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Premier Mortgage & Property Solutions

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Premier Mortgage & Property Solutions

Home Loan Finance ~ Mortgage Broker Cairns! Mortgage & Property Specialists

03/11/2026

🏇 𝐓𝐡𝐞 𝐫𝐚𝐜𝐞 𝐢𝐬 𝐨𝐯𝐞𝐫. 𝐓𝐡𝐞 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐤𝐞𝐞𝐩 𝐠𝐨𝐢𝐧𝐠.

The RBA has increased the cash rate by 𝟬.𝟮𝟱 𝗽𝗲𝗿𝗰𝗲𝗻𝘁𝗮𝗴𝗲 𝗽𝗼𝗶𝗻𝘁𝘀 𝘁𝗼 𝟰.𝟴𝟱%.

For households already watching their budget, another increase is unwelcome news.

What it means for your repayments will depend on your loan and your lender’s response. It is a good time to check your rate, repayments and whether your loan still suits your circumstances.

You do not need to pick the next rate move. Start by understanding the options available to you now.

📞 Let us have a conversation about your home loan.

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☎️ 𝗔𝗹𝗶𝘀𝗼𝗻 𝗣𝗶𝗴𝗴𝗼𝘁𝘁 | 𝟬𝟰𝟬𝟮 𝟴𝟯𝟴 𝟴𝟰𝟵
🌐 premiermortgage.com.au
🌐 premierpropertysolutions.com.au

🎬 𝗙𝗼𝗹𝗹𝗼𝘄 𝗣𝗿𝗲𝗺𝗶𝗲𝗿 𝗔𝗠𝗔
Facebook | Instagram | TikTok | YouTube | Spotify

𝗠𝗔𝗞𝗘 𝗔 𝗚𝗢𝗢𝗗 𝗖𝗛𝗢𝗜𝗖𝗘 – Use a Mortgage Broker.
Use Premier Mortgage and Property Group!

02/11/2026

🏇 𝐀𝐥𝐥 𝐞𝐲𝐞𝐬 𝐨𝐧 𝐭𝐡𝐞 𝐭𝐫𝐚𝐜𝐤… 𝐚𝐧𝐝 𝐨𝐧 𝐭𝐡𝐞 𝐑𝐞𝐬𝐞𝐫𝐯𝐞 𝐁𝐚𝐧𝐤.

There is more than one result worth watching this Melbourne Cup Day.

The RBA announces its next cash rate decision on 𝐓𝐮𝐞𝐬𝐝𝐚𝐲 𝟑 𝐍𝐨𝐯𝐞𝐦𝐛𝐞𝐫 𝐚𝐭 𝟏:𝟑𝟎 𝐩𝐦 𝐐𝐮𝐞𝐞𝐧𝐬𝐥𝐚𝐧𝐝 𝐭𝐢𝐦𝐞.

While picking a winner might involve a little luck, understanding your home loan options should involve a conversation.

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☎️ 𝗔𝗹𝗶𝘀𝗼𝗻 𝗣𝗶𝗴𝗴𝗼𝘁𝘁 | 𝟬𝟰𝟬𝟮 𝟴𝟯𝟴 𝟴𝟰𝟵
🌐 premiermortgage.com.au
🌐 premierpropertysolutions.com.au

🎬 𝗙𝗼𝗹𝗹𝗼𝘄 𝗣𝗿𝗲𝗺𝗶𝗲𝗿 𝗔𝗠𝗔
Facebook | Instagram | TikTok | YouTube | Spotify

𝗠𝗔𝗞𝗘 𝗔 𝗚𝗢𝗢𝗗 𝗖𝗛𝗢𝗜𝗖𝗘 – Use a Mortgage Broker.
Use Premier Mortgage and Property Group!

01/11/2026

𝗟𝗢𝗪 𝗩𝗔𝗟𝗨𝗔𝗧𝗜𝗢𝗡… 𝗪𝗛𝗔𝗧 𝗔𝗥𝗘 𝗬𝗢𝗨𝗥 𝗢𝗣𝗧𝗜𝗢𝗡𝗦? 🏡
𝗣𝗥𝗘𝗠𝗜𝗘𝗥 𝗔𝗠𝗔 | 𝗣𝗔𝗥𝗧 𝟮

The bank’s valuation has come in below your contract price—but you still love the property.

