Too much conflicting bank info out there? We get it. 🏦
That's probably why 81.6% of new loans are now written through brokers, not banks directly. We've got access to 50+ lenders, we work for you (not them), and it doesn't cost you a cent.
Makes you think though.. there is still a good chunk of people using banks, why? 🤔
If you're one of these people, we'd love to hear from you!
#blackpenlending #mortgagebroker #orangensw #homeloan #firsthomebuyer
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Thinking about fixing your rate? Don't wait around. 👀
A client umm'd and ahh'd over the weekend about fixing his rate, and by Monday morning his bank had already bumped fixed rates up 0.2%.
That's how fast it moves.
If you're nervous about where variable rates are headed, get onto it now. We'll run you through your options in five minutes.
Give us a buzz 📞
Or click the link in our bio
#blackpenlending #mortgagebroker #orangensw #interestrates #homeloan
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Its the thought that counts…
Anyway, we have merch! And not to be bias but we think its the best merch going around… 😂
So if you want to be apart of the elite club, drop in and get yours today!
#merch #brokers #firsthomebuyers #orangensw
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Quick tips from the Black Pen Lending team! 🗒️
I think it’s safe to say… Get pre-approved!!
If your planning to buy this year, come chat to us today to start the process
#firsthomebusers #buyingahome #quicktips #brokertips
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Sorry… its apart of our contract now…
Double tap if you want to see more of the team!
#team #officehumour #staffhighlights
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Brace yourselves.
Another rate rise is looking likely before the end of the year, all four big banks agree. 😬
That means higher repayments if you're on a variable loan, and less borrowing power. Add $18 pies at the footy into the mix and no wonder budgets are stretched.
Want to know what it means for you? Let's chat 📞
#blackpenlending #interestrates #mortgagebroker #orangensw #firsthomebuyer
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Happy Father’s Day!!!
To celebrate the teams has put together a dad joke competition! 🤣
Who do you think won? Let us know in the comments 💬
We hope all the dads out there are having a fantastic day! 👍
#fathersday #happyfathersday #dadsday!
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You don't need a 20% deposit to buy your first home 🏡
The First Home Guarantee lets eligible buyers in with just 5%, no LMI, no income caps ✅
Want to know what you could qualify for? Give us a call
02 6362 1178 or head to the link in bio.
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #homeloan
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We don't just pre-approve you for what you asked for 👀
Say you want to buy around $700K, we might get you approved for $780K instead. Not so you spend it all, but so you're not stuck if rates move or the right place costs a bit more 💪
That's the buffer doing its job. Starting your buying process? Call us 02 6362 1178 or visit the website to get pre-approved properly.
#blackpenlending #mortgagebroker #orangensw #preapproval #homeloan
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Last chance! 🚨
Win a V6 Ford Ranger Black Edition worth $62,000 drive away. But here's the thing, every ticket sold helps Ronald McDonald House keep families together when their kids need treatment.
So you're not just chasing a dream car, you're helping real families.
Grab your tickets before they're gone, link in our bio 🎟️
#blackpenlending #orangensw #ronaldmcdonaldhouse #lastchance #winacar
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Your bank can only sell you their own products.
A broker compares across lenders and that difference could save you thousands. 💰
Don't lock in the first rate you're offered. Let's see what's actually out there for you.
Comment 'HELP' or give us a call 📞 02 6362 1178
#blackpenlending #mortgagebroker #orangensw #homeloans #refinancing
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Got an offset account? Go check it. Today. 👀
ASIC just found 200,000 home loans across Australia had offset accounts that weren't linked correctly, meaning people were quietly paying more interest than they should've been.
$55 million has already been refunded, and ASIC's still investigating.
If you're a Black Pen client, breathe easy. Checking your offset is linked correctly (and staying on the bank's case about it) is just part of how we do things.
Worried about yours? Call your bank, or chat to us 📞
#blackpenlending #mortgagebroker #orangensw #homeloan #offsetaccount
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Confession: your bank statement doesn't scare us. 😅
Chaotic spending in your 20s? Have every streaming subscription?
We've all been there.
What actually matters is where you stand right now and how to get you approved.
