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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When mum doesn't believe you.. 😂
The Regional First Home Buyer Guarantee lets you buy with just 5% deposit!
Sounds too good to be true? We get it. But it's legit, and we can show you how.
Want to know if this works for you? Comment ‘help’ below or give us a call 📞
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #propertyinvesting
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RBA raised rates to 3.85%, but don't panic 🙅
Yes, your variable rate will go up.
But here's the thing: The RBA is being cautious, not aggressive.
Before you stress about your loan structure, try this first:
💳 Cancel those subscriptions you forgot about
🥪 Pack your lunch instead of buying it
💵 Try cash-only spending for a month
Small changes can make a big difference.
Still want to review your loan? Comment “help” or give us a call 📞
#blackpenlending #mortgagebroker #orangensw #rba #interestrates #homeloa your loan? We're here when you're ready 📞
#blackpenlending #mortgagebroker #orangensw #rba #interestrates #homeloan
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Anyone else have a brutally honest gen z employee 😂
Share this with them! 📩
#funny #officehumour #brokers #orangensw #mortgagebrokers
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2016 was 10 years ago. Let that sink in.
For Glenn, 2016 was the year he got married and honeymooned in the UK ✈️
For Matt, his love for dressing up clearly started early on 👔
What's your favourite memory from 2016? Drop it in the comments 👇
#blackpenlending #mortgage roker #orangensw #2016Memories
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Let's make your future self happy by getting you into your first home in 2026 💪
Comment "HELP" below or give us a call 📞
#firsthomebuyer #buyingin2026 #propertygoals #blackpenlending #mortgagebroker
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Refinancing doesn't have to be complicated or stressful.
Our whole process is designed to make it as smooth as possible.
Thank you to our amazing clients for taking the time to share their experience!
Reviews like this are exactly why we do what we do 😊
Thinking about refinancing or ready to buy?
Comment ‘help’ below or give us a call
#blackpenlending #mortgagebroker #orangensw #testimonial #5starreview #refinancing #clientlove #happyclients #stressfree #localbusiness
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Why Black Pen Lending?
It's all about the relationship we build with you.
✅ We check in with you every year to make sure your loan still works for you
✅ We make the process stress-free and easy to understand
✅ You'll never leave an appointment or hang up a call thinking "what just happened?"
We break it down so you understand, answer all your questions.
Thinking of buying this year?
Comment ‘help’ below or give us a call 📞
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #inyour20s #propertygoals #clientfirst #relationships #stressfree #mortgagehelp
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Saving for a house in 2026? Here's your roadmap! 🏡💰
We've broken down exactly how much you need to save for a $650K home, including:
💵 5% deposit amount
🎉 Stamp duty savings (NSW only!)
📊 Weekly savings breakdown
💪 Tips to actually stick to your plan
Ready to make 2026 your year? Comment "HELP" below or give us a call!
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer #savingforahouse
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We discovered a hack at the office today 🤣
➡️ Share this with a work mate who needs this hack
#funnyoffice #brokers #FirstHomeBuyers #buyingahouse #orangensw
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Photos from Black Pen Lending's post
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What else can you do with your equity? Part 2! 🏡💰
Matt and Glenn cover two more options:
Debt consolidation
Use equity to pay out high-interest loans (like car loans), reduce your repayments, and free up borrowing capacity for investing 📈
Do nothing!
Sometimes the best move is knowing you're in a strong position. Not keen on more debt? That's totally fine!
Want to chat about your options?
Comment 'HELP' below or give us a call 👇
📞 02 6362 1178
#blackpenlending #mortgagebroker #orangensw #equity #debtconsolidation #propertyinvesting #financialfreedom #wealthbuilding #propertytips #smartmoney
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Do you ACTUALLY need that holiday home? 🏖️
Post-holiday glow hits different… but is it worth it? 😅
Reality check:
📅 When will you actually use it?
💰 Peak times = prime Airbnb income
🔧 Maintenance + rates on two properties
We WANT you to have that holiday home! But let’s make sure you’re doing it for the right reasons first 💪
Thinking about a holiday or investment property? Comment 'HELP' below or give us a call 👇
📞 02 6362 1178
#blackpenlending #mortgagebroker #orangensw #holidayhome #investmentproperty #propertytips #holidaybrain #realestate #buyingsmart #thinkitthrough
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Planning to buy in 2026? Start here! 🏡✨
Know your borrowing capacity
This gives you a clear number so you're not wasting time looking at properties out of your budget 💰
Then you can get your pre-approval which is active for 90 days, so you can make offers with confidence! 💪
Don't start house hunting without knowing what you can actually borrow. It'll save you time, stress, and heartbreak!
Want help knowing your borrowing capacity?
