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Thinking about buying a home? Check out our mortgage calculators. Estimate your repayments, borrowing capacity and understand all the costs involved.

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Hear From Our Clients

Hear From Our Clients

“

Our expectations were met and exceeded! Excellent customer service and I was very impressed with the way they kept the process going even through the Christmas break when you were closed. Keeping us informed the whole way and friendly service.

Emil & MichelleRefinance
“

Very professional, always available for questions and great advice especially for first home buyer. Very good communication, quick to respond to any query & friendly yet professional. Always very clear about the process and next steps.

SebastienFirst Home Buyer
“

Glenn, Amanda, Hannah, Kayla and the broader team were all fantastic. Amanda dealt with queries so quickly while Glenn was away and went above and beyond when we were modelling scenarios! Everyone is so communicative, polite and a pleasure to deal with. I think communication & timeliness are your biggest strengths as you communicate through the whole process, and everything was dealt with extremely quickly. We never had to follow anything up.

Laura & TimRelocators
“

Great support from Matt. He was responsive, supportive, informative and found the product that worked for us.

Penny & MattPurchase
“

Informative, transparent and very helpful in achieving our goal. Friendly and approachable staff. Very happy with how everything progressed and was followed through.

Adam & WendyLand Purchasers
“

Glenn and the team did a terrific job, from start to finish they took care of everything, they gave us updates every step of the way keeping us at ease. I am very happy I chose Glenn and the team at Black Pen lending and am very appreciative of their hard work.

Khalia & DarylFirst Home Buyers – Regional First Home Grant Guarantee Recipient
“

Matt answered all the questions I had as a first home buyer, without making me feel stupid! Very clear and consistent communication was provided during all my interactions.

MonicaFirst Home Owner – Regional First Home Grant Guarantee Recipient
“

Talked me through the process, options, and practical aspects of finding the right loan for me. Responsive, quick and considered advice. Accessed excellent rates with excellent lender quickly!

LouisaPurchase
“

We were able to meet with Matt quickly, good communication and follow up. Matt and the team made the process quick and seamless.

Teleri & PeterRefinance
“

Kept me in the loop with the process and settlement. Also all being electronic forms is super handy especially when I work similar hours as their office.

JaneInvestor
“

Glenn and the team re so personable as well as efficient and professional. Glenn was so knowledgeable and took his time to explain everything.

Sarah & JakeobRefinance and Restructure
“

Stoked with the experience! Matt & Hannah were very helpful insetting us up for success. Communication was very clear and regular updates were given. In particular, the final communication around the mortgage setup, repayments and account details was super helpful.

Chloe & IsaacFirst Home Buyers
“

Made the whole process easy for me. I felt very secure with the staff’s knowledge.

LisaRefinance
“

Fantastic customer service, the team gets back to you quickly and nothing was ever an issue. Matt and his team make the complicated simple.

Matt & SarahInvestors
“

Not pushy at all, happy to explain things and always available to offer support or answer any questions.

Luke & StaceyExisting Client Review and Refinance
“

Kept us updated throughout the whole process. Ease of communication, plus the team were positive and informative.

Amanda & JasonRefinance

We compare loans from 40+ lenders.

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Want To Learn More?

Contact Us Today!

Please reach out to our team via the below enquiry form or give us a call on 02 6362 1178.


Check Out The Latest From Our Instagram!

Guilty! 🚨👮‍♂️

We love going above and beyond for our clients!

Double tap if you agree❤️

#funny #funoffice #brokers #orangensw #coworkers #boss #firsthome #buyingyourfirsthome #funbrokers

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Guilty! 🚨👮‍♂️ We love going above and beyond for our clients! Double tap if you agree❤️ #funny #funoffice #brokers #orangensw #coworkers #boss #firsthome #buyingyourfirsthome #funbrokers

Guilty! 🚨👮‍♂️

We love going above and beyond for our clients!

Double tap if you agree❤️

#funny #funoffice #brokers #orangensw #coworkers #boss #firsthome #buyingyourfirsthome #funbrokers ...

