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360 Mortgage Solutions

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Brisbane, QLD
360 Mortgage Solutions

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🏡 360 Mortgage Solutions helps first home buyers navigate the journey with confidence.

Being a boutique brokerage means we have the time to get to know you, your individual circumstances and learn what’s important to you. The relationships we build are important to us as it ensures you receive the best loan package aligned with your goals. We offer ongoing support, advice and up to date information so we can assist you not just now, but in the future as your plans and needs change. We can also recommend ways to set up all your banking, so you get the best added value available when you take out your loan. We look forward to getting to know more about you and tailoring a banking package to save you money, contact us today.

03/11/2026

Sometimes the biggest mistake we make with money is thinking we need to wait until everything is “perfect” before we ask for help. 🏡💛

You don’t need to have the perfect deposit, perfect income, perfect credit history or even know exactly what you want to do yet.

Sometimes the first step is simply understanding where you are now, what’s possible, and what you need to work towards.

And if the answer is “you’re not quite ready yet” — that’s okay too.
Because then we can help you build a plan to get there. 🙌

You don’t need to be ready to buy before you speak to a broker.
You just need to be ready to start the conversation.

02/11/2026

This is one of those things you REALLY don’t want to leave for the courts to decide. 😬

You might think, “I don’t have millions of dollars, so I don’t really need to worry about estate planning.”

But if you own a home, an investment property, have super, savings or other assets… you have an estate.

And if you don’t have a valid Will clearly setting out what you want to happen, things can become far more complicated for the people you leave behind.

In this episode of Dollars & Distractions, Elizabeth from Ardor Legal explains why having your wishes properly documented matters — regardless of how “wealthy” you think you are.

Because estate planning isn’t just for rich people. ❤️

🎧 Catch the full conversation on Dollars & Distractions.

General information only and not legal advice. Speak with a qualified legal professional about your circumstances.

01/11/2026

Not everyone is going to understand your journey, and that’s okay. ❤️

They won’t always see the sacrifices you’ve made, the challenges you’ve overcome, or the courage it’s taken to get to where you are today.

And the truth is, they don’t need to.

You’re not here to live a life that makes sense to everyone else. You’re here to build a life that makes YOU happy, proud and fulfilled.

So keep showing up. Keep chasing those goals. Keep doing the things that scare you a little.

You don’t need everyone’s approval to do something amazing. 💪✨

Your journey. Your goals. Your life.

And remember, the people who truly support you don’t need to understand every step to cheer you on. ❤️

YourJourney WomenInBusiness

30/10/2026

💰Genuine savings trips up a lot of first home buyers not because they don’t have money, but because they don’t realise how lenders look at it.

In simple terms, genuine savings is a lender’s way of checking whether you’ve shown an ability to save and hold funds consistently.

They’re often looking for evidence that the deposit isn’t just money that appeared last week.

How is it checked?
Usually by reviewing:
📄 the last 3 months of bank statements
📄 savings account history
📄 evidence of where funds came from
📄 in some cases, a rental ledger

Important nuance
Rent can count with some lenders, but not all.

Gifted funds may still be acceptable as part of your overall contribution, but they don’t always count as genuine savings.

The same goes for recent inheritances or lump sums — they may be usable funds, but not necessarily genuine savings.

So if you’re planning to buy in the next few months, this is something to sort out early, not the week before you apply.

30/10/2026

Ever wondered how you can earn MORE money… and somehow still feel broke? 🙃💸

It happens more often than you’d think.

Your income goes up…
So you upgrade the car.
The house gets bigger.
Holidays get nicer.
Eating out happens more often.
And suddenly your expenses have quietly grown right alongside your income. 😂

It’s called lifestyle creep — and it’s one of the reasons a high income doesn’t necessarily equal financial freedom.

There’s absolutely nothing wrong with enjoying the money you work hard for (we are BIG believers in actually living your life 🙋♀️), but earning more gives you an amazing opportunity to get ahead too.

The trick?

When your income increases, try not to let every dollar of that increase become a new expense.

Because it’s not always about how much you earn…

It’s about how much you actually get to KEEP. 💰

Anyone else guilty of giving themselves a little lifestyle upgrade every time they earn more? 😂👇

30/10/2026

Buying your first home isn’t something you should have to figure out from TikTok, Google and advice from your mate’s cousin who bought a house once 😂🏡

There’s SO much information out there — and unfortunately, not all of it applies to you.

Your deposit, income, debts, goals and circumstances are different from the next person’s.

That’s why the first step isn’t finding the perfect house.

It’s understanding YOUR numbers and YOUR options. 💛

Once you know where you stand, everything else becomes a whole lot clearer.

29/10/2026

Today is International Day of Care and Support.

A day to recognise the millions of people who provide care both professionally and unpaid to children, family members, older Australians and people who need additional support.

And from a mortgage perspective, there's something carers may not realise:

👉Not every lender treats carer-related income the same way.
Depending on the type of payment and the borrower's circumstances, some lenders may consider certain government carer payments as assessable income, while others may restrict or exclude them.

That's where lender policy really matters.

So if caring responsibilities form part of your household and you've assumed home ownership isn't an option because of how your income is structured, it maybe worth having the conversation rather than ruling yourself out🏡

We can look at the whole picture and see which lenders may suit your circumstances 💖

29/10/2026

One of the biggest misconceptions about getting a home loan? 🏡

That you need to have everything figured out before you speak to a mortgage broker.

You don’t.

You don’t need to know which lender you want, what loan product you need or understand all the finance jargon — that’s literally our job. 🙌

Come to us with your questions, your goals and even your “I have absolutely no idea where to start”.

We’ll help you work through the rest. 💛

28/10/2026

Could inflation actually be GOOD for your mortgage? 🤔

I know, sounds a bit ridiculous when everything from groceries to electricity is getting more expensive!

But hear me out…

When you take out a mortgage, you’re borrowing money in today’s dollars.

Fast forward 10 or 15 years, and while your loan balance may still be significant, the real value of that debt has reduced because of inflation.

And if your income has increased during that time, your mortgage repayments may represent a much smaller portion of your household income.

Essentially, you’re paying back yesterday’s debt with tomorrow’s dollars. 💰

Now, I’m definitely not saying inflation is all sunshine and rainbows. Higher interest rates and living costs can put real pressure on household budgets.

But sometimes we get so caught up in the negative headlines that we forget to look at the bigger picture.

Your mortgage is a long-term commitment, and understanding how inflation works over time can completely change the way you look at your debt.

Just a little food for thought next time you hear another scary inflation headline! 😉

Address

Brisbane, QLD

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 8pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm

Telephone

+61412862811

Website

http://www.360mortgagesolutions.com.au/

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