David Johnson

David Johnson

Credit Advisor & Mortgage Planner

David Johnson ‘The Home Loan Guy’

Mobile: 0412 218 568

Email: David@thehomeloanguy.com.au

My name is David 'Johno' Johnson, I am the Home Loan Guy.

I live on the Lower North Shore & love to work in the local area, I am a proud member & Long time Sponsor of the Balmoral Triathlon Club. www.balmoraltriclub.org.au

If you have more than one loan, you have a Debt Portfolio and chances are it’s costing you MONEY. As a Debt Planner I work with your entire Debt Portfolio and show you how to use your debt correctly and effectively to achieve the outcomes you want. I work for you not the lender.

Unfortunately, the overwhelming majority of borrowers have two big problems; first, they take a “set and forget” approach to their home loan and their borrowings in general. For example, if you took out your current home loan 3 years ago, with all the interest rate changes in that time you are most likely paying at least 0.5% more than you need to – that’s over $2,400 in additional interest every year. (Based on an average mortgage of $500k)

The other problem is most people treat their loans as individual items rather than as part of a bigger portfolio. You’ve heard of an investment portfolio, right? But I bet you’ve never heard of a debt portfolio? Which one of these do you think is more important to manage correctly, and here’s a hint, which one costs you money, the debt portfolio right? Well, I will show you how to use your debt correctly and effectively to achieve the outcomes you want. For instance, if you want to maximise your borrowing capacity so you can buy a new home, I will show you how to do that. If you want to reduce your monthly loan repayments, then I can show you how to do that, if you want to pay your loans off in the fastest possible time, I will show you how to do that.

If you’d like to regain complete control of your Debt Portfolio, I would love to help.

Spend just 15 minutes on the phone with me and I will conduct a Mortgage Makeover where you will find out exactly how much you could be saving right now on your debt portfolio.

You can book this discovery call right now, just click on the link below.

Click here to make an appointment!

Don’t forget to Download my free e-Book “How To Save $193,342 In Interest And 10 Years Off Your Home Loan”

Click here to download!


I have worked in the finance industry since 2001, and specifically in the Mortgage Broking industry since 2002. I joined Noble in February 2004 and have been looking after clients like you ever since. I have not worked for a bank and never want to, I want to work form my clients to help them achieve their personal goals.


- NSW Justice of the Peace

- Diploma of Financial Services (Finance/Mortgage Broking Management)

- Certificate IV in Financial Services (Finance/Mortgage Broking)

- Advanced Mortgage Planning Course

- Graduate Diploma Business Studies (UNE)

- Bachelors of Agricultural Economics (UNE)

Professional Memberships

- Accredited Member of PLAN Australia

- Accredited Full Member of the MFAA (Mortgage & Finance Association of Australia)

- I am an Authorised Credit Advisor of the MFAA

- I am a Member of CIO (Credit and Investments Ombudsman - Member no. 412589)

- I am a Licensed Mortgage Broker and operate as Credit Representative

David Johnson is a credit representative (CRN 399 318) of BLSSA Pty Ltd (Australian Credit Licence No. 391 237)