Thomas Mortgage Brokers

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New Farm, QLD
Thomas Mortgage Brokers

Mortgage Brokers specialising in Home Loans and Business Loans. Home Loans should fit the client not the bank.

“Finding the correct loan that fits the clients everyday needs”

A lot of home loan owners, change their style to fit the bank. Thomas Mortgage Brokers have over 10+ years in Home and Commercial Lending experiences. We can find the correct fit for your banking requirements

“Do not fit your loan to a bank, let TMB find the correct fit for you”.

03/09/2026

Make your savings work harder.

If you have savings sitting in the bank, an offset account could help those same dollars reduce the interest you pay on your home loan- while keeping your money accessible.

Here’s how it works:

An offset account is a transaction account linked to your home loan. The balance in your offset is deducted from your loan balance when your lender calculates interest.

For example:

Home loan: $500,000
Money in offset: $30,000
Interest calculated on: $470,000

That means you’re not paying interest on that $30,000 for as long as it stays in your offset.

Over time, consistently keeping money in your offset can reduce the interest you pay and help you pay off your home loan sooner.

The catch? Not every home loan offers an offset account and the features, fees and benefits can vary between lenders. That’s why it’s something we consider when comparing loans, rather than looking at the interest rate alone.

Already have an offset? Make sure you’re making the most of it. Don’t have one? It might be worth seeing whether your home loan could be working harder for you.

31/08/2026

Being self-employed doesn’t automatically make getting a home loan more difficult - but it can mean your income needs to be looked at a little differently. Different lenders have different policies around self-employed income, the documents they’ll accept and how they’ll assess your overall position.

That’s where knowing which lender may suit your circumstances can make a real difference. Self-employed lending is an area Eric specialises in, and one we’ll be talking about a lot more here.

If you’re self-employed and thinking about buying, investing or refinancing, you don’t need to know whether you’re “ready” before getting in touch.

Sometimes the best place to start is simply understanding your options.

Save this for later, or send it to a business owner who might find it useful.

General information only. Lending criteria, terms and conditions apply.

24/08/2026

We love hearing from our clients. ★★★★★

“Eric was very patient in helping us understand the process of buying a house. He was able to provide professional advice which certainly helped us buy our first house in a tough market.He is very open, honest and easy to work with.”- Amelia

It was such a pleasure helping you into your first home, Amelia! Moments like this are exactly why we do what we do.

20/08/2026

We’re a month into FY2027 — and for a lot of business owners, equipment upgrades are still sitting on the to-do list.

The thing is, you don’t have to drain your cash reserves to get there.

Through TMB Financial Solutions we can help businesses finance:
Tools and machinery
Commercial vehicles and trailers
Technology and office fit-outs
Medical and dental equipment
Hospitality and kitchen equipment

Why finance instead of buying outright?

✔ Keep your working capital intact
✔ Get the equipment now — pay as it earns for you
✔ Flexible terms structured around your cash flow
✔ Potential tax benefits (chat to your accountant)

If it’s on your list for August — now’s the time to start the conversation.

DM us or head to tmbfs.com.au

Tax deductibility depends on your individual circumstances — always consult your accountant.

13/08/2026

Fixed or variable — it’s one of the first questions we get asked, and honestly, there’s no universal right answer.

Here’s a quick breakdown:

FIXED RATE
✔ Your rate and repayments don’t change
✔ Great for budgeting and certainty
✔ Protection if rates rise
✗ If rates drop, you won’t benefit
✗ Break costs can apply if you exit early
✗ Less flexibility (offset accounts often not available)

VARIABLE RATE
✔ Rate can move down (and up) with the market
✔ More flexibility — redraw, offset, extra repayments
✔ No break costs
✗ Less certainty month to month

💡 And then there’s a split loan: part fixed/part variable which some clients love for the best of both worlds.

The right choice depends entirely on your situation, your goals, and how you like to manage your money.

28/07/2026

Refinancing. You’ve heard the word — but what does it actually mean?

Put simply: refinancing is when you switch your existing home loan to a new one — either with your current lender or a different one.

