Ethan Clague - Mortgage Broker

Ethan Clague - Mortgage Broker I help Australians make better property decisions before they buy. First home buyers • Refinancing • Investment

Australia-wide | Free initial chat

04/06/2026

There is always a reason people think it is a bad time to invest.

COVID.
The GFC.
Rates.
Cost of living.

Most people wait for certainty that never comes.

The funny thing is slower markets often create better opportunities because there is less competition and more room to negotiate.

01/06/2026

How’s that for a morning view

29/05/2026

Most investors focus way too much on getting the cheapest rate.

But if you are trying to build a portfolio, borrowing capacity and flexibility usually matter more.

The wrong lender can save you a small amount on rate while costing you your next property later.

25/05/2026

950k in Doonside. How do the numbers look?

21/05/2026

Most investors just hope their property goes up in value.

A better strategy is increasing the value and rent yourself.

Renovating the bathroom and adding a granny flat completely changed the numbers on my property.

17/05/2026

A lot of people are waiting for the “perfect” time to buy property.

Usually because of rates, cost of living, or uncertainty.

But periods like this can actually create better opportunities.

During the post covid boom, buyers were paying huge premiums and rushing decisions because of FOMO.

Now investors have more time to negotiate and buy strategically.

The best opportunities rarely feel comfortable at the time.

15/05/2026

Negative gearing SCRAPPED.
No reason to panic.

12/05/2026

A lot of investors are sitting on usable equity without even realising it.

Their property has grown, but the equity is just sitting there doing nothing.

Experienced investors will often refinance early, access available equity, and park it in an offset account ready for the next opportunity.

That way when a good deal appears, they are ready to move instead of scrambling later.

The investors who scale usually prepare before they need to.

08/05/2026

One of the biggest things that catches investors off guard is borrowing capacity.

It drops faster than most people expect.

A big reason is the buffer banks apply.

Even if your rate is around 6 percent, the bank might assess your loan closer to 9 percent.

That higher rate reduces how much you can borrow.

Example.

You might feel comfortable with your repayments, but the bank is assessing you at a much higher level.

As you add more properties, this compounds and borrowing capacity shrinks.

This is why many investors hit limits earlier than expected.

Understanding how lenders assess deals is key if you want to keep scaling.

07/05/2026

Putting every extra dollar into your loan feels safe.

But it can slow you down.

Once that money is in the loan, it is harder to access.

Example.

That same cash could be used to renovate, increase rent, or help you buy again.

It is not about avoiding debt.

It is about making your money work.

Address

Sydney, NSW

Telephone

+61403333614

Website

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