Hypothèque, Sydney (2026)

14/09/2026

When the property landscape changes, a little perspective can go a long way.

Join Hypothèque’s Rob McFadden at BNI C*D Shine for “Flying Above the Storm”- a discussion about residential property investment following the 2026 Federal Budget, and why it pays to stay calm and keep the bigger picture in focus.

📅 Thursday 17 September
⏰ 6:45 - 8:30 am AEST
📍 Sydney | BNI C*D Shine

Interested in coming along? Register here: https://events.orionopen.com.au/?event=BNI-C*DShine-Breakfast-17/9/2026

10/09/2026

Thinking about investing in property, but not sure where to begin? 🏡

A clear strategy can make all the difference. Blue Wealth Property’s upcoming Wealth Through Property event is designed to help aspiring investors understand how to approach property investment with greater clarity and confidence.

The session will cover:

✅ The key considerations before investing
✅ How property can support long-term wealth creation
✅ What the numbers could look like
✅ The latest research and insights in an Australian Property Market Update
✅ How to begin building a property investment strategy

Whether you’re considering your first investment property or simply want to explore your options, this event could be a valuable place to start.

📅 17 September
⏰ 7 PM
📍Online Webinar

Places are limited. Register here: www.bluewealth.com.au/events/

09/09/2026

𝐅𝐢𝐱𝐞𝐝 𝐨𝐫 𝐯𝐚𝐫𝐢𝐚𝐛𝐥𝐞? 𝐓𝐡𝐞 𝐡𝐨𝐧𝐞𝐬𝐭 𝐚𝐧𝐬𝐰𝐞𝐫 𝐢𝐬: 𝐢𝐭 𝐝𝐞𝐩𝐞𝐧𝐝𝐬.

A fixed-rate home loan can provide greater certainty because your rate and repayments are locked in for an agreed period. However, it may also have restrictions on extra repayments, fewer features and break costs if you change or repay the loan early.

A variable-rate loan may offer more flexibility and access to features such as an offset account or redraw facility. The trade-off is that your rate - and therefore your repayments - can change.

Some borrowers also choose to split their loan, placing one portion on a fixed rate and leaving the remainder variable.

There is no universally “better” option. The right structure depends on your budget, plans and how much certainty or flexibility you value.

Before deciding, it is worth looking beyond today’s advertised rate and considering how the loan will work in real life.

📩 Talk through your options with the Hypothèque team: [email protected]

𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝐿𝑜𝑎𝑛 𝑓𝑒𝑎𝑡𝑢𝑟𝑒𝑠 𝑎𝑛𝑑 𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠 𝑣𝑎𝑟𝑦 𝑏𝑒𝑡𝑤𝑒𝑒𝑛 𝑙𝑒𝑛𝑑𝑒𝑟𝑠.

08/09/2026

𝐄𝐪𝐮𝐢𝐭𝐲 𝐢𝐬 𝐧𝐨𝐭 𝐟𝐫𝐞𝐞 𝐦𝐨𝐧𝐞𝐲, 𝐛𝐮𝐭 𝐢𝐭 𝐦𝐚𝐲 𝐜𝐫𝐞𝐚𝐭𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬. 🏡

Your equity is the difference between your property’s current value and the amount you still owe on it.

For example, if your property is valued at $900,000 and your remaining home loan is $550,000, you have $350,000 in equity.

That does not necessarily mean you can borrow the full $350,000.

A lender will consider its maximum loan-to-value ratio, its valuation of the property, your income, expenses, existing debts and ability to manage the higher repayments.

Depending on your circumstances, usable equity may help fund:

▪️ A future property purchase
▪️ Renovations or improvements
▪️ A deposit and purchasing costs
▪️ Other approved financial goals

Accessing equity increases your debt and places more of your property at risk, so the numbers need to be considered carefully.

Want to understand how much usable equity you may have? Let’s run through it together.

📩 [email protected]

𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑃𝑟𝑜𝑝𝑒𝑟𝑡𝑦 𝑣𝑎𝑙𝑢𝑒𝑠 𝑐𝑎𝑛 𝑟𝑖𝑠𝑒 𝑜𝑟 𝑓𝑎𝑙𝑙, 𝑎𝑛𝑑 𝑙𝑒𝑛𝑑𝑖𝑛𝑔 𝑟𝑒𝑚𝑎𝑖𝑛𝑠 𝑠𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑎𝑠𝑠𝑒𝑠𝑠𝑚𝑒𝑛𝑡 𝑎𝑛𝑑 𝑎𝑝𝑝𝑟𝑜𝑣𝑎𝑙.

03/09/2026

The loan that suited you then may not suit you now.

Your income may have changed. Your property may have changed in value. Your loan balance may be lower, and lenders’ products and policies may be different too.

That is why it can be worthwhile reviewing your home loan from time to time.

