The Mortgage Myth No One Talks About (And Why We Won’t Play That Game)

Everyone loves a good myth. Property markets are too hot. Mortgages are too complicated. Now isn’t the right time. You’ve heard them all before, whispered by mates over a weekend barbecue or thrown out casually on a morning talk show. But here’s the thing: myths are comfortable. They’re also dangerous. Because while people wait for the “perfect” time, opportunities pass them by.

At Besari Finance, we’ve never been in the business of myths. We’re in the business of cutting through the spin, showing Australians where the real opportunities sit, and giving them the clarity to move forward with confidence.

Now, here’s what most brokers won’t tell you: the property market doesn’t wait for your nerves to settle. It moves. And right now, it’s moving fast. Demand is surging again across the Australian market. Not by accident, but because of a handful of government incentives designed to keep the property engine humming.

Take the Federal Government’s expansion of the Home Guarantee Scheme. Thousands of extra spots have been opened, allowing first-time buyers and single parents to purchase with as little as 5% down, without the sting of lenders’ mortgage insurance. Then layer on new stamp duty concessions in states like NSW and Victoria, plus regional first-home buyer boosts, and you’ve got a cocktail of incentives fuelling demand at every open house.

Here’s the uncomfortable truth: if you’re waiting for the market to “cool,” you might be waiting a very long time. These incentives don’t just help buyers—they heat the market. They create more bidders, more competition, and more urgency.

So the real question isn’t “Is now the right time?” The real question is: how are you positioning yourself to take advantage before the crowd gets louder?

That’s where we step in. We don’t just process loans, we architect strategies. Because what matters isn’t only the size of your mortgage approval; it’s whether you’re stepping into the market with a plan that actually sets you ahead, not behind.

Think of it this way: the banks and developers have their own playbooks. The government has its playbook. But who’s building yours? That’s our job. Whether it’s structuring your loan to maximise flexibility, identifying the hidden gems in lender policies, or simply translating finance jargon into something that actually makes sense—we’re in your corner.

The property market will always have noise. Incentives will come and go. What matters is whether you have a team that knows how to cut through the clutter and help you win. That’s exactly what we do.

Because waiting for the perfect time? That’s the biggest myth of all. Sometimes all you need to see is behind the curtain.

Andrew Nott