Global Pathway Finance

Name: Global Pathway Finance
Address: 8/175 main Street, Osborne Park, Perth, WA, 6017, AU
Telephone: +61406151373

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Global Pathway Finance

Global Pathway Finance supports the Bhutanese community and wider Perth community with trusted home-loan guidance.

Your pathway to smarter finance starts here with trust. https://calendly.com/florian-globalpathwayfinance/30min

10/09/2026

𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬 & 𝐓𝐚𝐬𝐡𝐢 𝐃𝐞𝐥𝐞𝐤, 𝐃𝐡𝐞𝐧𝐝𝐮𝐩 & 𝐟𝐚𝐦𝐢𝐥𝐲 ! 🏡 🔑

Congratulations on securing this beautiful home! Wishing you and your family many years of happiness and wonderful memories ahead.

Thank you for trusting Global Pathway with your journey. 🙏
Will See you soon!

𝐘𝐨𝐮𝐫 𝐏𝐚𝐭𝐡𝐰𝐚𝐲 𝐭𝐨 𝐒𝐦𝐚𝐫𝐭𝐞𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐞.
🏢 𝐆𝐥𝐨𝐛𝐚𝐥 𝐏𝐚𝐭𝐡𝐰𝐚𝐲 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐏𝐭𝐲 𝐋𝐭𝐝
🏛️ 𝐇𝐞𝐚𝐝 𝐎𝐟𝐟𝐢𝐜𝐞
𝐒𝐮𝐢𝐭𝐞 𝟖, 𝟏𝟕𝟓 𝐌𝐚𝐢𝐧 𝐒𝐭𝐫𝐞𝐞𝐭, 𝐎𝐬𝐛𝐨𝐫𝐧𝐞 𝐏𝐚𝐫𝐤
𝐖𝐞𝐬𝐭𝐞𝐫𝐧 𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚 𝟔𝟎𝟏𝟕
📞: +𝟔𝟏 𝟒𝟐𝟎𝟖𝟒𝟏𝟕𝟔𝟖/+𝟔𝟏 𝟒𝟎𝟔 𝟏𝟓𝟏 𝟑𝟕𝟑
✉️: 𝐢𝐧𝐟𝐨@𝐠𝐥𝐨𝐛𝐚𝐥𝐩𝐚𝐭𝐡𝐰𝐚𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞.𝐜𝐨𝐦.𝐚𝐮

🌐: 𝐰𝐰𝐰.𝐠𝐥𝐨𝐛𝐚𝐥𝐩𝐚𝐭𝐡𝐰𝐚𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞.𝐜𝐨𝐦.𝐚𝐮
❇️: 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 | 𝐂𝐀𝐑 𝐋𝐎𝐀𝐍 | 𝐁𝐔𝐒𝐈𝐍𝐄𝐒𝐒 𝐋𝐎𝐀𝐍|

09/09/2026

🏡 Perth Property Market Weekly Update!

More homes are coming onto the market, giving buyers more choice and opportunity. If you’ve been thinking about buying your first home or investing, this could be a great time to understand your options.

𝐘𝐨𝐮𝐫 𝐏𝐚𝐭𝐡𝐰𝐚𝐲 𝐭𝐨 𝐒𝐦𝐚𝐫𝐭𝐞𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐞.
🏢 𝐆𝐥𝐨𝐛𝐚𝐥 𝐏𝐚𝐭𝐡𝐰𝐚𝐲 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐏𝐭𝐲 𝐋𝐭𝐝
🏛️ 𝐇𝐞𝐚𝐝 𝐎𝐟𝐟𝐢𝐜𝐞
𝐒𝐮𝐢𝐭𝐞 𝟖, 𝟏𝟕𝟓 𝐌𝐚𝐢𝐧 𝐒𝐭𝐫𝐞𝐞𝐭, 𝐎𝐬𝐛𝐨𝐫𝐧𝐞 𝐏𝐚𝐫𝐤
𝐖𝐞𝐬𝐭𝐞𝐫𝐧 𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚 𝟔𝟎𝟏𝟕
📞: +𝟔𝟏 𝟒𝟐𝟎𝟖𝟒𝟏𝟕𝟔𝟖/+𝟔𝟏 𝟒𝟎𝟔 𝟏𝟓𝟏 𝟑𝟕𝟑
✉️: 𝐢𝐧𝐟𝐨@𝐠𝐥𝐨𝐛𝐚𝐥𝐩𝐚𝐭𝐡𝐰𝐚𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞.𝐜𝐨𝐦.𝐚𝐮

🌐: 𝐰𝐰𝐰.𝐠𝐥𝐨𝐛𝐚𝐥𝐩𝐚𝐭𝐡𝐰𝐚𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞.𝐜𝐨𝐦.𝐚𝐮
❇️: 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 | 𝐂𝐀𝐑 𝐋𝐎𝐀𝐍 | 𝐁𝐔𝐒𝐈𝐍𝐄𝐒𝐒 𝐋𝐎𝐀𝐍|

08/09/2026

🏡 Saving a 20% deposit is not always necessary.