19 0

What could an extra $50 a week do for your home loan? 💰

We ran the numbers:
💸 $500K loan at 6% over 30 years
➕ Add just $50 extra per week

The result? You`ll save over $100K in interest and cut nearly 5 YEARS off your loan! 🤯

Stop the take out lunches and you could be saving over six figures and getting you mortgage-free years earlier.
Want to see what extra repayments could do for YOUR loan?

Try our calculator via the link in our bio! 👆

#homeloan #extrarepayments #mortgagebroker #blackpenlending #moneysavingtips #loanrepayments #financialtips #orange #homeloans #mortgageadvice #savemoney

15 1
Open
What could an extra $50 a week do for your home loan? 💰 We ran the numbers: 💸 $500K loan at 6% over 30 years ➕ Add just $50 extra per week The result? You'll save over $100K in interest and cut nearly 5 YEARS off your loan! 🤯 Stop the take out lunches and you could be saving over six figures and getting you mortgage-free years earlier. Want to see what extra repayments could do for YOUR loan? Try our calculator via the link in our bio! 👆 #homeloan #extrarepayments #mortgagebroker #blackpenlending #moneysavingtips #loanrepayments #financialtips #orange #homeloans #mortgageadvice #savemoney

What could an extra $50 a week do for your home loan? 💰

We ran the numbers:
💸 $500K loan at 6% over 30 years
➕ Add just $50 extra per week

The result? You`ll save over $100K in interest and cut nearly 5 YEARS off your loan! 🤯

Stop the take out lunches and you could be saving over six figures and getting you mortgage-free years earlier.
Want to see what extra repayments could do for YOUR loan?

Try our calculator via the link in our bio! 👆

#homeloan #extrarepayments #mortgagebroker #blackpenlending #moneysavingtips #loanrepayments #financialtips #orange #homeloans #mortgageadvice #savemoney ...

15 1

Permanent part-time?
Banks are totally fine with it! ✅

If you work set hours (let`s say 20 hours a week) at a consistent hourly rate, banks will use that income no problem.

The tricky bit? Extra hours. If you regularly pick up extra shifts on top of your core hours, banks look at those a bit differently.

Want to know how your part-time income stacks up for a home loan?

Let`s have a chat!
Comment ‘help’ below 👇

#parttimeemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #permanentparttime #buyingahome #orange #loanapproval

2 0
Open
Permanent part-time? Banks are totally fine with it! ✅ If you work set hours (let's say 20 hours a week) at a consistent hourly rate, banks will use that income no problem. The tricky bit? Extra hours. If you regularly pick up extra shifts on top of your core hours, banks look at those a bit differently. Want to know how your part-time income stacks up for a home loan? Let's have a chat! Comment ‘help’ below 👇 #parttimeemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #permanentparttime #buyingahome #orange #loanapproval

Permanent part-time?
Banks are totally fine with it! ✅

If you work set hours (let`s say 20 hours a week) at a consistent hourly rate, banks will use that income no problem.

The tricky bit? Extra hours. If you regularly pick up extra shifts on top of your core hours, banks look at those a bit differently.

Want to know how your part-time income stacks up for a home loan?

Let`s have a chat!
Comment ‘help’ below 👇

#parttimeemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #permanentparttime #buyingahome #orange #loanapproval ...

2 0

Full-time employment = banks` favourite! ✅

Here`s why: set hours, set rate, consistent income. Banks will use your income after just two payslips.

But here`s something most people don`t know, some lenders will actually approve you BEFORE you`ve even started the job!

As long as you`ve got a signed contract and can provide your first payslip before settlement.

Got a new job lined up and want to buy? Let`s chat about your options!

Comment ‘help’ below 👇

#fulltimeemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #relocating #newjob #buyingahome #orange

4 0
Open
Full-time employment = banks' favourite! ✅ Here's why: set hours, set rate, consistent income. Banks will use your income after just two payslips. But here's something most people don't know, some lenders will actually approve you BEFORE you've even started the job! As long as you've got a signed contract and can provide your first payslip before settlement. Got a new job lined up and want to buy? Let's chat about your options! Comment ‘help’ below 👇 #fulltimeemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #relocating #newjob #buyingahome #orange

Full-time employment = banks` favourite! ✅

Here`s why: set hours, set rate, consistent income. Banks will use your income after just two payslips.

