Ajesh Mortgage Broker

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Ajesh Mortgage Broker We provide Homes(New/ Refinance), Business / Equipment Loans, Vehicle / Personal Loans and Commercial Loans / SMSF

You have found the perfect house, the agent is calling you for an offer, and you are ready to sign the contract. But you...
21/10/2026

You have found the perfect house, the agent is calling you for an offer, and you are ready to sign the contract. But you only have a generic online borrowing estimate, not a fully assessed pre-approval. In today's tight market, making an offer without concrete financial backing is incredibly stressful and risky.

A fully assessed pre-approval is your golden ticket. It means a lender has actually verified your income, expenses, and credit file. When you bid at auction or make a private offer, you can do it with total confidence, knowing the money is ready and waiting to go.

At times deals get finalized faster because you have a pre-approved loan ready.

Do not risk losing your dream home to a finance delay. Message us today and let us get your pre-approval sorted before you start house hunting.

Between grocery bills, electricity hikes, and the cash rate sitting higher for longer, household budgets are under serio...
19/10/2026

Between grocery bills, electricity hikes, and the cash rate sitting higher for longer, household budgets are under serious pressure. You are not alone if you feel like your paycheck is disappearing the moment it lands in your account. Keeping up with multiple debts like car loans and credit cards just makes it harder.

Debt consolidation through refinancing can completely change your monthly cash flow. By rolling your high interest personal loans or credit card balances into your home loan, you can drastically reduce your overall monthly repayments. It spreads the debt over a longer term at a much lower interest rate, giving you instant breathing space.

If you need to lower your monthly outgoings, send us a message. We will look at your situation and see if consolidation is the right move for you.

You love your lifestyle in the inner city. Your friends are there, your favorite cafes are there, and your work is close...
16/10/2026

You love your lifestyle in the inner city. Your friends are there, your favorite cafes are there, and your work is close by. But when you look at the median house prices in your suburb, buying a property feels like an absolute pipe dream.

Rentvesting is the ultimate compromise. You continue renting in the suburb you love to maintain your lifestyle, while buying an investment property in a more affordable, high growth area. You get your foot on the property ladder without giving up your weekend brunch spot.

Curious about how rentvesting impacts your borrowing power? Shoot us a DM and we will map out a strategy that works for you.

We are taught to avoid Lenders Mortgage Insurance at all costs. You might be sitting on a 10% deposit, desperately tryin...
14/10/2026

We are taught to avoid Lenders Mortgage Insurance at all costs. You might be sitting on a 10% deposit, desperately trying to save that final 10% to avoid the fee, all while watching house prices go down and now seems to be the best time to buy. Sometimes, paying LMI is actually cheaper than waiting. If paying a one-time LMI fee gets you into a property today when it is low, you start building equity as soon as the market picks up. The capital growth on your new home over the next year could easily outstrip the cost of the insurance premium you paid to get in early.

Let us run the numbers for you. Send us a message and we will compare the cost of LMI versus the cost of waiting. No pressure, just clear math.

You have been crunching the numbers, and even with a decent deposit, the loan repayments on a standard mortgage are just...
12/10/2026

You have been crunching the numbers, and even with a decent deposit, the loan repayments on a standard mortgage are just too high for your current income. It is incredibly frustrating to feel like you are doing everything right but still falling short of what the banks demand.

The new Help to Buy scheme is designed exactly for this. If you are eligible, the government will contribute up to 40% of the purchase price for a new home. You only need a tiny 2% deposit, and because your actual mortgage is much smaller, your monthly repayments become completely manageable.

Wondering how shared equity actually works? Reach out today and we will explain the pros and cons to see if it fits your goals.

You have saved your deposit, cleaned up your bank statements, and feel ready to apply for a home loan. Then the bank tel...
09/10/2026

You have saved your deposit, cleaned up your bank statements, and feel ready to apply for a home loan. Then the bank tells you your borrowing capacity is significantly lower than you calculated. The culprit? That unused credit card sitting in your drawer that you barely ever touch.

Banks do not assess credit cards based on your actual balance, even if it is sitting at zero. They test your borrowing power against the total credit limit, assuming you could max it out tomorrow at high interest rates. Having an active credit limit can substantially reduce how much a lender is willing to lend you for a home.

Before you submit your home loan application, reducing your credit limits or closing unused cards and Buy Now Pay Later accounts is one of the easiest ways to boost your borrowing power overnight.

Want to see how cleaning up your credit limits could improve your home loan position? Send us a DM and we will review your setup before you apply.

Everyone hoped 2026 would be the year of rate cuts. Instead, the cash rate is going up and expected to go further up. If...
07/10/2026

Everyone hoped 2026 would be the year of rate cuts. Instead, the cash rate is going up and expected to go further up. If you have been holding off on refinancing because you are waiting for a magical rate drop, you are likely paying a heavy loyalty tax to your current bank right now.

You do not have to wait for the RBA to save money. Lenders are competing for good borrowers today, and many are offering competitive rates and cash back. By refinancing to a sharper rate right now, you can instantly reduce your monthly repayments and give your household budget some much needed breathing room.

Let us do a quick rate check to see what you could be saving. Send us a message and we will compare your loan against the market. No pressure, just clarity.

For small business owners, lease payments build wealth for a landlord rather than growing your own business assets. Comm...
06/10/2026

For small business owners, lease payments build wealth for a landlord rather than growing your own business assets.

Commercial Lease-Doc loans allow established businesses to purchase their own warehouse, shopfront, or office space. Lenders evaluate the income generated by the business or existing lease structure to verify serviceability.

Commercial property purchases require specific deposit levels and policy checks, but owning your premises helps build long-term business equity.

Send us a direct message to check your business eligibility for commercial property finance.

Found your next home but haven't sold your current property? In a fast-moving market, waiting for a sale can mean missin...
02/10/2026

Found your next home but haven't sold your current property? In a fast-moving market, waiting for a sale can mean missing out on the right property.

A bridging loan acts as temporary finance, allowing you to buy the new property while giving you up to 12 months to sell your existing home without rushing into a low offer.

Bridging finance requires assessing your total peak debt to ensure repayments remain manageable during the transition period.

Send us a message to explore how bridging finance can keep your property move on track.

Building or buying an eco-friendly home saves on electricity bills, but it can also secure you a lower mortgage rate. Se...
30/09/2026

Building or buying an eco-friendly home saves on electricity bills, but it can also secure you a lower mortgage rate.

Select Australian lenders offer Green Home Loans featuring reduced interest rates for energy-efficient properties. Typically, lenders look for a 7-star rating under the Nationwide House Energy Rating Scheme (NatHERS) or sustainable features like high-grade insulation and solar power.

Eligibility guidelines vary by lender, but qualifying lets you save on both monthly energy bills and home loan repayments.

Send us a message to find out if your home plan qualifies for a green discount.

Address

144 Haywards Bay Drive
Wollongong, NSW
2530

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+61402694352

Website

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