We promise you, we won’t judge you! 😂
If you’re thinking of buying, reach out today. 📞
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #homeloan
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We will get it done somehow….
Share this with a coworker to make them laugh!
#funnoffice #brokers #firsthomebuyers #buyingahome
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Thinking about buying your first investment property? 🏡
Running the basic numbers is a start, but the basic numbers aren’t the real numbers.
Have you factored in vacancy periods? Maintenance and repairs? Tenant turnover? And what happens when interest rates rise, your repayments increase… but your rent stays the same?
Suddenly, that investment that looked great on paper could be costing you money every month.
Smart investors look deeper before they buy.
So if you’re thinking about your first investment property, let’s run the real numbers, not just the easy ones. Let's start with a call.
#propertyinvestment #firsttimeinvestor #propertyinvestor #investmentproperty #blackpenlending
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No employees were harmed in the making of this reel 😂
Share with a coworker who knows how this feels!
#officehumour #funnyoffice #brokers #firsthomebuyers
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Do you want to win a Ford Ranger? 👀
We have the Ford Ranger Black Edition from Leahey Auto Group in the front entrance at Orange City Centre until Friday the 21st of August!
All you have to do is come on down, buy a ticket and fill out your name, email and phone number and you’re in the draw! 🤩
$20 a ticket, or 10 for $150! 🎟️
Enter for your chance to win!
#fordranger #competition #charity #fordrangerblackedition #ronaldmcdonaldhouse
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Expectations vs reality!
It can be a rollercoaster that’s for sure! But we try to make sure your home buying journey is as smooth as possible! With a few laughs in there as well, because why not!
Are you planning to buy soon? Let’s chat!
Click the link in our bio or give us a call today
#buyingyourfirsthome #firsthomebuyers #homeowners #sellingyourhome
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Thinking about buying your first investment property? 🏠
Before you start scrolling through listings, there are a few mistakes we see all the time.
One of them catches people who think they've already got it sorted 👀
Share this post with someone who is thinking of investing!
We can give you the real numbers, give us a call 📞
#blackpenlending #mortgagebroker #orangensw #propertyinvestor #firsthomebuyer
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Who is ready? I feel it will be top of the charts on Netflix 📈
Double tap if you agree ❤️
#netflixdoco #brokers #funoffice #firsthomebuyers
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Picture this.
3 weeks from now. You're sitting in a BRAND NEW $62K Ford Ranger. 🚙✨
How good would that feel?
All you need to do is buy your raffle tickets!
Every ticket sold helps Ronald McDonald House keep families together when their kids need treatment.
So you're not just chasing a dream car, you're helping real families.
Click the link in bio and grab your ticket before they're gone 👆
#blackpenlending #mortgagebroker #orangensw #fordrangeraffle #newcar #dreamride
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"We're now in a much better position." ⭐
Glenn helped our clients refinance to a rate that actually makes sense, walked them through it clearly, and genuinely cared about getting them sorted.
Now they're saving money every month. And they've got peace of mind.
That's the difference between a good broker and a great one.
Thanks for the trust 🙌
#blackpenlending #mortgagebroker #orangensw #refinance #testimonial #5stars
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Win a $62K Ford Ranger. 🚙
Settle your home loan with us between now and August 29th, and we'll buy you a raffle ticket.
Every ticket sold supports Ronald McDonald House Charity Central West – giving families a safe place to stay when their kids need treatment.
Win a car. Help families in crisis.
Buy a raffle ticket via the link in our bio �
#blackpenlending #mortgagebroker #orangensw #fordrangeraffle #raffle #Ronald McDonaldHouse #supportlocal
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Why choose Black Pen Lending? 🤔
Because we're brokers who actually care about YOUR situation, not just closing the deal.
We'll run the real numbers. We'll answer the questions you're too embarrassed to ask. We'll be straight up about what works and what doesn't.
No jargon. No pressure. Just honest advice.
Ready? Let's chat 📞
#blackpenlending #mortgagebroker #orangensw #homeloan #whychooseus #trustmatters
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No deposit? There's actually a way. 🏠
It's called a family guarantor.
Your parents use their home equity to back your loan. They're not giving you money - they're just saying they'll cover it if you can't.
