This is a natural stage where many homeowners take a moment to reflect and evaluate their options—whether that’s considering a re-mortgage, exploring more competitive rates, or making plans for the future. It’s the ideal time to reassess your position and determine the best path forward to meet your needs and long-term goals.
We often liken this to a four-way junction with various paths to explore, as outlined below.
If you didn’t start your mortgage journey with us, don’t worry—you’re in good company! Many people come to us at this stage ready to continue their journey with expert guidance.
Whether you’re seeking a bit of clarity or comprehensive support, we’re here to help you navigate this stage of the process with confidence and ease.
Over the term of a typical mortgage, your situation can change several times:
• Birth of a baby
• Change of job
• Child leaves home
• Sale of another asset
At the end of a fixed term is a great time to review and ensure your mortgage is still fit for purpose. We will conduct a full review with recommendations based on your current situation and plans for the short, medium and long term goals.
Everyone dreams of being Mortgage free, my first question is why? – what do you want to be able to do with this extra money?
• Travel?
• Early Retirement?
• Reduce Stress?
• Live a more comfortable life?
Depending on your reason for becoming mortgage free will determine the best solution for you. No two situations are the same, and this is where we personalise advice for you.
Do you have dreams of owning a large rental portfolio, or just an extra one?
• Do you have equity in your home for the deposit?
• Existing Property / New Build?
• Property Manager or Self Manage?
• Capital Gains or Cash Flow?
No matter how many investment properties you aspire to own – it's all about the numbers and do they stack up.
Are you always moving money around, worried if you will have enough for the bills? Mortgage stress can be real for people. I know, I have been there.
• Are you constantly watching the interest rates?
• Do you understand your mortgage structure and is it working for you?
• Do you know about interest rate averaging?
• Does your mortgage structure allow for flexibility?
We come across this all the time and appreciate the stress it can cause; however, it doesn’t have to. There are options available for you.
Deon and the team went above and beyond to help us with our mortgage.
Any questions we had were answered immediately.
We couldn’t have gotten our loan without them!
Deon is hands down one of the best mortgage advisors I've ever met!
It's not just about the mortgage — it's about how he guides you through the entire journey with reliability, expertise, and a personal touch. His vast knowledge and experience are truly the icing on the cake.
I highly recommend Deon and his team to anyone looking to purchase their first home or grow their investment portfolio. He truly delivers on his promises and makes the process seamless!
Deon went above and beyond during our property purchase. He patiently answered all of our questions and kept us up to date each step of the way.
His support, knowledge and flexibility during this stressful time exceeded our expectations.
Refinance
Deon talked us through a number of options to help us work towards paying off our mortgage faster. He was able to secure a great rate for us and made it very easy to refinance.
I am very happy with his advice and service.
