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We look forward to hearing from you!

Joshua Trevitt

0420 315 795

joshua@jthomeloans.com.au

 

Ronda Trevitt

0405 151 814

ronda@jthomeloans.com.au

 

Admin Team

admin@jthomeloans.com.au

 

Office
20/107 Wells Rd
Chelsea Heights VIC 3196

 

PO BOX 12040
Carrum VIC 3197

 

 

5 days ago

JT Home Loans
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1 week ago

JT Home Loans
Sound advice from the oracle of Omaha! ... See MoreSee Less
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1 week ago

JT Home Loans
*** Solution to housing crisis??***What’s Being Proposed?From current reporting, the video likely references key reforms aimed at easing Australia’s housing shortage through regulatory change. Here’s a breakdown of the most recent proposals and expert perspectives:1. Regulatory Red Tape ReformThe Business Council of Australia (BCA) has released a 65-page “Better Regulation Report” outlining how excessive regulation—over 80,000 rules costing more than $110 billion—hamstrings housing supply, productivity, investment, and approvals . It recommends: • Consolidating and simplifying environmental and licensing approvals, • Streamlining foreign investment processing, • Removing redundant low-revenue tariffs, • Establishing a national single portal and appointing a dedicated regulatory-reform cabinet minister .Treasurer Jim Chalmers has also stressed the urgent need to overhaul the Environment Protection and Biodiversity Conservation (EPBC) Act, citing how costly delays are keeping people from housing—and could yield around 30,000 new homes more quickly if reformed .2. Modular and Prefabricated HousingNew approaches like modular or kit homes are being encouraged. For example: • Queensland-based Instant Expandable Homes NQ produces affordable modular container homes, though it still faces certification and accessibility regulation hurdles . • The federal government is investing A$54 million in prefabricated and modular home manufacturing, tying it to reducing regulatory and site constraints . • Additionally, researchers highlight how granny flats and other small-scale dwellings can supplement housing stock efficiently and affordably  .3. Workforce Development & Skilled MigrationLabor’s plan includes fundingfree TAFE and apprenticeship incentives to boost construction labor capacity—key for meeting their 1.2 million homes target by 2029 (with 55,000 aimed at social and affordable housing) .4. Infrastructure InvestmentAddressing the root causes of stalled builds, such as missing infrastructure, is viewed as vital. The Coalition previously proposed A$5 billion to fast-track greenfield developments by funding roads, sewers, and utilities—and to curb National Construction Code changes that drive costs up . Developers like James Fitzgerald argue that sluggish local approvals are the real jam in housing delivery—akin to inviting more guests without adding food .What’s the “One Move”?Putting it all together, the “one move” highlighted likely revolves around cutting the regulatory red tape—simplifying environmental laws, streamlining approvals, and facilitating modular housing. When paired with infrastructure investment and workforce strategies, these changes could unlock housing at scale.Issue being addressed:Approvals & Environmental Red TapeHousing Supply Boost Infrastructure BottlenecksWorkforce ShortagesThese measures align with the Albanese government’s broader strategy to build 1.2 million homes by 2029 while also tackling supply, zoning, investment, and productivity constraints ... See MoreSee Less
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1 week ago

JT Home Loans
🏆 AWARD WINNER 2025 🏆We’re thrilled to share that JT Home Loans has once again been recognized by the Quality Business Awards — representing less than 1% of registered businesses in Australia!📊 This award is given to businesses achieving an average quality score of 95% or higher over the past 12 months.🏅 Ranked #1 Mortgage Broker in the City of Kingston for 2025.✨ Second year in a row bringing this recognition home!This achievement is a direct reflection of the trust and feedback from you — our incredible clients. Knowing we’re making a real difference in your financial journeys makes this all the more rewarding.These new window decals are on display with pride, as a reminder that we’re here to deliver nothing but exceptional service.Thank you for supporting us, referring us, and trusting us with one of life’s biggest decisions. Here’s to making 2025 another standout year! 🚀2025- qualitybusinessawards.com.au/2025/the-best-Mortgage-Broker-in-the-City-of-Kingston/JT-Home-Loans2024 - qualitybusinessawards.com.au/2024/the-best-mortgage-broker-in-city-of-kingston/jt-home-loans ... See MoreSee Less
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2 weeks ago

JT Home Loans
Happy rate cut day friends!!Cash rate down to 3.6% now with 3rd cut of 2025! ... See MoreSee Less
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3 weeks ago

JT Home Loans
***INFLATION TRACKING TO PLAN***🧠 What Metrics Does the RBA Consider?The Reserve Bank of Australia uses a mix of indicators to guide its decisions:🔍 Inflation Metrics- Trimmed Mean CPI: Strips out volatile items to show core inflation.- Headline CPI: Overall price changes across the economy.- Monthly CPI Indicator: Used cautiously due to volatility and incomplete coverage.📉 Labour Market- Unemployment Rate: Currently at 4.3%, a three-year high.- Wage Growth: Signals inflationary pressure or slack in the economy.- Underemployment & Participation Rates: Broader view of labour market health.🏠 Household & Business Conditions- Retail Sales & Consumer Spending- Building Approvals & Housing Loan Data- Business Confidence & Investment Intentions🌏 Global Factors- Commodity Prices (especially relevant for Australia)- Trade Developments (e.g. US-China tariffs)- Central Bank Policies Abroad (Fed, ECB, etc.)If you’re thinking about how this affects lending strategies or client messaging, I can help tailor a summary or email that hits the right tone. Want to explore that next?Data in review:June 2025 CPI Snapshot- Headline CPI rose 0.7% for the quarter, bringing annual inflation to 2.1%, down from 2.4% in March.- Trimmed Mean CPI (RBA’s preferred measure of underlying inflation) came in at 2.7%, also easing from 2.9%.- Key contributors to the quarterly rise:- Housing: +1.2% (driven by electricity costs)- Food & Non-Alcoholic Beverages: +1.0% (fruit & veg up 4.3%)- Health: +1.5% (private health insurance premiums rose)- Offsetting factors:- Transport: -0.7% (automotive fuel down 3.4%)- Fuel prices are 10% lower than a year ago.youtu.be/lp0tR3VznH0 ... See MoreSee Less
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Chelsea Heights VIC 3197

 

PO Box 12040
Carrum VIC 3197

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