Michelle Noble - Brisbane Mortgage Broker

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Michelle Noble - Brisbane Mortgage Broker

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I'm Michelle, a Brisbane mortgage broker. 🏠I specialise in first home buyers, upgraders, refinances and pre-approvals. 🩺Proud to support nurses & health professionals ✔️ Follow for Mortgage tips and insights

03/11/2026

🏡 The RBA has raised the cash rate. What does this mean for your home loan?

Today's 0.25% increase takes the official cash rate to 4.85%.

For mortgage holders, this could mean higher repayments, depending on your lender and loan type.

☕️ A question worth asking:

💡 “Is my current home loan still working for me?”

A home loan check-up doesn't always mean refinancing. Sometimes it's simply about reviewing your rate, loan features and available options.

When was your last home loan check-up?

Let's chat!

03/11/2026

LMI? Let's clear this one up! 🤔🏡

Just another day in the life of a mortgage broker… coffee in hand ☕ and answering one of the questions I often hear!

💡 LMI stands for Lenders Mortgage Insurance.

Here's the twist 👀

You generally pay for it, but it protects the lender, not you!

LMI protects the lender against certain losses if a borrower defaults on their home loan and selling the property doesn't cover the outstanding debt.

📊 It's commonly required when you're borrowing more than 80% of the property's value.

But whether it applies, and how much it costs, depends on the lender, loan and your circumstances.

✨ And here's something worth knowing!
Some eligible buyers may be able to avoid LMI through certain government schemes or lender policies for specific professions.

Before committing to a home loan, it's worth asking:
🏡 Will LMI apply to my loan?
💰 How much might it cost?
📋 Can it be added to my loan?
🔍 Are there any exemptions or schemes I might qualify for?

No jargon, just a little more clarity! 💛

📌 Save this for when you're planning your next property purchase.
General information only. LMI requirements, costs, exemptions and eligibility vary by lender and individual circumstances. All lending is subject to lender criteria, assessment and approval.

Noble Lending Group Pty Ltd | Credit Representative 565286 of Australian Finance Group Ltd ACN 066 385 822 Australian Credit Licence 389087.

01/11/2026

🏡 LVR. Three letters you'll hear a lot when buying a home. But what do they actually mean?

LVR stands for Loan-to-Value Ratio.

Put simply, it's how much you're borrowing compared to the value of the property.

Let's say you're buying a home for $700,000.
🏡 Property value: $700,000
💰 Your deposit: $140,000
🏦 Home loan: $560,000
Your LVR is 80%.

Why does it matter?

Your LVR can influence the home loan options available to you, the interest rate you're offered and whether Lenders Mortgage Insurance (LMI) may apply.

💡 And here's something worth knowing: You don't necessarily need a 20% deposit to buy a home. Some lenders and government schemes may allow eligible buyers to purchase with less.

Understanding your LVR is a great place to start when working out your home buying options.
Still confused by all the mortgage jargon? That's what I'm here for! 💛

General information only. Example figures are for illustration only. LVR limits, LMI and eligibility vary by lender and individual circumstances. All lending is subject to lender assessment and approval.

Noble Lending Group Pty Ltd | Credit Representative 565286 of Australian Finance Group Ltd ACN 066 385 822 Australian Credit Licence 389087.

01/11/2026

What a privilege it is to be part of someone's story. 💛

One of my favourite things about being a mortgage broker isn't the numbers or the paperwork.

It's the people.

The first-home buyer who's been saving for years.

The couple planning their next chapter.

The family who needs a little more room.

And the conversations where someone trusts me enough to share their plans, questions and worries.

Having spent years working as a nurse, helping people has always been an important part of who I am.

These days, it looks a little different.

Different career. Same love of helping people.

And I'm genuinely grateful to be invited along for the journey.

Michelle x

29/10/2026

Still sipping cocktails… still paying off the same home loan since 2018? 🍹👻

When was the last time you gave your mortgage a check-up?

If it's been a few years, your loan might be worth another look. 🎃
Three things worth reviewing:
🎃 Your interest rate: How does it compare with other available options?
👻 Your loan features: Do your repayments, offset or redraw facilities still suit your needs?
🏡 Your future plans: Thinking about renovating, upgrading or investing?

