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

Question:   What is green and has wheels? .... Answer:   Grass.... we lied about the wheels!

image courtesy of Detanan at

Hello and welcome to our Spring newsletter. We love this time of year as we really feel the buzz of the real estate market picking up. This is great news for many of our clients that have pre-approved finance in place, and just haven’t been able to find the right property while there has been less housing stock on the market over Winter.

In this edition, we explore the opportunity at hand for you right now while interest rates seem steady. We explain how we can benefit you by arranging a personal loan, but not at personal loan rates (!) plus check out our yummy Spring recipe, just in time for all of the entertaining you might be doing with the warmer weather upon us.

And don’t forget to get your entry in for a chance to win our fabulous trip for two to New York, valued at over $9,500!

Wishing you all a glorious Spring season as we all come out of hibernation and start to reconnect with all that beautiful Sydney has to offer.

And if you’re planning to buy a new or upgraded home this season, don’t forget to get in contact as soon as possible so we can arrange pre-approved finance for you – there is lots of competition out there amongst buyers and we want to give you every possible chance to win the home that you want. 

Happy Spring everyone!

Warm regards,
Brian and Rebecca Rusten
Let's Get Personal... 

image courtesy of Michelle Meiklejohn at

Did you know that Energise Home Loans can also assist you with personal loans?

It is not unusual for our customers to contact us from time to time, needing a little bit of extra cash for a new car or some home improvements etc.

The good news is that we can often make an arrangement for you with lenders that gets you a far cheaper interest rate than a traditional personal loan.

Have a chat to us about a better alternative to finance the purchase of a new car or other things that you are needing, we will be happy to assist.

Lamb and Spring Vegetable Salad


500g lamb backstrap, trimmed
olive oil cooking spray
1 bunch baby carrots, trimmed, scrubbed

250g green beans, trimmed
200g butter beans, trimmed
1 bunch thin asparagus, trimmed
1/3 cup mint leaves
1 tablespoon boiling water
1/3 cup white wine vinegar
1 tablespoon brown sugar

Step 1
Preheat oven to 180°C. Season lamb with salt and pepper. Spray with oil. Heat a frying pan over medium-high heat. Cook lamb for 3 minutes each side. Transfer to a baking tray. Cover with foil. Cook in the oven for 12 minutes for medium or until cooked to your liking. Rest lamb for 10 minutes. Slice thinly. 

Step 2
Meanwhile, bring a large saucepan of water to the boil. Add carrots. Cook for 5 minutes. Using a slotted spoon, transfer to a sieve. Refresh in cold water. Return water to the boil. Add beans. Cook for 1 minute. Add asparagus and cook both for a further 2 to 3 minutes. Drain. Refresh in cold water. Combine vegetables in a large bowl. 

Step 3
Chop three-quarters of the mint. Place in a heatproof bowl. Drizzle with boiling water. Add vinegar and sugar. Stir until sugar has dissolved. Season with salt and pepper. 

Step 4
Place salad and lamb on plates. Drizzle with mint sauce. Sprinkle with remaining mint leaves and serve.

Recipe and image courtesy of

Who says romance is dead? 

With the start of the Spring season, we thought we'd share this with you, to show that romance is alive and well...even at Ikea!

Read the story here.

Win a Trip to New York On Us! 

Ever wanted to travel to New York but just haven't ever made it there?

Enter our great new competition and you could win a trip for two to New York, including air fares, 7 nights accommodation, city passes and $1,000 spending money!

Plus, if you know any friends or family that could benefit from some financial or lending advice, gain an extra entry by referring them to us on the entry form too.

Click here for your chance to win.

Interest Rates are on Hold - So What Now? 

image courtesy of


Interest rates have been on hold for some time now, with the cash rate at a wonderfully low rate of just 2.5%.

But what does this mean for people who are paying off a mortgage? 

Finance experts are tipping official interest rates are likely to start rising in 2015, and they say now is a good time for people to do a stock-take of their home loan. 

What should home buyers do?

Several banks recently dropped their five-year fixed interest rates to between 4.95% and 4.99%.

And even more exciting is a one year fixed rate that has just crossed our desk of just 3.99% fixed for one year!


Money Expert, Michelle Hutchinson says borrowers should consider taking advantage of the competitive deals on offer.

"Interest rate hikes are on the horizon and look set to start rising very soon so borrowers need to start preparing now before it’s too late," she says.

"For instance, variable rate borrowers with a $300,000 mortgage will need to factor in an extra $300 per month to keep up with repayments should their interest rate increase by 150 basis points."

While things are predicted to probably remain steady for the rest of 2014, that won’t be the case forever, given that interest rates are cyclical.

As such, now is probably a good time to review your overall debt position, get advice and determine whether you want to hedge your position a little by locking in a fixed rate. And remember that it doesn’t have to be all or nothing either. Many of our clients choose to have a combined strategy, with part of their home loan fixed and part on a variable rate.

If you haven't already done so, look seriously into reviewing your home loan provider and your current loan arrangements.

Calling us is a great first step to make the process as easy and quick for you as possible. 

The information in this article is of a general nature only and does not consider your personal objectives, financial situation or particular needs.


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