Comment 'HELP' below or give us a call 👇
📞 02 6362 1178
#blackpenlending #mortgagebroker #orangensw #buyingin2026 #preapproval #borrowingcapacity #firsthomebuyer #propertytips #househunting #propertygoals
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Taking a well-deserved break, but we'll be back before you know it! 😎☀️
We're closed until Wednesday 7th January, but we'll see you bright-eyed and ready to tackle 2026 when we return!
Enjoy the rest of your holidays! 🎄✨
#blackpenlending #mortgagebroker #orangensw #holidays #newyear #seeyousoon #break #backtowork #2026 #localbusiness
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Happy New Year from Black Pen Lending! 🎉🥂
2025 was incredible, and we can't wait to see what 2026 brings!
Here's to new goals, new homes, and new opportunities. Let's make it your best property year yet! 🏡✨
Cheers to fresh starts and big dreams! 💪
#blackpenlending #mortgagebroker #orangensw #happynewyear #2026 #newyeargoals #freshstart #propertygoals #newyear #cheers
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What a year it's been! 🎬✨
Thank you to every single person who watched, liked, commented, shared, and trusted us with your property journey this year.
We're so grateful for this community and can't wait to do it all again in 2026! 💙
What was your favourite Black Pen Lending moment? Let us know in the comments
#blackpenlending #mortgagebroker #orangensw #2025recap #thankyou #yearinreview #gratitude #behindthescenes #localbusiness #community
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Merry Christmas from all of us at Black Pen Lending! 🎄✨
We hope you have a wonderful day filled with good food, great company, and plenty of laughs! 🎅🎁
Enjoy the break, relax, and we'll see you in the New Year!
The Black Pen Lending crew
#blackpenlending #mortgagebroker #orangensw #merrychristmas #happyholidays #christmasvibes #localbusiness #familytime #celebrate #community
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Our 2025 blooper reel is HERE! 😂🎬
Thanks for sticking with us through all the polished posts AND the behind-the-scenes messiness. Here's to more laughs in 2026! 🎉
Double tap if you enjoyed!
#blackpenlending #mortgagebroker #orangensw #bloopers #behindthescenes #blooperreel #officefun #realtalk #keepingitreal #2025recap
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Planning to get in touch over the holidays?
Here's when we're around! 🎄✨
We'll be open Monday 22nd and Tuesday 23rd December to tie up any loose ends before the break, then closing Wednesday 24th December through to the New Year.
We're back and ready to roll on Wednesday 7th January! 💪
Double tap if your going on holidays!
#blackpenlending #mortgagebroker #orangensw #officehours #christmasbreak #merrychristmas #happyholidays #newyear #localbusiness #smallbusiness
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Heading to auction? Know the risk!
Auctions can be exciting, but they come with some serious commitments that catch a lot of buyers off guard.
❌ No cooling-off period
❌ You sign the contract on the day
❌ Your 10% deposit is non-refundable
How to minimise your risk:
✅ Get a building & pest inspection done BEFORE auction day
✅ Ask the agent for a copy of the contract beforehand and get your conveyancer or solicitor to review it
✅ Make sure you're pre-approved for finance so there are no nasty surprises
Need help getting pre-approved or understanding your finance position?
Comment 'HELP' below or give us a call 👇
📞 02 6362 1178
#blackpenlending #mortgagebroker #orangensw #auction #propertyauction #homebuyingtips #firsthomebuyer #preapproval #buyingtips #realestate
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WIN a Black Pen Lending merch pack! 🎁
Our Christmas party theme was ‘So Fresh’ and the team went ALL OUT! 😂
Think you can guess who everyone’s dressed as? 👀
FIRST person to correctly guess ALL the characters in the comments wins a Black Pen Lending merch pack.
Drop your guesses below! 👇
#blackpenlending #mortgagebroker #orangensw #christmasparty #sofresh #dressup #officeparty #teamfun #guessthecharacter #giveaway
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Matt and Glenn break down one of the most misunderstood parts of home ownership!
What you can use equity for:
✅ Invest in more property
✅ Invest in stocks
✅ Renovate your home (which creates even MORE equity!)
The best part? When you renovate and add value to your home, you're creating even more equity to use down the track 📈
Want to know how much equity you have and what you could do with it?
Comment 'HELP' below or give us a call 👇
📞 02 6362 1178
#blackpenlending #mortgagebroker #orangensw #equity #propertyinvesting #renovation #wealthbuilding #propertytips #investmentproperty #financialeducation
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First home buyers using the government guarantee - listen up! 🏡
The government guarantee can save you THOUSANDS in lenders mortgage insurance, but right now there's a massive influx of applications and assessment times have blown out:
⏰ CBA: Up to 36 days
⏰ NAB: Around 14 days
⏰ St. George & Westpac: Around 14 days
If you're planning to buy, get your pre-approval in NOW.