The bank feels secure. You get the house. And you skip the tens of thousands in Lenders Mortgage Insurance.
Keep your savings for the stuff that matters - renovations, furniture, actually living in it.
It's powerful. But it's also serious. Let's make sure everyone knows what they're signing up for.
📞 Talk to us about guarantors
#blackpenlending #mortgagebroker #orangensw #familyguarantor #firsthomebuyer #homeloan
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EOFY + Disco Cowboy = this crew. 🤠🪩✨
When the dress code is disco cowboy, you commit! We couldn’t keep these photos to ourselves.
A great way to wrap up another financial year with plenty of laughs, good company and a chance to celebrate an incredible team.
Here’s to another big year ahead!
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Life with a boss… it really does change the atmosphere doesn’t it?
Share this with a work mate to make them laugh!
#funoffice #brokers #firsthomebuyers #officehumour
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Earning $150K together? Here's what you can actually afford. 💰
Banks will lend you $750K-$900K. But that's not the same as what you should borrow.
Real talk: $3,600/month mortgage leaves you $5,900 for everything else. Rates, insurance, groceries, fuel, car stuff.
You've got breathing room. But only if you're realistic about it.
Want to see YOUR numbers?
We've got a free borrowing calculator on our site. Or call us and we'll walk through it properly.
#blackpenlending #mortgagebroker #orangensw #homeloan #couples #firsthomebuyer #borrowingpower
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100 five-star reviews. 🌟
Honestly? We're blown away.
This isn't just about us, it's about every client we've helped get into their first home, refinance to better rates, or build their investment portfolio.
You trusted us with one of the biggest decisions of your life. That means everything.
Thanks for the love. We'll keep showing up for you.
#blackpenlending #mortgagebroker #orangensw #thankyou #5stars
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Just needs the reminder! 😁
Share this with a coworker to make them laugh 😂
#funoffice #funnyteam #brokers #firsthomebuyers
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If your dog is sick? You take it to the Vet
Car is having issues? Take it to the mechanic
Buying a home? You go to chat got, YouTube, TikTok, friends, google…
How about, you call Black Pen Lending instead?
We are happy to help! �Click the link in our bio or give us a call!
#FirstHomeBuyer #brokers #homebuying #housebuying
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Been with the same bank for years? 🏦
Your rate might not be keeping up with the market.
A quick switch could save you hundreds every month.
The best part? We do the heavy lifting. You just sit back.
📞 See how much you could save
#blackpenlending #mortgagebroker #orangensw #refinance #SaveMoney
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Guys! We have gone viral!! 😱📈
Follow us before we get too famous 🤩
#brokers #firsthomebuyers #homeloans #buyingahome
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Tag someone who needs to see this 👇
Thinking of buying your first home?
�Are you getting too much conflicting advice? �Hearing too many confusing terms?�
We get it. And we've literally helped hundreds of people navigate it.
We can help, let’s start with a call. 📞
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #homeloan
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First home buying advice coming from everywhere? 🤔
Uncle Dave says wait for rates to drop. Your mum says buy NOW. Your mate says you need 20% down. Someone on TikTok says 5%. And you're just sitting there like... where do I start?
That's the noise we cut through.
We look at YOUR situation - your income, your savings, your actual goals - and tell you what's really possible. No jargon. No pressure. Just honest advice.
Feeling overwhelmed? That's what we're here for.
📞 Give us a call
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #homeloan #buyingyourfirsthome #confused
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Just another normal day filming content 😂
Comment below if this made you laugh! 👇🏼
#funny #bloopers #blackpenlending #mortgagebroker #behindthescenes
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Business owners: Tax time trap ahead ⚠️
If you claim every deduction on your tax return to reduce your tax bill, you might accidentally reduce your borrowing power for a home loan.
Here's why: Banks look at your taxable income. Lower taxable income = less you can borrow.
So if you're planning to buy property in the next 6-12 months, you need to balance tax minimisation with borrowing power.
What to do: Talk to us BEFORE your tax return. Chat with your accountant about your property plans so they can structure it right for you.
Get it sorted now, not later.
