) 20% Deposit: $259,000 Val + Conveyancer: $4,000 Monthly repayments @ 7% = $6,900 You need $446k to buy this warehouse.   Investor (BIG 4 bank): 35% deposit: $453,250 (standard industrial) Loan term would equal the lease term.  At a big 4 bank, as an investor loan, you’ll usually need an ICR of 1.5 times.  That means this scenario won’t work on rent alone as a leas doc (at 65% LVR), you’ll need to have a bigger deposit or incorporate business income to get this across the line.  To arrange preapproval finance or check your current commercial rate for a refinance, click the link in my bio and book a call-back in my calendar, or simply give me a ring. https://calendly.com/matthew-stack-g7e/15mins Mortgage Broker:      Matthew Stack 0423 237 242 #realestate #commercialrealestate #mortgagebroker #commercialproperty #investing

How much you'd need to buy this $1,290,000 warehouse in Penrith, Sydney (as an owner occupier).   This 200 sqm warehouse + 80 sqm mezzanine is vacant possession. Checking rental comparisons, there’s a 187 sqm for $50k Net PA.  However, probably better to just give Liz Prasad from R&H Commercial a call to discuss the rent.   Owner Occupier: Stamp duty: $53,300 GST : $129,000 (Vacant) 20% Deposit: $258,000 Val + Conveyancer: $4,000 Monthly repayments @ 7% = $6,865 You need $444,300k to buy this warehouse.   Investor (BIG 4 bank): Stamp duty , GST, val & conveyancer is the same: $186,300 35% deposit: 451,500 (standard industrial) Loan term would equal the lease term.  This means a ‘loan review’ needs to take place at expiry, it’s not like a 30-year owner occupier term (unless you use a non-bank lender). If only using lease income for debt servicing, it must meet an Interest Cover Ratio (ICR) of 1.5 times.  For this warehouse the estimated rent is $50,000 NET, and the annual repayments of a 65% loan at 7% is $66,936, so it doesn’t work at this LVR.  This is ok, we can incorporate your business financials or PAYG income to get this across the line.  To arrange preapproval finance or check your current commercial rate for a refinance, click the link in my bio and book a call-back in my calendar, or simply give me a ring. https://calendly.com/matthew-stack-g7e/15mins Mortgage Broker:      Matthew Stack 0423 237 242 #realestate #commercialrealestate #mortgagebroker #coutts #investing

If you'd like help working out your borrowing capacity for your next commercial property loan, click the link on my bio and book in a call back, or simply give me a ring. Loan market matthew stack 0423 237 242 #commercialrealestate #commercialfinance #commercialproperty #mortgagebroker

If you'd like to review your SMSF rate for refinance or to arrange preapproval finance, then click the link in my bio and book a call back, or simply give me a ring (I don't bite). Loan market matthew stack 0423 237 242 #mortgagebroker #smsf #smsfloan #investmentloan #loanmarket

These are the 3 cheapest interest rates on my lender panel for loans less than 60% LVR. If you want to check your current rate for a refinance, or arrange preapproval finance, then click the link in my bio and book a call, or simply give me a ring and we'll crush it out. Loan market matthew stack 0423 237 242 #mortgagebroker #interest rates #homeloan

Want to know your borrowing capacity and lender comparisons? 1. Click the link in my bio. 2. Fill out the online fact find. 3. I'll come back to you with borrowing capacity and lender comparison. #homeloan #loanmarket #preapproval #borrowingcapacity

Are you looking for help with your home loan or refinance? 1. Click the link in my bio. 2. Fill out the online fact find. 3. I'll research your borrowing capacity and lender comparisons. #preapproval #homeloan #mortgagebroker #lenders #refinance #smsf

For refinance help, 1. Click the link in my bio. 2. Fill out the online fact find. 3. I'll research some comparisons for you. #refinance #homeloan #mortgagebroker

1. Click the website link in my bio. 2. Fill out the online fact find. 3. I'll research your borrowing capacity and lender comparisons. Free of charge, I'm paid by the lender you choose. #firsthomebuyer #firsthomeguarantee #homeloan #Bankstown

If you'd like me to show you lender rate comparisons interest market, fill out the online fact find link in my bio and I'll research your options then email them to you. Matthew.stack@loanmarket.com.au 0423 237 242 #refinance #compoundinterest #homeloan #interestrates

If you've already been quoted commercial rates and fees, send me the quote and I'll see if I can beat it for you. Matthew.stack@loanmarket.com.au 0423 237 242 #commercialrealestate #commercialfinance #commercialproperty #cbre #coutts #prdcommercial

If you've already been quoted commercial rates and fees, send me the quote and I'll see if I can beat it. Matthew.stack@loanmarket.com.au 0423 237 242 #commercialrealestate #commercialfinance #commercialproperty

If youve been quoted dealer finance, email me the quote and I'll see if I can beat it. Matthew.stack@loanmarket.com.au 0423 237 242 #carload #assetfinance #car finance #fordrangef

If you've already been quoted commercial rates and fees, send me your quote and I'll see if I can beat it for you. Matthew.stack@loanmarket.com.au 0423 237 242 #commercialrealestate #realestate #commercialfinance #industrialproperties

How much you'd need to buy this $1,475,000 warehouse in Penrith, Sydney   Want to arrange preapproval finance? 1.    Click the link in my bio. 2.    Fill out the online fact find. 3.    I’ll come back to you with your lender options & borrowing capacity.   This 284 sqm warehouse is tenanted until January 2026. Which makes it perfect for owner occupiers.  Other similar properties in the area rent for around $48,000 Net PA.   Let’s go through the numbers: Stamp duty: $63,000 GST : $0 (Tenanted) 20% Deposit: $295,000 Val + Conveyancer: $4,000 Monthly repayments @ 7% = $7,500 You need $362k to buy this warehouse.   Listing: https://www.realcommercial.com.au/for-sale/property-unit-5-14-16-penrith-street-penrith-nsw-2750-504984768 Realtor:  Coutts | James Bendell 0411 240 880 Mortgage Broker:      Matthew Stack 0423 237 242 #realestate #commercialrealestate #mortgagebroker #coutts #investing

Want to consolidate some debts? 1. Click the link. 2. Fill out the online fact find. 3. I'll come back to you lender options & rates. https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #debtconsolidation #refinance #mortgagebroker #loanmarket

#commercialrealestate

How much you'd need to buy this $725,000 warehouse in Seven Hills, West Sydney This 83 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $725,000 Stamp duty: $27,000 GST : $72,500 (vacant possession) 20% Deposit: $145,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 6.5% = $3,600 All up you'll need $248,500 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: https://www.realcommercial.com.au/for-sale/property-unit-3-128-station-road-seven-hills-nsw-2147-504955576 Realtor:  Niemeyer | Paul James 0425 303 743 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialrealestate #investment #propertyinvesting #investmentproperty #smallbusiness

How much you'd need to buy this $1.974m warehouse in Arndell Park, West Sydney Copy & Paste this link into your browser. Tell me your debts, assets, income and what you're looking to do. I'll work out your borrowing capacity and come back to you with lender comparisons. Link: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started This 329 sqm warehouse is vacant.  Other similar properties in the area rent for around $69,000 Gross.   Let’s go through the numbers: Stamp duty: $91,000 GST : $197,400 (Tenanted) 20% Deposit: $394,800 Val + Conveyancer: $4,000 You need $596k to buy this warehouse.   Commercial Loan fees (Non-Bank Lender): -         80% rate 8.09% -         Monthly repayments @ 8% = $11,500 -         Risk fee: 0.85% of loan amount - $13,423 -         Legal Fee: $750 -         Discharge fee: $500 -         All up you’re looking at: $14,673 in lender fees.   DM for help arranging your preapproval or refi. Mortgage Broker:      Matthew Stack 0423 237 242 #commercialrealestate #investment #mortgagebroker  #realestate #investing #realestateinvesting #propertyinvesting #investmentproperty #smallbusinesslending

#bridgingloan

1. Click the link. 2. Tell me your income, debts and what you are looking to do. 3. I'll send you borrowing capacity and a solution, complete with lender comparisons and rates. 4. Free service, I'm paid by which ever lender you go with. Link: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #homeloan #smsf #mortgagebroker #commercialloan #commercialproperty

1. Click the link. 2. Tell me your income, debts and what you are looking to do. 3. I'll send you borrowing capacity and a solution, complete with lender comparisons and rates. 4. Free service, I'm paid by which ever lender you go with. Link: https://shorturl.at/34Kym #homeloan #smsf #mortgagebroker #commercialloan #commercialproperty

1. Click the link. 2. Tell me your income, debts and what you are looking to do. 3. I'll send you borrowing capacity and a solution, complete with lender comparisons and rates. 4. Free service, I'm paid by which ever lender you go with. Link: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #homeloan #smsf #mortgagebroker #commercialloan #commercialproperty

1. Click the link. 2. Tell me your income, debts and what you are looking to do. 3. I'll send you borrowing capacity and a solution, complete with lender comparisons and rates. 4. Free service, I'm paid by which ever lender you go with. Link: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #homeloan #smsf #mortgagebroker #commercialloan #commercialproperty

1. Click the link. 2. Tell me your income, debts and what you are looking to do. 3. I'll send you borrowing capacity and a solution, complete with lender comparisons and rates. 4. Free service, I'm paid by which ever lender you go with. Link: https://shorturl.at/34Kym #homeloan #smsf #mortgagebroker #commercialloan #commercialproperty

1. Click the link. 2. Tell me your income, debts and what you are looking to do. 3. I'll send you borrowing capacity and a solution, complete with lender comparisons and rates. 4. Free service, I'm paid by which ever lender you go with. Link: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #homeloan #smsf #mortgagebroker #commercialloan #commercialproperty

1. Click the link. 2. Tell me your income, debts and what you are looking to do. 3. I'll send you borrowing capacity and a solution, complete with lender comparisons and rates. 4. Free service, I'm paid by which ever lender you go with. Link: https://my.loanmarket.com.au/098813f3-056e-4a2f-a22e-3b1407e7efcc#/get-started #homeloan #smsf #mortgagebroker #commercialloan #commercialproperty

How much you'd need to buy this $780,000 warehouse in St Mary’s, West Sydney.   DM or call to arrange preapproval finance before you start property hunting.  It takes a bit longer than standard home loans. This 160 sqm warehouse is vacant. Standard commercial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $780,000 Stamp duty: $29,000 GST : $78,000 (Vacant) 20% Deposit: $156,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $4,150 All up you'll need $276,000 to buy this office. Address: https://www.realcommercial.com.au/for-sale/property-st-marys-nsw-2760-504935612 Realtor:  Infocus | Diego Menendez 0499 333 111 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialrealestate #investment  #realestateinvesting #propertyinvesting

How much you'd need to buy this $495,000 Mixed Use Office in Bankstown, Southwest Sydney   DM or call to arrange preapproval finance before you start property hunting.  It takes a bit longer than standard home loans. This 61 sqm office is vacant. Standard commercial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $495,000 Stamp duty: $17,000 GST : $49,500 (Vacant) 20% Deposit: $99,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $2,600 All up you'll need $169,500 to buy this office. Address: https://www.realcommercial.com.au/for-sale/property-level-suite-32-402-chapel-road-bankstown-nsw-2200-504969040 Realtor:  CPP | Metin Akpinar 0400 660 660 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialrealestate #investment  #realestateinvesting #propertyinvesting

