Get the low down on services, property tips and great offers with Energise Home Loans Winter newsletter!



Hello and welcome to our Winter newsletter. And no, the photo below is not a mistake! In the past week or so, temperatures have reached as high as 28 degrees! Unbelievably it was a short few days to the start of Winter at the time, but certainly all signs to the contrary!

Image courtesy of Brian Holm

It’s been another busy few months at Energise. We’ve had a number of clients looking for homes but without much choice out there, but all of a sudden, quite a few of them have happily found a home after all, and we couldn’t be happier for them! Plus, we note that a couple of Saturdays ago, we had the highest number of auctions scheduled in Sydney’s history EVER on one day!

In this edition, we explore the facts behind car dealer finance, explain how to use the equity in your home to buy an investment property, and explain the benefits of reducing your home loan as quickly as possible while interest rates are so low.

Plus check out our story on ‘Team Energise’ pushing up the steepest hill in Sydney for the Balmoral Burn, to raise funds for our charity of choice, the Humpty Dumpty Foundation.

Wishing you all a cosy Winter (or a balmy one, whichever is going to apply??). And please feel welcome to contact us if you need any lending or financial assistance – we are always more than happy to assist.

Warm regards,
Brian and Rebecca Rusten
Did You Know? 

…that Energise Home Loans can also assist you with car finance? And with the end of the financial year fast approaching, there will definitely be some great deals in new cars to be found.

Some of our customers have asked us about the value of car dealer finance. You know the deals we’re talking about – those ones that sound far too good to be true?

Well, as with many things in life, if it sounds too good to be true, it more than likely is!

Have a chat with us about a better alternative to finance the purchase of a new car.

Image courtesy of Vichaya Kiatying-Angsulee


What our customers are saying

Thank you to two of our lovely recent customers for your very kind feedback on our services. It is always a pleasure to know what your experiences with Energise are like.

Here’s what two of our customers have had to say recently:

"Thank you Brian for such a great home loan. I can't believe the saving that you got me. I recommend you to all my friends and family" - Bez Iranzadi

"I’m currently using Brian to re-finance my place for an extension and I have to admit he has made things very smooth for me and has got me a great interest rate – far better than what I was getting previously" – Dave Beneke 

Image courtesy of imagerymajestic


African Vegetable Stew

With our current weather we debated if we should do a hearty Winter warmer or a delicious Summer dessert, perfect for entertaining. Surely the Winter weather will arrive sooner or later so we went for a Winter meal that we hope you enjoy.

African vegetable Stew with Sweet Potato and Peanuts

2 teaspoons olive oil
1 large brown onion, thinly sliced
2 celery sticks, finely chopped
1 large carrot, peeled, finely chopped
2 garlic cloves, crushed
1 tablespoon curry powder
800g sweet potato, peeled, cut into 2cm pieces
400g can no-added-salt diced tomatoes
250ml (1 cup) water
185ml (3/4 cup) light coconut milk
1/2 teaspoon caster sugar
40g (1/4 cup) roasted unsalted peanuts
1 bunch English spinach, trimmed, leaves coarsely chopped
2 cups steamed SunRice Basmati Rice, to serve

Heat the oil in a large saucepan over medium heat. Add the onion, celery and carrot and stir for 6-7 minutes or until soft. Add the garlic and curry powder and stir for 1-2 minutes or until aromatic. Add the sweet potato. Stir until combined.

Stir in tomato, water and coconut milk. Bring to the boil. Reduce heat to low. Simmer, partially covered, for 20 minutes or until sweet potato is just tender. Stir in sugar and half the peanuts. Cook, stirring occasionally, for 3-4 minutes to develop the flavours.

Stir in the spinach. Cook for 1-2 minutes or until the spinach just wilts. Divide the stew and rice among bowls. Top with remaining peanuts.

Recipe and image courtesy of


Funniest Real Estate Agents...

Just for fun... click here!
'Team Energise' Conquers the Hill!

The sun was shining, the crowd was nervous with anticipation…..’Team Energise’ (and around 50 other families) stood at the bottom of ‘that hill’…waiting for the starting gun to fire.

