TSC Mortgage Brokers

TSC Mortgage Brokers TSC Mortgage Brokers is a mortgage and finance broking business. If you are looking for the best mortgage broker on the Sunshine Coast, look no further!

We arrange finance for your home, investments and business needs, with clear advice, smart strategy and access to a wide range of lenders.
📍Caloundra | Australia-wide support The Savings Centre (TSC Mortgage Brokers) is a Mortgage Broker and Loan Experts located on The Sunshine Coast, Queensland. The services we offer include First Home Buyers, Investment, Renovation Loans, Construction Loans, Ref

inancing, Commercial Property Loans, Second Mortgage Loans, Short Term Loans, Development Loans, Investment Property Loans, Self-Managed Super Funds, Home Loans, Personal Loans, Car Loans, Insurance Loans, Debt Consolidation and Financial Planning. Although we are located in Birtinya, we service clients from Caloundra, Kings Beach, Shelly Beach, Dicky Beach, Battery Hill, Aroona, Golden Beach, Caloundra West, Currimundi, Little Mountain, Meridan Plains all the way through to Columbus, Peregian, Noosa, the Hinterland and all surrounding areas.

It is easy to look at your savings and assume the answer is already decided.For first-home buyers, the 20% deposit figur...
11/06/2026

It is easy to look at your savings and assume the answer is already decided.

For first-home buyers, the 20% deposit figure can make everything feel like a waiting game. But your pathway into a home loan may also depend on your income, savings history, existing expenses, borrowing capacity, lender requirements and the type of property you are considering.

That is why a proper first-home buyer conversation can be useful before you decide you are too far away.

If you are buying on the Sunshine Coast, speaking with a mortgage broker can help you understand how different lenders may assess your position and what options could be available based on your current numbers.

You may find that waiting is still the right move. You may find there is a smaller deposit pathway worth exploring. Either way, the decision becomes easier when it is based on your actual position rather than a number you have been carrying around in your head.

Before you rule yourself out, it may be worth seeing how lenders could view where you are now.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

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Many first-home buyers wait to speak with a broker because they feel like they should already have more figured out.They...
08/06/2026

Many first-home buyers wait to speak with a broker because they feel like they should already have more figured out.

They are unsure if the deposit is enough, unsure what a lender might say, and unsure if buying now would be realistic or simply too much pressure. That hesitation is normal, especially when property prices, rent and everyday costs are already taking up so much headspace.

But getting clarity does not mean you have to be ready to buy straight away.

It can simply mean understanding your borrowing capacity, what repayments could look like, and which lending options may be worth considering down the track.

Sometimes the most useful step is not making a decision. It is removing enough uncertainty so the decision feels easier to approach.

If buying has been sitting in the background for a while, understanding your position may help you see the next step more clearly.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

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A 20% deposit has become one of those numbers that many first-home buyers quietly measure themselves against.It can make...
03/06/2026

A 20% deposit has become one of those numbers that many first-home buyers quietly measure themselves against.

It can make the whole idea of buying feel like something to revisit later, once the savings account looks stronger or the timing feels easier.

But the full 20% is not the only pathway into the property market for every buyer. Depending on your situation, there may be home loan options, lender policies or support schemes that make a smaller deposit worth exploring.

That does not mean rushing into a decision before you are ready. It simply means you may not need to keep guessing from the outside.

If the deposit target has been making the whole thing feel out of reach, getting a clearer view of your borrowing capacity can give you a more honest starting point.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

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25/05/2026

The Federal Budget has raised some important questions for property investors.

Negative gearing, capital gains tax, new builds, established properties and borrowing capacity are all part of the conversation, but the key message is simple:

Nothing changes right now.

Most of the proposed changes start from 1 July 2027, and existing investments are largely protected.

For future investors, though, timing, property type and structure may matter more than before. That is where early planning becomes valuable.

We’ll be sharing a longer Budget update soon, breaking down what these changes may mean for investors and how they could shape future property finance decisions.

Join the TSC mailing list to receive the full update and stay across what the Budget may mean for your next move.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

20/05/2026

The Federal Budget has left a lot of people asking the same question.

What does this actually mean?

Matt Punter joined Hot 91.1 FM on 13 May to unpack some of the key property and lending conversations coming out of the Budget, including negative gearing, capital gains tax, investor borrowing capacity and the role investors play in creating new housing supply.

He also touched on what this could mean for everyday Sunshine Coast residents dealing with rent pressure, cost-of-living concerns and uncertainty around interest rates.

For property investors, the detail matters.

Changes in tax settings, borrowing capacity and loan structure can all influence how the next move is assessed.

For first-home buyers, renters and homeowners, the bigger picture is just as important: understanding how policy, lending conditions and market pressure may affect your position.

Check how today’s lending conditions may apply to your numbers.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

Most first-home buyers negotiate the price. Few realise how much else can be negotiated.When buying your first home, the...
18/05/2026

Most first-home buyers negotiate the price. Few realise how much else can be negotiated.

When buying your first home, the conversation doesn’t have to stop at the sale price.

Loan features, lender fees, settlement timing and even certain property inclusions can sometimes be negotiated as part of the process.

Knowing where flexibility exists can make a meaningful difference to the overall cost of buying your home.

It’s not about pushing harder. It’s about knowing what questions to ask before signing the contract.

Find out where negotiation may exist across your loan and purchase structure.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

The number a bank says you can borrow isn’t always the number you should borrow.Borrowing capacity is only one part of t...
15/05/2026

The number a bank says you can borrow isn’t always the number you should borrow.

Borrowing capacity is only one part of the picture.

The more important question is how your mortgage fits into your broader life... your goals, your lifestyle, and your long-term plans.

Looking at the bigger financial picture can help you move forward with confidence rather than pressure.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

The biggest barrier to buying your first home often isn’t money.It’s hesitation.Many first-home buyers reach the point w...
12/05/2026

The biggest barrier to buying your first home often isn’t money.

It’s hesitation.

Many first-home buyers reach the point where they’ve done the research, looked at properties, and run the numbers… but still wonder if they’re truly ready.

“Ready” doesn’t always mean everything is perfect. Sometimes it simply means understanding what to expect and having the right people guiding you through the process.

Clarity can make the next step feel far less overwhelming.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

Buying your first home is more than just choosing the property.What happens around the deal can matter just as much.Sett...
07/05/2026

Buying your first home is more than just choosing the property.

What happens around the deal can matter just as much.

Settlement timing, requested repairs and property inclusions can all influence how smooth the process is after your offer is accepted.

Knowing what to ask for and understanding the steps ahead can help you avoid unexpected surprises later.

Preparation doesn’t just reduce stress. It helps you approach negotiations with greater clarity.

Learn what to consider before making your first offer.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

Investor lending just hit a record.New investor loans jumped 23.6% over the past year, according to ABS data.That makes ...
04/05/2026

Investor lending just hit a record.

New investor loans jumped 23.6% over the past year, according to ABS data.

That makes investor activity the fastest-growing part of the housing finance market right now.

Confidence is improving but lending standards haven’t loosened.

Serviceability buffers remain in place, and new debt-to-income limits mean lenders are still assessing applications carefully.

More investor activity usually means:
• stronger competition for property
• greater scrutiny on borrowing capacity

That’s why many investors are checking their numbers before stepping into the market.

Curious where your borrowing capacity sits right now? Let’s run the numbers.

📞 Call us: 1300 556 110
🔗 Connect: linktr.ee/tscmortgagebrokers
🌐 Visit: thesavingscentre.com.au/contact-us

Address

4/51-55 Bulcock Street
Caloundra, QLD
4551

Telephone

+611300556110

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