Aussie - Chris Carstens

Aussie - Chris Carstens With extensive experience within the Real Estate and Finance Industries experience expanding over 7 years my role as The Senior Aussie Mortgage Broker base
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With extensive experience within the Real Estate and Finance Industries experience expanding over 7 years my role as The Senior Aussie Mortgage Broker based in Melbourne, is to work with you to find a home loan to best suit your specific needs. I will assess your financial and personal situation as well as manage the whole process from start to finish to ensure a streamlined, stress-free process f

or you. As a fully accredited Mortgage Broker holding a Diploma of Financial Services and Mortgage Broking, and accredited by the Mortgage and Finance Association of Australia (MFAA), I can help you to:
• Buy your first home
• Refinance your current home loan to consolidate your debts or to use the equity to purchase another property
• Build your investment property portfolio
• Buy a commercial property
• Establish a savings plan to help you reach your future goals

My mission is to exceed your expectations through a collaborative and personalised approach to tailor a solution to suit your needs whilst building long term relationships to ensure you are always kept up to date with the lowest rate, the most flexible home loan or to help you understand the home loan process and the current market. I'll compare the best loans offered by our panel of lenders to find you the home loan that will help you achieve your property buying goals. If you are ready to purchase your property now or just need some guidance on how to get started, feel free to get in contact with me for a FREE consultation in person. To get in touch please email [email protected] or call me on 0411 444 211

With interest rates rising, Aussies are looking for more ways they can save. A quick chat could help get your home loan ...
31/07/2023

With interest rates rising, Aussies are looking for more ways they can save.

A quick chat could help get your home loan back on track. Let's talk!

Looking to renegotiate your home loan? Aussie is here to help! If you haven’t refinanced in a while and have been with y...
25/07/2023

Looking to renegotiate your home loan? Aussie is here to help!

If you haven’t refinanced in a while and have been with your lender for some time, you may not have the most competitive rate.

I can provide a quick home loan review from over 25 lenders, so you know what options you’re eligible for. Let’s talk!

If you think you’ve found your dream home, let’s talk about getting you your free property report today! Explore million...
20/07/2023

If you think you’ve found your dream home, let’s talk about getting you your free property report today!

Explore millions of Australian properties and access information such as value estimates, property details and past sales. Let’s talk!

Australian property markets rose 1.2% collectively in May, the third consecutive monthly increase! This comes as a resul...
18/07/2023

Australian property markets rose 1.2% collectively in May, the third consecutive monthly increase! This comes as a result of continuously low levels of housing supply and increasing demand.

Here’s how each major city has performed.
Sydney 1.8%
Melbourne 0.9%
Brisbane 1.4%
Adelaide 0.9%
Perth 1.3%
Hobart 0.5%
Darwin 0.4%
Canberra 0.4%

Source: CorelogicAU Hedonic Home Value Index

Like many Australians, you may have heard about the looming fixed rate cliff.The RBA predicts that around two-thirds of ...
13/07/2023

Like many Australians, you may have heard about the looming fixed rate cliff.

The RBA predicts that around two-thirds of fixed-rate mortgages are set to expire in 2023, meaning many Australian's will face sharp increases in their repayments as their home loans switch to their revert rate.

Being prepared for your fixed rate’s expiration date is important, your local Aussie broker is here to help you come up with a plan. Let’s talk!

11/07/2023

At Aussie, our expert team of Refinanceers can help with all your home loan refinance needs, no matter how complex. Let’s talk.

06/07/2023

You’ve checked out various models, worn out your shoes in car yards, and taken several test drives… and it’s all a part of the experience!

Buying a car is often life’s second biggest purchase to buying a home. So, it's important to find the right car loan for your individual needs.

Let’s talk to ensure your car loan is just as right for you as your new car is.

All four of the largest capital cities have experienced a rise in housing values over the rolling quarter, with Sydney n...
20/06/2023

All four of the largest capital cities have experienced a rise in housing values over the rolling quarter, with Sydney now surpassing the January trough by 3.0%.

Here’s how each major city has performed.
Sydney 3.0%
Melbourne 0.3%
Brisbane 0.1%
Adelaide 2.4
Perth 1.2%
Hobart -2.4%
Darwin -2%
Canberra -1%

Source: CorelogicAU Hedonic Home Value Index

If your fixed rate is ending soon, it’s important to consider the all differences between a fixed rate and variable rate...
15/06/2023

If your fixed rate is ending soon, it’s important to consider the all differences between a fixed rate and variable rate home loan to make an informed decision when refinancing.

