Mortgage broker, Nowra and the Shoalhaven
Ask me the dumb questions.
I've asked worse.
Shift work, overtime, a small deposit, a bank that already said no. Most of the people I help aren't a simple payslip. That's the part I'm good at.
- 5.0 on Google, 9 reviews
- 100+ people helped since 2022
- 20+ lenders
- Calls after your shift
The dumb questions
Questions people are too embarrassed to ask. Tap yours.
- I earn $140,000. Why does the bank say I earn less?
- Do my overtime and penalty rates even count?
- How much house can I buy with a $50,000 deposit?
- Should I just wait until I've saved more?
- I've been with my bank for years. Is it worth leaving?
- Can I put my car loan into my mortgage?
- How much of my equity can I actually use?
Got one that isn't here? Text it to me on 0415 138 842. No question is too dumb. See all questions
What are you trying to do?
Buy my first home
Deposit, the 5% scheme, stamp duty and what you can actually borrow.
I work shifts
Overtime, penalty rates and allowances. Lenders count them differently, so it matters who you ask.
Refinance
Been with the same bank for years? New customers often get a better deal than loyal ones.
Upsize or use my equity
Use what your place has gained to buy the next one.
Car or personal loan
Cars, personal loans and asset finance, and how they affect your next home loan.
Most first home buyers don't get stuck on the deposit.
They get stuck because the first person they asked was a mate, a parent, or the bank they've had an account with since primary school. Everyone gives you a confident answer. Nobody checks how the other lenders would look at your income.
That's the bit I do.
Same person. Same payslips.
$850,000 or $900,000
Two banks, two different answers about how much they'd lend. Here's how that happens, and why it matters who checks.
How it works
- Tell me how you're paid. A one-minute quiz. No paperwork yet.
- I run your numbers. I look at how different lenders would treat your income, deposit and debts.
- We talk it through. Phone or video, wherever you are. You get a straight answer and the next step.
What people say after
Joe has been absolutely awesome throughout our entire experience of purchasing our first home! He is amazing to communicate with and has gone above and beyond to make this stressful time as easy as possible!
Carina S, first home buyer
Joe has always gone above and beyond to help myself and my husband when it comes to our mortage. He is always on the hunt to better our rates even a year later! Highly competent, honest and reliable. 10/10 Joe.
Karina L
Joe has a great ability to put things in simple terms and makes all steps of the finance process incredibly easy. We would highly recommend Joe for all aspects of mortgage broking.
David M, refinanced
And a few texts from people I've helped (names hidden):
Areas I cover
Mostly the Shoalhaven, where most of my first home buyers are looking. Everything happens by phone and online, so anywhere in Australia works too.
Free guides. No email needed.
First Home Roadmap
The 9 steps to buying your first home, in order, with a checklist for each one.
Should I Refinance?
7 checks to work out if switching is worth it, and when to stay put.
Pre-approval guide
What lenders check, how to get one, and how to keep it valid while you look.
I'm Joe.
Mortgage broker in the Shoalhaven. Definitely not a doctor.
I run the numbers on local listings most weeks. Everything happens by phone and online, so it doesn't matter if you're in Nowra, Sanctuary Point or Sydney.
I'm not the right broker for everyone. If your bank's already given you the best deal going, I'll tell you that too.
Got a listing open in another tab?
Tell me how you're paid and what you've saved. I'll run your numbers on it.
Or call or text 0415 138 842. After your shift is fine.