📞 Give us a call
#mortgagebroker #businessowner #taxtime #homeloan #borrowingpower
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Tax time? Perfect time to get your finances sorted. 📋
Before you start house hunting:
Check your credit score. Gather income proof. Close unused credit cards (yes, even the ones with zero balance). Pay down debt if you can.
Every dollar counts when it comes to borrowing power.
Planning to buy soon? Let's get you pre-approved 📞
#blackpenlending #mortgagebroker #orangensw #taxtime #borrowingpower #homeloan #firsthomebuyer #preapproved
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Black Pen Lending | Mortgage Brokers | Finance Specialists has just launched some new winter merch… beanies… and what better way to do a hard launch than with an absolute stud as a model! Great areas Mason!
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Anyone else have these moments? 🎶
Share this with someone to make them laugh! 🤣
#wilsonphillips #funoffice #brokers #firsthomebuyers
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Black Pen Lending is back as a major sponsor for this year’s Ronald McDonald Charity Ball!
This charity is special to Glenn and his family, which is a big reason why we are on board as a sponsor and give back to Ronald McDonald house.
If you’re a client and settle a loan with us between now and the 29th of August, we will buy you a ticket to go into the draw! 🤩
You can support this amazing cause and be in the draw to win a Ford Ranger through the link in our bio 🔗
#charity #ronaldmcdonald #ronaldmcdonaldhouse #blackpenlending #win
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It’s always a battle! 😂
Share this with your work colleagues!
#funoffice #brokers #buyingfirsthome #coworkers
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Did you know Black Pen Lending are sponsors for the Ronald McDonald Charity Ball? 🤩
You can purchase a ticket to be in the draw to win a V6 Ford Ranger Black Edition valued at $62,000! 🚙
And what’s even better, is that if you’re a client and settle a loan with us between now and the 29th of August, we will buy you a ticket to go into the draw!
Click the link in our bio for more information 🔗
#blackpenlending #win #charity #ronaldmcdonaldhouse #fordranger
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Negative gearing removal - is it fair? 🤔
Here's the thing: negative gearing is temporary. Most people use it for a few years while their property appreciates.
Most everyday investors aren't trying to screw the system. They're just trying to build wealth and create a legacy.
Trying to figure out how the changes affect YOUR situation?
Let's chat 📞
#mortgagebroker #negativegearing #investmentproperty
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Different borrowing power. 🤔
Your living situation, car payments, credit card limits - they all affect how much you can borrow.
Want to know exactly what YOU can borrow?
Check out our calculator on our website. Link in bio.
#mortgagebroker #BorrowingPower #homeloan #FirstHomeBuyer
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Working hard over here! 😂
Share this with your work colleagues to make them laugh!
#funoffice #collegues #broker #funnyoffice
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Albanese's budget just dropped.
Here's what it means for property buyers and investors. 📋
Negative gearing changing from July 2027. Only new builds can be negatively geared - established properties? Losses offset property income only.
Capital gains tax is changing too. 50% discount being replaced with cost base indexation and a 30% minimum tax from July 2027.
If you bought investment property before May 12, 2026, you're grandfathered. Nothing changes.
First home buyers? Nothing really changes for you.
Budget got you confused? Give us a call 📞
#australianbudget #negativegearing #capitalgainstax #investmentproperty
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Kayla’s a ball of sunshine ☀️
Share this to your coworker for a laugh 😂
#officehumour #funny #relatable #orangensw #blackpenlending
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What is a guarantor? 🏠
A guarantor is someone (usually a parent or family member) who uses the equity in their home to back your home loan.
Here's how it works:
You want to buy a $1M house with a $50K deposit (5%).
Your parents go guarantor and use their home equity to cover the gap.
Result? You skip the $80K+ Lenders Mortgage Insurance and get into the market sooner.
Thinking about using a guarantor? Let's talk through your options 📞
#blackpenlending #guarantor #mortgagebroker #orangensw #firsthomebuyer #homeloan
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"As first-time buyers, we had plenty of questions..."
⭐⭐⭐⭐⭐
This is what it's all about, making the process feel less overwhelming for people buying their first home.
When you're doing it for the first time, everything feels confusing. That's why we take the time to explain every step, answer every question, and make sure you actually understand what's happening.
