Pillar Stone Consulting

Pillar Stone Consulting One-stop service to help you meet your financing needs in most efficient and cost effective manner. That's why I am here.

I am mortgage broker with over 10 years experience in financial service industry. It is always hard part to select an appropriate loan product and built up a structure right for you. I will help find solution to meet your funding requirement and structure it in the way that is most suitable for you. I will look after you myself from start to finish. Once loan product and structure selected, I'll h

elp take care of the paperwork or manage the application process right through to approval. My service cover both residential and commercial area. Please pick up phone or email me at anytime during your financial journey, free appointment available at a time and place suits you.

๐Ÿ—ž๐Ÿ“ฐ ๐—ช๐—ฎ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ผ๐—ณ๐—ณ๐˜€๐—ฒ๐˜ ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜ ๐—ณ๐—น๐—ฎ๐—ด๐—ด๐—ฒ๐—ฑ ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—”๐—ฆ๐—œ๐—– ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ถ๐—ด๐—ฎ๐˜๐—ถ๐—ผ๐—ป? ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃSo it turns out some mortgage offset accounts ha...
06/08/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—ช๐—ฎ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ผ๐—ณ๐—ณ๐˜€๐—ฒ๐˜ ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜ ๐—ณ๐—น๐—ฎ๐—ด๐—ด๐—ฒ๐—ฑ ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—”๐—ฆ๐—œ๐—– ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ถ๐—ด๐—ฎ๐˜๐—ถ๐—ผ๐—ป? ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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So it turns out some mortgage offset accounts havenโ€™t been working as intended, according to a recent investigation. Hereโ€™s how to check if your home loan offset account has actually been helping you save. ๐Ÿ”Ž ๐Ÿกโฃ
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https://pillarstoneconsulting.com.au/was-your-offset-account-flagged-in-the-asic-investigation/

๐Ÿ—ž๐Ÿ“ฐ ๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐—ฎ๐˜ƒ๐—ผ๐—ถ๐—ฑ ๐˜๐—ต๐—ถ๐˜€ ๐—ฐ๐—ผ๐—บ๐—บ๐—ผ๐—ป ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ ๐˜๐—ฟ๐—ฎ๐—ฝ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃWaiting for home prices to โ€˜bottom outโ€™ before buying may seem lik...
30/07/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐—ฎ๐˜ƒ๐—ผ๐—ถ๐—ฑ ๐˜๐—ต๐—ถ๐˜€ ๐—ฐ๐—ผ๐—บ๐—บ๐—ผ๐—ป ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ ๐˜๐—ฟ๐—ฎ๐—ฝ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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Waiting for home prices to โ€˜bottom outโ€™ before buying may seem like a smart strategy but it could work against you. Here are the risks of holding out and hoping for lower prices. โš–๏ธโฃ
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https://pillarstoneconsulting.com.au/how-to-avoid-this-common-home-buyer-trap/

๐Ÿ—ž๐Ÿ“ฐ ๐—š๐—ฟ๐—ฒ๐—ฎ๐˜ ๐—ป๐—ฒ๐˜„๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€: ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—น๐—ถ๐˜€๐˜๐—ถ๐—ป๐—ด๐˜€ ๐˜€๐—ฝ๐—ถ๐—ธ๐—ฒ, ๐—™๐—ข๐— ๐—ข ๐—ฑ๐—ถ๐—ฎ๐—น๐˜€ ๐—ฑ๐—ผ๐˜„๐—ป ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃThings are looking up for homebuyers. New l...
23/07/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—š๐—ฟ๐—ฒ๐—ฎ๐˜ ๐—ป๐—ฒ๐˜„๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€: ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—น๐—ถ๐˜€๐˜๐—ถ๐—ป๐—ด๐˜€ ๐˜€๐—ฝ๐—ถ๐—ธ๐—ฒ, ๐—™๐—ข๐— ๐—ข ๐—ฑ๐—ถ๐—ฎ๐—น๐˜€ ๐—ฑ๐—ผ๐˜„๐—ป ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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Things are looking up for homebuyers. New listings are on the rise, and that can mean more choice and less FOMO pressure for buyers. Hereโ€™s how the shift in todayโ€™s market could benefit your homebuying plans. ๐Ÿกโฃ
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https://pillarstoneconsulting.com.au/great-news-for-buyers-property-listings-spike-fomo-dials-down/