Your SMSF property investment journey starts here. I'm a dedicated smsf finance broker ready to help you purchase property with your super. Or perhaps you're looking for a cheaper interest rate? If you've had your smsf loan long for 3 years, chances are I can show you options that will save you significantly. You wouldn't leave your home loan unchecked. SMSF loans are no different, and need to be checked every few years. Did you know some lenders have offset accounts? Your cash balance could be sitting against your loan and saving you a lot of money. So give me a call and I'll outline your options over a 15 minute educational chat. There's no pushy sales here. I'm Matthew Stack, a dedicated SMSF loan broker, here to help. Loan Market Matthew Stack 0423 237 242 Matthew.stack@loanmarket.com.au #smsf #smsfloan #superannuation #financebroker

How much you'd need to buy this $1,525,000 warehouse in Moorebank, Southwest Sydney   DM or call to arrange preapproval finance before you start property hunting.  It takes a bit longer than standard home loans. The price on this 274 sqm warehouse has just been reduced.  It’s unclear whether it’s tenanted.  Standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $1,525,000 Stamp duty: $66,000 GST : $150,000 (Vacant) 20% Deposit: $305,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $10,100 All up you'll need $525,000 to buy this warehouse. Address: https://www.realcommercial.com.au/for-sale/property-unit-2-10-mitchell-road-moorebank-nsw-2170-504915164 Realtor:  Parkside Commercial | Rino Gazzera 0430 341 220 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialrealestate #investment  #realestateinvesting #propertyinvesting

SMSF commercial loans, Left unchecked, Can cost you hundreds of thousands over the life of the loan. Ask me for your lender comparisons. There's a good chance we have a loan cheaper. And with offset for your smsf loan It's smart to ask. Matthew.stack@loanmarket.com.au 0423 237 242 #smsg #smsfrefinance #smafloan

DM or call to arrange preapproval finance or see your switching comparisons. Matthew.stack@loanmarket.com.au 0423 237 242 #mortgagebroker #realestateinvesting

Broker life: Here's how much you'll need to buy this $630,000 warehouse in Coolum Beach, QLD. This 159 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $630,000 Stamp duty: $23,000 GST : $63,000 (Vacant) 20% Deposit: $126,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $3,350 All up you'll need $216,000 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: https://www.realcommercial.com.au/for-sale/property-unit-3-2-6-focal-avenue-coolum-beach-qld-4573-504781856 Realtor:  RWC Noosa | Tracey Ryan 0421 981 490 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

DM or call to see what other savings you can access. Switching may shave years off your loan and tens of thousands in interest. It's smart to ask. Matthew.stack@loanmarket.com.au 0423 237 242 #propertyinvesting #realestate

Broker life: Here's how much you'll need to buy this $5.5m warehouse in Minchinbury, Sydney. DM or call to arrange preapproval finance. This 1,282 sqm warehouse is vacant.  It's a standard industrial for lending purposes. Outgoings look to be around $43k. At this price point you could borrow up to 70% LVR.   Price Guide: $5,499,950 Stamp duty: $307,000 GST : $550,000 (Vacant) 30% Deposit: $1,650,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $25,600 All up you'll need $2,511,000 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: https://www.realcommercial.com.au/for-sale/property-1-38-40-sterling-road-minchinbury-nsw-2770-504896036 Realtor:  Bawdens | Paul Chidiac 0415 887 566 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

How much you'll need to buy this $1.35m property in Sydney. This house is in Chipping Norton, it’s a 3 bed, 1 bath on 664 sqm of land. This one suits the First Home Guarantee Scheme as it sits under the $1.5m price cap.   Price Guide: $1.35m Stamp duty: $56k (FHB & NHB) Deposit: $67.5k (5% FHB) | $270k (20% NHB) Conveyancer: $2k Repay @ 5.5% = $7.2k (FHB) | $6.1k (NHB) You'll need $125k (FHB) | $328k (NHB). Address: https://www.realestate.com.au/property-house-nsw-chipping+norton-142424936 Realtor:  Maison Bridge | Andrew Oh | 0403 220 368 Mortgage: Matthew.stack@loanmarket.com.au | 0423 237 242 #realestate #realestateinvesting #investing #investment #firsthomeguarantee

Broker life: Here's how much you'll need to buy this $500,000 warehouse in Port Kembla, Wollongong. This 123 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $500,000 Stamp duty: $17,000 GST : $50,000 (Vacant) 20% Deposit: $100,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $2,660 All up you'll need $171,000 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: https://www.realcommercial.com.au/for-sale/property-11-249-shellharbour-road-port-kembla-nsw-2505-504807088 Realtor:  MMJ Commercial Travis Nachan 0447 300 800 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $2.5m warehouse in Frenchs Forest, Sydney. Text or DM a time to call you and arrange your preapproval. matthew.stack@loanmarket.com.au 0423 237 242 Matt This 612 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 70% LVR.   Price Guide: $2,500,000 Stamp duty: $119,000 GST : $250,000 (Vacant) 30% Deposit: $750,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $11,600 All up you'll need $1,123,000 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: https://www.realcommercial.com.au/for-sale/property-3-81-frenchs-forest-road-frenchs-forest-nsw-2086-504945448 Realtor:  Upstate – Northern Beaches Oliver Roasati 0428 877 888 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $495,000 warehouse in Hastings, Vic. Book a call to arrange preapproval https://calendly.com/matthew-stack-g7e/15mins This 180 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $495,000 Stamp duty: $26,000 GST : $49,500 (Vacant) 20% Deposit: $99,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $2,600 All up you'll need $178,500 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: https://www.realcommercial.com.au/for-sale/property-5-1921-frankston-flinders-road-hastings-vic-3915-504951336 Realtor:  Baywest Real Estate Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Broker life: Can my SMSF buy a commercial property? Yes, and unlike residential property, you can rent it to your own business. You can even buy the commercial property from yourself or your own company. Your own business can even rent it from your SMSF – which is exactly how many business owners buy their own premises.  A great idea to keep your rent steady over the coming years and to actually own an asset at the end. Your accountant is the right resource to understand any stamp duty & capital gains tax that will trigger when you acquire a commercial property from yourself. You must pay the market value of the property, and you must use a registered valuer to determine that value.  And to stay compliant, you should also pay your SMSF the rent suggested by the valuer, too. DM or call for help with a smsf loan or refinance. Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au   #smsf #smsfaustralia #smsfbroker #mortgagebroker

Here's how much you'll need to buy this $1,200,000 warehouse in Smithfield, Sydney. This 219 sqm warehouse is vacant. It's a standard industrial for lending purposes. At this price point you could borrow 80% LVR.   Price Guide: $1,200,000 Stamp duty: $48,700 GST : $120,000 (vacant) 20% Deposit: $240,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $6,400 All up you'll need $412,700 to buy this warehouse. I’m Matthew Stack, a finance broker.  DM to work through your lending scenario. Address: https://www.realcommercial.com.au/for-sale/property-smithfield-nsw-2164-504954388 Realtor:  Wetherill Park Industrial RE | Anthony Sergi 02 9725 3355 Finance Broker:      Matthew Stack 0423 237 242 #financebroker #commercialrealestate #investment

#mortgagebroker DM or call to talk through your scenario. -smsf -commercial -first home buyer

Broker life: Here's how much you'll need to buy this $4.1m warehouse in Hallam, Vic. This 1,334 sqm warehouse is leased for $200,000 PA Net.  It's a standard industrial for lending purposes. At this price point you could borrow up to 70% LVR.   Price Guide: $4,100,000 Stamp duty: $250,000 GST : $0 (current lease) 30% Deposit: $1,230,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $19,094 All up you'll need $1,484,000 to buy this warehouse. I’m Matthew Stack, a finance broker.  DM to work through your lending scenario. Address: https://www.realcommercial.com.au/for-sale/property-13-technology-circuit-hallam-vic-3803-504910568 Realtor:  Cameron real estate | Angus Clark 0411 314 106 Finance Broker:      Matthew Stack 0423 237 242 #financebroker #commercialrealestate #investment

Broker life: Here's how much you'll need to buy this $935,000 warehouse in Port Kembla, Wollongong. This 199 sqm warehouse is leased until November for $40,440 PA Net.  There’s no option to renew.  It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $935,000 Stamp duty: $36,000 GST : $93,500 (current lease) 20% Deposit: $187,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $4,976 All up you'll need $320,500 to buy this warehouse. I’m Matthew Stack, a finance broker.  DM to work through your lending scenario. Address: https://www.realcommercial.com.au/for-sale/property-4-41-47-five-islands-road-port-kembla-nsw-2505-504948924 Realtor:  MMJ Commercial | Michael Farina 0421 522 713 Finance Broker:      Matthew Stack 0423 237 242 #financebroker #commercialrealestate #investment

Broker life: Here's how much you'll need to buy this $565,000 warehouse in Horsham, Vic. Stage 1 of a new development.  This 210 sqm warehouse is vacant. Realtor rental estimates at 7-8% NET return. It's a standard industrial for lending purposes. At this price point you could borrow 80% LVR.   Price Guide: $565,000 Stamp duty: $30,500 GST : $56,500 (vacant) 20% Deposit: $113,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $3,000 All up you'll need $204,000 to buy this warehouse. I’m Matthew Stack, a finance broker.  DM to work through your lending scenario. Address: Unit 10 / 4 Hanson Street, Horsham Vic 3400 Developer:  Geoff Taylor 0481 558 599                           www.tayloredcorp.com.au Finance Broker:      Matthew Stack 0423 237 242 #financebroker #commercialrealestate #investment #tayloredcorp #geofftaylor

Broker life: Can my SMSF buy a vacant block of land? Yes, but not from yourself, a relative, associated company. However, you can’t rezone or build on the land until the loan is paid out and the property title is transferred from the bare trust to the SMSF. If you’re looking to make a move like this, make sure you have a good accountant or SMSF adviser, or you may find yourself in hot water with a situation like this.  Reach out if you need a recommendation. DM or call to get your smsf loan in place. Matthew Stack 0423 237 242 #smsf #smsfaustralia #mortgagebroker #smsfcommercial

Broker life: Can I live in the SMSF property just while I renovate it? A client wanted to buy a property with his SMSF and live there while he made some cosmetic renovations. The whole process was to take roughly 6 months. The answer is no; you cannot live in it. You also can’t rent it to a relative. It can only ever be an investment property. If you later decide to live in the property, it must be removed from the SMSF. To remove it from the fund, you can purchase it from the fund, or if you qualify to access your superannuation benefits, as a lump sum benefit payment to you. So, there you go; always ask your accountant before you make these moves.  I'm Matthew Stack, a mortgage broker, DM or call for a preapproval appointment. Matthew 0423 237 242 #smsf #smsfloan #smsfaustralia #smsfbroker

Broker life: Real costs of a SMSF commercial property loan? Jake runs a car yard in Blacktown. He buys some of the local traded-in vehicles from the other car yards, and then on sells them to the public. We got him a commercial SMSF loan to purchase his first car yard for $1.1m. - 40% Deposit: $440,000 - GST: $0 (lease with his own business) - Stamp duty: $44,000 A 40% deposit gave him a good rate of 7.15%. But his final rate is affected by something called the debt service cover ratio (or how easy it is for rent + super contributions to meet his repayments), which in Jakes case was quite low. 40 basis points was loaded on top of his indicative rate, giving him a final rate of 7.55%. Establishment fee: 1% of loan amount, $6,600 Application fees: $800 Doc preparation fee: $700 Settlement fee: $600 SMSF review fee $700 Valuation fee: $2,000 Total fees: $11,400 I’m Matthew Stack, a mortgage broker in the SMSF space. Reach out if need help understanding the rates and lender fees applicable to your loan.

