A place to learn, whenever you're ready
Sometimes you're not ready for a broker yet — you just want someone to explain how all of this works, kindly and without a sales pitch attached. That's what this is for.
Buying a home is one of the biggest financial decisions most of us will ever make, and almost none of us were ever taught how it works. School didn't cover it, and while there's plenty of information out there, not all of it is written with you in mind.
So I share what I know — regularly, in plain English, and freely. Some of it is for people about to buy. Some is for people who bought years ago and haven't looked at their loan since. Quite a lot of it is for people who are simply curious, and that's lovely too.
And yes, I'd genuinely love to work with you one day. I'll be honest though: I'm not the right broker for everybody, and that's completely all right. But if what you're looking for is someone who'll sit on your side of the table, explain things properly, stay calm through the wobbly bits and still be here in three years' time — then I think we'd get along rather well. The right people have a way of finding each other.
Follow along
Short, practical and regular — the things I wish more people had been told earlier. No hard sell, and no pretending any of this is simpler than it really is.
The sort of thing I cover
For people just starting out
What a deposit actually needs to be, what LMI is and when it's worth paying, how lenders read your spending, and the difference between what a calculator says and what a lender will do.
For people who already have a loan
What happens when a fixed rate ends, how offset accounts really work, when refinancing is worth the trouble and when it isn't, and how to read your own loan statement.
For business owners and the self-employed
How lenders assess business income, why your accountant's tax planning and your loan application sometimes pull in opposite directions, and what to prepare.
Things nobody warns you about
Settlement-day surprises, the costs that aren't in the headline number, and the small decisions early on that quietly limit your options later.
A few things I'm building towards
Workshops & Q&As
Free first home buyer sessions and refinance clinics, run in person around the Peninsula and online. When the first one is scheduled it will be announced here and on Instagram.
In the worksThe blog
Longer pieces on the questions that don't fit in a social post — properly researched, and updated when the rules change.
In the worksThe podcast
Conversations with the other people in the transaction — conveyancers, buyers advocates, accountants, valuers — about what they wish clients knew earlier.
In the worksClient stories will appear here too, once I have written permission from the people in them. Nobody's situation goes on this website without them saying yes first.
Got a question you'd like answered?
Send it through. If it's a good one — and most are — I'll answer it properly, and it'll probably become a post that helps someone else too.