No jargon. No rushing. Just clear, patient guidance from start to finish.
Thanks for trusting us with your first home journey 🙌
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer
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Whoops! That was a good save by Rhian 😅
➡️ Share this with a work colleague!
#funoffice #brokers #firsthomebuyers #orangensw
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Same salary. Your mate can borrow $200K more than you. How? 🤔
It's not what you earn - it's what you owe.
Your mate? No debts. Clean slate.
You? Brand new car with $2,000/month repayments.
The bank sees that $2K going out every month and slashes your borrowing power.
Want to borrow more? Clear your debt first. Pay off the car loan, close unused credit cards, ditch the afterpay.
Your borrowing power will jump.
Let's work out what YOU can borrow 📞
#blackpenlending #mortgagebroker #orangensw #borrowingpower
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How do I check my credit score? 🤔
Great news - there are free websites where you can check it right now.
Where to check:
✅ Equifax
✅ Illion
✅ Experian
What you're looking for:
600+ = Decent, major banks will look at you
800+ = Strong score, you're in good shape
1000 = Top tier, banks will love you
Anything under 600? Major banks probably won't touch it.
But there are second-tier lenders who will, just expect higher interest rates and fees.
Also check: Make sure you're up to date with ALL loan repayments. Banks look at up to 2 years of history, so missed payments will show up.
If you want help checking your credit score, give us a call 📞
#creditscore #mortgagebroker #homeloan #firsthomebuyer
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Oopsie! 😂
➡️ Share this with a work colleague to make them laugh
#WorkplaceHumour #funoffice #brokers #firsthomebuyers
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34-37 to buy your first home? Not in regional Australia 🏡
The average first home buyer age in Aus is between 34-37. But in regional areas? It's 24-29.
Why the massive difference?
House prices in regional areas are way more realistic.
Plus, with the First Home Guarantee you only need 5% deposit and no LMI. Game changer.
If you're in your 20s and think buying is impossible, it's not.
Want to know what's possible for you? Give us a call 📞
#firsthomebuyer #genz #regionalproperty #orangensw
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Omg it worked! 😂
➡️ Share this with your work colleagues
#funnyoffice #workhumour #brokers #FirstHomeBuyer
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TONIGHT! There's still time to register! 🏠
Our Forbes First Home Buyer Seminar is happening TONIGHT and we've still got spots available.
📅 TONIGHT - Thursday, 14th May
⏰ 5:30pm - 7:00pm
📍 Club Forbes
💰 FREE
Local experts covering everything you need to know about buying your first home in Forbes.
Last-minute decision? That's fine, register now and we'll see you tonight!
Link in bio 👆
#firsthomebuyer #forbes #freeevent #propertyevent
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First home buyers, you don't want to miss this! ⏰
Our Forbes First Home Buyer Seminar is happening THIS THURSDAY 14th May and spaces are filling fast.
Local property experts. Finance, legal, inspections, market insight, all covered in one night.
📅 THIS Thursday, 14th May
⏰ 5:30pm - 7:00pm
📍 Club Forbes
💰 FREE
This is your chance to get real answers from people who know the Forbes market.
Finger food + bar. But you need to register.
Link in bio - grab your spot now 👆
#blackpenlending #firsthomebuyer #forbes #forbesnsw #freeevent
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Can you buy a house on a $70K salary? 🏠
On paper? Sure. The bank might approve you for $400K.
In reality? We break down why it's not that simple.
$400K loan = $2,500/month repayments
$70K salary = $4,200/month take home
That leaves you $1,700 for bills, groceries, fuel, rates, insurance... everything.
Plus - can you even find a house for $400K in your area? And if you do, can you afford the repairs it probably needs?
The reality: buying solo on $70K is tough. But there are options - guarantors, co-borrowing, different areas.
Let's talk about what's realistic for YOU 📞
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #homeloan
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Just a normal day of filming! 🎥
Double tap if this made you laugh! ❤️
#funoffice #workhumour #contentday #orangensw
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Yes, it's true! We're hosting another First Home Buyer Seminar! 🎉
This time we're heading to Forbes with local property experts ready to answer every question you've been too nervous to ask.
