Ethan Clague - Mortgage Broker

Ethan Clague - Mortgage Broker I help people buy smarter, not just buy. Mortgage broker for anyone who wants personal, honest advice

11/09/2026

New job, one payslip, first home buyer. Here's how we got him pre-approved anyway.

He'd just changed employers and assumed he was locked out for six months.

That assumption is the most common misconception I see from first home buyers.

Same industry, same role, same income. One payslip was all the lender needed.

He's pre-approved and out there looking for his first property right now.

DM me before you assume you can't. The rules aren't always what you think.

10/09/2026

Blacktown houses grew 10.85% last year. Units grew 0.5% over 10 years. Here's exactly what to buy and what to avoid.

600sqm block, older house, granny flat potential. That's the only version of Blacktown worth buying.

Units here are a different story. 417 sales in the past year and a 10-year CAGR of 0.5%. You're paying strata to go nowhere.

Land content is the whole game in this suburb.

DM me and we'll run the numbers on what a Blacktown entry point looks like for you.

08/09/2026

The repayments on this Mount Eliza clifftop estate are $17,000 a week. Here's what that actually buys.

5 bed, 7 bath, 8 car on 6,067sqm of absolute waterfront.

Infinity pool, tennis court, 270-degree views to the Melbourne skyline.

Nobody watching this is buying it. That's not the point.

Location this tightly held doesn't get cheaper. It compounds.

DM me and we'll talk about applying the same logic at your budget.

07/09/2026

3 bed house in Wallsend under $800k. Here's why the driveway access changes everything.

594sqm block, move in ready, nothing urgent to fix.

The driveway runs down the side. That means granny flat potential without the complicated construction logistics most blocks come with.

Wallsend is sitting below median, up over 10% in the last 12 months, and stock on market is basically nothing at 0.3%.

Reno the kitchen and bathroom over time, build the granny flat when the equity allows, and this becomes a self funding asset.

DM me and we'll run the numbers on this one.

06/09/2026

Most people only get interested in property once the headlines turn positive again.

That's the problem. By the time the media is excited, prices have already moved. The opportunity was in the quiet period before confidence returned.

Fear during downturns keeps people out. Then growth happens, headlines change, and suddenly everyone wants in at higher prices.

Smart investors don't wait for permission from the news cycle.

Follow if you want to think about property like an investor, not like a headline reader.

04/09/2026

Refinanced multiple clients this month purely on repayment history. No clean paperwork required.

Doesn't matter if you're self employed or your income looks messy on paper.

Consistent repayments over time tells a lender everything they need to know.

Seeing rate drops of 0.5% to 1.5% right now. On a $600k loan, 1% is $6,000 a year back in your pocket.

Haven't reviewed your rate in 12 months? DM me and we'll find out in 10 minutes.

03/09/2026

You can still buy a house in this NSW suburb for under $700k, and it's growing at 13% annually.

Kurri Kurri NSW. Median sits between $670k-$690k depending on the source.

Stock on market is just 0.38%. Tightly held, moves fast when good stock hits.

Older homes on 500-800sqm blocks with granny flat potential are basically the standard here, not the exception.

35km from Newcastle with Hunter Expressway access and the numbers still stack up.

DM me and we'll run the numbers on Kurri Kurri.

02/09/2026

Penrith units grew 3.7% last year. Pelaw Main houses grew 13.66%. Same price point.

$600k gets you a 57sqm apartment in Penrith or a 663sqm house in the Hunter.

One has 517 competing unit sales a year and 8,400 more dwellings coming by 2029.

The other is below median, on land, with granny flat potential sitting right there.

You can't renovate away a 2.2% growth rate.

DM me and we'll run the numbers on your $600k.

01/09/2026

$29.95 million in South Yarra and the weekly repayments alone are $33,000.

Here's what that actually buys you.

Private lift, wine room, cinema hall, two kitchens because apparently one wasn't enough.

But the real lesson isn't the mansion. It's the postcode.

Prestige suburbs don't get cheaper, and that growth pulls the suburbs around them up too.

DM me and we'll find the best location your budget actually allows.

31/08/2026

Schofields units grew 4.35% last year. St Clair houses grew 11.79%. Same price point.

$1M in Western Sydney gets you a brand new 177sqm apartment in Schofields or a 625sqm house in St Clair.

The apartment looks better on paper. New, big floorplan, well finished.

But it's $321k above the unit median with 463 competing sales a year and more supply still coming.

The house is below median, on land, with granny flat upside and moves in 10 days.

One's a lifestyle purchase. One's an asset.

DM me and we'll run the numbers on which one actually builds you a portfolio.

Address

Sydney, NSW

Telephone

+61403333614

Website

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