Thuy Hook I EZ Financing I Brisbane Mortgage Broker

Thuy Hook I EZ Financing I Brisbane Mortgage Broker Helping first home buyers, refinances and property investors since 2015, terrible speller, loyal friends.

Shop Digital Planner & Work Book: https://progresspaper.gumroad.com/
Buy paperpack: The Smart Money Planner https://www.amazon.com.au/dp/B0H9DCV8F4

24/08/2026

If you follow me, I can’t promise I’ll always tell you what you want to hear… 😂

But I will tell you what I think you need to know.

Sometimes that means:
Yep, you’re ready to buy.🏡

Sometimes it means:
Let’s wait.

And sometimes it means:
You can borrow that much… but should you?👀

My job isn’t to get you the biggest loan possible.

It’s to help you understand your options, the numbers and the risks so you can make a decision that actually works for your life.

No bank jargon.
No pressure.
No pretending every situation fits into the same box.

Just practical mortgage advice, a little real life… and probably too much coffee. ☕️😂

That’s what you’ll get around here.

🏡 Planning a renovation? Start with the numbers and not the Pinterest board.Before you start getting quotes, choosing ti...
17/08/2026

🏡 Planning a renovation? Start with the numbers and not the Pinterest board.

Before you start getting quotes, choosing tiles or planning your dream kitchen, you need to know:

How much can you actually afford to spend?

If you’re planning to borrow for your renovation, speak with your mortgage broker first.

We can help you understand your borrowing options, available equity, potential repayments and how much you may realistically have available for the project.

Then comes the important part…

Sticking to that budget. 😅

That’s exactly why I created this Home Renovation Planner.

It helps you plan and keep track of your:

✓ Renovation budget
✓ Room-by-room costs
✓ Quotes & trades
✓ Approvals
✓ Payments
✓ Materials & selections
✓ Changes and variations
✓ Project schedule
✓ Actual spending

Because renovation costs have a habit of growing when you’re not tracking them.

The planner even gives you a place to record where the renovation money is coming from including savings, loan/redraw and offset and your loan details and repayments.

Step 1: Talk to your mortgage broker and work out the finance.
Step 2: Set your renovation budget.
Step 3: Use the planner to help keep the project and your spending on track.

📘 Home Renovation Planner available now buy via the link : https://progressandpaperau.etsy.com

And if you need help working out your renovation finance, send me a DM.

17/08/2026

🏡 What is LVR?

If you’re buying a home, you’re going to hear this term a LOT.

LVR = Loan-to-Value Ratio.

Here’s a simple example:
🏠 Property value: $500,000
💰 Deposit: $100,000
🏦 Home loan: $400,000
📊 LVR: 80%

Your LVR can influence your loan options, pricing and whether Lenders Mortgage Insurance (LMI) may apply.
And an LVR above 80% doesn’t automatically mean you can’t buy.

Depending on your circumstances, lender policies and available government schemes, there may be options with a smaller deposit.

Don’t let mortgage jargon make buying a home feel complicated.
That’s exactly why I’m here to make it simple. 😊

Follow for more easy-to-understand home loan tips.

16/08/2026

🏡 What is LMI?

LMI stands for Lenders Mortgage Insurance and despite the name, it protects the lender, not the borrower.

It can apply when you’re borrowing a higher percentage of the property’s value, commonly above 80% LVR.

For example:
🏠 Property: $500,000
💰 Deposit: $50,000
🏦 Loan: $450,000
📊 LVR: 90%

Depending on the lender and your circumstances, LMI may apply.
But here’s the important part:

LMI isn’t automatically a bad thing.
For some buyers, paying LMI may allow them to purchase sooner instead of waiting until they’ve saved a 20% deposit.

And depending on your eligibility, there may also be government schemes or lender-specific LMI waivers available.
It’s all about understanding the numbers and choosing what’s appropriate for your situation.

Follow for simple, easy-to-understand mortgage tips. 🏡




I make mortgages simple and share practical home loan tips every week.