📅 Thursday, 14th May
⏰ 5:30pm - 7:00pm
📍 Club Forbes
💰 FREE
Finance. Legal. Inspections. The Forbes market. All covered.
Spaces are limited - link in bio to grab your spot 👆
#blackpenlending #firsthomebuyer #forbesnsw #buyingahouse
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In case you missed it... we're doing it again! 🏠
After the success of our Orange seminar, we're bringing the First Home Buyer Seminar to Forbes.
📅 Wednesday, 14th May
⏰ 5:30pm - 7:00pm
📍 Club Forbes
💰 FREE
8 local experts covering everything you need to know:
✅ Finance & government incentives
✅ Legal & conveyancing
✅ Forbes & Parkes property market insights
✅ Building & pest inspections
Finger food + bar facilities. Spaces limited.
Link in bio to register 👆
#blackpenlending #firsthomebuyer #buyingyourfirsthome #buyingahouse
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Amanda wearing all the hats 🎩
Share this with a work colleague to make the laugh 🤣
#funoffice #broker #FirstHomeBuyer #loans
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We want to hear from YOU!
Got questions about buying your first home? Investing in property? Using equity? Literally anything finance or property related
Drop it in the comments below 👇
We'll answer as many as we can, and who knows... your question might just inspire our next skit and give Matt another excuse to break out the wigs 😂
What do you want to know?
#blackpenlending #mortgagebroker #orangensw #askmeanything
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Quick! Pause the video! Should you work with us: yes or no?�
...it was yes, wasn't it? 😁�
Click the link in our bio or give us a call 📞�
#blackpenlending #mortgagebroker #orangensw #homeloan
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"I can't save anything, fuel is so expensive right now!" 💸�
Also them: $50 drinks on Friday, $15 lunches all week, daily coffee runs...�
Look, we're not saying don't enjoy life. But if you're trying to save for a house and blaming fuel costs while spending $300 a week on takeaway? Maybe it's time for a budget check.�
Sometimes all you need is to actually SEE where your money's going. Track it for a month. You'll be surprised.�
Need help working out what you can actually afford to borrow? Let's chat 📞�
#blackpenlending #mortgagebroker #orangensw #budgeting #moneytips #savingforahouse #firsthomebuyer #financetips
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We're bringing it to Forbes! 🏠
After the success of our Orange First Home Buyer Seminar, we're doing it again - this time in Forbes with a fresh lineup of local property experts.
When: Thursday, 14th May
Time: 5:30pm - 7:00pm
Where: Club Forbes
Cost: FREE
Learn everything you need to know about buying your first home, from finance and government incentives, to legal processes, inspections, and navigating the Forbes property market.
Spaces are limited.
Link: www.eventbrite.com.au/e/forbes-first-home-buyer-seminar-tickets-1987873161137
#firsthomebuyer #forbes #propertyevent #buyingahouse
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How much deposit do you actually need?
We get this question ALL the time 💰
Good news: being a first home buyer in NSW comes with some serious perks.
✅ No stamp duty (save $20K+)
✅ Only 5% deposit needed
✅ No LMI (save another $20K+)
✅ Borrow up to 95%
We’ve broken down all the costs in this video so you can see exactly what you need to get started.
Want to know what this looks like for YOUR situation? Give us a call today 📞6362 1178
#firsthomebuyer #homeloan #mortgagebroker #orangensw
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The perfect work duo 🤝✨
If you know you know!
Tag your work duo 👇
#blackpenlending #workduo #teamwork #mortgagebroker
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Interest rates went up - now what do you do? 🤔
There's no one-size-fits-all answer. Some clients will never fix their rate. Others can't sleep unless they do.
Remember when the RBA Governor said no rate rises until 2024? Then we got 13 increases. Even experts get it wrong.
The best approach? Focus on what works for YOUR situation, your finances, your goals, your risk tolerance.
Let's chat about whether fixing or staying variable makes sense for you 📞
#interestrates #fixedrate #variablerate #mortgagebroker #orangensw #blackpenlending #homeloan #financialplanning #rba
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Why do interest rates keep going up? 📈
Interest rates control inflation. The RBA targets 2-3% inflation to keep the economy stable.