Broker Life: here's how much you'll need to buy this $3m warehouse in Wolli Creek, Sydney. This 404 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 70% LVR.   Price Guide: $3,000,000 Stamp duty: $147,000 GST : $300,000 (Vacant) 30% Deposit: $900,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $12,109 All up you'll need $1,351,000 to buy this warehouse. I’m Matthew Stack, a mortgage broker, contact details are in my bio. Address: https://www.realcommercial.com.au/for-sale/property-3-argyle-street-wolli-creek-nsw-2205-504919600 Realtor:  R&H Commercial Inner West | Ben Ayers 0404 097 094 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker

Broker life: Deposit for a Commercial property SMSF? Khahil reached out to me on Linkedin, looking to buy a warehouse for his cleaning business.  He owns 50% of the business with his brother, and they both want to set up a unit trust to combine their SMSF cash balances to buy the property in Penrith. Here’s what it will look like: -         Purchase Price: $950,000 -         Stamp Duty: $37,500 -         25% deposit: $237,500 -         GST: $0 (lease in place with their own cleaning business) -         Loan Amount: $712,500 Here’s what no one will tell you: -         Commercial SMSF rates are affected by the Debt Service Cover Ratio, or the ease in which the rent + super contributions meet the monthly repayments.  For Khahil and his brother, a smaller deposit meant a much higher rate.  But if we use all of the cash in their combined SMSF, this increaseds the debt cover ratio giving them a far cheaper rate. I’m Matthew Stack, a mortgage broker in the SMSF space, reach out for help with your borrowing capacity and preapproval. #smsf #smsfloan #smsfcommercial

Broker life: here's how much you'll need to buy this $525,000 warehouse in Belmore, Sydney. This 74 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $525,000 Stamp duty: $18,000 GST : $52,500 (Vacant) 20% Deposit: $105,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $2,422 All up you'll need $179,500 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: https://www.realcommercial.com.au/for-sale/property-9-42-harp-street-belmore-nsw-2192-504954648 Realtor:  CPG South West | Ben Panayotopoulos 0430 140 683 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker

Broker life: here's how much you'll need to buy this $385,000 warehouse in Morisett, NSW. This 81 sqm warehouse is vacant.  $20k NET estimated rent. It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $385,000 Stamp duty: $12,000 GST : $38,500 (vacant) 20% Deposit: $77,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $2,050 All up you'll need $131,500 to buy this warehouse. I’m Matthew Stack, a mortgage broker, contact details in my bio. Address: https://www.realcommercial.com.au/for-sale/property-17-14-kam-close-morisset-nsw-2264-504954720 Realtor:  My Space Industrial Agents | Arthur Mihail 0499 767 745 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate  #mortgagebroker

Here's how much you'll need to buy this $775,000 warehouse in Queanbeyan, NSW. This 222 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $775,000 Stamp duty: $29,000 GST : $77,500 (Vacant) 20% Deposit: $155,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $4,124 All up you'll need $265,500 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: 1A Shropshire Street, Queanbeyan East, NSW 2620 Realtor:  LJ Hooker Queanbeyan | Peter Stumbles 0418 630 002 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $1,380,000 warehouse in Tweed Heads, NSW. This 239 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 80% LVR.   Price Guide: $1,380,000 Stamp duty: $58,000 GST : $138,000 (Vacant) 20% Deposit: $276,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $7,345 All up you'll need $476,000 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: 7/6 Enterprise Avenue, Tweed Heads South, NSW 2486 Realtor: Wilson’s Real Estate 0407 230 395                 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $4,500,000 warehouse in Terry Hills, Sydney. This 633 sqm warehouse is vacant.  It's a standard industrial for lending purposes. At this price point you could borrow up to 70% LVR.   Price Guide: $4,500,000 Stamp duty: $237,000 GST : $450,000 (Vacant) 30% Deposit: $1,350,000 Valuation: $2,500 Conveyancer: $2,000 Monthly repayments @ 7% = $20,957 All up you'll need $2,041,500 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: 19 Tepko Road, Terrey Hills, NSW 2084 Realtor: CBRE Sydney North                  Angus Beevers 0431 744 830 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker

Set and forget doesn't work. Run the numbers regularly. #smsf

DM or call or eligibility and comparisons. Matthew Stack 0423 237 242 #smsf

Here's how much you'll need to buy this $8,995,000 warehouse in Smithfield, Sydney. This 1734 sqm warehouse sits on 3255 sqm of land.  Current tenant is vacating.  It's a standard industrial for lending purposes. At this price point you could look to borrow up to 70% LVR.   Price Guide: $8,995,000 Stamp duty: $552,000 GST : It’s unclear to me. Depends on if there’s a tenant. 30% Deposit: $2,698,500 Valuation: $2,500 Conveyancer: $2,000 Monthly repayments @ 7% = $41,890 All up you'll need $3,255,000 to buy this warehouse.  This will increase if you need to come up with GST. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: 163 Woodpark Road, Smithfield, NSW 2164 Realtor:  Parkside Commercial Realty. Aymen Sobbi 0439 048 035 Mortgage Broker:      Matthew Stack 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #commercialrealestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Client scenario: this cafe owner wants to buy a mixed use commercial property. He will use a low doc loan to complete the purchase. #commercialpropertyloan #lowdocloan #mortgagebroker

Client scenario: smsf refi Why it was not in the best interests of this client to refinance to a cheaper interest rate. #smsf #smsfrefinance

Here's how much you'll need to buy this $1,785,000 warehouse in Smithfield, Sydney. This 225 sqm warehouse is vacant. It's a standard industrial for lending purposes.  At this price point, you could look to borrow up to 80% LVR. Price Guide: $1,785,000 Stamp duty: $80,500 GST : $178,500 (vacant) 20% Deposit: $357,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $9,500 All up you'll need $798,500 to buy this warehouse. I’m Matthew Stack, a mortgage broker, DM or call to organise your preapproval. Address: 11/40-42 Pavesi Street, Smithfield Realtor: Parkside Commercial Real Estate                   Kamyar Shirini 0488 996 729                    Aymen Sobbi 0439 048 035 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment

Here's how much you'll need to buy this $649,000 warehouse in Morisset, NSW. This warehouse is vacant. It's a standard industrial for lending purposes. You can look to borrow 80% LVR. Price Guide: $649,000 Stamp duty: $24,000 GST : $64,900 (Vacant) 20% Deposit: $129,800 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $3,454 All up you'll need $222,700 to buy this warehouse. Warehouse: 157 sqm Office: 143 sqm Address: 1/16 Accolade Avenue, Morisset, NSW 2264   Realtor: Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $875k warehouse in Kincumber, NSW. This warehouse is tenanted for $28,800 PA + Outgoings. It's a standard industrial for lending purposes.  You can borrow up to 80% LVR. Price Guide: $875,000 Stamp duty: $34,000 GST : $0 (tenanted) 20% Deposit: $175,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $4,657 All up you'll need $213,00 to buy this warehouse. Address: 3/11-13 Cochrone Street, Kincumber, NSW 2251 Realtor: RWC Central Coast                   Brad Rogers 0459 921 122 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness #commercialrealestate

Here's how much you'll need to buy this $875k warehouse in Kincumber, NSW. This warehouse is tenanted for $28,800 PA + Outgoings. It's a standard industrial for lending purposes.  You can borrow up to 80% LVR. Price Guide: $875,000 Stamp duty: $34,000 GST : $0 (tenanted) 20% Deposit: $175,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $4,657 All up you'll need $213,00 to buy this warehouse. Address: 3/11-13 Cochrone Street, Kincumber, NSW 2251 Realtor: RWC Central Coast                   Brad Rogers 0459 921 122 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness #commercialrealestate

Here's how much you'll need to buy this $3m warehouse show room in Hornsby, Sydney. This one’s a bit different – it’s a showroom with a storage facility. It’s currently vacant. I think this one would be a specialised property for lending purposes. I’d be looking at a 65% loan for this one, however some lenders may go higher depending on how they class the property. Price Guide: $3,000,000 (price reduction) Stamp duty: $147,000 GST : $300,000 (vacant) 35% Deposit: $1,050,000 Valuation: $2,500 Conveyancer: $2,000 Monthly repayments @ 7.5% = $13,634 All up you'll need $1,501,500 to buy this warehouse. Address: 322 Peats Ferry Road, Hornsby, NSW 2077 Realtor: Sutton Anderson – Crows Nest Brad Sutton 0433 246 246 Mortgage Broker: matthew.stack@loanmarket.com.au 0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $3m warehouse show room in Hornsby, Sydney. This one’s a bit different – it’s a showroom with a storage facility.  It’s currently vacant.  I think this one would be a specialised property for lending purposes.  I’d be looking at a 65% loan for this one, however some lenders may go higher depending on how they class the property.   Price Guide: $3,000,000 (price reduction) Stamp duty: $147,000 GST : $300,000 (vacant) 35% Deposit: $1,050,000 Valuation: $2,500 Conveyancer: $2,000 Monthly repayments @ 7.5% = $13,634 All up you'll need $1,501,500 to buy this warehouse. Address: 322 Peats Ferry Road, Hornsby, NSW 2077 Realtor:  Sutton Anderson – Crows Nest                    Brad Sutton 0433 246 246 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $310k Storage Shed in Belrose, Sydney. This storage shed is vacant.  It comes under specialised lending.  You could look to borrow 70% with many lenders.  We do have a lender that will go 80% on these, too. Price Guide: $310,00 Stamp duty: $9,300 GST : $31,000 (vacant) 30% Deposit: $93,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7.5% = $1,517 All up you'll need $137,300 to buy this warehouse. Address: 46/8 Narabang Way, Belrose, NSW 2085 Realtor: Bridge Real Estate, Brookvale                   Narelle Atack 0419 396 788                   Andrew Holland 0423 314 862 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $310k Storage Shed in Belrose, Sydney. This storage shed is vacant.  It comes under specialised lending.  You could look to borrow 70% with many lenders.  We do have a lender that will go 80% on these, too. Price Guide: $310,00 Stamp duty: $9,300 GST : $31,000 (vacant) 30% Deposit: $93,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7.5% = $1,517 All up you'll need $137,300 to buy this warehouse. Address: 46/8 Narabang Way, Belrose, NSW 2085 Realtor: Bridge Real Estate, Brookvale                   Narelle Atack 0419 396 788                   Andrew Holland 0423 314 862 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $2.05m warehouse in Castle Hill, Sydney. This warehouse is vacant. It's a standard industrial for lending purposes.  You could look to borrow 70% of the purchase price. Price Guide: $2,050,000 Stamp duty: $95,000 GST : $205,000 (vacant) 30% Deposit: $615,000 Valuation: $2,500 Conveyancer: $2,000 Monthly repayments @ 7% = $9,547 All up you'll need $919,500 to buy this warehouse. Address: 37/8 Victoria Avenue, Castle Hill, NSW 2154 Realtor: Norwest Commercial & Industrial                  Erin McNamara 0411 277 999                 Brett Beazley 0414 276 162 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $2.05m warehouse in Castle Hill, Sydney. This warehouse is vacant. It's a standard industrial for lending purposes.  You could look to borrow 70% of the purchase price. Price Guide: $2,050,000 Stamp duty: $95,000 GST : $205,000 (vacant) 30% Deposit: $615,000 Valuation: $2,500 Conveyancer: $2,000 Monthly repayments @ 7% = $9,547 All up you'll need $919,500 to buy this warehouse. Address: 37/8 Victoria Avenue, Castle Hill, NSW 2154 Realtor: Norwest Commercial & Industrial                  Erin McNamara 0411 277 999                 Brett Beazley 0414 276 162 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

A soft decline means we assessed the file without touching the clients Equifax credit file. #commercialrealestateinvesting #commercialrealestate #commercialproperty