๐Ÿ—ž๐Ÿ“ฐ ๐—Ÿ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€ ๐—ฐ๐˜‚๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฎ๐˜€ ๐—ฐ๐—ผ๐—บ๐—ฝ๐—ฒ๐˜๐—ถ๐˜๐—ถ๐—ผ๐—ป ๐—ต๐—ฒ๐—ฎ๐˜๐˜€ ๐˜‚๐—ฝ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃThe RBA may have kept rates on hold in June, but a growing number...
16/07/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—Ÿ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€ ๐—ฐ๐˜‚๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฎ๐˜€ ๐—ฐ๐—ผ๐—บ๐—ฝ๐—ฒ๐˜๐—ถ๐˜๐—ถ๐—ผ๐—ป ๐—ต๐—ฒ๐—ฎ๐˜๐˜€ ๐˜‚๐—ฝ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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The RBA may have kept rates on hold in June, but a growing number of lenders have cut their home loan interest rates. This could be your sign to review your current loan. ๐Ÿกโฃ
โฃ
https://pillarstoneconsulting.com.au/lenders-cut-rates-as-competition-heats-up/

๐Ÿ—ž๐Ÿ“ฐ ๐—•๐—ฎ๐—ป๐—ธ ๐—ผ๐—ณ ๐— ๐˜‚๐—บ ๐—ฎ๐—ป๐—ฑ ๐——๐—ฎ๐—ฑ: ๐˜„๐—ต๐˜† ๐—ฎ ๐˜„๐—ฟ๐—ถ๐˜๐˜๐—ฒ๐—ป ๐—ฎ๐—ด๐—ฟ๐—ฒ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ฐ๐—ฎ๐—ป ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜€๐—ฒ๐—ป๐˜€๐—ฒ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃWith more first home buyers relying on family s...
09/07/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—•๐—ฎ๐—ป๐—ธ ๐—ผ๐—ณ ๐— ๐˜‚๐—บ ๐—ฎ๐—ป๐—ฑ ๐——๐—ฎ๐—ฑ: ๐˜„๐—ต๐˜† ๐—ฎ ๐˜„๐—ฟ๐—ถ๐˜๐˜๐—ฒ๐—ป ๐—ฎ๐—ด๐—ฟ๐—ฒ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ฐ๐—ฎ๐—ป ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜€๐—ฒ๐—ป๐˜€๐—ฒ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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With more first home buyers relying on family support to get into the market, we explain why it may be beneficial to put the details in writing if Mum and Dad offer a financial helping hand. ๐Ÿคโฃ
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https://pillarstoneconsulting.com.au/bank-of-mum-and-dad-why-a-written-agreement-can-make-sense/

๐Ÿ—ž๐Ÿ“ฐ ๐—ก๐—ฒ๐˜„ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜†๐—ฒ๐—ฎ๐—ฟ, ๐—ป๐—ฒ๐˜„ ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป๐˜€ ๐˜๐—ผ ๐—ฟ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—น๐—ผ๐—ฎ๐—ป๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃAs the calendar flips over to July, nowโ€™s a good ti...
02/07/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—ก๐—ฒ๐˜„ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜†๐—ฒ๐—ฎ๐—ฟ, ๐—ป๐—ฒ๐˜„ ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป๐˜€ ๐˜๐—ผ ๐—ฟ๐—ฒ๐˜ƒ๐—ถ๐—ฒ๐˜„ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—น๐—ผ๐—ฎ๐—ป๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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As the calendar flips over to July, nowโ€™s a good time to give your home loan a once-over. We look at five strategies that could help you save on interest and pay off your mortgage sooner. ๐Ÿกโฃ
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https://pillarstoneconsulting.com.au/new-financial-year-new-reasons-to-review-your-home-loan/

๐Ÿ—ž๐Ÿ“ฐ ๐—›๐—ผ๐˜„ ๐˜๐—ต๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ถ๐˜€ ๐˜€๐—ต๐—ฎ๐—ฝ๐—ถ๐—ป๐—ด ๐˜‚๐—ฝ ๐—ถ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฎ๐—ฟ๐—ฒ๐—ฎ ๐—ฝ๐—ผ๐˜€๐˜ ๐—ฏ๐˜‚๐—ฑ๐—ด๐—ฒ๐˜ ๐—ป๐—ถ๐—ด๐—ต๐˜ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃItโ€™s just over a month since the Feder...
25/06/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—›๐—ผ๐˜„ ๐˜๐—ต๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ถ๐˜€ ๐˜€๐—ต๐—ฎ๐—ฝ๐—ถ๐—ป๐—ด ๐˜‚๐—ฝ ๐—ถ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฎ๐—ฟ๐—ฒ๐—ฎ ๐—ฝ๐—ผ๐˜€๐˜ ๐—ฏ๐˜‚๐—ฑ๐—ด๐—ฒ๐˜ ๐—ป๐—ถ๐—ด๐—ต๐˜ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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Itโ€™s just over a month since the Federal Government unveiled its tax reforms on budget night. Hereโ€™s how property values are responding across the major cities. ๐Ÿ™๏ธโฃ
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https://pillarstoneconsulting.com.au/how-the-property-market-is-shaping-up-in-your-area-post-budget-night/

