Sean Wroe

SCARY STORIES AROUND THE CAMPFIRE. Remember those? Campfire stories are some of the most captivating – and scary. Just like these 3 scary stories, I continually hear about being a first home buyer trying to get a loan in this current marketplace. You know the ones – those caution stories you hear, but they just aren't true. Things like: 1️⃣ Do I need a Pre-Approval? 2️⃣ Do I need to have a 20% deposit to purchase property? 3️⃣ Do I need to wait to have genuine savings? But you wanna know the truth about each one of these "scary stories"? Here's the reality, minus the Bogeyman: ✅ Just knowing you qualify for a home loan is not enough. Currently, most lenders do not fully assess pre-approval, and many lenders are giving out approval in principle. Rather than going for multiple approvals in principle with many lenders, you should source a great mortgage broker. Cough Cough... We can do a loan qualification review, which is a fully assessed financial analysis, similar to what a credit assessor would do. We will analyse your credit report and monthly spending via bank statements and check that your income is appropriate with that lender's policy. ✅ Of course, 20% is the ideal deposit, but young people can not save quickly enough for the suburbs they are looking in. Having a higher deposit will be better due to lower repayments and better rates, but there are lenders and products on the marketplace that allow you to get into the property market with as little as a 5% deposit. ✅ Genuine savings is a term the bank uses to describe a specific savings pattern; generally, they want to see you hold at least 5% of the properties purchase price in one of your bank accounts for at least three months. Fortunately, not all banks need to see genuine savings; there are a few lenders that will allow you to use your rental history for the past 6-12 months, or some lenders do not need any genuine savings. There you have it - nothing to be scared of! Tell me... which one was the most surprising to learn? 👇🏼 https://www.instagram.com/p/CU_ehBhp7MJ/?utm_medium=tumblr

BEFORE I WAS A MORTGAGE BROKER I WAS AN OLYMPIAN THAT COMPETED AT THE 2008 BEIJING OLYMPICS. This year I ✈️ to Tokyo, I know right?  Who would of thought international travel?  To have an amazing opportunity working as a volunteer for the @ausolympicteam in the Olympian Services team. I had an opportunity to share my story with @australianbroker. Thanks everyone to a fun campaign and many new friendships! 🙏🏽 https://www.instagram.com/p/CUrI3-_FVJ8/?utm_medium=tumblr

Happy #internationaldogday! @kobeisgolden loves rocking the fully signed @australianboomers @ausolympicteam 💛💚 jersey! 🐶 (at Byron Bay, New South Wales) https://www.instagram.com/p/CTBe0M4HFMb/?utm_medium=tumblr

How good was @keeganpalmer at the skateboarding? 🛹 🥇🏆 Even @cate_campbell and I were impressed! (at Tokyo 2020 Olympic Village) https://www.instagram.com/p/CSMCB37nydS/?utm_medium=tumblr

It’s was great to see @balapat and talk about the good old days in 07 when he was at the AIS athletics base in Malaga. @ausolympicteam https://www.instagram.com/p/CRsj3lWtjQM/?utm_medium=tumblr

It’s was great to see @balapat and talk about the good old days in 07 when he was at the AIS athletics base in Malaga. @ausolympicteam https://www.instagram.com/p/CRsj3lWtjQM/?utm_medium=tumblr

4 more sleeps till I leave to 🇯🇵 12 more sleeps till the Olympics Games opening ceremony. This is me doing a little dress rehearsal with @kobeisgolden @ausolympicteam @asicsaustralia @volleyaustralia @sportscraft https://www.instagram.com/p/CRLvi1ZNLmv/?utm_medium=tumblr

Nice little walk with mum this morning! https://www.instagram.com/p/CPww9g4Dli1/?utm_medium=tumblr

It was short but sweet. It’s always great to come back to the old stomping ground. I love you Melbourne! #cityofmelbourne https://www.instagram.com/p/COrsgghN7Tz/?igshid=1crkzr2la5jyz

This… is Mango 🥭 A board painstakingly shaped, glassed, loved and owned by the talented Josh @remnantsofdreams I have had the pleasure of riding Josh’s board the past couple of years and have never felt better than when I’m on Mango. Last night, Josh, the creator of the Mandalay magic carpets, gifted me the OG Mango. It was emotional to say the least 😭 (at Byron Bay, New South Wales) https://www.instagram.com/p/CMlX-3GHarg/?igshid=1fpyh35adq3e7

36 never looked so good! #byronbayfaaaashion 📸 @remnantsofdreams https://www.instagram.com/p/CMiPZMKHUGz/?igshid=1kxuh16dyiflu

Such an amazing crew! Such an amazing house over looking the beach! Such an amazing weekend! https://www.instagram.com/p/CKskyevnHN1/?igshid=4obqvzzcyecy

