Shane Croot Mortgage Broker

17/09/2026

🏡💰 Want to get ahead on your home loan? An offset account could help.

An offset account is linked to your home loan, and the money sitting in it is used to reduce the balance your lender calculates interest on.

For example, if you have a $600,000 home loan and $50,000 in your offset account, you may only be charged interest on $550,000. 🙌

That could mean less interest paid over the life of your loan and potentially paying off your home sooner — while still giving you access to your money when you need it. 🔑✨

Smart savings. Less interest. More control.

📩 Send me a DM if you have any questions

11/09/2026

07/09/2026

🏡 Sometimes the win comes later.

I may not have helped this family secure their original home loan, but when the opportunity came to review their loan, I was able to step in and help.

By refinancing their home loan to a better interest rate, we were able to reduce their repayments and potentially save them thousands of dollars over the life of their loan. 💰

It’s a great reminder that your home loan shouldn’t just be “set and forget”.
Rates, circumstances and the lending landscape change — and sometimes a simple review can uncover an opportunity to save.

I am here for more than just getting you into your home. I am here to help you make your home loan work harder for you.

Thinking your interest rate could be better?

📩 Send me a message — let’s review it together.

31/08/2026

🏡 Fixed or variable home loan rate — which one is right for you?

FIXED RATE 🔒
Your interest rate stays the same for a set period, giving you more certainty around your repayments and making budgeting easier.

VARIABLE RATE 📈📉
Your interest rate can move up or down over time. This means your repayments may change, but you could benefit if rates decrease.

✨ The right choice depends on your financial situation, goals and how much flexibility or certainty you want.

Thinking about buying, refinancing or reviewing your home loan? Understanding your options is the first step. 🔑

27/08/2026

24/08/2026

🏡 First home dreams unlocked! 🔑✨

A huge congratulations to this amazing couple on securing their very first home! By utilising the 5% Deposit Scheme, they were able to take that exciting step into the property market sooner than they thought possible.

Wishing you both so many happy memories in your new home! 🏠🤍

18/08/2026

🏡 How long does a home loan pre-approval last?

In most cases, a home loan pre-approval is valid for 3–6 months, depending on your lender.

If you haven’t found the right property before it expires, don’t stress! Your mortgage broker can usually help you renew or extend your pre-approval by updating your financial information.

💡 Keep your broker informed while you’re house hunting so you’re ready to act when you find the perfect home.

Have questions about pre-approval or buying your first home? Get in touch—I’m here to help! 📩

12/08/2026

Here’s to new beginnings, muddy paw prints, cosy corners and making memories that last a lifetime. 🏡🐾

07/08/2026

So, what is LMI?

LMI is insurance that protects the lender if a borrower can’t repay their home loan. It’s commonly payable when you’re borrowing more than 80% of a property’s value (meaning you have less than a 20% deposit).

You may pay LMI if:
✔️ Your deposit is less than 20%.
✔️ Your lender requires it.

You may not pay LMI if:
✅ You have a 20% or greater deposit.
✅ You qualify for an LMI waiver through your lender.
✅ You’re eligible for a government guarantee scheme that lets eligible buyers purchase with a smaller deposit without paying LMI.

The good news? Paying LMI isn’t always a bad thing—it can help you buy a home sooner instead of waiting years to save a bigger deposit.

Every lender assesses LMI differently, so understanding your options could save you thousands.

📩 Thinking about buying but not sure where you stand? Send me a DM or get in touch—I’d be happy to help you understand your borrowing options