Plan My Mortgage - Andrew Drummond

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Andrew Drummond, your Mortgage Strategist!

🏆 Australian Regional Broker of the Year 2016
Book online appointment via website or
call 0400 337575.
🏡 Helping 1st home buyers, investors, and homeowners find smarter mortgage solutions.

17/06/2026

The 2026 Budget changed the rules for property investors.

But not for Self Managed Super Funds. đź‘€

While personal investors face restricted negative gearing from 2027 SMSF investors are exempt. Plus 15% tax on income and potentially zero CGT in pension phase.

The window is open. Savvy investors are already moving.

DM me SMSF for a free, no-obligation chat. 👇

Ten years ago, I was honoured to be named Australian Regional Mortgage Broker of the Year, a milestone that still stands...
16/04/2026

Ten years ago, I was honoured to be named Australian Regional Mortgage Broker of the Year, a milestone that still stands out in my career.

A decade later, the mortgage broking industry looks very different.
We’ve seen major regulatory shifts, rapid advances in technology, changing client expectations, and a level of complexity that continues to grow.

But despite all the change, the core fundamentals of being a great broker haven’t moved an inch.

It’s still about:
• Listening properly
• Understanding people’s goals
• Communicating clearly
• Acting with integrity
• And helping clients make confident, informed decisions

One thing I’ve grown to enjoy even more over the years is educating people on the fundamentals of finance.

When clients understand how lending works, not the jargon, but the real mechanics, they feel empowered. And empowered clients make better long‑term decisions.

Looking back, I’m grateful for the recognition… but even more grateful for the thousands of conversations, the trust people place in me, and the opportunity to help Australians build stronger financial futures.

Here’s to the next decade of growth, learning, and supporting clients with clarity and confidence.

Most people don’t realise how much their debts are costing them every single month—or how quickly those costs stack up w...
25/02/2026

Most people don’t realise how much their debts are costing them every single month—or how quickly those costs stack up when nothing changes.

If you want to see the real numbers for your situation, I’ve built a simple tool that shows you:

how much interest you’re actually paying

how long your debts will take to clear

and what restructuring could save you

It takes less than 60 seconds to get clarity.
And clarity is the first step toward control.

Download the free Debt Pressure Relief Calculator and see the cost of doing nothing—for yourself.

17/02/2026

If you’ve got a mortgage, credit cards, or personal loans, chances are you’re paying way more interest than you realise.

Debt consolidation isn’t just about simplifying your repayments. It’s about freeing up cashflow, cutting years off your mortgage, and saving thousands in interest.

I’ve built a free tool called the Debt Pressure Relief Calculator — it shows you exactly how much interest you’re burning, and how much you could save by consolidating.

DM me the word “Calculator” and I’ll send it straight through.

These four have just bought their very first homes, and in these moments, I often I like to stop and reflect.After 16 ye...
29/01/2026

These four have just bought their very first homes, and in these moments, I often I like to stop and reflect.

After 16 years in the mortgage industry, I’ve been lucky enough to sit beside so many people at this exact point in their lives. The first home stage is full of nerves, excitement, questions, doubts, and big dreams. It’s raw and real, and it’s honestly one of my favourite parts of what I do.

What I’ve learned over the years is that buying your first home is never just a transaction. It’s the beginning of a relationship. It’s the start of a journey that unfolds over years, sometimes decades.

I’ve watched first home buyers become upgraders as their families grow. I’ve seen them turn equity into investment properties. I’ve seen them build wealth, change careers, move towns, start businesses, and create lives they once only talked about in our first meeting.

And every time, I get to be there in the background, helping, guiding, problem solving, and making sure the finance side never holds them back.

These four are right at the beginning of their story. They’re standing in front of their first homes, full of hope and possibility. And I’m genuinely grateful they trusted me to help them take that first step.

It’s a privilege to be part of moments like these and it’s something I never take for granted. - .com.au

25/11/2025

Thinking about refinancing?

Refinancing can be one of the smartest financial moves you make. It can help you:

âś… Lock in a lower interest rate
âś… Reduce monthly repayments
âś… Access equity for renovations or investments
âś… Switch to lenders with better features like offset accounts or flexible repayments

Yes, there may be some costs involved, but in many cases the savings and improved loan features far outweigh them.

👉 With the right advice, refinancing can be a powerful way to improve your financial position and get ahead faster.




23/11/2025

Finding the market tough right now? With investors active, competition can feel intense — but don’t despair.

Stick to your budget, avoid overpaying, and remember: buying your first home is about the long term, not winning a bidding war.

Markets move in cycles, and opportunities always come around. Stay patient, prepared, and clear on your numbers so you’re ready when the right property appears.

✨ Working with a broker can help you understand your borrowing power, explore flexible lenders, and keep you focused on the bigger picture.

Hang in there — the right property, at the right price, will come your way.



19/11/2025

🏡 Residential vs Commercial Property — Which is better for investors?

Residential property is easier to finance, driven by population growth, and has historically delivered strong capital growth. The trade‑off? Lower rental yields and more exposure to vacancies.

Commercial property, on the other hand, is known for stronger cashflow. Longer leases, higher rental returns, and built‑in rent increases can make income more predictable. But it’s more sensitive to economic cycles, and financing is stricter.

👉 The takeaway: Residential = stability & growth. Commercial = cashflow & higher risk. Smart investors often look at a mix of both.



17/11/2025

If you’re thinking about property investing, regional Victoria is shaping up as one to watch in 2026.
Affordability pressures in Melbourne are pushing more buyers into towns like Ballarat, Bendigo, and Geelong.
These areas offer lifestyle appeal, strong rental demand, and major infrastructure projects that are driving long‑term growth.

Vacancy rates in many regional centres are sitting below 2%, which means rental competition is high and yields are often stronger than in the city. At the same time, price growth is expected to be steady rather than explosive, making it a more sustainable investment environment.

Units and townhouses are also gaining traction as affordability becomes a bigger driver.

So, for investors looking ahead to 2026, regional Victoria offers a balance of affordability, lifestyle, and rental strength — a combination that’s hard to ignore.



14/11/2025

If you’ve been wondering why your borrowing power has reduced over the last few years, it’s not only because of rising interest rates.

Banks are required to apply what’s called a serviceability buffer. That means when you apply for a loan, they don’t just test you at the actual interest rate — they add an extra margin, usually 3%, to make sure you could still afford repayments if rates went up. So if your loan rate is 6%, the bank checks whether you could handle repayments at 9%.

This rule is designed to protect borrowers, but it also means many people qualify for less than they expect.

The good news is that not all lenders apply the same buffer. Some work off 1% or 2%, and with certain lenders, if you take a fixed rate, they’ll lower the buffer even further.

At the end of the day, this is where mortgage brokers make a difference. We can navigate these different policies across 40+ lenders and help you understand which options might give you more borrowing power.



Address

Ballarat, VIC

Telephone

+61400337575

Website

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