I can help you determine which option best aligns with your financial goals and lifestyle. Let’s talk!

13/06/2023

If your fixed rate is ending or you need an expert to help you save on your home loan, let’s talk.

Need new equipment for your business?June 30th is fast approaching! Temporary full expensing may allow you to claim an i...
08/06/2023

Need new equipment for your business?

June 30th is fast approaching! Temporary full expensing may allow you to claim an immediate deduction for the business cost of an asset in the year it is first used.

Let’s talk to see if your business is eligible!

The monthly consumer price index now sits at 6.8% in the 12 months to April. This is an increase from 6.3% recorded in M...
02/06/2023

The monthly consumer price index now sits at 6.8% in the 12 months to April. This is an increase from 6.3% recorded in March. Housing inflation outpaced the CPI all groups rate, rising 8.9% in the same period.

With the RBA set to meet again on Tuesday the 6th of June, how do you predict this data will impact their decision?

Source: ABS Monthly Consumer Price Index Indicator April 2023

The financial year ends on the 30th of June!If you need a new car, van, truck or ute, Let’s talk to help you find the co...
01/06/2023

The financial year ends on the 30th of June!

If you need a new car, van, truck or ute, Let’s talk to help you find the commercial vehicle loan that drives your business further.

In a competitive market, lenders are doing everything they can to attract new customers and retain existing ones. While ...
30/05/2023

In a competitive market, lenders are doing everything they can to attract new customers and retain existing ones. While refinance cashback deals are a great way to increase cash flow, it’s important to look at the offer by asking the following questions:

1. Will you have access to the home loan features you need?
2. Is the home loan interest rate comparable to others on the market?
3. Does the lender offer a level of customer service that meets your needs?

Let’s talk to discuss if cashback offers are the best option for your needs!

In a changing market, you may feel uncertain about your home loan. However, the right features could help put you back i...
23/05/2023

In a changing market, you may feel uncertain about your home loan. However, the right features could help put you back in control!

Features such as offset accounts, redraw facilities and cashback offers all help your home loan work for you.

Let’s talk to explore loan features that will suit your needs!

At Aussie, we understand how important it is to have the right vehicles and equipment. We’re business owners too! That’s...
18/05/2023

At Aussie, we understand how important it is to have the right vehicles and equipment. We’re business owners too!

That’s why we work with you to find the right finance solution to keep your business moving. Let's talk.

16/05/2023

With over 5,000 five-stars on ProductReview, the Refinanceers from Aussie could help you save thousands by refinancing your home loan - so let’s talk!

Time for a new car?At Aussie, we’re here to help you speed your way through the world of car finance. With no dealer pre...
09/05/2023

Time for a new car?

At Aussie, we’re here to help you speed your way through the world of car finance. With no dealer pressure, no complex contracts and no hidden costs.

Let’s talk

Here’s a quick snapshot of the median housing values across Australia for the month of March. From this data, does anyth...
04/05/2023

Here’s a quick snapshot of the median housing values across Australia for the month of March. From this data, does anything surprise you?

Sydney: $1 014 393
Melbourne: $747 322
Brisbane: $698 071
Adelaide: $645 721
Perth: $567 111
Hobart: $650 689
Darwin: $492 465
Canberra: $828 175

Source: CorelogicAU Home Value Index April 2023

Before your fixed rate expires, paying off as much of your home loan as possible before you’re hit with a higher interes...
25/04/2023

Before your fixed rate expires, paying off as much of your home loan as possible before you’re hit with a higher interest rate can be a smart move – if it’s possible for you to do so.

While fixed rate loans don’t allow for unlimited extra repayments, many lenders do allow extra repayments up to a certain amount. If you can reduce your home loan balance before your interest rate increases, you could save a lot of money on interest payments while building a healthy home loan buffer.

Australia’s housing market has varied significantly in performance over the past year! Here’s how your city has performe...
20/04/2023

Australia’s housing market has varied significantly in performance over the past year! Here’s how your city has performed.