𝗗𝗼𝗲𝘀 𝘁𝗵𝗮𝘁 𝗺𝗲𝗮𝗻 𝘁𝗵𝗲 𝗱𝗲𝗮𝗹 𝗶𝘀 𝗼𝘃𝗲𝗿?

Not necessarily. Depending on your circumstances, lender and contract, your options could include:

🏡 Renegotiating the purchase price
💰 Contributing extra funds
📊 Looking at a higher lending ratio, which may mean Lenders Mortgage Insurance
🏦 Trying another lender
📄 Walking away, if your contract conditions allow

In Part 2, I explain these options and why a lower valuation means it’s time to look closely at the numbers before deciding your next move.

🎥 Watch the video below.

𝗔𝗹𝗶𝘀𝗼𝗻 𝗣𝗶𝗴𝗴𝗼𝘁𝘁 | 𝟬𝟰𝟬𝟮 𝟴𝟯𝟴 𝟴𝟰𝟵
🌐 premiermortgage.com.au
🌐 premierpropertysolutions.com.au

🎬 𝗙𝗼𝗹𝗹𝗼𝘄 𝗣𝗿𝗲𝗺𝗶𝗲𝗿 𝗔𝗠𝗔
Facebook | Instagram | TikTok | YouTube | Spotify

𝗠𝗔𝗞𝗘 𝗔 𝗚𝗢𝗢𝗗 𝗖𝗛𝗢𝗜𝗖𝗘 – Use a Mortgage Broker.
Use Premier Mortgage and Property Group!

31/10/2026

🏡 𝗕𝗔𝗡𝗞 𝗩𝗔𝗟𝗨𝗔𝗧𝗜𝗢𝗡 𝗧𝗢𝗢 𝗟𝗢𝗪? 🏡
𝗣𝗥𝗘𝗠𝗜𝗘𝗥 𝗔𝗠𝗔 | 𝗣𝗔𝗥𝗧 𝟐

You have found the home, negotiated the price and signed the contract.

Then the bank's valuation comes back lower than the price you agreed to pay. 😬

𝐃𝐨𝐞𝐬 𝐭𝐡𝐚𝐭 𝐦𝐞𝐚𝐧 𝐭𝐡𝐞 𝐝𝐞𝐚𝐥 𝐢𝐬 𝐨𝐟𝐟?

Not necessarily!

In Part 1, we explained why bank valuations and contract prices do not always agree.

𝐓𝐨𝐧𝐢𝐠𝐡𝐭 𝐢𝐧 𝐏𝐚𝐫𝐭 𝟐, we look at the options available when the numbers do not stack up.

🎙️ 𝐏𝐑𝐄𝐌𝐈𝐄𝐑 𝐀𝐌𝐀 — 𝐕𝐀𝐋𝐔𝐀𝐓𝐈𝐎𝐍𝐒 | 𝐏𝐀𝐑𝐓 𝟐

📅 Sunday 1 November
⏰ 7PM

Join us tonight!

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🏡 𝐀𝐥𝐢𝐬𝐨𝐧 𝐏𝐢𝐠𝐠𝐨𝐭𝐭 | 𝟎𝟒𝟎𝟐 𝟖𝟑𝟖 𝟖𝟒𝟗

🌐 premiermortgage.com.au
🌐 premierpropertysolutions.com.au

📲 𝐅𝐨𝐥𝐥𝐨𝐰 𝐏𝐫𝐞𝐦𝐢𝐞𝐫 𝐀𝐌𝐀
Facebook | Instagram | TikTok | YouTube | Spotify

𝐌𝐀𝐊𝐄 𝐀 𝐆𝐎𝐎𝐃 𝐂𝐇𝐎𝐈𝐂𝐄 — 𝐔𝐬𝐞 𝐚 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫.
𝐔𝐬𝐞 𝐏𝐫𝐞𝐦𝐢𝐞𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐚𝐧𝐝 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐆𝐫𝐨𝐮𝐩!