#smsf #smsfrefinance

#commercialfinance #commercialrealstate

#smsf #commercialrealestate

Here's how much you'll need to buy this $8,100,000 warehouse in Artarmon, Sydney. There doesn’t seem to be a lease in place.  It's a standard industrial for lending purposes.  At this price point you could borrow 70%. Price Guide: $8,100,000 Stamp duty: $489,000 GST : $81,000 (unless leased) 30% Deposit: $2,430,000 Valuation: $2,500 Conveyancer: $2,000 Monthly repayments @ 7% = $37,722 All up you'll need $3,004,500 to buy this warehouse. Let me know in the comments which property to break down next. Address: 16-18 Waltham Street, Artarmon, NSW 2064 Realtor: TGC Sydney                    Paul Hunter 0412 764 682                    John Romyn 0414 183 712 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

To arrange SMSF loan preapproval, DM or call Matt 0423 237 242 Ready to grow your wealth with an SMSF property investment? 🏡 I specialize in SMSF lending and can help you find the right solution. Contact me today for a personalized consultation! #SMSFBroker #InvestmentProperty #FinancialPlanning #GetStarted #smsf #selfmanagedsuperfund #selfmangedsuperfunds #superannuation

If you'd like to see if you qualify for a simple switch to a cheaper commercial loan, give me a ring. Doesn't matter if you went to a non bank as a low doc. 12 months loan statements + application form. Must have clean credit Matthew Stack mortgage broker 0423 237 242 #commercialproperty #commercialrealestate #commercialrefinance #commercialinvestor#mortgagebroker #investor

Here's how much you'll need to buy this $1,650,000 warehouse in Yallah, Wollongong, NSW. This warehouse is vacant.  It's a standard industrial for lending purposes.  You could borrow up to 80%. Price Guide: $1,650,000 Stamp duty: $73,000 GST : $165,000 (no lease) 20% Deposit: $330,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $8,781 All up you'll need $572,000 to buy this warehouse. Let me know in the comments which property to break down next. Address: 5/70 Princes Hwy, Yallah, NSW 2530 Realtor: DNA Commercial 0419 990 604                   Mortgage Broker:      matthew.stack@loanmarket.com.au                                                                                       0423 237 242 #commercialbroker #commercialrealestate #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $1,850,000 warehouse in Kingsgrove, Sydney. This warehouse is vacant. It's a standard industrial for lending purposes. At this price point you could borrow 80%. Offers Above: $1,800,000 Stamp duty: $81,000 GST : $180,000 (unless leased) 20% Deposit: $360,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $9,580 All up you'll need $625,000 to buy this warehouse. Let me know in the comments which property to break down next. Address: Unit 26/2 The Crescent, Kingsgrove, NSW 2208 Realtor: CPG Southern Sydney                   Nathan Gray 0467 947 215                   Ryan McMahon 0429 228 460 Mortgage Broker:      matthew.stack@loanmarket.com.au                                            0423 237 242 #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Let's go through your current SMSF loan and see if there are cheaper options. I'll break down all switching costs so you can make an informed decision. Matthew Stack mortgage broker 0423 237 242 Matthew.stack@loanmarket.com.au #smsf #selfmanagedsuperfund

Here's how much you'll need to buy this $500k warehouse in Wollongong, Sydney. This warehouse is vacant. It's a standard industrial for lending purposes, and at this price point could borrow 80%. Price Guide: $500,000 Stamp duty: $17,000 GST : $50,000 (vacant) 20% Deposit: $100,000 Valuation: $2,000 Conveyancer: $2,000 Monthly repayments @ 7% = $2,661 All up you'll need $171,000 to buy this warehouse. Let me know in the comments which property to break down next.  #commercialbroker #commercialrealestate #investment #mortgagebroker #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness  Friends or family talking about loans? Send them my way.  Matthew Stack, Director & Senior broker, JP Calendar: Book in a meeting Mobile: 0423 237 242 Address: 5/202 Milperra Road, Milperra NSW 2214 Car & Business Finance in 2 minutes

Here's how much you'll need to buy this $2,995,000 warehouse in Castle Hill, Sydney. This warehouse is currently tenanted for another 12 months.  It's a standard industrial for lending purposes. You could borrow up to 70% at this price point. Price Guide: $2,995,000 Stamp duty: $147,000 GST : $0 (tenanted) 30% Deposit: $898,500 Valuation: $2,500 Conveyancer: $2,000 Monthly repayments @ 7% = $13,948 All up you'll need $1,050,000 to buy this warehouse. Let me know in the comments which property to break down next. Address: Unit 8, 4 Gladstone Road, Castle Hill, NSW 2154 Realtor: Partner Commercial Property                   David Brae 0478 166 118                   Lee Pascoe 0408 687 344 Mortgage Broker: Matthew Stack 0423 237 242                                      Matthew.stack@loanmarket.com.au #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $799,000 warehouse in Rocklea, Queensland. This warehouse is currently vacant. It's a standard industrial for lending purposes, and at this price point you can borrow 80%. Price Guide: $799,000 Stamp duty: $30,500 GST : $79,900 (no lease) 20% Deposit: $159,800 Valuation: $2,000 Conveyancer: $2,000 All up you'll need $274,000 to buy this warehouse. Let me know in the comments which property to break down next. Address: Unit 2, 29 Collinsvale Street, Rocklea, QLD 4106 Realtor: Ryan Bennett from Barber Property Group #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $1.7m warehouse in Chipping Norton, Sydney. This warehouse is currently leased for $65,000 PA. It's a standard industrial for lending purposes, and at this price point you can look to borrow up to 80%. Price Guide: $1,700,000 Stamp duty: $75,000 GST : $0 (tenanted) 20% Deposit: $340,000 Valuation: $2,000 Conveyancer: $2,000 All up you'll need $419,000 to buy this warehouse. Let me know in the comments which property to break down next. Address: 23/25-33 Alfred Road, Chipping Norton, NSW 2170 Realtor: Ken Nguyen Goldstar Realty #commercialbroker #commercialrealestate #investment #mortgagebroker #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $865,000 warehouse in Pinkenba QLD. This warehouse is vacant. It's a standard industrial for lending purposes, and at this price point, it falls under small business lending, meaning you can borrow up to 80%. Price Guide: $865,000 Stamp duty: $33,500 GST : $86,500 (no lease) 20% Deposit: $173,000 Valuation: $2,000 Conveyancer: $2,000 All up you'll need $297,000 to buy this warehouse. Let me know in the comments which property to break down next. Address: 14/300 Lavarack Avenue, Pinkenba, QLD 4008 Realtor: RWC – Bayside                    Alex Sinclair                     Jack Gwyn                     Jared Doyl #commercialbroker #commercialrealestate #investment #mortgagebroker   #firsthomebuyer #girlmath #budgeting #fintok #investing #commercialinvesting #commercialrealestateinvesting #realestateinvesting #propertyinvesting #investmentproperty #smallbusiness

Here's how much you'll need to buy this $1,500,000 warehouse in Wetherill Park, Sydney. This warehouse is currently vacant. It's a standard industrial for lending purposes, and at this price point you can borrow up to 80%. Price Guide: $1,500,000 Stamp duty: $64,000 GST : $150,000 (no lease) 20% Deposit: $300,000 Valuation: $2,000 Conveyancer: $2,000 All up you'll need $518,000 to buy this warehouse. Let me know in the comments which property to break down next. Address: #wetherillpark Realtor: Wetherill Park Industrial Real Estate Dominic Sergi #commercialbroker #commercialrealestate #investment #mortgagebroker #firsthomebuyer #girlmath #budgeting #fintok #investing #investing #commercialinvestin #commercialrealestateinvesting

Here's how much you'll need to buy this $9.45m Warehouse in Regents Park, Sydney. This warehouse is currently tenanted until April 2026 for $244k PA + GST. At this price point, you may be able to borrow up to 70% as it’s not under small business lending. Purchase Price: $9,450,000 Stamp duty: $583,000 GST : $0 (tenanted) 30% Deposit: $2,835,000 Valuation: $3,000 Conveyancer: $3,000 All up you'll need $3,424,000 to buy this warehouse. Let me know in the comments which property to break down next. Realtor: Bawdens Sydney Anthony Barbanera Robert Ally Address: 2/14-38 BELLONA AVENUE, Regents Park, NSW 2143 #commercialbroker #commercialrealestate #investment #mortgagebroker #firsthomebuyer #girlmath #budgeting #fintok #investing #whatever is trending Got to use the # that will get it seen #investing is the biggest #commercialinvestin #commercialrealestateinvesting

Here's how much you'll need to buy this $640,000 warehouse in Sumner, Brisbane. This warehouse is vacant. It's a standard industrial for lending purposes, & at this price point you can borrow 80%. Purchase Price: $640,000 Stamp duty: $24,000 GST : $64,000 (vacant) 20% Deposit: $128,000 Valuation: $2,500 Conveyancer: $2,000 All up you'll need $220,500 to buy this warehouse. Let me know in the comments which property to break down next. 4/97 Jijaws Street, Sumner, QLD 4074   Realtor: Raine & Horne Commercial – Brisbane                    Adam Horie 0408 920 955 Mortgage Broker: Matthew Stack 0423 237 242                                      Matthew.stack@loanmarket.com.au #commercialbroker #commercialrealestate #investment #mortgagebroker DM "preapproval" in the comments if you like to discuss your borrowing capacity with a broker. Contact details in my bio. Let me know in the comments what property you’d like me to break down next.

Here's how much you'll need to buy this $1,900,000 warehouse in Acacia Ridge, Brisbane. This warehouse is currently vacant. It's a standard industrial for lending purposes, however at this price point you could look to borrow 70%. Price Guide: offers over $1,900,000 Stamp duty: $97,000 GST : $190,000 (vacant) 20% Deposit: $380,000 Valuation: $2,500 Conveyancer: $2,000 All up you'll need $671,500 to buy this warehouse. Let me know in the comments which property to break down next. Realtor: Madsen Property Rocklea                   Peter Madsen 0400 376 164                   Mark Webster 0401 896 333 Mortgage Broker: Matthew Stack 0423 237 242                                      Matthew.stack@loanmarket.com.au #commercialbroker #commercialrealestate #investment #mortgagebroker #fintok #budgeting #investment #investing g #commercialrealestateinvesting #girlmath #fintok #acaciaridge #brisbane #industrialwarehouse DM "preapproval" if you want to go through your borrowing capacity with a broker. Contact details in my bio. Let me know in the comments which property to break down next.

Here's how much you'll need to buy this $800,000 warehouse in Mansfield, Brisbane. This warehouse is currently vacant. It's a standard industrial for lending purposes, meaning you can borrow up to 80%. Price Guide: $800,000 Stamp duty: $32,000 GST : $80,000 (vacant) 20% Deposit: $160,000 Valuation: $2,500 Conveyancer: $2,000 All up you'll need $276,500 to buy this warehouse. Let me know in the comments which property to break down next. Realtor: My Agent Aus – Eight Mile Plains                   Manoli Nicolas 0400 082 170 Mortgage Broker: Matthew Stack 0423 237 242                                       Matthew.stack@loanmarket.com.au #commercialbroker #commercialrealestate #investment #mortgagebroker #investing #fintok #girlmath #firsthomebuyer #budgeting DM "preapproval " if you'd like to go through your borrowing capacity with a broker. Contact details in my bio. Let me know in the comments which property to break down next.

