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Gary Singh - Mortgage Broker in Rochedale South

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Brisbane, QLD
Gary Singh - Mortgage Broker in Rochedale South

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I'll help you get a better home loan from dozens of different lenders. We charge no fee for our services.

I am part of the broking group that delivers over 10% of all home loans in Australia every month.

04/11/2026

Do you feel a bit ill when you open the letterbox and see your credit card statement? It's happened to most of us at some point - a few untimely expenses pop up, and suddenly that credit card has a life of its own.

The good news? There is hope. You can get control of your credit card debt today with a few simple steps.

Stop the bleeding

It might sound obvious, but the first step to cutting down your credit card debt is to stop growing it. If you have any direct debits connected to the card, make other arrangements for these to come out of a bank account. Then, use whatever means necessary to destroy the card so that you can stop accruing debt.

Pay more than the bare minimum

If you only pay the minimum amount each month, you'll see many birthdays waiting for your credit card debt to decrease. In most cases, you will only be paying the interest on the debt without reducing what you owe. It's time to sit down and make a budget, and look for ways to pay as much as possible off your credit card each month.

Work out your priorities

If you have debts on more than one credit card, your instinct might be to pay the largest amount off as a priority. Alternatively, try focussing on the card with the highest interest rate. It's also worth knocking over your smaller cards first (and then cancelling them) so that you can concentrate on one monthly repayment.

Try a balance transfer

Many lenders offer great introductory rates on new credit cards. Some even offer rates of 0% for the first 6 or 12 months. This presents a great opportunity to work on getting your balance down, without being charged interest.

Beware though - it's important to investigate what your interest rate will be after the introductory period. It's also vital that you do pay as much as possible off the balance. If you don't reduce your debt, and if the standard interest rate is higher than what you had before - you will only do further damage.

Save for a rainy day

Many of us get into trouble with credit cards because we don't have adequate savings when something unexpected comes up. While you work hard at reducing that credit card debt, try to put a little bit in savings each month and build up a buffer. That way if you suddenly need a new set of tyres or a hot water service, you won't undo all of your good work by whacking it on the credit card.

Put your hand up

If you can't seem to get control of your finances and you feel like the situation is getting worse every day, it might be time to ask for some help. There are experienced financial counsellors and legal representatives who can help you to make a plan and get back on top of things again.

03/11/2026

Moving on from any long term relationship, be it marriage or de facto, can attract a heavy emotional toll, but the financial impact can be far reaching and long lasting.

Finances are often left on the backburner as you focus on the emotional health of you and your family.

It may also be that this is the first time you have had the sole responsibility for your finances, are overwhelmed and don�t know where to start.

The key is to take action early. Click here for some steps to get back on track financially after a separation or divorce.https://www.mortgageaustralia.com.au/email/files/startingover.pdf

02/11/2026

Did you know that three in 10 mortgages arranged by mortgage brokers are in rural and regional areas, improving access to home lending for rural and regional Australians � in locations where there may be few or no bank branches. https://www.afgonline.com.au/broker/keep-competition-alive/

https://youtu.be/zsjxPB6ITRg

31/10/2026

Face the future with greater certainty with a fixed rate home loan.

One in five Australians taking out a home loan is now opting to fix their interest rate, according to a recent AFG Mortgage Index.

Not only are fixed rates proving popular in the midst of global economic uncertainty, many borrowers are cashing in on unprecedented, increased competition around fixed rate loans.

Traditionally, lenders have set fixed rates a smidge above the average variable rate. At the moment, however, many institutions are offering fixed rates below others' variable rates, prompting savvy borrowers to shop around.

The main benefit of a fixed rate is certainty. Regardless of shifts in the economic sands, your mortgage repayments stay the same, allowing you to budget with more confidence. If official interest rates rise, your mortgage repayments are unaffected. On the flip side, of course, if interest rates drop, you won't benefit.

With experts wavering on whether local interest rates will go up, down or nowhere over the next 12 months, now could be an opportune time to take advantage of special offers around fixed rates.

Some lenders, for example, are offering fixed rates at 0.8 per cent lower than the standard variable rate of other institutions. On a $300,000 loan, that equates to a $200 saving in interest each month.

Fixed rates are generally based on what the economy may do over the next three to four years, while variable rates are more aligned to the current cash rate, set by the Reserve Bank of Australia. At the moment, this is overlaid with the fact lenders are looking to drive movement in the market through competition.