30/10/2026

🏡 𝐇𝐨𝐮𝐬𝐞 𝐡𝐮𝐧𝐭𝐢𝐧𝐠 𝐭𝐡𝐢𝐬 𝐰𝐞𝐞𝐤𝐞𝐧𝐝?

Poolside living in Kewarra Beach or room for the family in Smithfield? Put these two on your Saturday inspection list.

📅 𝐒𝐚𝐭𝐮𝐫𝐝𝐚𝐲 𝟑𝟏 𝐎𝐜𝐭𝐨𝐛𝐞𝐫 𝟐𝟎𝟐𝟔

📍 𝟏𝟐𝟔 𝐂𝐨𝐭𝐭𝐞𝐬𝐥𝐨𝐞 𝐃𝐫𝐢𝐯𝐞, 𝐊𝐞𝐰𝐚𝐫𝐫𝐚 𝐁𝐞𝐚𝐜𝐡
🕛 𝟏𝟐:𝟎𝟎–𝟏:𝟎𝟎 𝐩𝐦
🛏️ 4 bedrooms | 🛁 2 bathrooms | 🚗 2 cars
A tropical pool setting, reserve on two sides and just one neighbour.

📍 𝟐𝟔𝐀 𝐋𝐚𝐩𝐰𝐢𝐧𝐠 𝐏𝐥𝐚𝐜𝐞, 𝐒𝐦𝐢𝐭𝐡𝐟𝐢𝐞𝐥𝐝
🕜 𝟏:𝟑𝟎–𝟐:𝟑𝟎 𝐩𝐦
🛏️ 5 bedrooms | 🛁 3 bathrooms | 🚗 2 cars
Space for the family, a media room and outdoor entertaining beside the pool.

👉 Swipe through for a closer look.

Cannot make these times? Contact me to arrange a private inspection.

𝐋𝐞𝐭’𝐬 𝐓𝐚𝐥𝐤 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲.
📞 Alison Piggott | 0402 838 849

🌐 premiermortgage.com.au
🌐 premierpropertysolutions.com.au

🎙️ 𝐅𝐨𝐥𝐥𝐨𝐰 𝐏𝐫𝐞𝐦𝐢𝐞𝐫 𝐀𝐌𝐀
Facebook | Instagram | TikTok | YouTube | Spotify

𝐌𝐀𝐊𝐄 𝐀 𝐆𝐎𝐎𝐃 𝐂𝐇𝐎𝐈𝐂𝐄 – Use a Mortgage Broker.
Use Premier Mortgage and Property Group!

30/10/2026

🏡 **𝐉𝐔𝐒𝐓 𝐋𝐈𝐒𝐓𝐄𝐃 | 𝟏𝟐𝟔 𝐂𝐎𝐓𝐓𝐄𝐒𝐋𝐎𝐄 𝐃𝐑𝐈𝐕𝐄, 𝐊𝐄𝐖𝐀𝐑𝐑𝐀 𝐁𝐄𝐀𝐂𝐇**

🌴 **𝐓𝐰𝐨 𝐬𝐢𝐝𝐞𝐬 𝐨𝐟 𝐥𝐞𝐚𝐟𝐲 𝐫𝐞𝐬𝐞𝐫𝐯𝐞. 𝐉𝐮𝐬𝐭 𝐨𝐧𝐞 𝐧𝐞𝐢𝐠𝐡𝐛𝐨𝐮𝐫.**

Space, privacy and relaxed tropical living come together in this beautifully positioned four-bedroom family home.

With multiple living areas, a covered entertaining patio, established tropical gardens and a sparkling inground pool, there is plenty of room to enjoy the Far North Queensland lifestyle.