#commercialrealestate #commercialloan #Mortgagebroker let me know if you need help with your commercial property loan. Matthew Stack 0423 237 242 Matthew.stack@loanmarket.com.au

Here's how much you'll need to buy this $1,079,000 warehouse in Lansvale, Sydney. This warehouse is currently tenanted for $48k PA. It's a standard industrial for lending purposes, meaning you can borrow up to 80%. Purchase Price: $1,079,000 Stamp duty: $43,000 GST : $0 (tenanted) 20% Deposit: $215,800 Valuation: $2,500 Conveyancer: $2,000 All up you'll need $263,300 to buy this warehouse. Let me know in the comments what property you’d like me to break down next. Realtor: John B Grant Real Estate Chester Hill                   Zeth Grant 0416 179 782 Mortgage Broker | Matthew Stack 0423 237 242                                        Matthew.stack@loanmarket.com.au         #commercialbroker #commercialrealestate #investment #mortgagebroker Which property should I break down next?

Here's how much you'll need to buy this $1.5m warehouse in Wetherill Park, SW Sydney. This warehouse is currently tenanted until October this year, with no option to renew.  It's a standard industrial for lending purposes, meaning you can borrow up to 80%. Purchase Price: $1,500,000 Stamp duty: $64,500 GST : $0 (tenanted) 20% Deposit: $300,000 Valuation: $2,500 Conveyancer: $2,000 All up you'll need $369,000 to buy this warehouse. Let me know in the comments if you have a property you’d like me to breakdown. Realtor: Coutts | Tom Hough 0406 662 592 | Nick Jahshan 0405 605 823 Mortgage Broker Matthew Stack 0423 237 242 | matthew.stack@loanmarket.com.au #commercialbroker #commercialrealestate #investment #mortgagebroker #coutts What property should I break down next?

Here’s how much you’d need to buy this $850k Warehouse in Seven Hills, Sydney.   Currently vacant, this warehouse is a standard industrial for lending purposes, and at this price point you could look to borrow 80%. - Price guide: $850,000 - Stamp duty: $33,000 - GST: $85,000 (vacant possession) - 20% deposit: $170,000 - Valuation & conveyancing: $4,000 - Monthly repayment @ 7%: $4,500 All up you’d need $292k to buy this Warehouse. I’m a mortgage broker; I can help you put a preapproval in place. Realtor: Bawdons | Terry Saba 0416 175 009 Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker  #commercialrealestate #commercialproperty #commercialloan

Commercial preapproval- Matthew Stack mortgage broker 0423 237 242 Here’s how much you’d need to buy this $255k Storage Shed in Penrith, Sydney.   Currently tenanted, this storage shed is a specialised industrial for lending purposes, meaning you could look to borrow up to 70% LVR. Saying that, there is a lender that will go 80% on these storage sheds. - Price guide: $255,000 - Stamp duty: $7,500 - GST: $0 (leased) - 30% deposit: $76,500 - Valuation & conveyancing: $4,000 - Monthly repayment @ 7.5%: $1,250 All up you’d need $88k to buy this Storage shed. I’m a mortgage broker; I can help you put a preapproval in place.   Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker  #commercialrealestate #commercialproperty #commercialloan

Here’s how much you’d need to buy this $1.45m Warehouse in Fairfield, Sydney.   Currently leased for $1,250 per week with roughly $12,900 pa in outgoings.  Standard industrial for lending purposes, and you could look to borrow 80% LVR. - Price guide: $1,450,000 - Stamp duty: $62,500 - GST: $0 (leased) - 20% deposit: $290,000 - Valuation & conveyancing: $4,000 - Monthly repayment @ 7%: $7,720 All up you’d need $356,500 to buy this Warehouse. I’m a mortgage broker; I can help you put a preapproval in place.   Property address: 6/80 Seville Street, Fairfield 2165 Realtor: Starr Partners Auburn | Jenny Deng 0497 100 055 Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker  #commercialrealestate #commercialproperty #commercialloan #starrpartners #jennydeng

Here’s how much you’d need to buy this $4.5m Warehouse in Seven Hills, Sydney. This 3-unit complex has 3 leases in place totalling $157k Net. Standard industrial for lending purposes, and you could look to borrow 70% LVR. - Price guide: $4.5m - Stamp duty: $243,000 - GST: $0 (leased) - 30% deposit: $1,350,000 - Valuation & conveyancing: $4,000 - Monthly repayment @ 7%: $20,900 All up you’d need $1,597,000 to buy this Warehouse. I’m a mortgage broker, I can help you put a preapproval in place. Current Income Unit 1 - 508m² Rental $69,105 net + GST expires 01/27 Unit 2 - 353m² Rental $52,500 net + GST expires 03/27 Unit 3 - 245m² Rental $36,000 net + GST expires 06/28 Total size: 1106m² Rental $157,605 net + GST Annual Outgoings $54,940 + GST. Property address: 13 TUCKS ROAD, Seven Hills, NSW 2147 Realtor: Bawdens – Sydney | Terry Saba 0416 175 009 Mortgage Broker - Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialrealestate #commercialproperty #commercialloan #bawdens

DM a time to call you back for preapproval. Or book an appointment in my bio. Matthew Stack 0423 237 242. How to buy this $850k Office in Brookvale, Sydney in your SMSF! 14 seconds This Office Showroom is rented for $45,600 Gross pa, 5.4% yield. Outgoings $8,700. It’s a standard office for SMSF lending purposes, meaning you could look to borrow 80% LVR. 32 seconds - Price guide: $850,000 - Stamp duty: $33,000 - GST: $0 (tenanted) - 20% deposit: $170,000 - Valuation & conveyancing: $4,000 - Monthly repayment @ 8%: $4,989 - SMSF lending fees: $7,510 (total breakdown below) Establishment fee: $6,460 (or 0.95% of loan amount) Settlement fee: $450 Legals: $600 All up you’d need $214k to buy this Office within your SMSF. Property address: 5/20 West Street, Brookvale, NSW 2100 Realtor: Upstate – Norther Beaches - Saxon Stonehouse 0408 033 330 - Paul Cunningham 0413 161 661 Mortgage Broker | Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #commercialrealestate #commercialproperty #commercialloan

DM a time to call you back for preapproval. Or book an appointment in my bio. Matthew Stack 0423 237 242. You’d need roughly $272 to buy this $795k Office in Dee Why, Sydney.   This Office is under 2 titles & is sold untenanted, however there is a tenant proposed with estimated rent of $57k pa; that’s over 7% yield.  It’s a fairly standard office for lending purposes, & under small business lending you could borrow 80%.   - Price guide: $795,000 - Stamp duty: $30,000 - GST: $79,500 (unless leased) - 20% deposit: $159,000 - Valuation & conveyancing: $4,000 - Monthly repayment @ 7%: $4,231 All up you’d need $272k to buy this Office. Property address: 19&20/26 Fisher Road, Dee Why, NSW 2099 Realtor: Novak Properties – Northern Beaches                                   Mortgage Broker | Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan  #commercialrealestate #commercialproperty #commercialloan

#commercialrealestate

#commercialrealestate

#commercialrealestate

DM a time to call you back for preapproval. Or book an appointment in my bio. Matthew Stack 0423 237 242. You’d need roughly $223k to buy this $650k Office in Dee Why, Sydney.   This Office is untenanted but previously was leased by an osteopath.  Outgoings roughly $10k pa. It’s a standard office and at this price point it falls under small business lending, meaning you could look to borrow 80% LVR with some lenders. - Price guide: $650,000 - Stamp duty: $24,000 - GST: $65,000 (vacant possession) - 20% deposit: $130,000 - Valuation & conveyancing: $4,000 - Monthly repayment @ 7%: $3,460 All up you’d need $223k to buy this Office. Property address: 2/1-5 Dee Why Parade, Dee Why, NSW 2099 Realtor: Upstate – Northern Beaches                                     - Saxon Stonehouse 0408 033 330                                      -Paul Cunningham 0413 161 661   Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #upstate #saxonstonehouse #paulcunningham #commercialrealestate #commercialproperty #commercialloan

DM a time to call you back for preapproval. Or book an appointment in my bio. Matthew Stack 0423 237 242. You’d need roughly $133k to buy this $550k Office in Brookvale, Sydney.   This Office is leased for $33,500 (Gross) pa for a 6% yield.  Outgoings roughly $6,700 pa. It’s a standard office and at this price point it falls under small business lending, meaning you could look to borrow 80% LVR with some lenders. - Price guide: $550,000 - Stamp duty: $19,600 - GST: $0 (tenanted) -20% deposit: $110,000 - Valuation & conveyancing: $4,000 - Monthly repayment @ 7%: $2,900 All up you’d need $133,600 to buy this Office. Property address: 12/108 Old Pittwater Road, Brookvale, NSW 2100 Realtor: Upstate – Northern Beaches                                     - Saxon Stonehouse 0408 033 330 -          Paul Cunningham 0413 161 661   Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #upstate #saxonstonehouse #paulcunningham #commercialrealestate #commercialproperty #commercialloan

DM a time to call to get your finance in place. Matthew Stack 0423 237 242. You’d need roughly $267k to buy this $1.1m Office in Auburn, Sydney. This Office is currently rented to a employment service provider for $58,300 NET pa. Outgoings are paid by the tenant. It’s a standard office for lending purposes, and falls within small business lending, meaning you could look to borrow 80% LVR. - Price guide: $1,095,000 - Stamp duty: $44,000 - GST: $0 (tenanted) - 20% deposit: $219,000 - Valuation & conveyancing: $4,000 - Monthly repayment @ 7%: $5,828 All up you’d need $267k to buy this Office. Property address: Shop 3/62 Queen Street Auburn, NSW, 2144 Realtor: Starr Partners Auburn | Greg Okladnikov 0414 378 336 Mortgage Broker | Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #commercialrealestate #commercialproperty #commercialloan #starrparters #gregokladnikov

Book an appointment to start your preapproval Book appointment Matthew Stack 0423 237 242   "Got $304k in your SMSF? Snag this $850k Penrith Warehouse for your business!" This warehouse in not currently tenanted.  It’s a standard industrial for lending purposes, & a good price point to borrow up to 80% LVR within your SMSF. Let’s look at the breakdown: - price guide: $850,000 -stamp duty: $33,000 - GST: $85,000 -20% deposit: $170,000 - valuation & conveyancing: $4,000  - Monthly repayment @ 7.9%: $4,900 - SMSF fees: $11,585 (total fees – see below breakdown)                              - Application fee: $800                               - Establishment fee: $6,800 (1% of loan amount)                               - valuation fee: $2,000                               - SMSF review fee: $700                               - Bare trust fee: $0                               - Settlement fee: $600                               - Documentation fee: $700 All up you’d need $304k to purchase this warehouse. https://www.realcommercial.com.au/for-sale/property-penrith-nsw-2750-504911224 Realtor: Infocus Mitch Reardon 0401 313 160 Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #infocus #mitchreardon

Book an appointment to start your preapproval Book appointment or text me a good time to call and I'll come back to you. Matthew Stack 0423 237 242     You’d need $280k to buy this $1,150,000 warehouse in Emu Plains, Sydney. This one’s on a short-term lease, which means you won’t pay GST. It’s a standard industrial property for lending purposes, meaning you can borrow up to 80% LVR. Let's look at the numbers: - Price Guide: $1,150,000 - stamp duty: $46,000 - GST: $0 (tenant in place) - 20% deposit: $230,000 - valuation & conveyancer: $4,000   All up you’d need $280k to buy this warehouse.   Don’t forget to like & follow for more property breakdowns.   DM me or book a call back in my calendar. Matthew's Appointment Calendar Property Address: Unit 4, 17 Pullman Place, Emu Plains, NSW 2750 Realtor: Shatford Commercial                   Gavin Shatford 0477 709 542 Mortgage broker:                    Matthew Stack 0423 237 242   #loanmarketmatthewstack #mortgagebroker #commercialfinance #commercialfinancebroker #gavinshatford #shatfordcommercial

