Laura Moya Local Mortgage Broker

Laura Moya Local Mortgage Broker Laura Moya - Local Mortgage Broker. Helping First Home Buyers. Mortgage holders refinance their mortgages. Purchase owner occupier or investment property(ies).

I am in Chirnside Park Vic 3116. Zoom or phone calls available. Laura Moya Local Mortgage Broker services Eastern Suburbs of Melbourne, Victoria and surrounding suburbs. Whether you are buying your first home, refinancing, upgrading, consolidating your debts or building your property investment portfolio, looking for a home loan can be both a daunting and time consuming experience. I like to see m

yself as "your personal shopper" to suit your finance needs. Why go direct to a bank when you can enjoy my individually tailored services at no cost to you. I can compare hundreds of loans from our panel of lenders, including the big banks, to get you a competitive rate and more importantly a solution that's tailored to meet your specific needs. Time is a very precious commodity in this fast-paced world we live in today. Why don’t you let me use my expertise, knowledge and skills to undertake the loan comparison research, paperwork and follow-up behind the scenes, giving you more time to focus on other aspects of your everyday life. I offer a caring and grounded approach and my aim is to save you time and money. I understand that the world of finance can be confusing and unsettling at times and I would love to work with you to answer questions along the way and guide you through the process with minimum of fuss. Why choose me?

1. I am accredited with the Mortgage and Finance Association of Australia (MFAA).

2. I have successfully completed the Advanced Diploma of Legal Practice through RMIT Tafe in mid 2007 and I hold a Certificate IV in Mortgage and Finance completed in May 2006.

3. I have worked as a Mortgage Clerk for over a decade. This has provided me with hands on experience on the back end of the transactions from preparing internal loan applications, loan documentation, verifying files were in order to proceed to settlement. Liaising with property valuers, conveyancers, solicitors and arranging for settlements (either for purchases or refinances), attending settlements, instructing settlement agents to attend to stamping and lodging documentation at the Land Registry and the State Revenue Office.

4. I have a “Can Do” attitude. Possessing such a vast pool of knowledge and hands on experience of having worked for financial institutions, I am not only able to assist you as your “Personal Finance Shopper” but, I can also explain to you what normally happens “behind the scene” from my own personal experience. Please feel free to call me directly to make an appointment at a time and place that suits you. I look forward to meeting you and starting a journey together not only for the short term but post settlement and maintaining a long term relationship for your ongoing financial needs. Let us achieve your financial dreams together!

Stay safe. It’s going to be a hot day ahead 🥵
06/01/2026

Stay safe. It’s going to be a hot day ahead 🥵

Tomorrow has been declared a day of Total Fire Ban for the Central region which included Lilydale and its surrounds.

For more information on what you can and can’t do during TFB, please click the below link.
https://www.cfa.vic.gov.au/warnings-restrictions/fire-bans-ratings-and-restrictions/about-total-fire-bans

There is a significant financial penalty for breaking these restrictions and Victoria Police have a dedicated team that respond to incidents during the Fire Danger Period and on Total Fire Ban days. 👮‍♀️ 🚓

Stay safe and stay cool over the next few days and make sure you check on your neighbours. If you’re able to, please put out water for wildlife and insects as well! 🏡

23/12/2025

With private school fees rising quicker than inflation, key Sydney schools will eclipse $50,000 next year.
Review had this article.
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Would you pay this fee for a private school fee per child? Would just send them to a public school.
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Comment below below ⬇️⬇️ Financial Review

20/12/2025

Rental market in Australia is very tight. Supply and demand ratios are not in favour for tenants. This new proposal is going to be banning property owners from putting their properties on short-term rentals to try and put back into the rental market which is a long-term stays readily available to fix the shortage issues within their municipality.
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Is this the right solution, below? Are you for it or against it?

20/12/2025

Rental market in Australia is very tight. Supply and demand ratios are not in favour for tenants. This new proposal is going to be banning property owners from putting their properties on short-term rentals to try and put back into the rental market which is a long-term stays readily available to fix the shortage issues within their municipality.
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Is this the right solution, below? Are you for it or against it?

18/12/2025

What’s the “fair split of household finances between couples” 🤷🏻‍♀️
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In every relationship, they will always be someone who earns more than the other. Comment below with your thoughts ⬇️⬇️

09/12/2025

Reserve Bank of Australia cash rate announcement for December 2025.
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Fixed vs variable products. What’s the latest update in the mortgage market as at December 2025 ⬇️⬇️⬇️

High DTI loans to be capped from February 2026--APRA, the banking regulator, will limit the share of high debt-to-income...
04/12/2025

High DTI loans to be capped from February 2026
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APRA, the banking regulator, will limit the share of high debt-to-income (DTI) lending from 1 February to keep financial risks in check. Banks will be allowed to write no more than 20% of new loans at a DTI of six or above.
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The move reflects concern about rising household debt as the market heats up. Interest rate cuts this year have lifted borrowing capacity and credit growth is running above its long-term average. At the same time, investor lending has surged, with new investor loans growing at about triple the pace of owner-occupier loans.
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APRA said high DTI lending is still relatively low overall, but has begun to rise and is increasingly concentrated among investors (see image). In past cycles, this type of borrowing has been linked to easing credit standards and rapid price gains.
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The cap will not apply to bridging loans or loans for new builds, to avoid slowing housing supply.
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By acting early, APRA hopes to stop household debt from climbing to levels that could weaken financial stability later in the cycle.
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04/12/2025

This video explains what happens when you switch jobs AFTER settling your loan. Laura Moya from Local Mortgage Broker shares the details. ⬇️⬇️

02/12/2025

Christmas and festive seasons have kicked off first week of December.
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Gifting can be great fun HOWEVER remember to stick to your budget and avoid straining household finances.
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Share your tips for making household finances easier to manage around this time of year ⬇️⬇️

Address

PO Box 224
Southbank, VIC
3116

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 7pm
Sunday 9am - 7pm

Telephone

+61404226546

Website

https://linktr.ee/lauramoya?utm_source=linktree_profile_share<sid=51195b76-4bed-42db-801

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