Don't wait until you find the perfect property because you could miss out whilst waiting for approval.
Want more info? Comment 'HELP' below or give us a call 👇
📞 02 6362 1178
#firsthomebuyer #governmentguarantee #homeloan #preapproval #blackpenlending #mortgagebroker #fhlds #lmi #buyingahome #orange #firsthome #propertymarket #homeloans
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When was the last time you checked your home loan? 🤔
Seriously... have you EVER checked it since you set it up?
Here's the thing - rates change, circumstances change, and better deals come out all the time. You could be paying way more than you need to.
We check our clients' home loans every single year to make sure they've got the most competitive rate and the best setup for their situation.
So... when was the last time YOU checked your home loan?
Comment 'HELP' below and let's make sure you're not paying more than you should be! 👇
#homeloan #interestrates #mortgagebroker #blackpenlending #refinance #loanreview #savemoney #orange #homeloans #mortgageadvice #betterdeal
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Don't think you'll move before Christmas? That's totally okay! 🎄
Here's the thing
You can still make an offer on your dream home (or even get it accepted!) but settle AFTER Christmas.
Why add the stress of moving during the holidays when you don't have to?
Instead, go into Christmas knowing your dream home is yours, enjoy the festive season with family, and start 2026 fresh in your new home 🏡✨
Comment 'HELP' below and let's chat about your timeline 👇
#homeloan #christmas #moving #settlement #blackpenlending #mortgagebroker #dreamhome #buyingahome #orange #newhome #propertytips #firsthomebuyer
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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
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"They were consistently present and approachable"
⭐⭐⭐⭐⭐
Thank you Leesa for trusting us with your home loan journey!
This is exactly what we strive for being there every step of the way, making the process as smooth and stress-free as possible.
Want to experience the Black Pen difference?
Comment 'HELP' below and we'll be in touch! 👇
#testimonial #clientreview #blackpenlending #mortgagebroker #homeloan #orange #customerservice #5starservice #homeloans #happyclients #mortgageadvice
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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
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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
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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
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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
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What an incredible night at the RMHC Central West NSW Gala Ball, last weekend 🎉
Huge congratulations to Tim who is the lucky winner of the brand new Hyundai KONA! 🚗🎉
A massive thank you to everyone who purchased a raffle ticket - together we raised an amazing amount of money for RMHC Central West NSW and their vital programs supporting families of seriously ill children 💙
The community spirit and generosity shown was absolutely incredible, and we're so grateful to have been part of such a special cause.
Thank you to everyone who supported this amazing charity event! 🙏
#rmhc #galabanner #charity #community #orange #orangensw #blackpenlending #hyundaikona #rafflewinner #communityspirit #grateful #supportlocal
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Thinking of buying before Christmas? 🎄🏡
Here's what you need to know!
Let us break down the timeline and honestly... it's tight!
Important dates:
📅 Solicitors close: 19th December
📅 6-week settlement? Exchange by: 7th November
📅 28-day settlement? Exchange by: 21st November
The reality? We're already cutting it close. If you want keys before Christmas, we need to move NOW.
Miss these dates and you're looking at a January move-in!
Already in the process or thinking about buying?
Comment “help” below 👇
#blackpenlending #mortgagebroker #orangensw #christmasdeadline #propertytips #homebuying #settlementdates #firsthomebuyer #buyingproperty #realestatetips
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Get in loser, we’re going to the ball! 🚗💁♀️
There are STILL tickets available to win this brand new Hyundai KONA valued at over $39K! 🔥
The winner gets announced THIS SATURDAY at the RMHC Central West NSW Gala Ball at Banksia Orange - and the odds are absolutely INSANE!
With limited tickets available, your chances of driving home in a brand new car are seriously high!
All money raised supports RMHC Central West NSW’s incredible programs for families of seriously ill children 💙
Don’t miss out - grab your tickets now! Link in bio 👆
Who liked the mean girls theme? 😂
#raffle #hyundaikona #charity #rmhc #orange #orangensw #galaball #winyourride #charitydrawer #supportlocal #newcar
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Matt & Glenn are very hard working.. On and off the camera 📸😂
Don’t forget to share this around so everyone can see their dance moves 🕺
#funny #funoffice #brokers #orangensw #coworkers #boss #firsthome #buyingyourfirsthome #funbrokers
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Nothing makes us happier than helping our clients achieve their property goals! 🏡
Testimonials like this remind us why we love what we do. It's not just about finding the right loan, it's about being there for you through the entire journey, offering guidance, support, and a bit of banter along the way!
Thank you to our amazing clients for trusting us with one of the biggest decisions of your lives. We're so grateful to be part of your home buying story! 🙌
Are you planning to buy your first or next home?