๐Ÿ—ž๐Ÿ“ฐ ๐—ฅ๐—ฒ๐—ฐ๐—ผ๐—ฟ๐—ฑ ๐˜€๐—บ๐—ฎ๐˜€๐—ต๐—ฒ๐—ฑ: ๐—ผ๐˜ƒ๐—ฒ๐—ฟ ๐Ÿด๐Ÿฌ% ๐—ผ๐—ณ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€ ๐˜๐˜‚๐—ฟ๐—ป ๐˜๐—ผ ๐—ฎ ๐—ฏ๐—ฟ๐—ผ๐—ธ๐—ฒ๐—ฟ ๐—ณ๐—ผ๐—ฟ ๐—ต๐—ฒ๐—น๐—ฝ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃThe mortgage broking industry has notched up a...
17/06/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—ฅ๐—ฒ๐—ฐ๐—ผ๐—ฟ๐—ฑ ๐˜€๐—บ๐—ฎ๐˜€๐—ต๐—ฒ๐—ฑ: ๐—ผ๐˜ƒ๐—ฒ๐—ฟ ๐Ÿด๐Ÿฌ% ๐—ผ๐—ณ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€ ๐˜๐˜‚๐—ฟ๐—ป ๐˜๐—ผ ๐—ฎ ๐—ฏ๐—ฟ๐—ผ๐—ธ๐—ฒ๐—ฟ ๐—ณ๐—ผ๐—ฟ ๐—ต๐—ฒ๐—น๐—ฝ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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The mortgage broking industry has notched up an exciting record with the news that brokers now account for 81% of Australiaโ€™s residential lending market. Hereโ€™s why. ๐Ÿ™Œโฃ
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https://pillarstoneconsulting.com.au/record-smashed-over-80-of-buyers-turn-to-a-broker-for-help/

๐Ÿ—ž๐Ÿ“ฐ ๐Ÿฑ ๐˜๐—ถ๐—ฝ๐˜€ ๐˜๐—ผ ๐—ต๐—ฒ๐—น๐—ฝ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—น๐—ฒ๐—ฎ๐—ฟ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฏ๐˜† ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃWorried youโ€™ll still be paying off your mortgage in re...
11/06/2026

๐Ÿ—ž๐Ÿ“ฐ ๐Ÿฑ ๐˜๐—ถ๐—ฝ๐˜€ ๐˜๐—ผ ๐—ต๐—ฒ๐—น๐—ฝ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—น๐—ฒ๐—ฎ๐—ฟ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฏ๐˜† ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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Worried youโ€™ll still be paying off your mortgage in retirement? New research shows youโ€™re not alone. Here are five tips to help clear the slate before you hang up your work boots. ๐Ÿฅพโฃ
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https://pillarstoneconsulting.com.au/5-tips-to-help-you-clear-your-mortgage-by-retirement/

๐Ÿ—ž๐Ÿ“ฐ ๐—ก๐—ผ๐˜ ๐—ฎ ๐—ต๐—ผ๐˜‚๐˜€๐—ถ๐—ป๐—ด โ€œ๐—ฐ๐—ฟ๐—ฎ๐˜€๐—ตโ€ โ€“ ๐—ฒ๐—ฎ๐˜€๐—ถ๐—ป๐—ด ๐—ด๐—ฟ๐—ผ๐˜„๐˜๐—ต ๐—ฎ๐—ป๐—ฑ ๐—ฝ๐—น๐—ฒ๐—ป๐˜๐˜† ๐—ผ๐—ณ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ผ๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜๐˜‚๐—ป๐—ถ๐˜๐—ถ๐—ฒ๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃHouse price growth is slowing but ...
04/06/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—ก๐—ผ๐˜ ๐—ฎ ๐—ต๐—ผ๐˜‚๐˜€๐—ถ๐—ป๐—ด โ€œ๐—ฐ๐—ฟ๐—ฎ๐˜€๐—ตโ€ โ€“ ๐—ฒ๐—ฎ๐˜€๐—ถ๐—ป๐—ด ๐—ด๐—ฟ๐—ผ๐˜„๐˜๐—ต ๐—ฎ๐—ป๐—ฑ ๐—ฝ๐—น๐—ฒ๐—ป๐˜๐˜† ๐—ผ๐—ณ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ผ๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜๐˜‚๐—ป๐—ถ๐˜๐—ถ๐—ฒ๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
โฃโฃโฃ
House price growth is slowing but experts say not to expect a crash. We look at whatโ€™s changed, and why todayโ€™s market may offer good opportunities for homebuyers. ๐Ÿกโฃ
โฃ
https://pillarstoneconsulting.com.au/not-a-housing-crash-easing-growth-and-plenty-of-buying-opportunities/

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