Aidan Hartley

Home Loan Officer

Owl Home Loans

Getting home loans approved (with 98.3% success rate)

Mortgage Broker & Director

St.George Bank

Senior Home Loans Manager

Intelligent Finance - Australia's #1 Mortgage Broker

Home Loans Manager

Great Southern Bank

Home Loans Team Manager

The broker for first home buyers - helping you keep more of your time, money and sanity. Home loans, Investment, Refinance.

There's 22,031 mortgage brokers in Australia

Home buyers chose me to get their home loan approved because;

🎯 They access my 98.3% home loan approval record

🏠 They have choice of 53 lenders, meaning you can access the best offers

🦉 They leverage my experience of over 13 years in home lending, helping over 3,000 Aussies into their homes

🌱 They love that we plant 5 trees for every home loan 

🏦 You'll have access to; CBA, ANZ, Westpac, NAB, Suncorp, Bankwest, St George, Ubank, ING, Macquarie, ME, Bendigo.... the list goes on and on.

☎️ Let's begin - book a chat, or message me on LinkedIn 

🙋🏼‍♂️ About Me - I'm a home owner, I'm a property investor (9 properties). I'll organise and set up your loan as if it were my own.

Married, two cats, one dog.


You must be bored if you're still reading...

Fun fact - you can typically shave off 5.5 years from a 30 year home loan, just by paying it weekly or fortnightly, instead of monthly. 
Crazy hey!

Mortgage Broker & Owner

Getting home loans approved (with over 98% success)

How I paid-off my first Sydney unit by 33 (and bought with just 3% deposit)

My secret isn't complex

I didn't

- live off baked beans
- have a massive salary
- refinance every 6 months
- attend 'wealth creation' seminars
- get help from bank of mum & dad

I did

- buy a property within my means
- cut out the crap spending
- use an offset account
- smart debt recycling
- avoid bad debt

I've since used the equity to buy my Sydney house, which is now also paid off 

And leveraged that to buy a total of 10 quality properties (none of this regional $150k druggie town / flood zone crap)

P.s. my mortgage broking business exists to help you do the same, if you so choose.

The broker for first home buyers - Saving your time, money... and sanity. *Open to media and podcast opportunities*

I've used these 4 banks for my home loans:

(they got me to $10M property portfolio)

1st) Commonwealth Bank - Because I banked with them. Didn't really know what a broker did. Big error, cost me $1,000s

But, quickly made $150k equity, which allowed me to pull out the cash, and buy again.

2nd) St.George Bank - I was an employee, so could buy with 10% deposit and LMI waived

Bought my first investment with them.

3rd) Suncorp Bank - Locked in a 1.79% fixed rate with a refinance (ahhh those were the days!)

4th) NAB - allowed me to easily borrow as self-employed with high commission, scaled the property portfolio - just bought my 'forever' home!

Honestly... it's highly unlikely just one bank will help you climb the property ladder.

You purchase a home 2-3 times in your life

I do 2-3 purchases, per day.

Who do you think is better at picking the bank that will actually approve your loan?

---

My name is Aidan, and I get home loans approved standing on my head.

30, 40 or 50 year home loan term? It makes no difference 

You're going to pay it off in 5 years anyway 

Probably less.


Chances are, in two to five years you'll either:

A) Refinance to another bank

OR 

B) Sell the property (to upgrade)

So, just get whatever loan suits you at the time to acquire the property.

Because even if we get to 50 year loans

45 of them won't matter.

Swap 7pm mates for 7am mates 👍

w/ Matt Spears at Bondi this morning

The 10 Commandents for First Home Buyers: 

I) You don't need a 20% deposit

II) The best loans are the ones you're eligible for

III) Explore every single way to avoid LMI, but pay it if you must

IV) Never provide more documents than the bank requires

V) Pick the fast bank when purchasing

VI) Offset and redraw are not the same, get the offset

VII) View your credit history before applying

VIII) Always get the loan pre-approved first

IX) Pick a specialist first home buyer broker 

X) Thou shalt not skip thy property checks 🙏

If I can get myself to 10 properties...

I can (probably) get you to 1 🤷🏼‍♂️

This will spin your head - but AVOID applying with the bank you do your banking with 

The reason is simple:

They have years of your spending habits

They have too much information mate.

Yet, most banks these days DON'T require to see your transaction statements... 👀

maaate - buy the property BEFORE you buy the fancy car

My first home buyer was about to go to auction - but she didn't know she could save $30k

She's buying in Sydney, so stamp duty is fully waived up to $800k

BUT she was thinking the property might go for $805k...

So she thought the WHOLE stamp duty would then be applicable 

We ran the calculations, and the stamp duty is reduced from $31k, to just $1k

Because - she still gets a first home stamp duty reduction, when buying between $800k and $1m.

That extra few $k's could get you the property (and dissuade other FHBs you're competing against 😉)

p.s. she ended up winning the auction on this knowledge...

That money you salary-sacrificed to Super...

You can use it to buy your first home 🤯

Steps to see how much you can use:

- Log into MyGov
- Open ATO
- Click 'Super'
- Click 'Manage'
- Click 'First Home Saver'
- Click 'Start Determination'

Scroll down, and you'll be able to see the funds you can withdraw for your first home deposit 👌

Rubix Finance Solutions

Director

Valiant Finance

Commercial Finance Broker

Westpac

Business Banking Manager

National Australia Bank

Business Banker

Banker - Corporate and Business Servicing

Experienced Banker turned Broker - I built my experience across two of Australia's major financial institutions where I had the privilege of working with a diverse range of SME and Mid-Market clients to provide Debt Solutions and General Banking services. My time in Banking taught me the value of genuine relationships as they are the prime catalyst in delivering optimal outcomes.

When my time in Banking had come to its end, I entered the Broker space with one of Australia's largest Commercial Finance Brokerages, taking on the role of a Commercial Finance Broker where I was responsible for scouting the market to provide appropriate solutions for the funding needs of a broad client base including Start Ups, SME/Mid-Market and Corporate Enterprises. The organisation had a robust approach to the digitalisation of the fundamental processes involved in the world of Commercial Finance which has influenced my thinking around solving my clients' financial problems. 

I'm now a Director at Rubix Finance Solutions; an organisation where outcomes and relationships are our core focus. We're Ex-Bankers, so we know how things work in the world of Banking & Finance but we also know that one Bank or Lender can't provide all the right solutions. It takes a Broker with experience and access to a broad range of Lenders & Products to do that. We understand that the world of old and new both have a place in providing the best solutions in the market - that's why we take a focus on relationships that we learnt in banking and combine that with digitalised processes to achieve a balanced approach. Ultimately, our relationships are the key to our success and it's not just about the relationships we have with our clients, it's also about the relationships we hold with our Lending Partners - this is the real key to our success and what delivers superior outcomes for our clients at Rubix.

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