When rates rise, the 35% of Australians with home loans feel it first, less money to spend means less demand, which helps control rising prices.
Is it a blunt tool? Maybe. But it works.
Want to understand how rate rises affect YOUR loan? Give us a call 📞
#interestrates #RBA #inflation #homeloan #mortgagebroker #orangensw #blackpenlending #australianproperty #FirstHomeBuyer
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Black Pen Lending at the Forbes Rugby Club President’s Lunch 🏉
The team headed out to support the Forbes Rugby Club President’s Lunch over the weekend! Great day, great people, and we’re proud to be sponsors of the event and the Forbes community.
Also… we got some absolutely gold photos out of it that we just had to share 😂
Which one is your favourite? 💬
#blackpenlending #mortgagebroker #orangensw #forbesrugby #communitysupport
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$1,000 made all the difference 🏠
Our clients were told to put their best offer forward by a certain date. The guide was $720K, but they knew they'd have to go higher.
Instead of offering an even number, they went with $721,000.
They got the house.
Not saying this will work for everyone, but sometimes thinking outside the box pays off!
Thinking about buying? Let us help!
Click the link in the bio or give us a call
#blackpenlending #mortgagebroker #orangensw #buyingtips
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When a 5⭐️ review drops your name and suddenly everyone's treating you like royalty 👑
Share this with a work colleague 🤣
#funoffice #brokers #buyingahouse #firsthomebuyer
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Biggest mistake we see with first home buyers? They skip pre-approval.
Here's what happens: They fall in love with a house, put in an offer, then find out they can't actually borrow that much. Heart. Broken.
Get pre-approved BEFORE you start looking. Know your budget, then go house hunting.
Save yourself the heartbreak 💔
Send this to a first home buyer!
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #preapproval
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"Tried to justify less than 5 stars... but they didn't give me anything to work with" ⭐⭐⭐⭐⭐
This one made us smile 😊
Michael actively tried to find something to criticise and came up empty-handed. That's the kind of feedback that reminds us why we love what we do.
Thanks for the kind words, mate. 🙌
If you want service like this, give us a call today 📞
#blackpenlending #mortgagebroker #orangensw #clientreview #5stars
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There.. all covered 😁
Out of sight out of mind! colleagues
Share this with a work colleague 😂
#funoffice #brokers #FirstHomeBuyer #orangensw
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"Just lowball them by $100K - it worked for me 15 years ago!" 🤦♂️
Yeah... she didn't get the house.
What worked in 2010 doesn't work now. Every vendor's situation is different, and if she'd just talked to the agent first, she would've known what they actually wanted.
Don't take advice from someone who bought one house in 2010. Talk to the professionals who do this every day.
If your thinking about buying, give us a call and we will help get your started 📞
#blackpenlending #mortgagebroker #orangensw #buyingtips #realestate
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Interest rates went up.
But is that really the only reason money feels tight? 💸
Those forgotten subscriptions, daily coffee runs, and impulse buys? They add up fast. Sometimes they add up to more than the rate rise itself.
We're not saying strip away all the fun - you need to enjoy life. But a quick budget check might show you that you've got more control than you think.
Want to review your loan AND your spending? Let's chat 📞
#blackpenlending #mortgagebroker #orangensw #interestrates #budgeting #moneytips
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We know what we’re doing… we swear 😅
Share this with a work colleague to make them laugh 😆
#office #brokers #boss #funoffice #fyp
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"I'll just buy the cheapest property on realestate.com" 📈
Yeah... that's not a strategy. That's a gamble.
You need an actual strategy:
✅ Positive vs negative gearing - which works for YOUR situation?
✅ Cash flow - can you actually afford to hold this property?
✅ Exit strategy - what's the plan if things change?
Don't just hope for the best. Let's build a strategy that actually works for you 📞
#blackpenlending #mortgagebroker #orangensw #propertyinvesting
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"They went above and beyond to ensure I got the best rate possible" ⭐⭐⭐⭐⭐
Nothing beats hearing from our clients that we made their mortgage journey smooth and stress-free.
Matt and the team worked hard to secure the best possible rate and made sure every question was answered along the way. That's what we're here for.
