Ian Cook Finance

30/09/2025

The expected announcement - certainly better news than an interest rate increase!

21/02/2025

Has it been a while since you checked if your home loan interest rate is competitive? Feel free to reach out and we'll be happy to take a look for you, as well as to see if we can negotiate a lower interest rate with your current Lender, on your behalf. Every little bit helps!

20/11/2024

🏡 Great News for Buyers in Queensland! 🎉

If you haven’t owned a property in the last 10 years, or you’re purchasing your first home, you could be eligible to buy a property in Brisbane (surrounding suburbs) and Regional Centres of Queensland for up to $700,000 with just a 5% deposit — and you won’t need to pay Lenders Mortgage Insurance (LMI)! 🙌

💡 Key Benefits:

- Purchase a home in Brisbane and Regional Centres for up to $700,000 Only 5% deposit required
- No LMI fees to worry about ✅

This is a fantastic opportunity for anyone looking to get into the property market without the burden of LMI. If you meet these criteria or are curious about your eligibility, we’d be happy to guide you through the process and answer any questions!

18/11/2024

🏡 First-Home Buyers, This One’s for You! 💸
Big News! First Home Buyers pay no stamp duty up to $700,000! 🎉

If you're a first-time buyer, now could be the perfect time to take advantage of this exciting change and save thousands on your home purchase. 🏠💰

Here’s what you need to know:

✅ Stamp Duty Savings – First-home buyers purchasing a property up to $700,000 may be eligible for a full exemption on stamp duty, making home ownership more affordable than before!

✅ Why Now? – With property values rising, this concession can help you get into your dream home sooner, without the extra financial burden of high stamp duty costs.

✅ Don’t Miss Out! – Whether you’re buying in the city or suburbs, this stamp duty concession could make a big difference in your budget.

📞 Ready to take the next step? Contact us today to see how you can maximize this benefit and secure your first home!

07 3063 7269

14/11/2024

🏡 Unlock the Power of Your Home Equity! 🔑
Have you noticed your home’s value rising recently? 📈 If you're a homeowner, you may now have more equity in your property than you realise. The good news is, you can use that equity in a number of ways to improve your financial situation or achieve your goals!

Here are 3 things you can do with your home equity:

Home Renovations 🔨 – Upgrade your kitchen, add a bathroom, or make your home more energy-efficient with Solar.

Debt Consolidation 💳 – Pay off high-interest debts by using your equity to lower your overall payments and simplify your finances.

Invest in Property 📈 – Use your equity for a new investment property to build wealth.

No matter your goals, your home’s equity could help you get there! 💪

📞 Ready to explore your options? Reach out to us today! We’ll walk you through the process and help you make the most of your hard-earned home value.

07 3063 7269

04/07/2023

Let's hope that the pause lasts a little longer than one month.
In the meantime, (if you can) increase your repayment amount 'as if' the interest rate did increase and build yourself a buffer for future uncertainties.
Feel free to message us if you'd like to know the amount of the increase you don't 'have' to pay this month.

04/07/2023

Team presentation last night at the Brisbane North Chamber of Commerce Meeting, including some great tips on how to plan and manage your mortgage, to minimise interest and save money.

06/06/2023

I must admit I wasn't expecting this one! If these rate increases are causing you pain, please feel free to contact us as a first step. Whilst I can't make any guarantees as each situation is different, there are a couple of ways in which we may be able to assist, and we'll certainly do our best.

04/04/2023

26/03/2023

Are you thinking of refinancing in the near future?

Here are a few things which you could hold off on doing until after this has happened as they will reduce your borrowing capacity and can cause you to get stuck with your current lender:

- Applying for a credit card or personal loan
- Changing Jobs
- Changing into a new industry
- Reducing Income
- Changing to casual employment
- Increasing family size (Including Pets)

At Ian Cook Finance, we can help you understand how these factors could potentially impact your borrowing capacity. Contact us today to discuss your refinancing options and find out how we can help you achieve your financial goals!

24/03/2023

Thinking about choosing a fixed interest rate? Here are some pros and cons for fixed rate loans.

Pros:
- Stability: With a fixed rate mortgage, your interest rate and monthly payments remain the same for the entire term of the fixed rate period, providing stability and predictability in your budgeting.
- Protection: If interest rates rise, your fixed rate loan will not be affected, protecting you from potential payment shock or financial strain during the fixed period.

Cons:
- Lack of flexibility: With a fixed interest rate, most banks won't allow unlimited additional repayments. Also, the additional repayments are normally not able to be redrawn until the end of the fixed period.
- If rates were to decrease your rate would stay the same so you won't be able to access lower interest rates until the fixed period has expired.

Hopefully, these tips will help you determine whether to fix your interest rate or not.

If you would like details about current fixed interest rates, feel free to send a message :)

24/03/2023

Would you like a few thousand extra dollars in your bank? Let us help you refinance your home loan and even receive cashback for your efforts. You could potentially save thousands of dollars in interest.

At Ian Cook Finance, we understand the challenges of managing your finances, especially during these uncertain times. That's why we're committed to helping you find a competitive mortgage rate and deal that works for you.

When you choose us as your mortgage broker, you'll have access to a wide range of lenders and loan options, including cashback deals that can make the move just that extra bit worthwhile. Our brokers will guide you through the refinancing process and help you find the right loan that suits your needs.

This means you can enjoy lower mortgage payments and extra cash in your pocket. (OR continue making the same repayments as now and pay off your loan sooner.)

Don't let high mortgage payments hold you back. Contact Ian Cook Finance today and see how much we can help you save and get you closer to achieving your financial goals.