Although Australia's economy is deemed very stable against the backdrop of the European debt crises and slow economic recovery in the United States, home owners have been happy to sit on the sidelines to see how it all plays out before making any decisions about buying and selling.

As a result, many financial institutions have been trying to entice us back in the game with competitive fixed rates.

As with all borrowing situations, your decisions should be based on your circumstances and financial goals. However, there are some basic pros and cons that apply to fixed rates that you should consider.

The biggest benefit of a fixed rate, is knowing exactly what your repayments will be for a set period - usually one to five years. This can be a real advantage if you are considering a career change, starting or expanding a family or have kids moving into private education, because it can ease the stress of budgeting.

On the downside, fixed rate loans tend to be more restrictive than variable ones. You usually can't make additional payments, plus lenders generally charge high break fees if you want to exit the loan during the fixed period.

If you want to tap into the benefits of both a fixed and a variable rate, consider splitting your loan so a portion of your debt is exposed to shifts in official rates - up or down - and the rest is locked into a set rate.

With official interest rates sitting at affordable levels and question marks hanging over which way they will head over the next 12 months, it's worth chatting with your local Mortgage Broker about fixed rates and what the market has to offer. It may be just the move to help you face the future with some certainty.

31/10/2026

Did you know that approximately 80% of Australians end up on some form of government assistance in retirement?

Did you also know that ONLY 20% of Australians invest in property?

Coincidence you think? I'd say not.

You could probably afford an investment property for less than the repayments on a small car. So rather than upgrading your car as soon as it is paid off, consider building wealth for your future.

Have a look at this short article for more details - Are You Driving Your Investment Property.pdfhttps://www.mortgageaustralia.com.au/email/files/areyoudrivingyourinvestmentproperty.pdf

30/10/2026

How to buy with a friend - without killing the friendship or your credit rating

Have you ever heard the expression, 'no friends in business'?

It's an oldie but a goodie.

This is the attitude you should bring when considering buying property with a friend.

Many good friendships have gone under the bus, and lots of people have taken a bullet to their credit rating by not giving this decision adequate thought.

So what are the risks involved with co-ownership, especially when you purchase with a friend?

What if one owner wants to sell?

One of the biggest problems with co-ownership is when one owner decides they want to sell the property, but the other owners don't agree.

This often ends up in court, and the process can be costly and upsetting for everyone. And needless to say - the friendship probably won't survive.

Buying could be harder in the future.

It might seem like the dream scenario to invest now with your best friend.

But if you decide in a few years to purchase a home to live in, the lender will assess your financial commitments based on the whole loan for the first property, not just the portion that you agreed to cover.

This could make it very difficult for you to get another loan.

You could be left holding the baby.

If something happens and your friend is unable to make their repayments, you could be left in the difficult situation of repaying the entire loan by yourself.

Coupled with your other living expenses, you might not be in a position to cover the whole amount yourself.

But there are some ways that you can reduce the risk, if you are keen to purchase property with a friend:

1) Put a legal will in place. It's important to make arrangements for what will happen to your assets if you pass away or become incapacitated.

2) Draw up a co-ownership agreement. If you can think about any issues that might possibly come up in the future, and have an agreement in place to solve them, you're less likely to wind up in court trying to work things out.

3) Choose the right structure - tenants in common, or joint tenants. Tenants in common can own a different portion of the property, and they need to specify in their will who will inherit their portion if they die. Joint tenants jointly and equally own the property, and if one person dies, their share automatically goes to the other(s) regardless of the instructions in their will.

4) Choose the right person. It's important to discuss your financial goals and values before you enter into this sort of arrangement. You need to feel comfortable knowing that your friend will be financially secure enough to keep up their end of the bargain - otherwise you might be left trying to cover the repayments alone.

It's important to think about your own relationships as well, if your partner is keen for you to buy a house together next year, you might want to think about how this first investment might impact your borrowing power.

30/10/2026

How many ways can you buy a swimming pool?

Question: How many ways can you buy a swimming pool?
Answer: At least 8 different ways that I can think of.

And not all of those ways may be suitable for everyone - here is my list.

Not everyone wants a swimming pool either. But perhaps a new car, maybe a boat, a motorbike or a decent holiday? A caravan or a new garage? An aeroplane even?

Doesn't really matter what it is, but if you need to spend a serious amount of money, it may be worth looking at some of the things you can do with your home loan to facilitate your new purchase.