Here's the thing…

A home loan review doesn't necessarily mean refinancing.

Staying with your current lender may be appropriate, depending on your circumstances. It's about understanding your options, including potential fees, costs and loan features.

Don't let your mortgage become a forgotten skeleton in the cupboard! 💀

💬 Haven't reviewed your home loan in a while? Let's have a chat.
📍 Noble Lending Group | Brisbane's west and beyond
📞 1300 806 859

General information only. Loan options, rates, fees and eligibility depend on individual circumstances and lender criteria. Refinancing may involve costs and may not be suitable for everyone. All lending is subject to lender assessment and approval.

Noble Lending Group Pty Ltd | Credit Representative 565286 of Australian Finance Group Ltd ACN 066 385 822 Australian Credit Licence 389087.

29/10/2026

7am. Night shift done. You drive past the suburb you're saving for and wonder if your penalty rates and overtime will even count.

They can, but lenders don't all assess them the same way. Some look for a history of shift or overtime income first. Some only count part of it. Others look at how regular it is.

So two people on a similar take-home pay can get different answers depending on where they apply.

If shifts, overtime or allowances make up a big part of your income, it's worth understanding how they may be assessed before you start house hunting. Happy to talk it through around your roster.

Noble Lending Group Pty Ltd | Credit Representative 565286 of Australian Finance Group Ltd ACN 066 385 822 Australian Credit Licence 389087. General information only. Lending criteria, terms and conditions apply.

27/10/2026

Pre-approved? Here are a few things to ghost this weekend! 👻
🏡 The house hunt is underway, but don’t let unexpected financial changes haunt your pre-approval!
💳 New loans or credit cards
💼 Changes to employment or income
💸 Big spending from your savings
🏡 Properties outside your assessed purchase scenario These changes may affect your lender’s assessment.
The one person you shouldn’t ghost? Your mortgage broker! 👻 A quick conversation before making significant changes may help you avoid unexpected surprises.
📌 Save this for your next open-home weekend! 📩 Send this to someone who’s currently looking for their first home!
This post provides general information and does not consider your personal circumstances. All loans are subject to approval and lending criteria. Contact us to discuss your specific needs. Credit Representative #565286 is authorised under Australian Credit License #389087.

27/10/2026

Pre-approved? Here are a few things to ghost this weekend! 👻🏡

The house hunt is underway, but don't let unexpected financial changes haunt your pre-approval!
💳 New loans or credit cards
💼 Changes to employment or income
💸 Big spending from your savings
🏡 Properties outside your assessed purchase scenario

These changes may affect your lender's assessment.

The one person you shouldn't ghost? Your mortgage broker! 👻

A quick conversation before making significant changes may help you avoid unexpected surprises.

📌 Save this for your next open-home weekend!

📩 Send this to someone who's currently looking for their first home!

This post provides general information and does not consider your personal circumstances. All loans are subject to approval and lending criteria. Contact us to discuss your specific needs. Credit Representative #565286 is authorised under Australian Credit License #389087.

25/10/2026

Pre-approved? Don't get spooked! 👻🏡

Pre-approval is an exciting step towards buying your first home, but don't let it trick you into thinking everything is finalised.

Pre-approval can give you a useful indication of where you stand, but it isn't the same as unconditional approval.

Your lender may still need to:

🎃 Assess the property you're purchasing
🔍 Verify your financial information
🏡 Confirm your circumstances continue to meet its lending criteria

The real trick? Knowing what your pre-approval does — and doesn't — cover.

Before signing a contract, make sure you understand the finance conditions that apply to your purchase and seek appropriate legal advice.

📌 Save this for when the house hunt gets serious!

This post provides general information and does not consider your personal circumstances. All loans are subject to approval and lending criteria. Contact us to discuss your specific needs. Credit Representative #565286 is authorised under Australian Credit License #389087.

Address

Brisbane, QLD

Telephone

+61438767913

Website

http://www.noblelendinggroup.com.au/

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