Mortgagetec - Everything Mortgages

At Mortgagetec we provide affordable mortgage options that don’t rely on big banks or traditional lenders. With over 45 years of finance knowledge, our team work to create opportunities for Australians to achieve their homeownership dreams! Visit our website: www.mortgagetec.com.au #mortgagetec #everythingmortgages #homeownership #investmentproperty #firsthomeaustralia #refinancing

Whether you're new to the market, growing your portfolio, unlocking equity, or refinancing for a better deal, Mortgagetec makes it easy. Our expert brokers provide tailored guidance and solutions to meet your needs. For Everything Mortgages, think Mortgagetec 🤝 #mortgagetec #everythingmortgages

🎯 What's Your Property Goal for 2025 🤔 ✨ Buy your first home? 💼 Build your investment portfolio? 🏡 Upgrade or downsize to match your lifestyle? No matter where you’re headed, Mortgagetec can guide you every step of the way. Our personalised approach means you’ll have the right loan to suit your needs. Start planning today—because your property dreams don’t wait. www.mortgagetec.com.au #mortgagetec #everythingmortgages #propertygoals

🏡 Is Australia’s Property Boom Finally Over? After nearly two years of soaring growth that pushed property values up by 14.3%, the Australian housing market has finally slowed. CoreLogic’s national Home Value Index (HVI) recorded its first decline in December 2024, falling by 0.1% after a flat November. Melbourne and Sydney led the downturn, with values dropping by 0.7% and 0.6%, respectively. Meanwhile, markets like Adelaide, Brisbane, Perth, and regional South Australia saw growth, though at a slower pace than earlier in the year. CoreLogic’s Head of Research, Eliza Owen, says the housing market is feeling the strain of prolonged high interest rates and worsening affordability. “After almost two years, the housing market appears to finally be buckling to these pressures. It’s not just interest rates that have been higher for longer than expected, but also affordability constraints—there’s a massive gap between what people can realistically afford and what home values actually are.” A median-income household in Australia with a 20% deposit could afford a home of $513,000, while the national median dwelling value is $815,000, she said. So, how long will this downturn last? Experts predict it will be short-lived, with declines expected into early 2025. Historically, housing downturns in Australia have been relatively modest. As Owen explains, “It won’t be a massive game-changer for housing affordability, but it’s unlikely to be a very long or large downturn. There’s still such a powder keg of fundamental demand for housing.” With tight labour markets, moderate inflation, and Australia’s housing shortage, a sharp crash is unlikely. For first-home buyers, this slowdown may offer a small window of opportunity, but affordability challenges will remain. In short, this dip is expected to be ‘shallow and short-lived,’ with the long-term fundamentals of demand remaining unchanged. Whether you’re planning to buy, sell, or wait it out, our brokers are here to guide you at every step of your property journey. #mortgagetec #everythingmortgages #marketupdate

Entering the property market in 2025 starts with knowing the answer to the age-old question: ‘How much deposit do I need?’ We're here to help you achieve your home ownership goals! #mortgagetec #everythingmortgages #homeownership #housedeposit

If you've got a home loan ask yourself these 5 questions 🤔 We're here to help you with Everything Mortgages and achieve your property goals in the year ahead! #mortgagetec #everythingmortgages #homeloanhealth #financegoals

🎆✨ Happy New Year from Ryan Carr Ketu and the Mortgagetec Team ✨🎆 A new year means new opportunities, new goals, and new keys to your dreams! 🏡 Whether you’re buying your first home, upgrading to your forever home, or building your investment portfolio, we’re here to help you with Everything Mortgages. Thank you for letting us be part of your journey in 2024. Here’s to making 2025 the year you turn your property dreams into reality. 💪🎉 #mortgagetec #everythingmortgages #happynewyear #2025

🌟 CoreLogic’s Best of the Best 2024: Australia’s Top-Performing Unit Markets 🏢 In 2024, Australia’s unit market revealed a variety of prospects, from premium suburban hotspots to thriving regional hubs. Here’s a breakdown of the standout performers: Point Piper in New South Wales claimed the top spot as the most expensive suburb for units, with a median value of $3,118,700. Renowned for its prestigious waterfront properties, this exclusive Sydney suburb continues to be a magnet for high-end buyers. At the other end of the spectrum, Laguna Quays in Queensland emerged as the most affordable suburb for units, with a median value of just $142,689. Originally planned as a resort area, the region has seen limited investment in infrastructure and amenities compared to other areas, which has affected demand and kept prices low. Dolphin Heads in Queensland recorded the highest growth in unit values, skyrocketing by 52.8% over the past 12 months. This coastal location has seen a surge in demand, driven by lifestyle appeal and increasing interest in regional living. In contrast, Sunshine in Victoria experienced the lowest growth in unit values, with a decline of 13.8% over the past year. Despite this, the suburb remains an area to watch, offering potential for future recovery and investment opportunities. Geraldton in Western Australia posted the highest growth in unit rents, with a 21.5% increase in the past year. This coastal hub continues to attract renters due to its affordability and strong local economy. For investors seeking exceptional returns, Boulder in Western Australia stood out with the highest gross rental yields at 12.6%, followed by another standout suburb offering 10.3%. These high yields make Boulder a prime choice for those focused on rental income. These numbers highlight the diversity of Australia’s unit market, offering something for every buyer and investor, from luxury units in urban hubs to affordable and high-yielding opportunities in regional areas. If you’re looking to start or expand your portfolio, we’re here to help with Everything Mortgages. #mortgagetec #everythingmortgages #marketupdate

🎄✨ Merry Christmas from Ryan Carr Ketu and the Mortgagetec Team ✨🎄 Today is all about family, love, and the place we call home. 🏡 Thank you for letting us be part of your journey this year—whether it was finding your first home, refinancing, or growing your property portfolio. Here’s to a day filled with joy, laughter, and the warmth of home. Wishing you and your loved ones a magical Christmas and a bright start to 2025! 🎁 #mortgagetec #everythingmortgages #merrychristmas #happyholidays

As the Christmas break approaches, we’d like to inform you of our holiday hours: 🗓️ Last day of business for 2024: Friday, 20th December 🗓️ Reopening: Monday, 13th January 2025 📞 During the break, a small team will be available via phone and email to assist with any urgent matters. We look forward to continuing to assist you with Everything Mortgages in 2025. #mortgagetec #everythingmortgages #holidayhours