I’m Q - That Homeloan Dude

The most followed mortgage broker on Tiktok in Australia 👉 @thathomeloandude - 53k💪 LinkedIn 10k 🙌

[I’m Q - That Homeloan Dude @TheHomeloanDude]

Australian Politics Explained with Transformers

Using Transformers to explain oz politics - just sizz and giggles guys Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #ausfinance

[I’m Q - That Homeloan Dude @TheHomeloanDude]

5 Types Pacific Islanders Using Offset Account

Pacific Islanders and my Polynesian fam - uce is joking - comedy only 🙏 Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #offsetaccount

[I’m Q - That Homeloan Dude @TheHomeloanDude]

Are you Contaminating Your Debt?

Debt contamination is a serious investor mistake Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #buyersagentaustralia #mortgagebrokeraustralia #propertyinvestment #personalfinancetips

[I’m Q - That Homeloan Dude @TheHomeloanDude]

How to Pivot After May Budget Changes

You can spend the next six months complaining about the May Budget...
Or you can spend the next six months adapting to it.
The market doesn't care how unfair the rules are. It rewards the people who understand them and adjust.
In this video, I break down how I'd pivot after the May Budget changes, where I think the opportunities are now, and the strategies I'd be looking at instead of trying to force the old playbook to work.
Watch the full video and let me know if you agree or disagree.

#thathomeloandude #mortgagebrokeraustralia #propertyinvestingaustralia #buyersagentaustralia #negativegearingH

[I’m Q - That Homeloan Dude @TheHomeloanDude]

FART Framework of Investment

Talking about money stinks and that’s why I have a framework to help couples get REAL about buying property together 💨😅🙏 Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #propertyinvestment #couplefinance

[I’m Q - That Homeloan Dude @TheHomeloanDude]

100% Refund

Ever wonder how everyone gets paid in your property journey? 👀

Here's the truth about mortgage broker commissions.

🏡 Selling agent: 1.5–2% commission. They get paid regardless of what happens after you sell.

🏡 Buyer's agent: $10k–$30k. They find the property, but if it underperforms, they still keep their fee.

🏡 Solicitor/conveyancer: $1.5k–$3k per transaction. Paid once the deal settles.

🏡 Accountant/trust setup: Upfront fees plus ongoing annual fees.

Now here's what most Aussies don't know...

💰 Most mortgage brokers charge the client $0.

The bank pays us a small commission for doing the strategy, structuring, approvals, paperwork, and managing 20+ hours of work to get you to settlement.

But here's the catch...

📌 Refinance or sell within 12 months? The bank claws back 100% of our commission.

📌 Within 24 months? They claw back 50%.

We're the only profession in the property chain that can do everything right... and still end up earning $0.

Not the client's fault—it's simply how the banking system is designed.

Meanwhile, the bank keeps collecting interest and profits.

I'm not looking for sympathy. I love what I do and I'm proud to help families build wealth through smart lending strategies.

But I do believe people should understand how the system actually works.

That's why I value loyal clients. We don't disappear after settlement—we review your loans, protect your structure, and help you build wealth for the long term.

Support the people who support your journey.

And to every hardworking mortgage broker in Australia...

Fight the good fight. ✊🙌

#thathomeloandude #mortgagebrokercommission #mortgagebrokeraustralia #propertyinvestmentaustralia #buyersagentaustralia

[I’m Q - That Homeloan Dude @TheHomeloanDude]

What is Your Lag Ratio

Mostly my own observation and opinion from 15 yrs of brokering investors and their investment portfolio - don’t take offence Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #propertyinvestment #decisionparalysis

[I’m Q - That Homeloan Dude @TheHomeloanDude]

High Income Client with High Tax?

Setting up a lot of Eagles back into the wilderness to reach their potential tax deduction peak- this video is for high income professionals with majority of debt in owner occupied Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #debtrecycling #negativegearin

[I’m Q - That Homeloan Dude @TheHomeloanDude]

4 Types of Millenials I Speak To

Just observing and speaking my mind and my own humble opinion- investing is a sacred journey for everyone- your thoughts? 🤔 Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #propertyinvesting

[I’m Q - That Homeloan Dude @TheHomeloanDude]

5 Mindsets of 16 Property Investor

My investor client who owns 16 properties shared some secrets from a philosophy book - pedagogy of the oppressed- learn to free your mind and start investing like a pro today Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #propertyinvestment #selfsabotage

[I’m Q - That Homeloan Dude @TheHomeloanDude]

Buffet Investor

Buying property this year? Don’t confuse appetite with borrowing power. It’s limited. Choose wisely 🙏 Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #propertyinvestment #borrowingpower

[I’m Q - That Homeloan Dude @TheHomeloanDude]

Should I fix my rates now??