✨ **𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐇𝐢𝐠𝐡𝐥𝐢𝐠𝐡𝐭𝐬**
🛏️ 4 bedrooms | 🛁 2 bathrooms | 🚗 2 car garage

🌿 Reserve outlooks on two sides

🏊 Inground swimming pool

🍃 Covered outdoor entertaining

❄️ Air conditioning throughout

🏡 Multiple living areas and a practical family layout

**𝐏𝐫𝐢𝐯𝐚𝐜𝐲, 𝐬𝐩𝐚𝐜𝐞 𝐚𝐧𝐝 𝐚 𝐥𝐢𝐭𝐭𝐥𝐞 𝐛𝐢𝐭 𝐨𝐟 𝐭𝐫𝐨𝐩𝐢𝐜𝐚𝐥 𝐩𝐚𝐫𝐚𝐝𝐢𝐬𝐞.**

📞 Contact Alison at Premier Property Solutions to arrange your inspection.

28/10/2026

🏡 𝕃𝕆𝕆𝕂𝕀ℕ𝔾 𝕋𝕆 𝔹𝕌𝕐 𝔸 ℍ𝕆𝕄𝔼❓

𝗚𝗲𝘁 𝘆𝗼𝘂𝗿 𝗹𝗼𝗮𝗻 𝗽𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱 𝘁𝗼𝗱𝗮𝘆.

With nearly 30 years’ experience and access to a wide range of lenders, 𝗔𝗹𝗶𝘀𝗼𝗻 𝗣𝗶𝗴𝗴𝗼𝘁𝘁 can help you understand your options and find a loan that suits your individual circumstances.

Having your loan pre-approved allows you to shop for the right property with confidence.

Whether you’re:
✔️ Buying your first home
✔️ Refinancing your current loan
✔️ Purchasing an investment property
✔️ Or simply checking if your rate is still competitive

Alison takes the time to understand your situation and guide you through your home loan options.

📞 Call 𝗔𝗹𝗶𝘀𝗼𝗻 𝗣𝗶𝗴𝗴𝗼𝘁𝘁 | 0402 838 849

𝕄𝔸𝕂𝔼 𝔸 𝔾𝕆𝕆𝔻 ℂℍ𝕆𝕀ℂ𝔼 – 𝙐𝙨𝙚 𝙖 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧.
𝙐𝙨𝙚 𝙋𝙧𝙚𝙢𝙞𝙚𝙧 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙖𝙣𝙙 𝙋𝙧𝙤𝙥𝙚𝙧𝙩𝙮 𝙂𝙧𝙤𝙪𝙥!

27/10/2026

🏠 𝕃𝕠𝕠𝕜𝕚𝕟𝕘 𝕥𝕠 𝕓𝕦𝕪 𝕪𝕠𝕦𝕣 𝕗𝕚𝕣𝕤𝕥 𝕙𝕠𝕞𝕖 ❓

𝗪𝗶𝘁𝗵 𝗻𝗲𝗮𝗿𝗹𝘆 𝟯𝟬 𝘆𝗲𝗮𝗿𝘀 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝗮𝗻𝗱 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝗼𝘃𝗲𝗿 𝟲𝟬 𝗹𝗲𝗻𝗱𝗲𝗿𝘀, 𝗔𝗹𝗶𝘀𝗼𝗻 𝗣𝗶𝗴𝗴𝗼𝘁𝘁 𝗰𝗮𝗻 𝗳𝗶𝗻𝗱 𝘆𝗼𝘂 𝘁𝗵𝗲 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗹𝗼𝘄𝗲𝘀𝘁 𝗿𝗮𝘁𝗲 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗶𝗻 𝟳 𝗺𝗶𝗻𝘂𝘁𝗲𝘀!

𝘼𝙣𝙙 𝙋𝙧𝙚𝙢𝙞𝙚𝙧 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙬𝙤𝙣’𝙩 𝙘𝙝𝙖𝙧𝙜𝙚 𝙮𝙤𝙪 𝙩𝙤 𝙛𝙞𝙣𝙙 𝙩𝙝𝙚 𝙧𝙞𝙜𝙝𝙩 𝙡𝙤𝙖𝙣 – 𝙖𝙨 𝙬𝙚 𝙖𝙧𝙚 𝙖𝙘𝙩𝙪𝙖𝙡𝙡𝙮 𝙥𝙖𝙞𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙡𝙚𝙣𝙙𝙚𝙧!

