LBK Lending

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Negative equity means your home is worth less than what you still owe on it. On its own, that doesn't cost you anything....
01/09/2026

Negative equity means your home is worth less than what you still owe on it. On its own, that doesn't cost you anything.

It only becomes a real loss on the day you're forced to sell while you're in that position, and for most owner-occupiers that day doesn't come.

Prices might dip for a few months. Headlines might call it a crash. Neither of those turns negative equity into an actual loss.

When you're buying a home to live in rather than flip it in six months, negative equity matters a lot less than the headlines make it sound.

Save this for the next time a scary property headline makes you want to hit pause.

Another rent increase in your inbox.You cop it, because what else can you do? By the end of the year there's nothing wit...
30/08/2026

Another rent increase in your inbox.

You cop it, because what else can you do? By the end of the year there's nothing with your name on it.

A repayment usually runs higher than rent, and I won't pretend otherwise. The difference is that part of a repayment comes back to you as equity. Rent doesn't.

Fair enough if you're sick of those emails.

Save this for the day you want to know what you could actually borrow.

"I wish we'd seen you 6 to 12 months ago."I've lost count of how many times I've heard that.Someone sits on the fence fo...
26/08/2026

"I wish we'd seen you 6 to 12 months ago."

I've lost count of how many times I've heard that.

Someone sits on the fence for a year, convinced they're not ready. They've heard of guarantor loans and the First Home Guarantee, but nobody's ever sat down and explained either one properly.

Then we run the numbers, and it turns out a guarantor could've had them in a year earlier without a full deposit.

Waiting didn't make them any readier. They just spent a year not knowing what was possible.

You don't have to know all the options. Just come and ask before you write off another year.

DM me FIRST HOME and let's find out what's actually possible for you.

Huge congrats to Tye & Anastasia on purchasing their first home! From pre-approval to unconditional, was an absolute ple...
25/08/2026

Huge congrats to Tye & Anastasia on purchasing their first home!

From pre-approval to unconditional, was an absolute pleasure assisting them.

Watching first home buyers go from “I’m not ready” to “just looking”, to holding keys never gets old.

Thinking about taking the leap into your first home? Get in touch — let’s talk borrowing power, deposits, and getting you finance-ready.

24/08/2026

“Whenever I want to access my equity, I can just do it later”

Not necessarily.

If you’re looking to unlock equity for your next property, renovations or another opportunity, timing can matter.

A big part of your available equity is based on your property’s current valuation. With automated valuation systems, recent comparable sales can have a significant impact.

If sale prices in your area start coming down, those lower sales can potentially flow through to automated valuations too, reducing the amount of equity the bank may recognise.

That doesn’t mean you need to rush into anything, but if you already have a plan to use your equity, it’s worth having the conversation sooner rather than later.

Your equity is only useful if the bank recognises it.

What's the one property question you've never said out loud?The one that feels too simple to ask, or too big to bring up...
24/08/2026

What's the one property question you've never said out loud?

The one that feels too simple to ask, or too big to bring up.

Can I even afford this?

How does a guarantor actually work?

Am I mad to buy right now?

People don't know what they don't know.

Drop it in the comments, or send it through as a DM if you'd rather keep it quiet.

A guarantor loan doesn't mean your parents are giving you money.It's still your loan, and you pay back 100% of it.What a...
19/08/2026

A guarantor loan doesn't mean your parents are giving you money.

It's still your loan, and you pay back 100% of it.

What a guarantor does is let you use equity that's already sitting in your parents' home, which gets you in without a full 20% deposit.

No cash changes hands. They put up part of their home as security. It's a real commitment, and worth them getting their own advice on it.

I usually put it to the parents this way. Would you rather hand over $250,000 in cash, or use equity you've already got sitting there?

DM me GUARANTOR, and I'll run you through how the whole thing works.

17/08/2026

MISCONCEPTION MONDAYS EP 92: BRIDGING FINANCE

“Bridging finance is too risky.” It can sound scary, but it doesn’t have to be.

When structured properly and planned for upfront, bridging finance can be a really effective strategy for buying your next property before selling your current one.

The key is understanding the numbers, having a clear exit strategy and making sure the loan works for your situation.

It’s not for everyone, but when planned correctly, it can make the process a whole lot easier.

Don’t let the word “bridging” scare you off before understanding how it actually works.
 
Want to discuss further? Link in bio.

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Get these three things sorted before you set foot in an open home.Come and see me. Find out what you can actually borrow...
16/08/2026

Get these three things sorted before you set foot in an open home.

Come and see me. Find out what you can actually borrow. I don't charge you a fee for that chat.

Sort the structure. How you're getting to a deposit, whether a guarantor makes sense, and how the loan itself is set up.

Then go looking, with a number you can trust.

I should be the first call, before the agents and the open homes. Go the other way round, and the first thing an agent asks is whether you're pre-approved anyway.

Send it to whoever's about to start looking.

Big congratulations to Tom & Molly on securing their new property! 🏡 A huge milestone and an exciting next chapter for y...
13/08/2026

Big congratulations to Tom & Molly on securing their new property! 🏡

A huge milestone and an exciting next chapter for you both. It was a pleasure helping you through the process, and we’re stoked to see you get it across the line.

Congratulations guys, enjoy the new home! 🎉

Address

Level 10, 10 Market Street
Brisbane, QLD
4000

Telephone

+61401225713

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