simon.mortgagebroker

simon.mortgagebroker 🏠 Property Passionate | Mortgage Broker 🏠
Unlocking a better future for you in residential property

01/05/2026

My top 5 horror movies đź‘»

29/04/2026

Cross securing sounds harmless. It’s not.

It ties multiple properties to one loan, which means the bank controls them as a package.

Selling one? Refinancing? Releasing equity? You need their approval on everything.

That’s where people lose money. Less flexibility, weaker negotiating power, and fewer options when rates change.

We structure loans to avoid this where possible.

If you’re not sure how yours is set up, I’ll take a look.

There’s always more than one “good” option.Upgrade the home. Split the difference. Or play it differently.None of them a...
28/04/2026

There’s always more than one “good” option.

Upgrade the home. Split the difference. Or play it differently.

None of them are wrong. They just do different things for you.

We got clear on what we wanted this move to achieve… then chose the property second.

That’s the part most people skip.

Whether it’s your dream home or building your position, it should be a decision, not a default.

That’s what I help people get clear on every day.

27/04/2026

Would I or wouldn’t I? This is what I’d do if it were my money.

24/04/2026

Heavy on the last point

I asked what income you’d need to buy this property on my stories anddd the responses were pretty split.Swipe through fo...
23/04/2026

I asked what income you’d need to buy this property on my stories anddd the responses were pretty split.

Swipe through for the actual numbers when purchasing a $1.2m home and how it changes depending on your setup.

22/04/2026

Self employed doesn’t automatically mean lower borrowing power.

We regularly see business owners with strong net profit numbers outperform salaried borrowers on the same income.

Same income on paper doesn’t always mean same borrowing power.

This client could’ve waited.Saved a bigger deposit, tried to get a sharper rate upfront, ticked every box before buying…...
21/04/2026

This client could’ve waited.

Saved a bigger deposit, tried to get a sharper rate upfront, ticked every box before buying… but while you’re doing that, the market’s still moving.

So we got them in when it made sense, knowing the rate wasn’t going to be their end position, just the starting point.

From there, we stayed on it. As their position improved, we reviewed it and pushed it, and within 6 months we were able to move them onto a much better rate.

Saved them over $5k a year.

The gain they made by getting in earlier far outweighed what they paid in the short term.

That’s the part most people miss. You don’t need the perfect setup to buy. You need a plan for what happens after.

20/04/2026

Quick fire responses for a lot of common questions my clients ask when it comes to sole trader / business owner loans! Theres a few repeat offenders but in all honestly, a lot of the major lenders do have strong policies for business owners, it just needs to make sense for your situation 👊🏼

We renovated our home knowing exactly what we were trading off. More lifestyle, less financial upside and we were comple...
17/04/2026

We renovated our home knowing exactly what we were trading off. More lifestyle, less financial upside and we were completely fine with that, because we made that decision intentionally.

That’s the part I think most business owners miss when it comes to lending.

You’re used to making calculated decisions in your business every day. What to invest in, what to cut, where to take on risk.

When it comes to your home loan, a lot of that control disappears without you realising. Especially if you’re self-employed.

Your income isn’t just “your income” to a bank. It’s interpreted. Adjusted. Sometimes reduced.

Which means:
– your borrowing power can change
– your options can shrink or expand
– and the “best” lender on paper might not actually be the best for you

In a market like this, where everyone’s focused on reducing costs, those differences matter more than ever. Sometimes (a lot of the time) the biggest saving isn’t just the rate it’s how your entire situation is structured.

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109 Ashgrove Avenue
Brisbane, QLD
4060

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