Buying your first home or managing debt doesn’t just happen on paper—it happens in the real world, with all the emotions, life events, and financial curveballs that come with it. That’s why Jesse Bullock, Principal Broker at UNO Home Loans, is passionate about helping clients reset their relationship with debt—not just take on more of it.
“If you don’t have a good relationship with debt, or with your mortgage, it’s time to reset it,” says Jesse.
Before entering the finance world, Jesse served in the Australian Army and worked in small business—experiences that now shape the empathy and insight he brings to every client interaction.
“I’ve had a few different perspectives,” Jesse explains. “It’s given me a different outlook on how I support people.”
That human-first approach is key, especially for first home buyers who are stepping into unfamiliar territory.
Whether you're in your twenties or simply new to the market, Jesse says the best time to get guidance is early—even if you're not ready to buy yet.
“People almost feel guilty reaching out early. But I say, book the chat! You don’t need to have it all figured out.”
Understanding your budget, building a safety net (like an offset account), and resisting pressure from “property gurus” online are all part of the long game. Jesse encourages clients to slow down, tune out the noise, and build a plan that’s based on their personal goals.
Debt isn’t just a number—it’s a relationship. Jesse urges buyers to view their mortgage not as a burden but as a tool. Used well, it can help you build equity, fund future investments, and create long-term financial freedom.
That might mean making small extra repayments, using surplus income wisely, or simply staying on track with regular check-ins.
“You can’t control the market, but you can control your relationship with debt.”
Jesse recommends touching base with your broker every 6 months—not just when you need a loan.
“Life changes. Your goals change. Your debt strategy should change too.”
Life doesn’t always go to plan. Jesse sees many clients in their 30s or 40s who started strong but have ended up juggling multiple debts: a mortgage, car loan, credit cards, maybe even business finance.
That’s where debt consolidation comes in—rolling those high-interest debts into your home loan to lower your repayments and regain control.
“Debt consolidation is a way to simplify your financial life,” Jesse explains. “But it’s not just about the numbers. You need to understand what led to the debt in the first place.”
And that’s where a judgment-free, empathetic conversation with a broker can make all the difference.
“It’s okay to be vulnerable. That’s how we make real progress.”
For business owners, the debt picture is even more complex. Between ATO obligations, fluctuating income, and personal mortgage repayments, things can get stressful fast.
Jesse breaks it down simply: you’re running two balance sheets—one for the business and one for your home. And when one starts to wobble, it affects the other.
“You still have to pay yourself so you can pay your mortgage. But if the business hits a rough patch, everything is under pressure.”
The solution? Strategic planning, a good accountant, and a broker who understands both sides of the equation.
Throughout the conversation, one theme stands out: your plan has to be your plan.
“Don’t build your financial future off a 45-second YouTube video. This isn’t one-size-fits-all.”
That means setting goals that reflect your values—whether that’s paying off your home early, investing in property, or simply feeling less stressed about money.
And if you're not sure where to begin? Jesse’s advice is simple.
“Pick up the phone. Book the chat. Even if there’s no action to take today, the conversation itself might change everything.”
Need help with your home loan or debt strategy? Jesse can help you:
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