Text me a good time to call you yo start your preapproval. Or book an appointment in my bio. Matthew Stack 0423 237 242. You’d need roughly $448k to buy this $1,300,000 warehouse in Pemulwuy, Sydney. This warehouse is not tenanted. It’s a standard industrial for lending purposes, so you could look to borrow 80% LVR with most lenders. Let’s look at the breakdown: - price guide: $1,300,000 -stamp duty: $54,000 - GST: $130,000 -20% deposit: $260,000 - valuation & conveyancing: $4,000 - Monthly repayment @ 7%: $6,900 All up you’d need $448k to buy this warehouse Property address: 30/2-4 Picrite Close, Pemulwuy, NSW 2145 Realtor: Coutts – South West Gino Cavallaro 0488 103 301 Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #coutts #couttssouthwest #ginocavallaro

Book an appointment to start your preapproval Book appointment or text me a good time to give you a call. Matthew Stack 0423 237 242   You’d need roughly $100k to buy this $215k storage shed in Penrith, Sydney. This storage shed in not tenanted.  It’s a specialised industrial for lending purposes, so your borrowing would be limited to 65% with most lenders. Let’s look at the breakdown: - price guide: $215,000 -stamp duty: $6,000 - GST: $21,500 -35% deposit: $75,250 - valuation & conveyancing: $4k  - 65% Loan Amount: $139,750 - Monthly repayment @ 7%: $929 All up you’d need $100k to buy this storage shed. Property address: 32/1-13 Leland Street, Penrith, NSW 2750 Realtor: PRD Commercial – Western Sydney Robert Tappouras 0436 430 344 Lauren Fitzpatrick 0455 178 765 Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #prdcommercial #roberttappouras #laurenfitpatrick

Text me a good time to call you back to start your preapproval. Matthew Stack 0423 237 242 You’d need roughly $554k to purchase this $1.6m warehouse in Castle Hill, Sydney. This warehouse in not currently tenanted. It’s a standard industrial for lending purposes, & the right price point to borrow up to 80% LVR. Let’s look at the breakdown: - price guide: $1,600,000 -stamp duty: $70,000 - GST: $160,000 (unless leased) -20% deposit: $320,000 - valuation & conveyancing: $4k - Estimated rent: $72,540 net + outgoing + GST - Monthly repayment @ 7%: $8,500 All up you’d need $554k to purchase this warehouse. Property address: Unit 38, 9 Salisbury Road, Castle Hill, NSW 2154 Realtor: CBRE – Western Sydney Brendan Wein 0431 618 086 David Su 0424 038 698 Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #CBRE #cbrewesternsydney #brendanwein #davidsu 💯

Text Matthew a good time to call back to start your preapproval 0423 237 242 How to buy this $575k warehouse in Ingleburn, Sydney with your SMSF! Maybe you’re a tradie needing space for tools.  It’s a standard industrial property for SMSF lending purposes, meaning you’ll only need a 20% deposit paid from your SMSF funds. Let's look at the numbers: - purchase Price: $575k - stamp duty: $20,000 - GST: $57.5k (unless there’s a lease in place) - 20% deposit: $115k - valuation & conveyancer: $4k - There can be risk fees of between 0.5% & 1% depending on the lender and LVR. All up you’d need $196.5k incl GST.   Don’t forget to like & follow for more property breakdowns.   DM me or book a call back in my calendar. Matthew's Appointment Calendar Property Address: 6C/4 Louise Avenue, Ingleburn, NSW 2565 Realtor: Raine & Horne Commercial Bankstown                   Dirk Ten Cate 0413 785 073                   Mark Ammoun 0410 532 733 Mortgage broker:                    Matthew Stack 0423 237 242 #Commercial #commercialpropertyloan #commercialproperty #commercialfinancebroker #RaineandHornebankstown #R&HBankstown #raineandhorne #dirktencate #markammoun #bankstown #loanmarketmatthewstack #mortgagebroker #tradies #smsf   #

Text Matthew a good time to call back to start your preapproval. Book an appointment to start your preapproval Book appointment Matthew Stack 0423 237 242 This Townhouse in Greenacre, Sydney is perfect for First Home Buyers as you can put down a 5% deposit and pay no Lenders Mortgage Insurance or stamp duty under the First Home Guarantee. Let's go through the numbers: - Purchase Price: $728k - stamp duty: $0 (first home buyers) - 5% deposit: $36.4k - LMI: $0 (first home guarantee) - valuation: $0 (lender app fee) -conveyancer: $1.8k A first home buyer would need $38.2k to buy this townhouse. Don’t forget to like & follow. To get preapproved, DM or book a call in my calendar. Ask for a free property report. Matthew's appointment calendar Property Address: 29/95 Chiswick Road, Greenacre, NSW 2190 Pace Property | Mark Selah 0473 745 777 | Bilal Elcheikh 0413 025 466 Mortgage Broker Matthew Stack 0423 237 242 #loanmarketmatthewstack #pace #mortgagebroker #firsthomebuyer #homeloan #firsthomeguarantee #markselah #bilalelcheikh

Text Matthew a good time to call back to start your preapproval. This one’s good for paramedics, nurses, cops & those eligible for a 90% LMI waiver, like lawyers and accountants. This means you can put down a 10% deposit and pay no Lenders Mortgage Insurance with some lenders. Let's go through the numbers: - Purchase Price: $1.49m - stamp duty: $64k - 10% deposit: $149k - LMI: $0 (under waiver) - valuation & legals: $1,800 All up you'll need $214.8k to buy this house. Don’t forget to like & follow for more property breakdowns. For a preapproval, DM or book a call in my diary. Matthew's appointment calendar   Property Address: 10A Central Avenue, Chipping Norton, NSW 2170 Real Equity Estate Agents | Joshua Prestia 0404 252 695 | Elle Hipolito 0478 933 344 Mortgage Broker | Matthew Stack | 0423 237 242 | Matthew.stack@loanmarket.com.au #Mortgagebroker #financebroker #NSWAmbulance #paramedic #NSWHealth #NSWpolice #NSWfirefighter #nurse #nswnurse #LMIwaiver #mortgagebrokerbankstown #mortgagebrokercanterbury #joshuaprestia #ellehipolito #realequity #realequityestateagents

Text Matthew a good time to call back to start your preapproval 0423 237 242 This shop is leased to a medical centre paying almost $95k yearly. You could buy it with a 20% deposit with some non-bank lenders & perhaps 65% LVR with a bank lender like NAB. LETS LOOK AT THE NUMBERS: - price guide" $1.95m -stamp duty: $90k - GST: $0 (tenanted) -20% deposit: $390k - valuation & conveyancing: $4k All up $484k could get you started. Don't forget to like and follow for more property breakdown or book a call in my calendar. Property address" unit 1, 31 Rooty Hill Road north Rooty Hill, 2766. Realtor: Partner Commercial Property David Brae 0478 166 118 Julian Shankland 047 850 414 Mortgage Broker Matthew Stack 0423 237 242 #LoanMarketMatthewStack #mortgagebroker #commercialpropertyloan #partercommercialproperty #commercialrealestate

$1.41m could get you into this $4m retail shop in Blacktown, Sydney. This fitted out medical centre could rent for $160k net pa. It’s a standard property for lending purposes. A bank lender like ING could lend up to 75%. A non-bank like Liberty could fund up to 80%. Here’s the breakdown: - purchase Price: $3.995m - stamp duty: $207k - GST: $399.5k (unless there’s a lease) - 20% deposit: $799k - valuation & conveyancer: $4k All up you'll need $1.41m with GST or $1.01m if leased. Don’t forget to like & follow. To get preapproved, DM ‘commercial’ or book a call in my calendar. Matthew's Appointment Calendar Property Address: 100 Main Street, Blacktown, NSW 2148 Realtor: Solve Commercial Real Estate Shaun Lily 0412 589 967 Jason Andreou 0416 267 610 Mortgage broker: Matthew Stack 0423 237 242 #Commercial #commercialpropertyloan #commercialproperty #commercialfinancebroker #loanmarketmatthewstack #solvecommercial #shaunlilly #jasonandreou #mortgagebroker

Here's how much a First Home Buyer will need to buy this $720,000 Townhouse in Greenacre, Sydney If you're a first home buyer, this one is positioned at the right price point to get free stamp duty and first home guarantee scheme. Let's look at the numbers: - purchase Price: $720,000 - 5% Deposit: $36,000 - stamp duty: $0 - LMI: $0 (first home guarantee) - valuation: $0 - conveyancer: $1,800 All up you'll need $37,800 to buy this townhouse as a first home buyer. DM "FHB' if you'd like to start your preapproval. INVESTORS - est rent is $665 per week (property.com.au) - 80% lvr repayments at 5.6%: $762 per week -negative cash flow: $388 per month DM "investor" if you want to put together a preapproval. Property address: 23/75 Chiswick Road, Greenacre 2190 Realtor: Rich & Olivia George Stavis 0466 504 919 Macro Errichiello 0414 433 318 Mortgage broker: Matthew Stack 0423 237 242 #mortgagebroker #firsthomebuyer #rich&Olivia #georgestavis #marcoerrichiello #LoanMarketMatthewStack

Here's how much you'll need to buy this $700k Villa in Penrith, Sydney. If you're a first home buyer, this one is positioned at the right price point to get free stamp duty and first home guarantee scheme. Let's look at the numbers: - purchase price: $700,000 - stamp duty: $0 (first home buyer) - 5% deposit: $35,000 - LMI: $0 (first home guarantee) - valuation: $0 - conyeyancer: $1,800 All up you'll need $36,800 to buy this Villa. DM "FHB" if you'd like to put together a preapproval to start searching for your first home. Investors: - est rent from property.com.au is $465 per week - 80% LVR repayments @5.6%: $740 per week. DM "investor" to put together a preapproval. Property: 3/68-70 Doonmore Street, Penrith 2750. REALTOR: Ray White Napean Group Jasmine Calgaro 0477 755 589 Mortgage Broker: Matthew Stack 0423 237 242 #firstomebuyer #firsthomeguarantee #mortgagebroker #LoanMarketMatthewStack #propertyinvesting #raywhitenapeangroup #jasminecalgaro

Here's how much you'll need to buy this $1,656,000 warehouse in Wetherill Park, Sydney. This warehouse is currently vacant. Its a standard industrial warehouse for lending purposes, meaning you could look to borrow up to 80% lvr, as it falls under small business lending. Let's look at the numbers: - purchase Price: $1,656,000 - stamp duty: $73,000 - GST: $165,600 - 20% Deposit: $331,200 - valuation fees: $2,000 - conveyancer fees: $2,000 You'll need $573,800 Inc gst to buy this property. DM "commercial " if you'd like to make Tim to discuss a preapproval. Realtor: Coutts Southwest Tom Hough 0406 662 592 Mortgage broker: Matthew Stack 0423 237 242 #commercial #commercialpropertyloan #mortgagebr #commercialrealestate #Coutts #couttssouthwest #tom hough #LoanMarketMatthewStack

Here's how much you'll need to buy this $1.2m warehouse in Thornleigh, Sydney. This warehouse is currently vacant. Its a standard industrial warehouse for lending purposes, meaning you could look to borrow up to 80% LVR, as it falls under small business lending. Let's look at the numbers: - purchase Price: $1,200,000 - stamp duty: $48,000 - GST: $120,000 - 20% deposit: $240,000 - valuation: $2,000 - conveyancer: $2,000 All up you'll need $412,000 (Inc gst) to purchase this industrial property. DM "Commercial" if you'd like to put a preapproval in place. Property Address: unit 35, 7 sexton road, Thornleigh nsw, 2120. Realtor: Sutton Anderson crows nest Matthew Oneill 0466 729 929 Hugh Anderson 0438 007 302 Mortgage broker: Matthew Stack 0423 237 242 #Commercial #commercialpropertyloan #commercialproperty #commercialfinancebroker #suttonanderson #matthewoneill #hughanderson

