Pete Davies Mortgage Broker

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M: 0412 035 063

E: peter@propertyloanadvisor.com.au

Based in Lake Macquarie, working with clients across Newcastle, Hunter Valley, Port Stephens, Sydney, and nationwide.

Hey legends 👋
I’m Pete Davies — and if you’re new here, welcome to the tribe.

I’m not your average mortgage broker.

I’m your property strategist, your financial wingman, and the guy who’s obsessed with helping p

Ever wondered why your rate isn’t the same as your mate’s?

👀 It’s often down to one little number — your LVR (Loan to Value Ratio).
It tells the bank how risky your loan is.

High LVR = higher risk = higher rate.

Lower LVR

“The Aussie Dream starts with small decisions.”

It’s not just about owning a home — it’s about creating security, freedom, and opportunity for your family.

The little choices you make today — what you spend, what

Rates Staying on Hold (3.60%):
🔔 RBA Announcement – No Change!

The cash rate remains on hold at 3.60%.

While this gives borrowers a little breathing space, it’s still an excellent time to review your home loan. Many lenders are adjusti

What is Equity?

Think of equity as the hidden power sitting in your property.

It’s the difference between what your home is worth 💰 and what you still owe 🏦 — and it can open doors to BIG opportunities.
You can use equity to:

🔑 Buy

💡 “Do I Really Need a Pre-Approval?”

Short answer — YES. A pre-approval gives you clarity on your budget, confidence when making offers, and speed when it’s time to sign on the dotted line.
But here’s the catch…

💡 “Offset vs Redraw — What’s the Difference?”

I get this question all the time — they sound similar, but they’re not! And choosing the right one could save you thousands (and a few headaches) over the life of you

Investment Loans

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Credit Representative Number 563339 of Australian Credit Licence Number 389908