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—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
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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/

๐Ÿ—ž๐Ÿ“ฐ ๐—š๐—ฒ๐—ป ๐—ญ ๐—ฟ๐—ฎ๐—ฐ๐—ฒ๐˜€ ๐—ถ๐—ป๐˜๐—ผ ๐˜๐—ต๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃA few tweaks to a popular first home buyer scheme has driven a โ€œsu...
28/05/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—š๐—ฒ๐—ป ๐—ญ ๐—ฟ๐—ฎ๐—ฐ๐—ฒ๐˜€ ๐—ถ๐—ป๐˜๐—ผ ๐˜๐—ต๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃ
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A few tweaks to a popular first home buyer scheme has driven a โ€œsurgeโ€ in Gen Zs buying their first home. And itโ€™s not the only upside giving first home buyers a boost now. ๐Ÿš€โฃโฃโฃ
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https://pillarstoneconsulting.com.au/gen-z-races-into-the-property-market/

๐Ÿ—ž๐Ÿ“ฐ ๐—›๐—ผ๐—บ๐—ฒ ๐—น๐—ผ๐—ฎ๐—ป ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ฟ๐—ถ๐˜€๐—ถ๐—ป๐—ด? ๐—ง๐—ต๐—ฒ๐—ฟ๐—ฒ ๐—บ๐—ฎ๐˜† ๐—ฏ๐—ฒ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—ผ๐—ฝ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃReforms to negative gearing and capital gains ta...
21/05/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—›๐—ผ๐—บ๐—ฒ ๐—น๐—ผ๐—ฎ๐—ป ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ฟ๐—ถ๐˜€๐—ถ๐—ป๐—ด? ๐—ง๐—ต๐—ฒ๐—ฟ๐—ฒ ๐—บ๐—ฎ๐˜† ๐—ฏ๐—ฒ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—ผ๐—ฝ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Hereโ€™s what they could mean for investors, first home buyers and home owners. ๐Ÿ˜๏ธโฃ
โฃ
https://pillarstoneconsulting.com.au/home-loan-interest-rate-rising-there-may-be-other-options/

๐Ÿ—ž๐Ÿ“ฐ ๐—™๐—ฒ๐—ฑ๐—ฒ๐—ฟ๐—ฎ๐—น ๐—•๐˜‚๐—ฑ๐—ด๐—ฒ๐˜ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ: ๐—ต๐—ผ๐˜„ ๐—ถ๐˜ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—ฝ๐—น๐—ฎ๐—ป๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃReforms to negative gearing and capital gains ...
14/05/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—™๐—ฒ๐—ฑ๐—ฒ๐—ฟ๐—ฎ๐—น ๐—•๐˜‚๐—ฑ๐—ด๐—ฒ๐˜ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ: ๐—ต๐—ผ๐˜„ ๐—ถ๐˜ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—ฝ๐—น๐—ฎ๐—ป๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
โฃโฃโฃ
Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Hereโ€™s what they could mean for investors, first home buyers and home owners. ๐Ÿ˜๏ธโฃ
โฃ
https://pillarstoneconsulting.com.au/federal-budget-2026-how-it-could-affect-your-property-plans/

๐Ÿ—ž๐Ÿ“ฐ ๐—–๐—ฎ๐˜€๐—ต ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ถ๐—ป๐—ฐ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ฒ๐˜€ ๐—ณ๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜๐—ต๐—ถ๐—ฟ๐—ฑ ๐˜๐—ถ๐—บ๐—ฒ ๐˜๐—ต๐—ถ๐˜€ ๐˜†๐—ฒ๐—ฎ๐—ฟ, ๐—ป๐—ผ๐˜„ ๐˜‚๐—ฝ ๐˜๐—ผ ๐Ÿฐ.๐Ÿฏ๐Ÿฑ% ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃThe hits just keep coming for mortgage ...
05/05/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—–๐—ฎ๐˜€๐—ต ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ถ๐—ป๐—ฐ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ฒ๐˜€ ๐—ณ๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜๐—ต๐—ถ๐—ฟ๐—ฑ ๐˜๐—ถ๐—บ๐—ฒ ๐˜๐—ต๐—ถ๐˜€ ๐˜†๐—ฒ๐—ฎ๐—ฟ, ๐—ป๐—ผ๐˜„ ๐˜‚๐—ฝ ๐˜๐—ผ ๐Ÿฐ.๐Ÿฏ๐Ÿฑ% ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃ
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The hits just keep coming for mortgage holders, with the RBA today raising the cash rate for a third time this year to 4.35%. If youโ€™re starting to struggle with your mortgage repayments, hereโ€™s how you can potentially take action. ๐Ÿค”โฃโฃ
โฃโฃ
https://pillarstoneconsulting.com.au/cash-rate-increases-for-the-third-time-this-year-now-up-to-4-35/

๐Ÿ—ž๐Ÿ“ฐ ๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐˜๐˜‚๐—ฟ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ป๐—ฒ๐˜„-๐—ฏ๐˜‚๐—ถ๐—น๐—ฑ ๐—ฑ๐—ฟ๐—ฒ๐—ฎ๐—บ๐˜€ ๐—ถ๐—ป๐˜๐—ผ ๐—ฟ๐—ฒ๐—ฎ๐—น๐—ถ๐˜๐˜† ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃThereโ€™s no better feeling than living in a brand new home โ€“ ...
30/04/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐˜๐˜‚๐—ฟ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ป๐—ฒ๐˜„-๐—ฏ๐˜‚๐—ถ๐—น๐—ฑ ๐—ฑ๐—ฟ๐—ฒ๐—ฎ๐—บ๐˜€ ๐—ถ๐—ป๐˜๐—ผ ๐—ฟ๐—ฒ๐—ฎ๐—น๐—ถ๐˜๐˜† ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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Thereโ€™s no better feeling than living in a brand new home โ€“ itโ€™s fresh, clean and itโ€™s all yours. But financing a new-build works very differently from buying an established home. Hereโ€™s what you need to know. ๐Ÿ› ๏ธ ๐Ÿกโฃ
โฃ
https://pillarstoneconsulting.com.au/how-to-turn-your-new-build-dreams-into-reality/