A home loan health check can consider:

▪️ Your current interest rate and fees
▪️ Whether you are using the right loan features
▪️ Any fixed-rate period approaching its end
▪️ Changes to your income or financial goals
▪️ Alternative loan options that may now be available

Refinancing is not automatically the answer. Switching can involve discharge fees, application costs, valuations and changes to loan features.

The purpose of a review is to determine whether changing your loan would produce a genuine benefit, or whether your existing loan is still doing its job.

📩 Wondering how your loan measures up? Contact [email protected]

𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑅𝑒𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑛𝑔 𝑐𝑜𝑠𝑡𝑠, 𝑏𝑒𝑛𝑒𝑓𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑙𝑖𝑔𝑖𝑏𝑖𝑙𝑖𝑡𝑦 𝑣𝑎𝑟𝑦.

02/09/2026

𝐇𝐨𝐦𝐞 𝐥𝐨𝐚𝐧𝐬 𝐜𝐚𝐧 𝐛𝐞 𝐜𝐨𝐦𝐩𝐥𝐢𝐜𝐚𝐭𝐞𝐝. 𝐆𝐞𝐭𝐭𝐢𝐧𝐠 𝐡𝐞𝐥𝐩 𝐬𝐡𝐨𝐮𝐥𝐝 𝐧𝐨𝐭 𝐛𝐞.

Hypothèque was founded by Rob McFadden in 2013 with a clear purpose: to give busy professionals a smarter, more personal way to secure property finance.

That idea still guides us today.

Our team brings together varied professional and cultural backgrounds, extensive lending knowledge and a shared belief that clients deserve more than a generic loan recommendation.

We take the time to understand your circumstances, explain your options and guide you through each stage of the process.

Getting started is simple:

✔️ Choose the broker you would like to work with
✔️ Complete an easy online enquiry
✔️ Let us guide you through what comes next

Whether you are buying your first home, refinancing, investing or working through a more complex lending situation, we are ready when you are.

hypotheque.com.au

01/09/2026

Third property purchase. The right mortgage. A smooth settlement. 🏡

We love helping returning clients take their next step, and receiving feedback like this makes it even better!

Congratulations on property number three, and thank you for trusting Chez and the Hypothèque team once again.

If another property is part of your plans, we would love to help you explore the possibilities.

27/08/2026

Your credit card balance might be $0, but the limit can still affect your borrowing capacity.

When assessing a home loan application, lenders generally look at the total limit available on your credit cards, not only the amount you currently owe.

That means a credit card with a $15,000 limit may be treated as a potential monthly commitment, even if you pay it off in full every month.

The same may apply to:

▪️ Cards you rarely use
▪️ Store cards you have forgotten about
▪️ Buy now, pay later accounts
▪️ Credit facilities kept “just in case”

This does not necessarily mean you need to close every account before applying. However, reducing unnecessary limits or closing unused facilities may improve your position in some circumstances.

Before making any changes, speak with a broker. Closing an account at the wrong time - or assuming it will automatically increase your borrowing capacity - may not produce the result you expect.

Planning to apply for a home loan? Let’s take a closer look at the complete picture first.

26/08/2026

Saving for a deposit? Make it a system, not a monthly test of willpower.

A few simple habits can make your savings more consistent:

1. Keep your deposit away from everyday spending

Consider using a separate savings account rather than leaving your deposit in the same account you use for groceries, bills and weekend spending. If you cannot see it every day, you may be less tempted to dip into it.

Set up an automatic transfer after each payday, choosing an amount that is realistic enough to maintain consistently.

2. Practise your future housing costs

Speak with a broker to understand what potential repayments and homeownership costs could look like.

If you are renting, consider regularly saving some or all of the difference between your current rent and your estimated future housing costs. If you are living at home, you may be able to practise putting aside a larger portion.

It can help grow your deposit while giving you a more realistic idea of how the future commitment may fit into your budget.

Ready to work out what your first-home numbers could look like?

📩 [email protected]

25/08/2026

Meet Chez, Senior Mortgage Broker at Hypothèque.

There is more to mortgage broking than working with numbers. It is also about listening, problem-solving and helping people feel confident about the decisions in front of them.

With a background in accounts and case management, Chez brings strong financial knowledge and a genuine understanding of how to guide people through complex situations.

Her interest in property, and her ability to explain lending without the confusing jargon, helps clients understand their options and make informed decisions based on their individual needs.

Whether you are purchasing your first home, refinancing an existing loan or planning your next property investment, Chez will take the time to understand what you are trying to achieve.

And as one recent client put it, she is also “a lot of fun to work with”, which never hurts when there is mortgage paperwork involved.

📩 To start a conversation with Chez, email [email protected]

Hypothèque

14/09/2026

10/09/2026

09/09/2026

08/09/2026

03/09/2026

02/09/2026

01/09/2026

27/08/2026

26/08/2026

25/08/2026

Address

Telephone

Website

Alerts

Contact The Business

Shortcuts

Share

Category

Listing takedown request