Headshot of Thomas Makin, Principal Mortgage Broker and Co-founder of Scale Mortgage.

Author: Thomas Makin

Welcome to the Author Page of Thomas Makin, the innovative Co-Founder & Principal Mortgage Broker at ScaleMortgage.

Thomas brings a unique blend of experience and expertise to the mortgage industry, marked by his distinguished background as an AICIP Inspector and an Aircraft Maintenance Engineer.

Thomas brings a unique blend of experience and expertise to the mortgage industry, marked by his distinguished background as an AICIP Inspector and an Aircraft Maintenance Engineer.

His transition into finance, driven by a deep-seated passion and bolstered by a Diploma in Finance and Mortgage Broking, exemplifies his dedication to mastering the complexities of mortgage broking. Thomas is also proud to hold accreditation with the MFAA, a testament to his adherence to the highest standards of professionalism and ethical practice in the finance sector.

Here, Thomas shares his expert insights on key financial matters, including investment property loans, navigating mortgage rates, and the intricacies of home loan refinancing. His unique approach, informed by a rich tapestry of technical skills and a commitment to continuous learning, offers fresh perspectives on achieving homeownership and investment success.

Thomas’s Background

At the heart of ScaleMortgage, Thomas Makin redefines excellence as its Principal Mortgage Broker. His journey from the precision-driven fields of AICIP inspection and aircraft maintenance engineering to the dynamic world of finance underscores his unparalleled problem-solving skills and analytical prowess.

Thomas’s academic achievements, highlighted by his Diploma in Finance and Mortgage Broking, complement his hands-on experience, providing a solid foundation for his role in the industry. His status as an MFAA accredited broker further elevates his professional profile, aligning with his commitment to delivering trusted, knowledgeable, and ethical mortgage broking services.

Thomas’s career is distinguished by his ability to simplify the complexities of mortgage financing for his clients, ensuring they secure the best terms for their investment properties, find the most favourable mortgage rates, and navigate the home loan process with confidence. Specialising in investment loans, owner occupier loans, and first time home buyer support, Thomas leverages his unique background and qualifications to guide his clients towards their financial goals with clarity and precision.

Expert Insights by Thomas Makin

As a seasoned mortgage broker, Thomas has a wealth of knowledge and experience to share with his clients and readers. Here are some of his expert insights on various topics related to home loans and mortgages.

Investment Property Loans: What You Need to Know

Investment property loans can be a great way to build wealth and secure your financial future. However, they also come with their own set of challenges and considerations. According to Thomas, the key to success with investment property loans is to do your research and work with a trusted mortgage broker.

“Before jumping into an investment property loan, it’s important to understand the risks and potential rewards,” says Thomas. “Make sure you have a solid understanding of the property market trends, and interest rate trends in your desired location. And don’t be afraid to seek advice from a mortgage broker who can help you find the best loan for your investment property.”

The Importance of Regularly Reviewing Your Home Loan

With interest rates constantly fluctuating, it’s important for homeowners to regularly review their home loans to ensure they are getting the best deal. Thomas says this is especially important for those who have had their loan for a few years.

“Interest rates can change significantly over the life of a loan, so it’s important to review your home loan bi-yearly to see if you can get a better deal,” says Thomas. “This is where a mortgage broker can be extremely helpful. They have access to a wide range of lenders and can help you find the best mortgage rates for your specific situation.”

The Benefits of Working with an Online Mortgage Broker

In today’s digital age, more and more people are turning to online mortgage brokers for their home loan needs. According to Thomas, there are several benefits to working with an online mortgage broker like ScaleMortgage.

“Online mortgage brokers offer convenience and accessibility, as you can complete the entire loan application process from the comfort of your own home,” says Thomas. “They also have access to a wide range of lenders, which means they can help you find your best loan for your specific needs. Plus, online mortgage brokers often have lower overhead costs, which can result in better deals for their clients.”

Thomas Makin’s Top Tips for Home Buyers

As a home loan expert, Thomas has helped many first-time home buyers navigate the complex process of securing a loan. Here are his top tips for those looking to purchase their first home.

Start Saving Early

According to Thomas, the key to a successful home purchase is to start saving early. “The more money you can save for a deposit, the better your chances of securing a loan with favourable terms,” says Thomas. “Start saving as soon as possible and consider cutting back on unnecessary expenses to reach your savings goals faster.”

Work with a Mortgage Broker

Navigating the world of home loans can be overwhelming, especially for first-time buyers. That’s why Thomas recommends working with a mortgage broker. “A mortgage broker can help you understand your options and find the best loan for your specific needs,” says Thomas. “They can also assist with the loan application process and provide valuable advice along the way.”

Choose your loan product wisely

“In the fluctuating economic climate, choosing between a fixed-rate and variable loan is pivotal. Thomas Makin, leveraging his deep market insight, advises on selecting the right option based on current market trends and personal financial goals.

Fixed Rate Loans simplified

Fixed Rate Loans keep your payments consistent, protecting your budget from rising interest rates and market changes. This option is great for new home buyers or those with set budgets, providing reassurance with consistent monthly payments.

Variable Rate Loans in a Nutshell

Variable loans are good when interest rates are falling because your payments will reduce as rates decrease. This flexibility can lead to potential savings, appealing to those prepared to ride the waves of market changes.

Thomas advocates for a strategic approach, considering both the market’s direction and one’s financial situation. Decide wisely between fixed rate and variable loans to protect against rate changes and take advantage of lower rates. Making informed choices will help you benefit financially in any market situation.


Thomas Makin, the heart of ScaleMortgage, simplifies the complex world of home loans for you. With a wealth of knowledge and a knack for finding your best rate, he’s your go-to guide for buying, refinancing, or any mortgage advice you need.

Let’s make your dream home a reality.

Get in touch now and take the first step toward homeownership with Thomas.

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