Don’t believe me. All banks secretly raising rates in December before the next RBA meeting 😬 Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #fixedrates #ausfinance

[I’m Q - That Homeloan Dude @TheHomeloanDude]

I’m heartbroken..

I’m heartbroken.
I’m angry.
And I can’t stop thinking about the families whose lives were shattered on the 14th of December in Bondi.
.
Again, I’m just a nobody.
A small potato.
Speaking as a human.
And as a first-gen Asian migrant dad.
.
This is my humble opinion... whether you agree or not..
.
I’m just saying this:
one person’s violence does not define a whole community.
.
The Father & Son who did this represent a terror group.
Their actions do Not represent a community.
Their actions do Not represent their skin colour/race...
Nor any hardworking migrants in this country.
.
What they did represented their extremist lunatic ideals.
.
They're not Australians. Quiet honestly, they should be trialed for treason and kicked out ASAP.
.
Australia has always been strongest
when we choose clarity over chaos,
compassion over cruelty,
and unity over fear.
.
That's my opinion.
.
Again, I'm a nobody. Stay safe :)

[I’m Q - That Homeloan Dude @TheHomeloanDude]

This is how I help an IT Contractor

Thinking about building an investment property portfolio in 2026? It’s not too late Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #propertyinvestment #propertyportfolio

[I’m Q - That Homeloan Dude @TheHomeloanDude]

Refinance Cashout

Refinance and cash out strategy Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #refinance #propertyinvestment

[I’m Q - That Homeloan Dude @TheHomeloanDude]

Equity Release of Property

Want to equity release from your property in 2026? 🤫 Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #equityrelease #investmentproperty

[I’m Q - That Homeloan Dude @TheHomeloanDude]

New Changes in 2026

New Zealand residents that don’t hold a SCV visa will be treated as a foreigner by state revenue Victoria and charged foreigner additional duty. Be careful my kiwi neighbours! 🤦🏻‍♂️ Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #newzealand #victorianproperty

[I’m Q - That Homeloan Dude @TheHomeloanDude]

How to Use Equity To Buy Property

How to use equity from your property to buy investment properties Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #propertyequity #investmentproperty

[I’m Q - That Homeloan Dude @TheHomeloanDude]

APRA DTI Changes Good For Investors

Great for first time investors to snap up cooled down prices due to APRA debt to income curfew Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #propertyinvestor #propertyinvestment

[I’m Q - That Homeloan Dude @TheHomeloanDude]

APRA DTI Restriction

Meet Loan Daddy (APRA). He used to be chill. From 18 to 22, his daughters (aka investors) were out at Ivy and Establishment every weekend, no curfew. Now he’s slapped on “home by 11pm.” And because he’s extra, he adds the 20% rule: he has five daughters, but only one can go clubbing in any given week. That’s the bank’s high-DTI bucket: only 1 out of 5 gets through.
Alternate DTI gag: DTI = “Dress Tease Index” Loan Daddy’s favourite phrase at the door.

PRACTICAL EXAMPLE
Income $100k → at DTI 6×, your total debt ceiling is ~$600k.
Already own an IP worth $700k with $500k debt? You’ve got ~$100k of headroom before you smash the 6× line. That won’t fund much unless you:
• Tip in a big deposit,
• Lift income (provable), or
• Target assets/lenders where rental add-backs help servicing.
And remember the rationing: if your chosen bank is close to its 20% cap for investors, they’ll give the limited spots to the tidiest files first.

WHAT’S EXEMPT (the loophole-ish bit)
Two carve-outs: bridging (OO) and new dwellings. APRA’s not trying to choke new supply, so qualifying new builds can side-step the DTI-cap bucket — you still must pass normal servicing, but you’re not fighting for a “one-in-five” ticket.

BANKS VS NON-BANKS
This curfew is for deposit-taking banks — Loan Daddy’s house. Non-banks aren’t under the same DTI cap. They’re the Sugar Daddies: friendlier to night life, but the drinks can cost more. If you need an intro to a polite Sugar Daddy, I know a few.

WHAT TO DO IF YOU’RE NEAR 6×
• Trim debt (cards, car loans, unused limits).
• Prove income cleanly (BAS/NOA, stable rent, fewer shading hits).
• Improve yield without buying rubbish.
• Shop lenders (some are nowhere near their 20% line; others are already guarding the door).
• If it fits your strategy, consider qualifying new builds to avoid the bucket fight.

BOTTOM LINE
Loan Daddy didn’t shut the club — he just put on a curfew and a guest list. If you’re a high-DTI investor, you need a sharper file and a smarter lane. Book a 15min Super Clarity call with me if you have any questions 🙏#thathomeloandude #mortgagebrokeraustralia #apra #debttoincome