One of the biggest myths in buying your first home is believing you must save a full 20% deposit before you can even start.

The reality is, depending on your circumstances, you may have options to buy sooner with a smaller deposit. Lenders Mortgage Insurance (LMI) is one pathway that may help eligible buyers enter the property market earlier and start building equity sooner.

At Global Pathway Finance, we take the time to understand your situation and explain your borrowing options honestly and clearly.

If you’re thinking about buying your first home, let’s have a free consultation and see what may be possible for you. 🙏

📞 0420 841 768
🏡 Global Pathway Finance
Your Pathway to Smarter Finance.

Disclaimer: Eligibility, deposit requirements and loan options vary depending on individual circumstances and lender criteria. LMI is subject to lender approval and applicable lending policies.

08/09/2026

🏡 When was the last time you reviewed your home loan?

You could be paying more than you need to!

💰 Up to $3,000 Cashback for eligible refinances
📉 Competitive rates currently in the high 5% range for eligible borrowers/products
✅ We review your rate, repayments & loan structure
🤝 No cost to you

If there’s a better option, we’ll show you. If your current loan is already competitive, we’ll tell you that too.

📞 Global Pathway Finance | 0420 841 768
Your Pathway to Smarter Finance.

T&Cs, eligibility and lender criteria apply. Rates and offers are subject to change.

07/09/2026

Weekly Perth Property Market Update

This week we had 699 properties sold, which is up from last week.

At the same time, we now have 7,352 properties listed for sale, compared with 6,852 four weeks ago.

What I’m noticing is that the number of listings is still increasing, but the week-to-week increase is starting to look fairly small. At the same time, sales are picking up.

To me, this is starting to look like the Perth market is stabilising a little.

We’re not seeing the crazy competition we had during the really strong part of the market, but we’re also not seeing buyers completely disappear.

For buyers, I actually think this is a pretty good environment. There are more properties to choose from, you don't have to rush as much, and there is a bit more room to negotiate.

Obviously every suburb and price range is different, but I’ll keep posting these updates each week and we can see how things develop.

04/09/2026

How much deposit do you actually need to buy a house?

I get this question all the time from our Bhutanese first home buyers.

A lot of people think they need 20% deposit before they can even start looking.

That's not always the case.

For example, if you're eligible for the Home Guarantee Scheme, you could potentially buy with as little as 5% deposit and avoid LMI.

So if you're looking at an $850,000 property in Perth:

5% deposit = $42,500

But remember, you still need money for the other buying costs such as stamp duty, settlement and legal fees.

So in reality, you're looking at around $81,500 all up for an $850k purchase in WA, depending on your individual costs.

And if you have more than 5% saved, there are other options too.

For example, we have lenders that can potentially allow eligible borrowers to go up to 90% LVR without LMI.

The important thing is that you don't necessarily need to wait until you've saved 20%.

I've had quite a few Bhutanese clients who thought they were still years away from buying, only to find out that they were actually much closer than they thought.

Obviously, having the deposit is only one part of getting a home loan. We also need to look at your income, expenses, debts, credit history and how much the bank is willing to lend.

So if you're Bhutanese and thinking about buying your first home in Perth, don't just assume you need 20% deposit.

Give me a call and let's have a look at your situation.

03/09/2026

🏡 Tashi Delek & heartfelt congratulations to Dorji & Kinley! 🎉

So happy to see this hardworking couple secure their beautiful family home. ❤️ We’re especially happy that we could help find this beautiful place for you and be part of your journey.

Thank you for trusting Global Pathway Finance. 🙏

Well deserved — we’ll see you soon! 🏡🔑

𝐘𝐨𝐮𝐫 𝐏𝐚𝐭𝐡𝐰𝐚𝐲 𝐭𝐨 𝐒𝐦𝐚𝐫𝐭𝐞𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐞.

