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simon.mortgagebroker

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

12/10/2026

Stoked to have recently helped a client secure finance to acquire an emergency training business in North Queensland, expanding his existing offering and putting his skills and experience to work on a larger scale.

We secured funding for 100% of the purchase price through a major bank, helping him take that next step in his business journey with minimal capital outlay which has been saved for operating and improvements.

He’s already making moves and exploring further opportunities to expand, which we love to see!

If buying a business or expanding your current one is on your radar, let’s chat about what could be possible.

07/10/2026

I’ve spent the past month away from work as we welcomed our newest family member and settled into life as a family of four.

I didn’t take any time off when our firstborn arrived, and I promised myself I’d do it differently the second time around. It’s been such a special time with the family, and I’m grateful I could be there for it.

Life changes quickly, and understanding what those changes mean for people is one of the parts of my work I enjoy most. Whether it’s a growing family or a new direction, I love helping people work out how their next property decision fits into the bigger picture.

I’m now getting back into the swing of things, so if your own plans have changed lately and you’re wondering what’s possible, feel free to send me a message.

For now, here are a few moments from September and October: family time, newborn life and a little of everything in between.

13/08/2026

A pretty exciting upgrade for these clients 🏡

They’ve just settled on their new home in one of Brisbane’s most sought after pockets, with a tight finance and settlement timeframe to work with.

We love getting to play a part in big moves like this. Congrats to our clients on the new place!

10/08/2026

Commercial property doesn’t get hit by the negative gearing changes the way residential does, which is why I’ve had so many commercial enquiries lately.

So I thought I’d run you through a real scenario. It’s an industrial unit in Southport that already has a two year lease on it and is positive cash flow from the first month whether you are paying interest only or paying it down.

The deposit is the catch, it’s higher than residential property. But a lot of my clients are quietly sitting on the equity needed to make a purchase like this without even knowing.

If commercials something you’re curious about but haven’t really dug into, now’s definitely the time to look at it. Flick me a message and we can go through it together.

04/08/2026

Every property market has its own story. Population movement is just one of the indicators we watch to better understand where demand is building and what that could mean for buyers, investors and homeowners across Australia.

The right property decision isn’t just about the loan. It’s about understanding the market you’re buying into too. If you’re weighing up your next move, happy to chat further!

03/08/2026

The best part of the job are definitely these texts 🙏🏼🙏🏼

31/07/2026

These clients had only been trading for three months when the property they were leasing unexpectedly came up for sale. It wasn’t something they were planning for, but it was an opportunity they didn’t want to miss.

Three months in business would stop a lot of deals before they even start. Thankfully, this wasn’t one of them.

With the right lender and a strong case, they were able to buy the property instead of continuing to rent it.

Now, every repayment is going towards something they own.

If you’ve ever wondered whether owning your business premises could be an option, feel free to reach out.

29/07/2026

Still shaking my head at this one…

Bank wouldn’t release his equity because buying into the business would make him self employed… but he literally couldn’t buy in without the bank giving him his equity. So they’re asking for two years of self employed history for something their own no was stopping him from doing. Chicken, meet egg 🥚

It was for a 1% share by the way… 1%.

That’s not a rule, that’s just how his existing bank read it. Another lender looked at the exact same thing and saw he was remaining an employee at this business, on good income and with plenty of equity and sorted it.

So if your situation is anything other than a clean payslip and you’ve been told it’s worth remembering that it’s not the final word. Flick me a message if you’re stuck and I’d be happy to tell you where it’d actually fit.

28/07/2026

A lot of investors assume residential is the obvious next step.

Sometimes the numbers tell a different story.

In this example:

🏠 $1.5M Residential Investment
• Deposit: $376,000
• Net annual cash flow: -$27,000

🏢 $1.5M Commercial Investment
• Deposit: $530,000
• Net annual cash flow: +$18,000

It’s true that the commercial purchase requires a larger upfront contribution but it also generates a very different cash flow outcome.

With the current conversation around changes to negative gearing for newly purchased residential investment properties, it’s a good reminder that residential isn’t the only way to build wealth through property.

Many people who have owned property for years have built enough equity to consider commercial lending, but never explore it because they assume it’s out of reach.

Commercial isn’t right for everyone. It comes with different risks, different lending policies and different opportunities.

The key is understanding all of your options before deciding what’s right for your strategy.

If you’ve only ever looked at residential, it might be time to have a conversation about commercial property.

16/07/2026

5 things I think are really worth the money 💰💰

Address

109 Ashgrove Avenue
Brisbane, QLD
4060

Website

http://www.emergefinance.com.au/

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