It was an intense and heart racing experience, but ‘Team Energise’ made it up the steepest street in all of Sydney (Awaba Street, Balmoral) for the Balmoral Burn, raising funds for our favourite charity, the Humpty Dumpty Foundation.

Thank you so much to all of our wonderful supporters, who helped us to raise $190 for this great charity. These funds go towards the purchase of much needed hospital equipment for children in need of additional medical intervention.

If you’d like to make a donation to wards this great cause, it’s not too late. Please click on our fundraising page here.

We’re looking forward to joining in again next year.

Using Equity in Your Home to Buy an Investment Property

Home equity is the difference between your home’s market value and the amount that you still owe on your mortgage. For example, if your home is worth $800,000 and you owe $500,000 on your mortgage, your equity is $300,000.

If you are buying an investment property, you can access 80% of your home equity ($240,000 in the above example) as security, which eliminates the need for a deposit. This is your usable equity.

Many people make the mistake of thinking they should pay off their whole mortgage before considering an investment property. However, taking on an investment property while you are still paying off your home can make great financial sense, providing that you structure and gear it correctly, taking advantage of rental income and significant tax benefits.

Talk to us today about how you can harness these benefits now instead of waiting years into the future to start paying off your own investment property.

Image courtesy of nattavut

5 Ways to Cut Your Mortgage

Even though interest rates are currently low, there are still lots of great reasons to take some proactive steps to reduce your home loan even further. The huge benefits in doing this make it an easy decision when you look at the maths behind this (we’ll get to that in a minute):

1. Increase the frequency of your repayments.

In a calendar quirk, changing your repayments to a more frequent cycle will mean you make extra repayments each calendar year. Also, by increasing the regularity of your repayments you’ll end up paying less interest on the loan as there’s less interest compounding each period.

2. Keep repayments constant when interest rates fall.

Even though interest rates are currently low, it’s a great idea to leave your repayments at a level that you’ve been paying in the past at a higher interest rate. After all, if you were able to get by each week without that extra money in the past, it shows that you can continue to do so while rates are low. Instead of taking the opportunity to reduce your repayments at the first sign of a rate cut, keep them constant.

3. Budget for an extra $100 a month.

By putting an extra $25 each week into a $300k, 25 year mortgage at 7.5%, the interest saving is $19,000 and the loan shortened by 2 years and 10 months.

4. Ask your lender for a better deal.

By way of illustration, each quarter point cut in the interest rate will knock about $15,000 off the loan mentioned above. They can only say no.

5. Look around for a better deal with another lender

..but remember there is more to take into consideration than the rate alone.

If you haven’t already done so, look seriously into switching your home loan provider. Calling us is a great first step to make this process as easy and quick for you as possible.

Image courtesy of hinnamsaisuy

Brian Rusten
Mobile Finance Consultant
M: 0411 066 616

Rebecca Rusten
Business Development Manager
M: 0411 066 670

Welcome to Energise Home Loans. Our aim is simple - to provide everyone we touch with a stress free, fun filled property lending experience.

Our Services
Buying Your First Home
Buying Your Next Home
Refinancing / Debt Consolidation
Buying an Investment Property
Superannuation Fund Loans
Trust Loans
Business Finance
Personal and Car Loans
Referral Services

MFAA Approved Broker

Brian Rusten is a fully accredited member with the industry association, the Mortgage and Finance Association of Australia (MFAA), the peak body for the Australian mortgage industry.
All MFAA members belong to an independent dispute resolution scheme such as the Credit Ombudsman Service Limited.
Loan writing members are also required to become Accredited Mortgage Consultants (AMC). An AMC is covered by professional indemnity insurance, has passed probity checks, and has met education and experience requirements set out by the MFAA.
* Brian Rusten (Credit Representative No.
 M0019638, ABN 72132125636) is a representative of Mortgage Line Australia Pty Ltd (ACN 107284677 ("MLA"), Australian Credit Licence Number 386276).
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Our mailing address is:
PO Box 140, Belrose NSW 2085