Sydney: -13.%
Melbourne: -9.6%
Brisbane: -6.8%
Adelaide: +5.1%
Perth: +2.4%
Hobart: -11.8%
Darwin: +2.9%
Canberra: -6.7%

*Source: Monthly Housing Chart Pack March 2023 - Data from Feb 2022 to Feb 2023

It can be worrying time for both homeowners and prospective buyers to see interest rates and mortgage repayments increas...
18/04/2023

It can be worrying time for both homeowners and prospective buyers to see interest rates and mortgage repayments increase. Here are some top tips for how you could manage higher interest rates

1. Consider switching to fortnightly repayments
2. Analyse your spending habits
3. Review your rates with an Aussie Broker

If you’re concerned about your home loan, speak to your local Aussie broker today

Many borrowers across Australia were lucky enough to get their hands on a fixed rate home loan in 2020 and 2021. Given...
13/04/2023

Many borrowers across Australia were lucky enough to get their hands on a fixed rate home loan in 2020 and 2021. Given that most fixed rate mortgages have a fixed period of between 1 and 5 years, many borrowers are fast approaching the end of their fixed term and are unsure of what to do next.

If your fixed rate loan is ending soon, Aussie can help. Let’s talk!

Need a new car, van, truck or ute to grow your business? An extra set of wheels could help you make deliveries on time, ...
11/04/2023

Need a new car, van, truck or ute to grow your business? An extra set of wheels could help you make deliveries on time, take on more jobs and staff, allow your business to be more mobile, or help you transport heavy equipment.

Let's talk to help you find the commercial vehicle loan that drives your business further!

06/04/2023

The Refinanceers from Aussie have the tools and expertise that could help save thousands on your home loan – so let’s talk.

28/03/2023

Interested in a property or curious about your own? Let's talk about your free property report today!

23/03/2023

Dreaming of a new home? Your local Aussie broker is here to help make your dreams become a reality. Let’s talk to discuss your home loan needs today!

22/03/2023

If you’re self-employed or your circumstances are out of the ordinary, there may be options available to help you into your first home.

Low doc loans are especially designed for self-employed workers, who often can’t provide traditional proof of income like regular pay slips. It’s all about providing different types of evidence of your income.

If you’re interested in these home loans, let’s talk!

16/03/2023

Finding a new vehicle loan for your business just got easier with Aussie.

No matter whether you need to update your current car or work vehicle, or purchase additional vehicles, an Aussie Broker can help you find the commercial vehicle loan that drives your business further.

Let’s talk.

Here’s a breakdown of some of the fees and expenses you might encounter when looking to buy your first property!1. Lende...
14/03/2023

Here’s a breakdown of some of the fees and expenses you might encounter when looking to buy your first property!

1. Lenders Mortgage Insurance
2. Hiring a conveyancer or solicitor
3. Property Inspections
4. Council and water rates

Let’s talk to make your dreams of homeownership a reality.

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Southbank, VIC
3006

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Videos

Refinanceer
Refinanceer

At Aussie, our expert team of Refinanceers can help with all your home loan refinance needs, no matter how complex. Let’s talk. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #fixedrateending

Aussie Drives a Great Deal
Aussie Drives a Great Deal

You’ve checked out various models, worn out your shoes in car yards, and taken several test drives… and it’s all a part of the experience! Buying a car is often life’s second biggest purchase to buying a home. So, it's important to find the right car loan for your individual needs. Let’s talk to ensure your car loan is just as right for you as your new car is. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #financegoals #broker #brokers #assetfinance #newcar #workvehicle #businessvehicle #truck #van

Refinanceers TVC - Fixed Rate
Refinanceers TVC - Fixed Rate

If your fixed rate is ending or you need an expert to help you save on your home loan, let’s talk. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #fixedrateending

Rising Rates 1-1 5 Stars
Rising Rates 1-1 5 Stars

With over 5,000 five-stars on ProductReview, the Refinanceers from Aussie could help you save thousands by refinancing your home loan - so let’s talk! #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #financegoals #fixederateending #fixedrate #rates #expiringrates

Refinanceers TVC 1
Refinanceers TVC 1

The Refinanceers from Aussie have the tools and expertise that could help save thousands on your home loan – so let’s talk. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers

PropertyReport
PropertyReport

Interested in a property or curious about your own? Let's talk about your free property report today! #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers #investment #investmentproperty

NewHome
NewHome

Dreaming of a new home? Your local Aussie broker is here to help make your dreams become a reality. Let’s talk to discuss your home loan needs today! #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers

Low-Doc Loans
Low-Doc Loans

If you’re self-employed or your circumstances are out of the ordinary, there may be options available to help you into your first home. Low doc loans are especially designed for self-employed workers, who often can’t provide traditional proof of income like regular pay slips. It’s all about providing different types of evidence of your income. If you’re interested in these home loans, let’s talk! #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers

AssetFinance
AssetFinance

Finding a new vehicle loan for your business just got easier with Aussie. No matter whether you need to update your current car or work vehicle, or purchase additional vehicles, an Aussie Broker can help you find the commercial vehicle loan that drives your business further. Let’s talk. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #financegoals #assetfinance #savings #newcar #carloan #commercialvehicle #commercialvehicleloan #smallbusiness

Repayments Explained
Repayments Explained

Home loan repayments are regular payments made to your lender to pay back the funds you borrowed to purchase a property. The amount and frequency paid are agreed upon between the borrower and lender and are determined by interest rates, the length of the loan term and the type of home loan. Let’s talk! #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers

Refinanceers Variable Rate
Refinanceers Variable Rate

When your variable rate keeps rising or you need to consolidate your debt, your Aussie Refinanceers are here to make your home loan work harder. Let’s talk. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers

Aussie Select
Aussie Select

Looking for a home loan that’s simple and straightforward? Aussie Select could be an option for you. With a range of loan and repayment types available, ask your Aussie Broker how Aussie Select might help you with your property goals. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker

LMI
LMI

Wondering how Lenders Mortgage Insurance (LMI) is calculated? This depends on your lender and the size of your deposit. Your lender will arrange LMI for you if you’re expecting to borrow more than 80% of your home’s value. Your local Aussie broker can help you calculate Lenders Mortgage Insurance based on your personal situation. Let’s talk about your home loan today. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker

Property Goals 2023
Property Goals 2023

Welcome to 2023! If you’re yet to set any new year's resolutions, there’s still time! Renovating, buying a new home or purchasing a new car is all possible through refinancing. Let’s talk about how refinancing can help you achieve your goals. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers #refinanceers

What Is a Comparison Rate?
What Is a Comparison Rate?

Ever heard of the phrase ‘comparison rate’ and wondered what it means? A comparison rate allows you to identify and compare the true cost of your loan repayments over the lifetime of your loan, considering the interest rate and additional fees and charges. Let’s talk about your home loan today. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers #refinanceers #rates #comparison #comparisonrate

How are rising rates impacting housing prices?
How are rising rates impacting housing prices?

If you’re in the market for a new home, now may be the perfect time! With recent adjustments to the cash rate, house prices are trending downwards for the first time since 2008. Let’s talk to make your dream of owning a new home a reality. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers #brokerlife

When is the right time to refinance?
When is the right time to refinance?

When is the right time to fix your home loan interest rate? As our economy recovers and interest rates rise, it might be the perfect time for you to review your home loan. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers #brokerlife

Refinancing
Refinancing

Calculate how your home loan repayments could change with a rate rise with our online rate rise calculator. https://bit.ly/3TLN9RE Let’s talk about refinancing and getting a better deal. #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #refinance #financegoals #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage #homeloans #homeloan #homeloanhelp #broker #brokers #brokerlife

Rent-vesting 1-1
Rent-vesting 1-1

Rent-vestors are on the rise and with good reason! There are many benefits of renting where you want to live and investing where you can afford so you don't have to sacrifice your lifestyle. Let’s talk about your property goals and if rent-vesting is the right option for you! #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #mortgage #mortgagebroker #mortgagerates #mortgagehelp #homeloans #homeloan #homeloanhelp #broker #brokers #brokerlife #rentvesting #renting #rent #tenant #landlord

Housing Affordability Impacts
Housing Affordability Impacts

If you’re interested in getting your foot in the property door, you may be concerned about rising interest rates.​ Find out how housing affordability could be affected by rising interest rates: https://bit.ly/3BQStLX #aussie #aussiehomeloans #aussiebroker #aussiemortgagebroker #finance #personalfinance #mortgage #mortgagebroker #mortgagerates #mortgagehelp #refinancemortgage​ #homeloans #homeloan #homeloanhelp​ #broker #brokers #interest #interestrates #property​ #homeowner

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