But here`s something most people don`t know, some lenders will actually approve you BEFORE you`ve even started the job!

As long as you`ve got a signed contract and can provide your first payslip before settlement.

Got a new job lined up and want to buy? Let`s chat about your options!

Comment ‘help’ below 👇

#fulltimeemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #relocating #newjob #buyingahome #orange ...

4 0

Casual employment and home loans, here`s the reality 👀

Even if you`re earning $80K working full hours, banks might only consider $64K of that income.

Why?
Because casual hours aren`t guaranteed, so lenders shade a portion as a "risk mitigator."

What banks need:
✅ 6+ months in the role
✅ Payslips showing 3-6 months YTD
✅ Then they calculate an annualised figure

Working casual and want to buy? Let`s chat about your options

💬Comment ‘help’ below

#casualemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #orange #casualworker #buyingahome

4 0
Open
Casual employment and home loans, here's the reality 👀 Even if you're earning $80K working full hours, banks might only consider $64K of that income. Why? Because casual hours aren't guaranteed, so lenders shade a portion as a "risk mitigator." What banks need: ✅ 6+ months in the role ✅ Payslips showing 3-6 months YTD ✅ Then they calculate an annualised figure Working casual and want to buy? Let's chat about your options 💬Comment ‘help’ below #casualemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #orange #casualworker #buyingahome

Casual employment and home loans, here`s the reality 👀

Even if you`re earning $80K working full hours, banks might only consider $64K of that income.

Why?
Because casual hours aren`t guaranteed, so lenders shade a portion as a "risk mitigator."

What banks need:
✅ 6+ months in the role
✅ Payslips showing 3-6 months YTD
✅ Then they calculate an annualised figure

Working casual and want to buy? Let`s chat about your options

💬Comment ‘help’ below

#casualemployment #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #orange #casualworker #buyingahome ...

4 0

We’re cool right?... Are we relevant? 😅

➡️ Let us know by double tapping

#funny #funoffice #brokers #orangensw #coworkers #boss #firsthome #buyingyourfirsthome #funbrokers

42 3
Open
We’re cool right?... Are we relevant? 😅 ➡️ Let us know by double tapping #funny #funoffice #brokers #orangensw #coworkers #boss #firsthome #buyingyourfirsthome #funbrokers

We’re cool right?... Are we relevant? 😅

➡️ Let us know by double tapping

#funny #funoffice #brokers #orangensw #coworkers #boss #firsthome #buyingyourfirsthome #funbrokers ...

42 3

POV: You`re a business owner ready to buy... but your accountant did their job TOO well 😅

Made $150K but after deductions your taxable income is only $10K? That`s what the banks look at and it`s not enough to get approved 🏡

If you`re planning to buy property, chat with us BEFORE you lodge your tax return!

Sometimes paying a bit more tax now means you can actually get that loan.

Planning to buy in the next 12 months? Let`s chat BEFORE tax time 👇

#businessowner #taxreturn #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #selfemployed #orange #mortgageadvice

23 3
Open
POV: You're a business owner ready to buy... but your accountant did their job TOO well 😅 Made $150K but after deductions your taxable income is only $10K? That's what the banks look at and it's not enough to get approved 🏡 If you're planning to buy property, chat with us BEFORE you lodge your tax return! Sometimes paying a bit more tax now means you can actually get that loan. Planning to buy in the next 12 months? Let's chat BEFORE tax time 👇 #businessowner #taxreturn #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #selfemployed #orange #mortgageadvice

POV: You`re a business owner ready to buy... but your accountant did their job TOO well 😅

Made $150K but after deductions your taxable income is only $10K? That`s what the banks look at and it`s not enough to get approved 🏡

If you`re planning to buy property, chat with us BEFORE you lodge your tax return!

Sometimes paying a bit more tax now means you can actually get that loan.

Planning to buy in the next 12 months? Let`s chat BEFORE tax time 👇

#businessowner #taxreturn #homeloan #mortgagebroker #blackpenlending #firsthomebuyer #selfemployed #orange #mortgageadvice ...

23 3
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