Why would you do it?
• To get a lower interest rate
• To access your home’s equity
• To consolidate debt
• To change loan features (like adding an offset account)
• Or simply because your circumstances have changed

So when should you consider it?
• If it’s been 2+ years since you last reviewed your loan
• If your current rate sits in the high 6’s or 7’s or higher
• If your bank hasn’t proactively reached out to offer you a better deal

Here’s the thing- lenders often reserve their best rates for new customers. Existing customers can get left behind.

A broker can check this for you — at no cost.

DM us or book a Home Loan Health Check via the link in our bio.

14/07/2026

REAL LIFE SCENARIO #1 — What does buying with a 20% deposit actually look like? We get asked this a lot, so we’re breaking it down.

Property purchase price: $750,000
Deposit (20%): $150,000
Loan amount: $600,000
LMI: $0 (no LMI required with 20% deposit)

Something we see often — people put so much into saving their deposit (and rightly so — it’s a huge achievement) that the additional costs at settlement can catch them off guard. So let’s talk about those too.

Estimated additional costs at settlement:
Stamp duty (QLD, approx.): $23,000
Conveyancing & other costs: $3,000
Total cash needed: approximately $176,000

The loan:
Indicative rate: 6.14% p.a.
Term: 30 years
Estimated monthly repayment (P&I): $3,651

A 20% deposit means you avoid Lenders Mortgage Insurance — which can save you thousands upfront.
We know that saving a 20% deposit is no small feat — especially in today’s market. But the good news is, it’s not the only way in. Over the coming weeks we’ll be sharing what different deposit scenarios actually look like, because there are more options available than most people realise — and one of them might be the right fit for you.

Every situation is different, and we’d love to help you understand what yours could look like.

*All figures are indicative examples only. Stamp duty concessions may apply for first home buyers. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Credit criteria and conditions apply.

Book a free call via the link in our bio.

23/06/2026

When did your bank last call to check you’re on their best rate? ————>

If you can’t remember — it’s been too long.

The home loan market has changed a lot in the past few years. The rate that felt competitive when you first signed up may not be the best option available today.

A Home Loan Health Check with us takes just 15 minutes, and we will:

• Review your current rate and compare it across our lender panel
• Check your loan structure is still working for you
• Let you know honestly whether there’s a better option or whether you’re already in a good spot.

06/08/2024

You’ve worked hard, saved your deposit, and are ready to make an offer. But have you considered the other costs associated with purchasing a home? These costs can be quite significant, and without proper planning and consideration, they could affect your purchase. Here are some key expenses to keep in mind:

STAMP DUTY- In simple terms, stamp duty is a tax paid when purchasing a house. The amount varies depending on the state or territory, the property’s price, and occasionally, exemptions may apply, especially for First Home Buyers. For example, if you buy a property in Queensland for $900,000.00 to live in, you can expect to pay approximately $26,350.00 in Stamp Duty.

CONVEYANCING-These are fees for the legal work involved in transferring property ownership. The costs will vary depending on the company you choose to work with.

TRANSFER AND REGISTRATION FEES- These fees are charged alongside Stamp Duty and go towards registering the new ownership of the property. Using the above scenario of the $900,000.00 home purchase in Queensland above, you can expect to pay $231.98 in registration fees and $3,368.30 for the transfer.

BUILDING AND PEST- Not always applicable for certain property types, but if you are purchasing a standalone house, an assessor will check for structural issues and pests. Again the cost will be dependent on the company you choose to work with.

Lastly, on the date of settlement, you will need to pay any outstanding rates and water charges on the property. This is a pro-rata amount, which your conveyancer will advise.

Understanding these costs upfront ensures there are no hidden surprises at settlement. Want to know what this could look like for you? Give me a call at the number below or visit our website at tmbrokers.com.au to use our handy calculators.

Eric
0432054471

15/07/2024

Thank you Alexandra for your kind words! As a Mortgage Broker, my goal is not only to help you understand the home-buying process but also to ensure you feel confident about your available options.

By being readily available and providing clear and comprehensive information, I will help you make informed decisions and feel at ease throughout the home-buying journey.

Eric
0421768767

Address

Moray Street
New Farm, QLD
4005

Website

http://www.tmbrokers.com.au/

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