If you're looking for a mortgage broker who'll actually take the time to explain things properly and fight for the best deal, we'd love to help.
Give us a call 📞
Or comment “help” below 👇
#blackpenlending #mortgagebroker #orangensw #clientreview #homeloan
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It had to be done 😤
Share this with a coworker to make them laugh 🤣
#funoffice #brokers #FirstHomeBuyer #coworkers
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Can you buy an investment property if you already have a home loan?
You absolutely can!
If you already have a home loan, we can use the equity in that property to help secure your investment loan. 🏠
It all just depends on your borrowing capacity and equity position, but we can help you with this
Just give us a call or comment “help” below 👇
#investing #firsttimeinvestors #property #brokers
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Yes, yes and yes ☕️😍
Share this with your office coffee lover 😂
#funoffice #brokers #FirstHomeBuyer #buyingyourfirsthome
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It’s not always about the highest offer 💰
Our client just bought her first home, but it wasn’t her price that sealed the deal.
She asked the agent what the sellers actually wanted. Turns out? A 4-month settlement so they could buy their next place.
She offered $5K under asking with a 4-month settlement and got the house 🏠
Talk to the agent. Find out what matters to the vendor. Structure your offer around that.
Want help buying your first home? Comment ‘HELP’ below or give us a call 📞
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #buyingtips
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About time we treated you to a blooper reel! 🤣
Have you been loving the skits? Let us know in the comments 💬
#blooper #brokers #buyingahouse #firsthomebuyers #funoffice
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Buying house #2 with no cash 😱
We often get people ask us how they can use the equity in their current home to buy their first investment property. 🏠
By using the equity in your home you can purchase your first investment without touching any of your savings.
🚨However! You need to keep in mind cash flow, and affordability before anything else.
If you’d like more information on this, comment ‘help’ below or give us a call 📞
#investment #buyingyourfirstinvestment #becomingalandlord #brokers
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Aaaaand there goes my concentration 😐
Share this with a work mate you thought of 😂
#funnyoffice #coworker #funbrokers #buyingahouse
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Worried you'll sound silly talking to a broker? You won't 🤷♂️
We promise we're not going to judge you! We've heard every question there is.
Nothing phases us.
There are no silly questions.
If you're a first home buyer and need clarification on anything, just ask.
That's what we're here for.
Give us a call 📞
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #homeloan
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"Why did my mate get a better rate than me?!" 😤
We get this question ALL the time.
Here's the thing: your rate isn't the same as your mate's because YOU aren't the same as your mate.
Your rate is the best rate for YOUR situation. Their rate is the best for theirs.
Want a better rate?
Let's look at ways to improve your position, comment ‘help’ below or give us a call 📞
#blackpenlending #mortgagebroker #orangensw #homeloan #interestrates #mortgagetips
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How much does it ACTUALLY cost to buy your first home? 💰🏡
We've broken down every single cost our client paid to buy a $650K home in NSW, from deposit to settlement and everything in between.
Total = 37.5K-38.5K to buy a $650K home!
Swipe through to see the real numbers 👉
Want to know YOUR costs?
Comment "HELP" below!
#firsthomebuyer #buyingahouse #blackpenlending #mortgagebroker #nswproperty
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Yeah… so how’s your 2026 going so far? 😅
👉Share this with someone you can relate
#winterolympics #buyingahouse #brokers #funworkplace #officehumour
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Don’t panic! We are coming! 🚴💨
Comment ‘help’ or give us a call if you’re planning to buy!
#mortgagebrokers #buyingahouse #orangensw #firsthomebuyers #homeloan
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When your mate's living their best life and you're drowning in repayments... 😅
The difference? They actually review their loan regularly.
When was the last time you checked yours?
We review our clients' loans every year to make sure they're still getting the best deal.
No need to ask, we just do it.
Don't be this guy. Get your loan checked
Comment ‘help’ or call us a call 📞
#blackpenlending #mortgagebroker #orangensw #homeloan #refinance #moneysavingtips
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What? It’s what we felt comfortable doing 😂
➡️ Share this with your work mate who can relate
#funoffice #blackpenlending #mortgagebroker #orangensw #firsthomebuyer
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