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Daybreak Finance

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Australia
Burleigh, QLD
Daybreak Finance

Welcome to Daybreak Finance
Passionate about finding solutions for your finance needs.

01/09/2026

The property market is always shifting, and recent figures show
national average loan values have eased slightly, moving from $737k
in December to $731k in June.

While a 0.8% dip is a subtle change, it’s a reminder that market trends
are rarely straight lines. Averages are helpful for tracking the big
picture, but they don't dictate what’s possible for your personal
situation.

If you’re watching the market and wondering what these shifts mean
for you, let’s run the numbers together.

Talk to us. https://bit.ly/4h05MhR

31/08/2026

Ever heard the term Loan-to-Value Ratio, or LVR? It’s a key number to
know when you're looking at home loans.

Simply put, your LVR is the percentage of the property's value that you
need to borrow. For example, if you buy a home valued at $500,000
and borrow $400,000, your LVR sits at 80%.

Here is why that number matters to you:
● 💰 Better rates: A lower LVR means you’ve put down a larger
deposit, which could open the door to more competitive interest
rates.
● 🛡 Lenders Mortgage Insurance (LMI): If your LVR is above
80%, you may need to pay LMI. This is an extra cost that
protects the lender, not you.
● 📏 Borrowing power: Your LVR plays a big role in how
comfortable a lender is with your application and how much
they are willing to let you borrow.

If you want to calculate your potential LVR or see how it impacts
your options, let’s have a chat.

*Source: Money.com.au

28/08/2026

Helping a loved one buy their first home as a guarantor is incredibly
generous.

It can get them onto the property ladder much sooner with a smaller
deposit, but it’s vital to understand how it impacts your own financial
future.

Acting as a guarantor can affect your borrowing capacity for future
loans, as lenders factor that responsibility into your financial profile.

It’s an important piece of the puzzle for everyone involved.

Contact us via our website if you're exploring this option or want to
understand what it means for your own plans down the track.

Let's chat to map out your options together.

Visit our website here 👉 https://bit.ly/4h05MhR

24/08/2026

Spring is one week away.
If you've been planning to get pre-approval before you start looking
at properties, now is the time to act.
A pre-approval in your pocket means you can move quickly when the
right place comes up.
Visit our website to learn more about how we can help lock in your
pre-approval. Talk to us today.
Visit our website here 👉 https://bit.ly/4bUZI8u

19/08/2026

Happy National Finance Brokers Day!

Today we celebrate the people who read loan documents and who sit
on hold with lenders so you don't have to, and who genuinely get
excited when your application gets approved.

We care about your goals as much as you do.

And we're glad you found us.

18/08/2026

The dust has settled on the federal budget, but what do the property
tax changes mean for you?
According to the Australian Government Budget Factsheet, a new dual
system is coming into play:
● Existing investors: If you bought before 12 May 2026, your negative
gearing is locked in and CGT discounts apply to growth in value up
until July 2027.
● Buying established now: You can still secure the 50% CGT discount
on growth until 1 July 2027.
Negative gearing will wrap up next June.
● Buying a new build: Brand-new properties are exempt from the
changes, keeping full negative gearing and CGT perks permanently.
The transitional window is open, but navigating the rules takes some
planning.
Visit our website today to learn more about investment loans. Let’s
chat about your next move.
👉 https://bit.ly/4fIQFbP

17/08/2026

With Father’s Day around the corner, why not think a little bigger?

We’re talking about the things that make weekends worth waiting for.
Whether your family adventures need a boat, a caravan, or a new
motorbike, we’re here to help make it happen.

As loan experts, we help find the right finance to fit your lifestyle and
your budget.

14/08/2026

Thinking about selling and buying something different?

If you're considering upsizing for the growing family or just ready for a
change, timing both sides of a property transaction is one of the
trickier things to navigate. Whether you need to line up settlement
dates or explore options like a bridging loan to buy before you sell, it's
exactly what we're here to help with.

Reach out today to discuss your options. https://bit.ly/4vczqoT

12/08/2026

An ASIC review has found widespread problems in the way lenders set
up and manage offset accounts. It showed hundreds of thousands of
customers have been incorrectly charged higher interest on their
mortgages.

Check your offset account is connected correctly and saving you
interest. If it is not, or you are unsure, reach out to your lender and to
us. https://bit.ly/4vczqoT

10/08/2026

Thinking about refreshing your home?

A lot of Australians don't realise how much equity they've built up.
That equity maybe be able to be used for renovations like a new
kitchen, an extension or updated bathrooms without needing a
separate personal loan at a higher rate.

We can help you understand what's available and whether it makes
sense for your situation.

Talk to us today. https://bit.ly/4vczqoT

Address

112 West Burleigh Road
Burleigh, QLD
4220

Opening Hours

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

Telephone

+61402036000

Website

http://www.daybreakfinance.com.au/

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