Your property
journey
starts here.

Joseph Bakhos
Joseph BakhosFounder & Mortgage Broker

I live in the Inner West and I'm actively building my own property portfolio — investing in NSW and interstate. I got into broking because too many people like me were leaving money on the table. I'm here to change that.

First Home Buyers
Investors
Refinancers
Let's map your next move
60 seconds · Free · No credit check
Step 1 of 4 — What are you looking to do?
Step 2 of 4 — Property details
Step 3 of 4 — Your situation
Step 4 of 4 — Where do we send your options?

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Who We Help

Wherever you are
in your journey

Whether you're taking your first step onto the ladder or expanding a portfolio — we've guided people through every stage of the property journey.

🏠

First Home Buyers

The property market can feel overwhelming when you're starting out. We break it down step by step — explaining every option, unlocking grants you didn't know existed, and making sure you walk into your first home with total confidence.

  • First Home Guarantee (5% deposit, no LMI)
  • NSW stamp duty exemptions
  • FHSS Scheme guidance
  • Pre-approval within 48 hours
  • No broker fees — ever
📈

Investors & Refinancers

Your property goals don't stop at one. Whether you're building a portfolio, unlocking equity in what you already own, or questioning whether your current loan is still working for you — we help you see the full picture and move with purpose.

  • Interest-only structuring
  • Equity release & portfolio lending
  • Rate renegotiation & refinancing
  • Self-employed & complex income
  • SMSF loans available
The Process

A clear path from
here to settled

Most people find finance the most stressful part of buying property. We make it the easiest.

01

We learn your story

Everyone's situation is different. We start by understanding where you are, what you're trying to achieve, and what's standing in the way.

02

We do the homework

We search across 40+ lenders — not just for a rate, but for the loan structure that actually fits your life and your goals long-term.

03

You make the call

We lay out your options in plain language. No pressure, no pushy sales. You choose what makes sense — and we back your decision completely.

04

We see it through

From application to settlement, we handle every moving part on your behalf — so you can focus on the exciting part: what comes next.

Free Tools

Understand your
position before you move

Knowledge is the best starting point. Use our free calculators to get a clear picture of what's possible before you speak to anyone.

Repayment Calculator

Loan Amount $600,000
Interest Rate 6.50%
Loan Term 30 years
Monthly Repayment
$3,796
per month
Weekly
$876
Fortnightly
$1,752
Total Interest
$766,516
Total Repaid
$1,366,516
Speak to a broker →

Borrowing Capacity

Annual Income (gross) $120,000
Monthly Living Expenses $3,000
Existing Debt Repayments (monthly) $500
Dependants 0
Estimated Borrowing Capacity
$612,000
approximately
Est. Monthly Repayment
$3,898
20% Deposit Needed
$153,000
Max Property Price
$765,000
LVR (with 20% dep.)
80%
Confirm with a broker →

Stamp Duty Calculator

Property Value $850,000

⚠️ Estimates only — rates updated for 2025–26. Consult your conveyancer for exact figures.

Total Stamp Duty
$33,290
for an $850,000 property in NSW
Transfer / land duty$33,290
First home buyer concession—
First home owner grant—
Mortgage registration fee~$154
Total upfront estimate ~$48,600
Talk to a broker →

Negative Gearing Calculator

Property Value $750,000
Loan Amount $600,000
Interest Rate 6.50%
Weekly Rental Income $650
Annual Other Expenses $8,000

⚠️ Estimates only. Does not constitute tax advice — consult your accountant for personalised guidance.

Annual Tax Benefit
$4,290
property is negatively geared
Annual Rental Income
$33,800
Annual Interest Cost
$39,000
Total Annual Expenses
$47,000
Net Rental Position
–$13,200
Tax Rate Applied
32.5%
Weekly After-Tax Cost
$174
Discuss this property →
Free Resources

Guides & checklists
for every stage

Practical tools to help you move forward with confidence — download them free, keep them handy.

📋

First Home Buyer Checklist

Everything you need to do before, during, and after buying your first home — in order.

Download PDF
🔍

Property Due Diligence Guide

What to check before you make an offer — building inspections, title searches, strata reports and more.

Download PDF
📊

Investment Property Analysis Template

A spreadsheet-style breakdown to help you assess any investment property before you commit.

Download PDF
🔄

Refinancing Readiness Checklist

Is your current loan still working for you? Use this checklist to find out when it's time to switch.

Download PDF

To upload your own PDF files, replace the # in each button's href with the direct link to your file (e.g. from Google Drive or Dropbox).

Client Reviews

People we've helped
along the way

Every settlement is someone's next chapter. Here's what a few of them had to say.

Get In Touch

Let's talk about
where you want to go

No obligation, no pressure. Just a straightforward conversation about your situation and what's possible.

📞
Call us

0435 744 944
Mon – Sat, 8am – 7pm

✉️
📍
We come to you

Servicing all of NSW & Australia-wide via video appointment

ACL #389328
CRN 576416
FBAA Member

Send us a message