13/08/2026

🏡 MYTH: You need perfect credit to get a home loan.
Not necessarily.
Your credit history is important, but having a few bumps along the way doesn't automatically mean you can't buy a home.
Maybe you've:
💳 Missed a payment in the past
📄 Had a default
📉 Got a lower credit score than you'd like
💰 Had some financial difficulties previously
Different lenders have different credit policies, and they may consider things like what happened, when it happened, whether it's been resolved, and what your financial position looks like today.
That's why I don't recommend applying to multiple lenders just to see who says yes.
A better first step is to understand your credit position and explore your options before submitting applications.
And if you're not ready today? That's okay.
Sometimes we simply need to put a plan in place and work towards getting you into a stronger position.
👉 Don't assume a less-than-perfect credit history means home ownership is off the table.
Find out where you actually stand first.
Have a credit question you're too embarrassed to ask? Send me a message — chances are I've heard it before. 😊

12/08/2026

🏡 MYTH: Renting is wasting money.

I hear this all the time:
Why rent when you could be paying your own mortgage?

But buying a home before you’re financially ready isn’t necessarily a better decision.

Sometimes renting gives you the time and flexibility to:
💰 Build your deposit
💳 Reduce existing debt
📈 Improve your financial position
🏡 Work out where you actually want to live
📝 Prepare properly for home ownership

The important question isn’t just : Am I renting?

It’s What am I doing while I’m renting?

If you’re saving, preparing and working towards your goal, renting can simply be one stage of your home-buying journey.

Don’t feel pressured to buy because everyone around you is buying.

Work out your numbers. Make a plan. Buy when it’s right for you. ❤️

If you’re renting now and wondering how far away you are from buying, send me a message. We can have a chat and work out where you stand.

11/08/2026

Before you worry, if you’ve been working with me for a while, you KNOW I’m organised. 😉

This is just me jumping on a trending Reel to get my content in front of more future first-home buyers.

Because I’m not just here to do mortgages. I’m here to make sure you find me when you’re ready to buy. 👀

I’m not your typical mortgage broker.😉

11/08/2026

🏡 I want to buy my first home... where do I start?
My advice?
Don't start with the property.
Start with your numbers.
Before you seriously start house hunting, understand your savings, income, expenses, existing debts and what you can comfortably afford.
Then have a conversation with a mortgage broker.
You don't have to be ready to buy tomorrow. In fact, speaking to someone 3, 6 or even 12 months before you plan to buy can give you time to prepare.
We can look at where you are today, your potential borrowing position, deposit requirements, possible government support and what you may need to work on.
Then you can start house hunting with a plan instead of guessing. 🏡
💬 Thinking about buying your first home? Send me a message even if you're only at the "thinking about it" stage.

11/08/2026

🏡 Can Mum & Dad help you buy your first home?

Yes - and handing you a deposit isn’t the only option.

Depending on your circumstances, parents may be able to help through:

💰 A cash gift towards your deposit or buying costs
🏠 A family guarantee using equity in their property
🤝 Lending you money

But these options can be treated differently by lenders, so it’s important to understand the implications before moving money around or making commitments.

And you may not need parental help at all eligible first home buyers may have access to government schemes that can reduce the deposit required.

Every situation is different.
👉 Speak to your mortgage broker first so you can understand your options and find the right strategy for your circumstances.

10/08/2026

I LOVE plants. 🌱 I LOVE growing my own vegetables. 🥬 But apparently… I’m better at buying plants than keeping them alive. 😂

Every time I go to Bunnings, I convince myself, “THIS time I’m going to have the vegetable garden of my dreams.” 💸

And yet… somehow, my plants keep meeting their fate.

I’ve spent so much money trying to make my little veggie garden happen, so PLEASE, plant people… I need your help!

What am I doing wrong? What vegetables are actually easy to grow? And what are your BEST tips for keeping them alive?

Help a girl out before I make another Bunnings trip. 😂🪴

Address

Brisbane, QLD

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 5pm

Telephone

+61449150117

Website

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