Get your pre-approval in place before you go hunting for a property. Mortgage Broker Matthew Stack will help you get approved. If you want to run some numbers, book a chat: https://calendly.com/matthew-stack-g7e/15mins Mortgage Broker Matthew Stack | 0423 237 242 | matthew.stack@loanmarket.com.au Here’s how much you’ll need to buy this $979,950 Warehouse in Penrith, Sydney This warehouse is currently vacant. It’s a standard industrial warehouse for lending purposes, meaning you could look to borrow up to 80% LVR, as it falls under small business lending. Let’s look at the numbers: - Purchase price - $979,950, - Stamp duty - $38,000 - GST - $97,950 (unless a lease is put in place) - 20% Deposit - $195,990 - Valuation fees - $2,000 - Conveyancer fees - $2,000. All up, to buy this $979,950 warehouse you’re looking at $335,940 including valuation and conveyancing. DM “commercial” if you’d like to make a time to discuss your preapproval. Property Address: 9/55 Leland Street, Penrith, NSW 2750 195 m2 | vacant possession Realtor PRD Commercial Western Sydney | Robert Tappouras | 0436 430 344 Mortgage Broker | Matthew Stack | 0423 237 242 | matthew.stack@loanmarket.com.au #commercialproperty #mortgagebroker #commercialfinance #commercialloan #industrialproperty #roberttappouras #prdcommercial #prdcommercialwesternsydney

Here's how much you'll need to buy this $790k town house in Casula, SW Sydney. If you're a first home buyer, this one is positioned at the right price point to get free stamp duty and first home guarantee. Let's go through the numbers: - purchase price: $790,000 (price guide) - stamp duty: $0 (first home buyer) - 5% deposit: $39,500 - LMI: $0 (first home guarantee) - valuation: $0 - conveyancer: $1,800 All up you'll need $41,300 to buy this townhouse. DM "FHB" if you'd like to put together a preapproval to start searching for your first home. Investors: Let's assume a 20% deposit to avoid LMI. - estimated rent $655 per week. - monthly repayments: $3,700 per week - negative cash flow: - $1,088 per month DM "investor" if you'd like to put a preapproval in place to start searching for an investment property. Realtor Professionals Paradise Casula | Stuart Zullo 0416 663 105 | Jay Chaudhary 0466 063 840 Mortgage Broker | Matthew Stack | 0423 237 242 #mortgagebroker #mortgage #firsthomebuyer #propertinvesting #firsthomeguarantee #professionalparadierealtycasula #stuartzullo #jaychaudhary

Here's how much you'll need to purchase this $1,400,000 warehouse in Arndell Park, West Sydney. This warehouse is not tenanted. It's standard industrial warehouse for lending purposes, meaning you could look to borrow up to 80% LVR, as it falls under small business lending. Let's look at the number: - purchase Price: $1,400,000 - stamp duty: $59,000 - GST: $140,000 - 20% deposit: $280,000 - valuation: $2,000 - conveyancer: $2,000 All up you'll need $483,000 including valuation and conveyancing. DM "commercial" if you'd like to put together a preapproval for this property or another. Realtor | JLL Parramatta | Miguel Lee 0402 219 661 | Alexandra Nakhoul 0431 543 567 | Evan Kallias 0403 528 084 Mortgage Broker | Matthew Stack | 0423 237 242 #commercialproperty #commercialrealestate #commercialfinance #commercialpropertyloan #jllparramatta #miguellee #alexandrakhoul #evankallias

Here's how much you'll need to purchase this $850,000 retail shop in Punchbowl, SW Sydney. DM "commercial" if you'd like to put together a preapproval for this property or another. This shop is tenanted for $39,000 per year. Commercial lending is property dependent, so let's give this one a max LVR of 70%. It may be possible to go to 80% with certain lenders. Let's go through the numbers: - purchase price: $850,000 - stamp duty: $33,000 - GST: $0 (as it's tenanted) - 30% deposit: $225,000 - Valuation fees: $2,000 - conveyancer fees : $2,000 - monthly rent : $3,412.50 -monthly repayments @6.8%: $3,878 - year 1 cashflow: - $465.50 per month All up you'll need$262,000 to buy this retail shop. Property One Realty | Khan Hossain | 0421 177 720 Mortgage Broker | Matthew Stack | 0423 237 242 DM "commercial " if you'd like to put together a preapproval, and I'll send you an appointment link to my calendar. #commercialbroker #commercialproperty #punchbowl #commercialfinance #commercialrealestate

Here's how much you'll need to buy this townhouse in Chipping Norton, Sydney. If you're a first home buyer, this one's positioned under the right price point to get oth free stamp duty and the First home guarantee. Let's go through the numbers: - Purchase Price: $725,000 - stamp duty: $0 -5% deposit: 35,250 - LMI: $0 (first home guarantee) - valuation: $0 (lender app fee) -conveyancer: $1,800 All up you'll need $38,050 to buy this townhouse. DM me FHB if you'd like to put together a preapproval to start searching for your first home. Investors: - rent is $660 to $690 per week. - stamp duty:$27,000 - 20% deposit: $145,000 - monthly repayments: $3,400 - negative cash flow: $640 per month DM me investor if you'd like to book a chat to run through some numbers, or put together a preapproval. Blaze Realty | Vince Salvatore | 0404 088 714 Mortgage Broker | Matthew Stack | 0423 237 242 | Matthew.stack@loanmarket.com.au #firsthomebuyer #fhb #Mortgagebroker #financebroker

Here's how much you'll need to buy this $1.35m warehouse in Prestons, SW Sydney. This warehouse is tenanted to Body Shop News International on a month-to-month basis. It's a standard industrial warehouse for lending g purposes, meaning you could look to borrow up to 80% LVR as it falls under small business lending. Let's look at the numbers: Purchase price: $1,350,000 Stamp duty: $57,000 GST: $0 20% deposit: $270,000 Valuation fees: $2,500 Conveyancer fees: $2,000 All up to buy this warehouse you'll need $331,500 Realtor: Raine & Horne commercial Liverpool Vincent stevens: 0409 609 774 Klaude Ruhs: 0433 330 555 #mortgagebroker #commercialpropertyloan #commercialrealestate

Here's how much you'll need to buy this $922,500 warehouse in Prestons, SW Sydney. This warehouse is currently tenanted on a 3 year lease for $46k pr annum for a 5% net return. It's a standard industrial for lending purposes, meaning you may be able to borrow up to 80% LVR. Purchase Price: $922,500 Stamp duty: $36,000 GST : $0 20% Deposit: $184,500 Valuation: $2,500 Conveyancer: $2,000 All up you'll need $225,000 to buy this warehouse. Realtor: Arthur Mihail 0499 767 744 Robert McLaren 0425 303 741 #commercialbroker #commercialrealestate #investment #mortgagebroker

Here’s how much you’ll need to buy this $530,000 Unit in Bankstown, Southwest Sydney If you’re a first home buyer, this one is the right price point to get both free stamp duty and the First Home Guarantee, which means you can put down 5% deposit and pay no LMI. Let’s go through the numbers: - Purchase price - $530,000 - Stamp duty - $0 (first home buyers) - 5% Deposit - $26,500 - LMI: $0 (First Home Guarantee) - Valuation fees - $0 (lender app fee) - Conveyancer fees - $1,800 All up, to buy this $530,000 Unit in Bankstown, you’ll need $28,300 including valuation and conveyancing. RELATOR: Mark Huynh 0413 273 720 | W.T. Newyey & Co Mortgage Broker: Matthew Stack 0423 237 242 | Loan Market Matthew Stack If you want to run some numbers, book a consult: https://calendly.com/matthew-stack-g7e/15mins #firsthomebuyer #mortgagebroker #firsthomeguarantees #firsthomeownersgrant #bankstown #wtnewey

Here's how much you'll need to buy this $1.25m warehouse in Wetherill Park, SW Sydney Purchase Price: $1,250,000 Stamp Duty: $51,500 GDT: $125,000 20% Deposit: $250,000 Valuation: $3,000 Conveyancing: $2,000 Funds to complete: $431,500 Loan market matthew stack 0423 237 242 Matthew.stack@loanmarket.com.au Book a meeting in my calendar and ets get you approved. Offered for sale by Hillscomm. Jonathan Clowes 0408 210 436 #commercialrealestate #commercialproperty #commercialmortgage #mortgagebroker #commercialmortgagebroker #commercialpropertyinvesting #commercialloan

Here's how much you'll need to buy this $1,656,000 warehouse n Wetherill Park, SW Sydney. Purchase price: $1,656,000 Stamp Duty: $73,500 20% deposit: $331,200 Valuation fees: $3,000 Conveyancer fee: $2,000 Funds to complete: $275,300 #commercialpropertyforsale #commercialproperty #commercialrealestate #mortgagebroker #commercialfinance #commercialloan #Coutts #couttssouthwest #tomhough #wetherillpark

Here's how much you'll need to buy this $1.7m warehouse in Chippong Norton, SW Sydney Purchase price: $1,700 000 Stamp duty: $76,000 20% deposit: $340,000 Valuation: $3,000 Conveyancing: $2,000 Funds to complete: $421 000 Realtor: Ken Nguyen 9726 0999 Goldstar Cabramatta Loan Market Matthew Stack 0423 237 242 Matthew.stack@loanmarket.com.au #commercial #commercialrealestate #mortgagebroker #chipping gnorton #industrialproperty #commercialinvestment

Here’s how much you’ll need to buy this $840,000 Warehouse in Wetherill Park, South West Sydney This one is a standard factory for lending purposes, which means you’ll be able to borrow up to 80% LVR. It’s sold with no tenants in place, meaning it will attract GST (unless there’s a lease in place before settlement). There’s a small mezzanine for office use. Let’s look at the numbers: - Purchase price - $840,000 - Stamp duty - $32,000 - 20% Deposit - $168,000 - Valuation fees - $3,000 - Conveyancer fees - $2,000 All up, to buy this warehouse in Wetherill Park, you’re looking at $205,000 including valuation and conveyancing. If you want to run some numbers, book a chat: https://calendly.com/matthew-stack-g7e/15mins REALTOR: R&W Cabramatta Vinh Le – 0408 389 229 Sam McLean- 9755 5575 Property Address: 6/272-274 Victoria Street, Wetherill Park 2164 #commercialproperty #mortgagebroker #commercialfinance #commercialloan #industrialproperty #R&Wcabramatta #vinhlle #sammclean

Here’s how much you’ll need to buy this $580,000 apartment in Bankstown, South West Sydney This one’s for the First Home Buyers out there. As it’s below $800,000 – you may be eligible for both the First Home Guarantee Scheme (5% deposit, no LMI) and the First Home Owners Grant (free stamp duty). You won’t need much savings at all to get into the market for your first home. Let’s look at the numbers: - Purchase price - $580,000 - Stamp duty - $0 (FHB) - 5% Deposit - $29,000 - Valuation fees - $0 (usually part of the application fee) - Conveyancer fees - $1,800. All up, to buy this apartment in Bankstown, you’re looking at $30,800 including valuation and conveyancing. If you want to run some numbers, book a chat: https://calendly.com/matthew-stack-g7e/15mins REALTOR: APIG Cindy Li 0405 888 885 Property Address: 43/7 De Witt Street, Bankstown 2200 #mortgagebroker #canterburybankstown #firsthomebuyer #firsthomebuyers #firsthomeguarantee #guarantorloans #firsthomeownersgrant #freestampduty