Contact us via clicking the link in our bio
#blackpenlending #mortgagebroker #orangensw #clientlove #testimonial #firsthomebuyer #propertygoals #homeloanexperts #happyclients #localbusiness
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Should you refinance to buy an investment property? 🏡
Short answer: Yes, if the numbers stack up.
You can borrow up to 105% (including costs) by tapping into your home equity. Great for maximising tax deductions on investment debt.
BUT here's the reality check:
➡️ More debt = higher repayments.
➡️ Rental income doesn't always cover the full loan
➡️You need to be comfortable topping up any shortfall
The secret? Getting your debt structure right from day one.
Comment 'HELP' if you want to find out if refinancing to invest is right for you. 💬
#refinancing #investmentproperty #mortgagebroker #propertyinvestment #taxdeductions #debtstructure #refinanceaustralia #mortgageadvice #propertyinvesting #australianproperty #investmentloan
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Matt and Glenn headed to Sydney for the 2025 Australian Mortgage Awards!
Our very own Matt was a finalist for Broker of the Year and we couldn’t be prouder! 🙌
While he didn’t take home the trophy this time, he definitely took home some memories
Let’s just say the boys had a FANTASTIC night 😂
Being recognised as a finalist among Australia’s best brokers is a huge achievement and we’re so proud to have Matt leading our team.
Congratulations to all the winners and finalists, what an incredible night celebrating excellence in the mortgage industry!
#australianmortgageawards #brokeroftheyear #finalist #blackpenlending #proud #awardsnight #sydney #mortgagebroker #celebration #goodtimes
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WOW! What a night!
Our First Home Buyers Seminar last night was an absolute success!
We had so many potential first home buyers join us and the energy in the room was incredible.
Watching everyone soak up valuable information about deposits, government incentives, legal processes, and local market insights was exactly why we do what we do!
Big thank you to our expert panel:
⚖️ Sarah, Baldock Stacy & Niven @bsnlawyers
🏘️ Jacob, Peter Fisher Real Estate @jacobevanspeterfisher
🏡 Lan, Our City Real Estate @ourcityrealestate
🏠 Scott, McGrath Orange @scott_mcgrathmolong
Were you there? Drop a comment below and let us know your biggest takeaway! 👇
Missed out? Let us know in the comments! If there’s enough interest, we might just host another one!
#firsthomebuyer #seminarsuccess #orange #blackpenlending #homeloan #orangerealestate #thankyou #communityevent #firsthomeseminar #propertyseminar
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TONIGHT’S THE NIGHT! 🏠
Our First Home Buyers Seminar is happening TONIGHT at 5:30pm!
Join Matt, Glenn, Sarah, Jacob, Lan, and Scott upstairs at The Canobolas Hotel for an evening packed with expert advice on everything you need to know about buying your first home.
We’re covering:
💰 Finance and deposit strategies
⚖️ Legal process made simple
🏘️ Real estate insider tips
🎁 Government incentives that could save you thousands
There’s still time to register, so click the link in our profile to let us know you’re coming.
Can’t wait to see you there! 🙌
#firsthomebuyer #orange #seminartonight #blackpenlending #homeloan #propertyseminar #orangerealestate #firsthome #buyingtips #governmentincentives
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First Home Buyers Seminar is THIS THURSDAY!
There’s still time to register! This is the night you don’t want to miss.
🗓️ THIS THURSDAY, 16th October
⏰ 5:30pm-7:00pm
📍Upstairs at The Canobolas Hotel, Orange
No judgement, no stupid questions, just a good chat with industry professionals that want to help you get the keys to your first home.
Link in profile to register - see you Thursday 😊
Share this with your mate or family member who needs to see this! 👇
#firsthomebuyer #orange #thursdayvibes #propertyseminar #blackpenlending #genz #millennialhomebuyer #orangeproperty #househunting #relatable #registernow
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Meet the experts speaking at our First Home Buyer Seminar! 🌟
🏡 Lan from Our City Real Estate- Ready to drop all the tips & tricks you need to know about buying your first home!
⚖️ Sarah from BSN Lawyers - Here to break down the legal process and simplify all that confusing jargon so you actually understand what’s happening!
🏘️ Scott from McGrath Estate Agents - Covering the best areas in Orange & Central West for first home buyers, where we’re seeing growth, and what price points are actually achievable!
🏠 Jacob from Peter Fisher Real Estate- Excited to share the process with first home buyers and make it way less daunting.
Plus the Black Pen Lending team will be there to answer ALL your finance questions 💰
This lineup is 🔥 and it’s all FREE!
Register now 👇
Link in bio
📅 Thursday 16th October
⏰ 5:30pm - 7:00pm
📍 Upstairs at The Canobolas Hotel, Orange
#firsthomebuyer #homeloans #blackpenlending #mortgagebroker #orange #nsw #realestate #proper
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