You see, 6 of those 8 different ways I mentioned actually involve your home loan, so it's probably worth a look first, just to make sure.

That's where I can help. It doesn't cost anything to check out what would work for you, and then you can actually make an informed choice.

The least I can do is point you in the right direction and the privacy act ensures our conversation is entirely confidential.

What do you think?

Contact me and we'll see where you stand.https://www.mortgageaustralia.com.au/email/files/8waystobuythatpool.pdf

28/10/2026

Renovate or Evacuate? The pros and cons of renovating your home to sell.

So, you've decided it's time to sell your property. Perhaps your family has grown and everyone needs some space. Or maybe the kids have left the nest and you're ready for less maintenance and more travel.

You want to get the maximum price for your property with minimum fuss. But how much work should you do to prepare your home for sale?

If you like to watch a lot of DIY shows, you might have always dreamed of doing your own renovation rescue, and raking in the profits. But how much is too much to spend? Does it really mean a better selling price if you invest your life savings in a new kitchen?

Before you run down to the hardware store, let's look at the pros and cons...

Pro - Your property will appeal to people who don't want to renovate - such as families and professional couples.

Con - Your property will not appeal to buyers looking for a project of their own, and you could alienate these potential buyers.

Pro - You will add value to the property and take advantage of the profits, rather than leaving someone else to reap the rewards.

Con - The whole thing could backfire and you could spend loads on renovating without making much on the sale of the property.

Pro - Renovating could give you a competitive edge when there are similar properties for sale in the area.

Con - Buyers might not love your purple feature walls as much as you thought they would, and your taste could drive them away.

Pro - It might be just plain necessary to do some work before you can sell your property, depending on the condition.

Con - Renovating can be a real pain in the proverbial - are you ready for mess, stress and lots of aching muscles?

So how do you decide? There's no simple answer here, I'm sorry to disappoint you! If the pros and cons have your head spinning, try speaking with a few real estate agents. They should be able to give you an idea of what work should be done to achieve the price you want.

28/10/2026

So, you're thinking about upgrading your home. Maybe your kids are getting older now and it's time to find a place with a big backyard.

Most new home owners will make the decision to upgrade before long - but for many young families, a lack of planning can spell disaster when upsizing the family home. Before you start shopping around for a real estate agent, take a few minutes to ask yourself a few simple questions.

Why do you want to move?

Be clear about your reasons for upgrading. Buying an enormous home won't necessarily mean greater capital growth in the future. Sometimes the greatest growth is in the lower end of the market. If you want to upgrade simply to grow your property portfolio, consider purchasing an investment property instead.

Where do you want to be?

If you're upgrading to give everyone some space, consider the area that you want to live in. You might be able to afford a much bigger home by moving an extra 15 minutes from the city. It all depends what sort of lifestyle you want to maintain.

What are the real costs?

Investigate all of the costs associated with upsizing your home. That means, not just the additional mortgage payments, but increased utility bills, perhaps a longer commute to work, more furniture to fill the additional space etc. It's important to know exactly how much the move will cost you - not just the initial purchase.

What about interest rates?

Could you afford to borrow an extra $150,000 if the interest rates were 2% higher? Make sure you take into account some interest rate rises when you work out what you can afford to borrow. Although a lender might offer you the funds, that doesn't mean that they know everything about your lifestyle and budget.

Will I change my lender?

You might take the opportunity to shop around for a better deal on a loan before you purchase your new property. It's important to keep in mind though, there could be charges associated with paying out your current mortgage, and there will probably be some establishment fees involved in taking out a new loan. These fees should be part of your decision-making process.

It's also important to ask your mortgage broker about Lenders Mortgage Insurance. LMI is generally payable when you borrow more than 80% of the purchase price. Depending on your purchase amount, LMI could add up to several thousand.

Did you answer all of the above questions, and still want to upgrade your home? Great! There's nothing wrong with wanting to move on to greener pastures. But to avoid putting yourself under financial strain, it's always important to do your homework.

Address

Margaret Street, Rochedale South
Brisbane, QLD
4123

Opening Hours

Monday	8am - 10am
Tuesday	8am - 10am
Wednesday	8am - 10am
Thursday	8am - 10am
Friday	8am - 10am
Saturday	8am - 10am
Sunday	8am - 10am

Telephone

+61422624548

Website

https://www.mortgageaustralia.com.au/mortgagebroker/garysingh

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