Duty First Mortgages

29/09/2026

The RBA went again today. Fourth rise this year😬

If you are on a $500,000 loan and your rate moves from 6.25% to 6.50%:

$3,079 a month becomes $3,160.
That is $81.75 more a month.
$981 a year.
$29,431 over the life of the loan.

Here is the bit most people miss. You do not have to just wear it.

If your lender has not been looking after you, there is a fair chance a rate 0.25% lower is sitting right there, and that wipes today's rise out completely. Anything better than that and you are in front of where you were this morning.

Not everyone will be better off, and I will tell you straight if you are already on a sharp rate. But there are deals to be had right now.

If your rate just moved, send me a message and I will run your numbers.

Worked example only, $500,000 over 30 years principal and interest. Your own rate and repayment depend on your lender and your situation. Not an offer of credit.

17/09/2026

Tax Debt 💸
Not a popular subject but unfortunately there is a lot of it and we are paying a lot for it.

I have found many people don't know that you can actually refinance your tax debt into a cheaper rate saving literally $1000s in interest every year.

The tax office charges 11.43% interest.
I have been seeing deals as low as 7% which is really good for tax debt.

If your struggling to get ahead on your tax debt let me know, there are lots of little tricks we can do to consolidate multiple debts into one and get them cleared quickly.

Give me a call if you have any questions

13/09/2026

09/09/2026

03/09/2026

Submitted 7 PM. Formal approval by 2 PM the next day. 🙌

19 hours.

Beautiful block up on the water, and construction starts shortly.

I don't take it for granted when one runs like this. Most of it comes down to the file being properly packaged before it goes anywhere, so there's nothing left for the lender to come back and ask for.

Not every deal moves this quickly. But they can when the groundwork's done properly.

Building soon? Send me a message.

dutyfirst

17/08/2026

Tomorrow is Vietnam Veterans' Day. 🇦🇺

Sixty years ago, on 18 August 1966, a group of Australians fought at Long Tan.

The part that sticks with me is what came after. A lot of them came home quietly, to a country that didn't much want to talk about where they'd been. No parade. No thanks. It took decades to start putting that right.

If you know a Vietnam veteran, tomorrow's a good day to pick up the phone.

Lest we forget.

13/08/2026

What a home loan actually costs each month 👇

$400k → $2,398
$500k → $2,998
$600k → $3,597
$700k → $4,197

That's the number people guess at, and guessing is what stops them starting.

Send this to whoever's guessing.

Based on 6.00% p.a. principal and interest over 30 years. Example only, not a quote or an offer.

13/08/2026

$30k deposit. Here's how long it actually takes 👇

$100/wk → 5.8 yrs
$200/wk → 2.9 yrs
$300/wk → 1.9 yrs
$400/wk → 1.4 yrs

Most people never do this sum. They just assume it's out of reach.

Save this if you're building a deposit.

Worked example only: a 5% deposit on a $600,000 home, straight savings, no interest counted. Eligibility rules apply.

09/08/2026

You don't need $100k. 🏡

A 5% deposit on a $600,000 place is $30,000. Not $120,000. That's the number that stops most people before they even start.

If you've been saving towards a number someone made up, send me a message and let's work out your real one. 👌

brisbanemortgagebroker dutyfirst

27/07/2026

Ever noticed your bank only ever offers you... your bank?

That's the catch. Walk into one lender and you get one answer, one product, one rate. And they'll never tell you if someone down the road would look after you better.

That's the whole reason a broker exists. I compare dozens of lenders, I work for you and not for them, and I go and find the one that actually fits.

Lately a fair few lenders have been sharpening their rates too, and most of those deals are aimed at NEW customers, not loyal ones. So if you haven't looked at your loan in a while, it's worth a fresh set of eyes.

The first chat is the easy part. Send me a message whenever you're ready. 🏡