Alison deals with multiple lenders on a daily basis so she knows just how flexible they can be to win your business. So, if you're looking to buy your first home, refinance, invest in property, are concerned about your situation - or just want to check to see if you have a competitive rate – get in contact with Alison today. She’s here to help you!

𝕄𝔸𝕂𝔼 𝔸 𝔾𝕆𝕆𝔻 ℂℍ𝕆𝕀ℂ𝔼 – 𝙐𝙨𝙚 𝙖 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧. 𝙐𝙨𝙚 𝙋𝙧𝙚𝙢𝙞𝙚𝙧 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙖𝙣𝙙 𝙋𝙧𝙤𝙥𝙚𝙧𝙩𝙮 𝙂𝙧𝙤𝙪𝙥!

26/10/2026

🏡 𝗙𝗢𝗥 𝗥𝗘𝗡𝗧 | 𝟭𝟰 𝗟𝗘𝗡𝗢𝗥𝗔 𝗖𝗟𝗢𝗦𝗘, 𝗪𝗢𝗥𝗘𝗘

𝗔𝗩𝗔𝗜𝗟𝗔𝗕𝗟𝗘 𝗡𝗢𝗪 – $𝟲𝟲𝟱 𝗣𝗘𝗥 𝗪𝗘𝗘𝗞

Modern, low-maintenance living in a convenient Woree location!

This well-presented home offers three bedrooms, two bathrooms and a contemporary design, making it an appealing option for those seeking comfort and practicality.

3 🛏️ | 2 🛁 | 1 🚗

📍 14 Lenora Close, Woree QLD
💰 𝗥𝗲𝗻𝘁: $𝟲𝟲𝟱 𝗽𝗲𝗿 𝘄𝗲𝗲𝗸
🔑 𝗔𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲: 𝗡𝗢𝗪

For further information or to enquire about an inspection, contact Premier Property Management.

𝗔𝗹𝗶𝘀𝗼𝗻 𝗣𝗶𝗴𝗴𝗼𝘁𝘁 | 𝟬𝟰𝟬𝟮 𝟴𝟯𝟴 𝟴𝟰𝟵

🌐 premiermortgage.com.au
🌐 premierpropertysolutions.com.au

📲 𝗙𝗼𝗹𝗹𝗼𝘄 𝗣𝗿𝗲𝗺𝗶𝗲𝗿 𝗔𝗠𝗔
Facebook | Instagram | TikTok | YouTube | Spotify

𝗠𝗔𝗞𝗘 𝗔 𝗚𝗢𝗢𝗗 𝗖𝗛𝗢𝗜𝗖𝗘 – 𝗨𝘀𝗲 𝗮 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗕𝗿𝗼𝗸𝗲𝗿.
𝗨𝘀𝗲 𝗣𝗿𝗲𝗺𝗶𝗲𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗻𝗱 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗚𝗿𝗼𝘂𝗽!

25/10/2026

𝗕𝗔𝗡𝗞 𝗩𝗔𝗟𝗨𝗔𝗧𝗜𝗢𝗡 𝗧𝗢𝗢 𝗟𝗢𝗪? 🏡
𝗣𝗥𝗘𝗠𝗜𝗘𝗥 𝗔𝗠𝗔 | 𝗣𝗔𝗥𝗧 𝟭

You’ve agreed on a price… but the bank’s valuation comes back lower.

Does that mean you can’t buy the property?

𝗡𝗼𝘁 𝗻𝗲𝗰𝗲𝘀𝘀𝗮𝗿𝗶𝗹𝘆.

In this week’s Premier AMA, I explain why the price you’re prepared to pay and the bank’s valuation can be two different numbers—and why that matters for your finance.

🎥 Watch Part 1 below.
Next week in Part 2, we’ll look at your options if the valuation falls short.

𝗔𝗹𝗶𝘀𝗼𝗻 𝗣𝗶𝗴𝗴𝗼𝘁𝘁 | 𝟬𝟰𝟬𝟮 𝟴𝟯𝟴 𝟴𝟰𝟵
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