𝙄 𝙨𝙤𝙡𝙙 𝙢𝙮 𝙇𝙚𝙭𝙪𝙨! It was the first time selling a 🚘 for me, and the emotions were high. I bought the Lexus brand new off the lot when I just turned 30. I put it on car finance and 💭 I’m going into my 30’s, and I need a sweet looking car. I was working at a job that I wasn’t too fond of, had retired from athletics and had no idea what to do next in my professional career. I ubered using the car when ubering was cool, and you got to meet some cool early adopters. I picked up Elly from the airport when she first touched down in Melbourne and whilst I was running late to pick her up got a speeding fine close to Mickleham Road turn off. I made many road trips up to the Gold Coast and back. I got a fury friend chauffeured him around. I have had plenty of laughs, many stories and secrets told in this car. It is impressive when you say goodbye to something and how connected you are with your vehicle. Thinking about all the memories that you have had in that vehicle, it is nostalgic. Thanks, Lexus for the safe driving, the memories Elly, Kobe and I will miss you. Enjoy your new 🏡 and new adventures! https://www.instagram.com/p/CH9XHf9HE3m/?igshid=ipwq3lx225bb

This year I am a @polishedman ambassador again, and over the weekend @ellydowning and I held the first-ever #byronbay #polishedman charity event. 😃 We invited 20 of our closest friends; we sold tickets and catered it with delicious food and alcohol.   𝙒𝙚 𝙜𝙤𝙩 𝙚𝙫𝙚𝙧𝙮𝙤𝙣𝙚 𝙩𝙤 𝙥𝙖𝙞𝙣𝙩 𝙖 𝙣𝙖𝙞𝙡, 𝙖𝙣𝙙 𝙗𝙮 𝙥𝙖𝙞𝙣𝙩𝙞𝙣𝙜 𝙖 𝙣𝙖𝙞𝙡 𝙬𝙚 𝙖𝙧𝙚 𝙝𝙚𝙡𝙥𝙞𝙣𝙜 𝙩𝙤 𝙧𝙖𝙞𝙨𝙚 𝙖𝙬𝙖𝙧𝙚𝙣𝙚𝙨𝙨 𝙖𝙣𝙙 𝙛𝙪𝙣𝙙𝙨 𝙩𝙤 𝙝𝙚𝙡𝙥 𝙚𝙣𝙙 𝙫𝙞𝙤𝙡𝙚𝙣𝙘𝙚 𝙖𝙜𝙖𝙞𝙣𝙨𝙩 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣. We held an auction event, where people donated unique talents or gifts that they wanted to share. We ended the night with sabotage trivia where you could donate money and steal points off other teams and sabotage to win the $200 cash prize kitty. Even though 2020 has been a challenging year for a lot of people, it was still great to get together and contribute and donate funds to such a great cause. If you want to donate, please hit the link in my bio 👆🏼 and get behind this great cause. https://www.instagram.com/p/CF-7upSHBd7/?igshid=6bju15x0fdze

There are over ten million properties in Australia, and more than half of those are currently mortgaged. It got me thinking. 🤓 With interest rates so low close to 2 - 2.5% that average is relatively high. It means there are a lot of households with high-interest rates. 😤 If that's you, we need to talk. 🗣 DM 📩 me or comment #saveme in the comment below! 👇🏼 🛑 paying too much for your home loan. 🤙🏼 P.S. - This interesting stat was in published by comparison site MOZO in their annual Australian home loan statistics summary last month. https://www.instagram.com/p/CF87B7SHkz4/?igshid=16d2cg5roxlo0

𝙄𝙛 𝙄 𝙬𝙚𝙧𝙚 𝙩𝙤 𝙖𝙨𝙠 𝙮𝙤𝙪 𝙩𝙤 𝙙𝙧𝙖𝙬 𝙖𝙣 𝙞𝙢𝙖𝙜𝙚 𝙤𝙛 𝙮𝙤𝙪𝙧 𝙢𝙞𝙣𝙙, 𝙬𝙝𝙖𝙩 𝙬𝙤𝙪𝙡𝙙 𝙞𝙩 𝙡𝙤𝙤𝙠 𝙡𝙞𝙠𝙚? As human beings, we can visualise anything. If I were to ask you to visualise or draw your fridge, you could describe it correctly. You could explain the colour, what's in the refrigerator even which way the fridge door opens. When it comes to your mind, not many people can describe or visualise their mind. This stick person allows you to understand your mind. Your mind can be broken into two parts, keeping it simple. Your conscious mind and your subconscious mind! The conscious mind is connected to the world around us through our senses. We can hear, see, smell, taste and touch. We have been raised to live through our senses to gather information, which is predominately what we have been trained or conditioned to do. The subconscious mind is the part of the mind that expresses whatever is impressed upon it. The expression is what we refer to as doing. You could say the subconscious mind is in control of the doing in our body. To change what we want to do. You will need to change your subconscious mind. Meaning change our PARADIGM! In 2018 for two years, I did a study program with my mentor @spritzmindset and @proctorgallagher working on changing my PARADIGM. It involved continuous repetition. Similar to running training! I'm glad I went through the program, and it is only now when I look back and reflect as to where I am, I have realised I have changed a lot of my paradigm. I would love to share what I have learnt. If you want me to share with you and explain this concept comment with 🧠 in the comment below.👇🏼 https://www.instagram.com/p/CFY57tTnam3/?igshid=1leobqvtg5rq3

Happy birthday @ellydowning I hope you have the best day! 🥳🥰🤪 https://www.instagram.com/p/CDh7r3pnTq8/?igshid=moiyt5v7t88g