๐Ÿ—ž๐Ÿ“ฐ ๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—น๐—ผ๐—ฎ๐—ป ๐—ฝ๐—ฟ๐—ฒ-๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฎ๐—น ๐—ฏ๐—ฒ ๐—ผ๐˜‚๐˜ ๐—ผ๐—ณ ๐—ฑ๐—ฎ๐˜๐—ฒ? ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃHaving loan pre-approval can be a smart move for home buy...
23/04/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—น๐—ผ๐—ฎ๐—ป ๐—ฝ๐—ฟ๐—ฒ-๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฎ๐—น ๐—ฏ๐—ฒ ๐—ผ๐˜‚๐˜ ๐—ผ๐—ณ ๐—ฑ๐—ฎ๐˜๐—ฒ? ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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Having loan pre-approval can be a smart move for home buyers. But the recent Reserve Bank cash rate hikes could leave your pre-approval in need of an update. ๐Ÿค”โฃ
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https://pillarstoneconsulting.com.au/could-your-home-loan-pre-approval-be-out-of-date/

๐Ÿ—ž๐Ÿ“ฐ ๐—ช๐—ต๐˜† ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐—ฑ๐—ฒ๐—ณ๐˜†๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ต๐—ถ๐—ธ๐—ฒ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—ฟ๐—ถ๐˜€๐—ถ๐—ป๐—ด ๐—ณ๐˜‚๐—ฒ๐—น ๐—ฝ๐—ฟ๐—ถ๐—ฐ๐—ฒ๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃRate hikes and soaring fuel prices arenโ€™t dampenin...
16/04/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—ช๐—ต๐˜† ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐—ฑ๐—ฒ๐—ณ๐˜†๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ต๐—ถ๐—ธ๐—ฒ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—ฟ๐—ถ๐˜€๐—ถ๐—ป๐—ด ๐—ณ๐˜‚๐—ฒ๐—น ๐—ฝ๐—ฟ๐—ถ๐—ฐ๐—ฒ๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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Rate hikes and soaring fuel prices arenโ€™t dampening home buyer enthusiasm, with a strong majority of Aussies still believing the time to buy is now. We look at why home-buying sentiment remains so high. ๐Ÿกโฃ
โฃ
https://pillarstoneconsulting.com.au/why-buyers-are-defying-rate-hikes-and-rising-fuel-prices/

๐Ÿ—ž๐Ÿ“ฐ ๐—ข๐—ป๐—ฒ-๐—ถ๐—ป-๐—ณ๐—ถ๐˜ƒ๐—ฒ ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ผ๐—ฟ๐˜€ ๐˜€๐—ป๐—ฎ๐˜๐—ฐ๐—ต ๐˜‚๐—ฝ ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐—ถ๐—ฒ๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃIs the grass really greener on the other side? Maybe....
08/04/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—ข๐—ป๐—ฒ-๐—ถ๐—ป-๐—ณ๐—ถ๐˜ƒ๐—ฒ ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ผ๐—ฟ๐˜€ ๐˜€๐—ป๐—ฎ๐˜๐—ฐ๐—ต ๐˜‚๐—ฝ ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐—ถ๐—ฒ๐˜€ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
โฃโฃโฃ
Is the grass really greener on the other side? Maybe. Australia has seen a surge of investor activity in recent years, with investment loans reaching record highs. But as home prices rise, plenty of investors are looking beyond their own backyard and making interstate purchases. ๐Ÿ˜๏ธโฃ
โฃ
https://pillarstoneconsulting.com.au/one-in-five-investors-snatch-up-interstate-properties/

๐Ÿ—ž๐Ÿ“ฐ ๐—š๐—ผ๐—ผ๐—ฑ ๐—ป๐—ฒ๐˜„๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€ โ€“ ๐˜€๐˜‚๐—ฟ๐—ด๐—ฒ ๐—ถ๐—ป ๐—ต๐—ผ๐—บ๐—ฒ๐˜€ ๐—ต๐—ถ๐˜๐˜๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃโฃโฃโฃIf youโ€™re in the market for a home, you may have n...
25/03/2026

๐Ÿ—ž๐Ÿ“ฐ ๐—š๐—ผ๐—ผ๐—ฑ ๐—ป๐—ฒ๐˜„๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€ โ€“ ๐˜€๐˜‚๐—ฟ๐—ด๐—ฒ ๐—ถ๐—ป ๐—ต๐—ผ๐—บ๐—ฒ๐˜€ ๐—ต๐—ถ๐˜๐˜๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐Ÿ“ฐ๐Ÿ—žโฃโฃโฃโฃโฃ
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If youโ€™re in the market for a home, you may have noticed there hasnโ€™t always been a whole lot of choice in recent months. Fortunately, it looks like property listings are really starting to pick back up. Hereโ€™s how to make the most of the increase in choice. ๐Ÿ™Œโฃ
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https://pillarstoneconsulting.com.au/good-news-for-buyers-surge-in-homes-hitting-the-market/

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