Here’s how much you’ll need to buy this $8m Industrial in Wetherill Park, South West Sydney This is was previously used as a data centre; it’s huge with a site area of 2,400 sqm. Sold without a lease in place. It falls outside of small business lending, meaning most lenders will limit the LVR to around 65% - lender dependent. - Purchase price - $8,000,000 - Stamp duty - $488,000 - GST - $800,000 (unless it’s sold with a lease in place) - 35% Deposit - $2,800,000 - Valuation fees - $3,000 - Conveyancer fees - $3,000. All up, to buy this warehouse in Wetherill Park, you’re looking at $3,294,000 including valuation and conveyancing. If you want to run some numbers, book a chat: https://calendly.com/matthew-stack-g7e/15mins 0423 237 242 matthew.stack@loanmarket.com.au REALTOR: CBRE Western Sydney Janet Jolijan 0412 288 162 Property Address: 12-16 Bentley Street, Wetherill Park, NSW 2164 #commercialproperty #mortgagebroker #commercialfinance #commercialloan #industrialproperty

Here’s how much you’ll need to buy this $460,000 storage unit in Chullora, South West Sydney This is one of these Aussie Strata storage sheds, and it’s is currently tennanted for around $275 per week. It’s is a storage shed, not a standard industrial warehouse for lending purposes, meaning some lenders will have a problem with it, because it doesn’t have running water in the unit. There’s some banks and non-banks that will lend up to 80% LVR, so let’s concentrate on those. - Purchase price - $460,000 - Stamp duty - $15,500 - GST - $0 (as it’s tenanted) - 20% Deposit - $92,000 - Valuation fees - $2,000 - Conveyancer fees - $2,000. All up, to buy this storage shed, you’re looking at $115,500 including valuation and conveyancing. Realtor: Dennis Woo Ray White Seven Hills 0477 220 023 If you want to run some numbers, book a chat with me (Matthew Stack): https://calendly.com/matthew-stack-g7e/15mins 0423 237 242 #commercialproperty #mortgagebroker #commercialfinance #commercialloan #industrialproperty #denniswoo #raywhitesevenhills #aussiestratastorage

Here’s how much you’ll need to buy this $2.6m Warehouse in Yagoona, South West Sydney It’s currently not tennant. It’s is a standard industrial warehouse for lending purposes, meaning you could look to borrow up to 80% LVR. This one will depend on the lender, as it just tips over that small business lending criteria with some major banks. - Purchase price - $2,600,000 - Stamp duty - $126,000 - GST - $260,000 (unless there’s a lease) - 20% Deposit - $520,000 - Valuation fees - $2,500 - Conveyancer fees - $2,000. All up, you’ll need $910k to buy this property, or $650k if sold with a lease in place. If you want to run some numbers, book a chat: https://calendly.com/matthew-stack-g7e/15mins Matthew - 0423 237 242 Property for sale by George Lattouf Laing and Simmonds Merrylands #commercialproperty #mortgagebroker #commercialfinance #commercialloan #industrialproperty ommercialloan #industrialproperty

Here’s how much you’ll need to buy this $800k mixed use retail in Bass Hill, SW Sydney This is a mixed-use property on Miller Road, meaning it has a residential unit on top of the retail space. The retail space is tenanted on a 5*5 lease. As it’s sold with the current lease in place, you’ll find there’s no 10% GST, as it’s sold as a going concern. Maximum borrowing for this one will be around 80% LVR. As it’s a mixed use property, some lenders may be 70% LVR. The property is offered for sale by R&H Commercial, Liverpool. Let’s run through the numbers: - Price Guide: $800,000 - Stamp Duty: $31,000 - 20% deposit: $160,000 - GST: $0 (sold as a going concern) - Conveyancer: $2,000 - Valuation: $2,000 - Loan Amount: $640,000 All up you’ll need roughly $195,000 funds to buy this property. Realtors: Raine & Horne Commercial Liverpool Klaude Ruhs: 0433 330 555 Samuel Mazzaferro: 0405 910 500 Book a video call with me if you’d like to run through your borrowing capacity. https://calendly.com/matthew-stack-g7e/15mins Matthew.stack@loanmarket.com.au 0423 237 242 #commercialrealestate #commercialproperty #investing #propertyinvesting #SMSFcommercial #commercialpropertyloan #mortgagebroker #smsf#commercialfinancebroker #compoundinterest #RaineAndHorneCommercial #RaineAndHorneLiverpool #CommercialRealEstate #LiverpoolNSW #WesternSydneyProperty #CommercialPropertyLiverpool #SydneyCommercialRealEstate #PropertyInvestment #NSWCommercial #OfficeSpaceLiverpool #KlaudeRuhs #SamuelMazzaferro

Here’s how much you’ll need to buy this $5.6m warehouse in Padstow, SW Sydney This is a large warehouse space currently occupied by Beaumont Tiles. If sold with the current tenants in place, then you won’t need to pay the 10% GST, as it’s sold as a going concern. Maximum borrowing for this one will be around 65% LVR, which means you’ll need 35% deposit + funds to complete to buy this property. If you’re stretched, there are lenders that may go to 70% LVR. The property is offered for sale by Commercial Property Group. Let’s run through the numbers: - Price Guide: $5,600,000 - Stamp Duty: $320,000 - 35% deposit: $1,960,000 - GST: $0 (if it’s sold with its current lease to Beaumont in place) - Conveyancer: $2,000 - Valuation: $3,000 - Loan Amount: $3,640,000 All up you’ll need roughly $2,285,000 funds to buy this property. Realtors: Commercial Property Group David Falcioni: 0405 956 552 Book a video call with me if you’d like to run through your borrowing capacity. https://calendly.com/matthew-stack-g7e/15mins Matthew.stack@loanmarket.com.au 0423 237 242 #commercialrealestate #commercialproperty #investing #propertyinvesting #SMSFcommercial #commercialpropertyloan #mortgagebroker #financebroker #commercialfinancebroker #compoundinterest

Here’s how much you’ll need to purchase this $11.5m warehouse in Wetherill Park, SW Sydney. This one is offered by ReVest Property Group. It’s 2 adjoining industrial units - over 3,000 sqm combined. It’s currently tennanted, meaning it won’t attract 10% GST as it’s sold as a going conern. This one falls outside of small business lending, meaning that the LVR or max borrowing on this one will be 65% - not 80% like a property with a loan size less than $3 million. Some non-bank lenders may go to 75% LVR if you’re stretched. - Property Price: $11,500,000 (is the guide) - Stamp Duty: $733,000 - GST: $0 - 35% Deposit: $4,025,000 - 65% Loan Amount: $7,475,000 - Conveyancer: $2,000 - Valuation: $3,000 All up, to buy this $11.5m warehouse in Wetherill Park, you’re looking at $4,763,000 including valuation and conveyancing. Selling Agent: Elijah Shakir, ReVest Property Group 0404 102 274 If you want to run some numbers with me, book a call: https://calendly.com/matthew-stack-g7e/15mins Matthew.stack@loanmarket.com.au 0423 237 242 #commercialproperty #mortgagebroker #commercialfinance #commercialloan #industrialproperty

Here’s what you’d need to buy this $750,000 warehouse in Moorebank, SW Sydney. This factory unit is on Helles Avenue and offered by Elders Commercial Liverpool. It’s a standard warehouse, meaning it would typically fall under small business lending, where you could expect to borrow 80% LVR. It’s currently tenanted, which means you won’t have to come up with 10% GST, as it’s sold as a going concern. So here’s the breakdown: - Purchase Price: $750,000 - Stamp Duty: $29,000 - GST: $0 - 20% Deposit: $150,000 - Loan Amount: $600,000 - Conveyancer: $2,000 - Valuation: $2,000 All up you’ll need $183,000 + perhaps $1,000 in lender fees depending on which lender you end up with. The numbers are also very similar if you’re buying with your SMSF. Book a phone appointment: https://calendly.com/matthew-stack-g7e/15mins #commercialproperty #commercialrealestate #mortgagebroker #milperra #bankstown #canterbury #financebroker #smsfcommercial

Here’s how much you’ll need to buy this $795,000 Warehouse in Chipping Norton, South West Sydney This warehouse is currently tennanted to a mechanic. It’s is a standard industrial warehouse for lending purposes, meaning you could look to borrow up to 80% LVR. - Purchase price - $795,000, - Stamp duty - $31,000 - GST - $0 (as it’s tennanted) - 20% Deposit - $159,000 - Valuation fees - $2,000 - Conveyancer fees - $2,000. All up, to buy this $795,000 warehouse in Chipping Norton, you’re looking at $195,000 including valuation and conveyancing. If you want to run some numbers, book a chat: https://calendly.com/matthew-stack-g7e/15mins #commercialproperty #mortgagebroker #commercialfinance #commercialloan #industrialproperty

Here’s how much you’ll need to buy this $1,150,000 Warehouse in Penrith, Western Sydney This is a standard industrial warehouse, and at this price point, it would fall under small business lending. Meaning many lenders could look to lend up to 80% LVR on this property. - Purchase price - $1,150,000, - Stamp duty - $47,000 - GST - $115,000 - 20% Deposit - $230,000 - Valuation fees - $2,000 - Conveyancer fees - $2,000. All up, to buy this $1,150,000 warehouse in Penrith, you’re looking at $396,000 Now some lenders can do GST funding on top of the 80% lend, which would come in the form of a 4 month interest only overdraft – so if the deal was tight for you, make sure you seek out this option, and then simply repay it back over the next few months with the refund. Realtor: Diego Menendez 0499 333 111 #commercialproperty #mortgagebroker #commercialfinance #commercialloan #industrialproperty

This is what you’ll need to buy this retail office in Bankstown, Southwest Sydney. This one was used as medical consulting space. - Price guide is $740,000. - Stamp Duty: $28,000 - GST: $74,000 (as it’s sold vacant possession) - Deposit: $148,000 - Loan Amount: $592,000 The funds you’ll need to purchase this office space totals: $250,000. But here’s where it get’s interesting. As it’s a standard office space, many lenders will go up to 80% lend. Some big 4 bank lenders will also do GST funding on top. This is usually via an overdraft facility, which is interest only and paid back over 4 months when you lodge your BAS and get the ATO refund. With the GST funded via an overdraft, this means you could buy this property with as little as $176,000. This one is listed by Chris Wade @ CPG - 0490083759 #gstfunding #comemrcialproperty #commercialpropertyloan #commercialloan #mortgagebroker #cpg #commercialpropertygroup

Here’s how much you’ll need to buy $2,230,000 warehouse in Padstow, Southwest Sydney. This one on Arab Road is 488 square metres with onsite parking. As it’s a standard warehouse under $2,000,000 loan amount, it will fall under small business lending, so you can expect some lenders to go as high as 80% LVR. So how much will you need to buy this property? Purchase Price: $2,320,000 20% Deposit: $464,000 Stamp Duty: $110,000 GST: $232,000 Loan Amount: $1,856,000 Well, there you have it. To buy this warehouse, you’ll need approximately $806,000 in cash, or equity in another property to make this work. Sales Agent: Mitchell Owen 0401 451 889 Commercial Property Group Loan Market Matthew Stack 0423 237 242

Here's what you'll need to purchase this industrial property in South West Sydney. Purchase Price: $950,000 20% Deposit: $190,000 Stamp Duty: $37,000 GST: $0 (tennanted) Loan Amount: $760,000 Matt - 0423 237 242 #LoanMarketMatthewStack #commercialproperty #commercialloan #mortgagebroker