🏢 𝐆𝐥𝐨𝐛𝐚𝐥 𝐏𝐚𝐭𝐡𝐰𝐚𝐲 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐏𝐭𝐲 𝐋𝐭𝐝
🏛️ 𝐇𝐞𝐚𝐝 𝐎𝐟𝐟𝐢𝐜𝐞
𝐒𝐮𝐢𝐭𝐞 𝟖, 𝟏𝟕𝟓 𝐌𝐚𝐢𝐧 𝐒𝐭𝐫𝐞𝐞𝐭, 𝐎𝐬𝐛𝐨𝐫𝐧𝐞 𝐏𝐚𝐫𝐤
𝐖𝐞𝐬𝐭𝐞𝐫𝐧 𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚 𝟔𝟎𝟏𝟕
📞 +𝟔𝟏 𝟒𝟐𝟎 𝟖𝟒𝟏 𝟕𝟔𝟖 | +𝟔𝟏 𝟒𝟎𝟔 𝟏𝟓𝟏 𝟑𝟕𝟑
✉️ 𝐢𝐧𝐟𝐨@𝐠𝐥𝐨𝐛𝐚𝐥𝐩𝐚𝐭𝐡𝐰𝐚𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞.𝐜𝐨𝐦.𝐚𝐮
🌐 𝐰𝐰𝐰.𝐠𝐥𝐨𝐛𝐚𝐥𝐩𝐚𝐭𝐡𝐰𝐚𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞.𝐜𝐨𝐦.𝐚𝐮

❇️ 𝐇𝐎𝐌𝐄 𝐋𝐎𝐀𝐍 | 𝐂𝐀𝐑 𝐋𝐎𝐀𝐍 | 𝐁𝐔𝐒𝐈𝐍𝐄𝐒𝐒 𝐋𝐎𝐀𝐍

03/09/2026

This week's wins 🙌

Had two Bhutanese clients come to see us this week who were both in casual employment for less than 6 months.

One had already gone to his own bank and been rejected.

The other had spoken to another broker and was told, “You need to wait 6 months.”

Neither situation was as simple as that.

We went through their full employment history, income, current situation and overall application, and after looking at different lenders, we found a lender for both of them.

And importantly, we were able to look at major lenders as well, not just some obscure lender.

This is probably one of the biggest reasons I always say don't take a “no” from one bank as a “no” from every bank.

Every lender has different policies around casual employment, overtime, previous employment and how they look at your income.

Sometimes you just need to find the lender that fits your situation.

Both clients came to us thinking they would either have to wait or couldn't get a loan.

Now they're both moving forward with their plans to buy.

That's what we love doing at Global Pathway Finance — finding a way when it isn't always straightforward.

If you're Bhutanese and you're not sure whether your employment situation will work for a home loan, feel free to give me a call. Happy to have a look before you start making applications everywhere.

03/09/2026

🇧🇹 INTRODUCING OUR BHUTAN UNDER-14 TEAM 🏀🌟

Through the Druk Jr Basketball Camp, Perth Bhutan Association Incorporated has been training young Bhutanese boys and girls—helping them build their basketball skills, confidence, discipline and teamwork.

We are now proud to introduce our Bhutan Under-14 Team, who will represent the Bhutanese community in the upcoming tournament. 🇧🇹💪

This tournament will give our young players valuable competitive experience and an opportunity to test their skills, grow as a team and proudly represent Bhutan on the court.

PBAI is not only a tournament organiser. We are committed to identifying young talent, developing future players and creating opportunities for the next generation of Bhutanese basketball.

To our Under-14 players: play with confidence, support one another and wear the Bhutan jersey with pride. Your community is behind you! ❤️🇧🇹

A special thank you to the coaches, volunteers and parents supporting the Druk Jr Basketball Camp and preparing our players for this opportunity.

THE NEXT GENERATION IS READY! 🏀🔥

02/09/2026

Paid LMI when you bought your house? It might be worth checking if you can get some of it back.

This is something I think a lot of people don't know about.

I've had clients who bought their property with a small deposit and paid LMI. A few months later, the property value had gone up enough that we were able to refinance at a lower LVR.

In some cases, the original lender can also provide a partial LMI refund when the loan is paid out early. The amount depends on the lender, LMI insurer and how long you've had the loan.

For example, we recently had a client who bought with a 90% LVR loan through ANZ. After the property increased in value, we refinanced based on the new valuation and they received around $4,000 back in LMI.

That's $4,000 they weren't expecting.

And it's not just about the LMI refund.

If your property value has increased and your LVR has dropped below 80%, you may also be able to get a better interest rate and potentially save money on your home loan.

This is why I always tell my clients, don't just set up your home loan and forget about it.

Your situation and the value of your property can change quite a lot over a few years.

If you bought your home with LMI, especially with a low deposit, it might be worth getting your broker to have a look at your current valuation and loan.

You might be sitting on some equity without even realising it.

And if you're one of our Bhutanese clients and want me to have a look at your situation, just send me a message. Happy to check it out.

Address

8/175 Main Street, Osborne Park
Perth, WA
6017

Telephone

+61406151373

Website

https://calendly.com/florian-globalpathwayfinance/30min, https://calendly.com/florian-globalpathwayfinance/30min

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