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Nicole Brophy - Canberra Mortgage Broker

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Australia
Canberra, ACT
Nicole Brophy - Canberra Mortgage Broker

I love providing my clients with the right advice, loan structure, and support to help them achieve their goals.

02/11/2026

Could the wrong bank valuation be costing you $100,000 or more in accessible equity?

Here's something many property investors don't realise. The same property can receive different valuations depending on the lender and the method used.

And it can work in your favour or against you.

An automated valuation might overlook your renovations, better finishes or incredible views, leaving you with a lower valuation than expected.

But it can also work the other way. If a neighbouring property sells for more because it has features yours doesn't, an automated valuation might actually produce a better result than a physical inspection.

That's why a full valuation isn't always the best option, and the first valuation you receive isn't necessarily the one you should build your lending strategy around.

🎥 Watch the full video on our YouTube channel:
The secret bank valuation hack for property investors.
https://youtu.be/CSaJkcEY8Oc

01/11/2026

New career. New job. Six weeks in. Still on probation.

And wanting to buy a first home.

Sounds like we might have a problem?

Not necessarily.

I recently had a client who'd moved from childcare into her first job as a vet nurse after studying for her new career.

In this situation, my job wasn't necessarily to find the lender with the absolute cheapest rate.

It was to find a lender whose employment policy actually suited her.

Different lenders can treat probation, short employment history and a change of industry differently.

Sometimes the best home loan isn't the one with the lowest rate.

It's the one that actually lets you buy the house.

31/10/2026

That face you make when someone mentions another interest rate rise. 💀

Because nothing says Happy Halloween quite like the possibility of another 0.25% on your mortgage repayments. 🎃

Surely we've had enough scares for one year?

30/10/2026

That $200,000 renovation quote? It could end up costing you $255,000 before you've even factored in further delays.

Here's how quickly the extras can add up:

$30,000 contingency
$10,000 design and professional fees
$15,000 temporary accommodation

And that's before any additional surprises during construction.

If you're weighing up renovating your current home or buying something bigger, make sure you're comparing the full costs, not just the builder's quote.

In the full video, I break down the real costs of renovating versus relocating, and what families should consider before making the move.

🎥 Watch the full video on YouTube:
Should you renovate or relocate? The real cost of upsizing your family home.
https://youtu.be/6oOF_zHBQVA

29/10/2026

Got a home loan with Suncorp and not loving the move to ANZ?

I've been hearing from quite a few clients lately who are concerned about losing some of the features they originally chose Suncorp for.

And I get it. We often recommended Suncorp because of the flexibility and features their products offered.

But here's the good news. There are other lenders out there offering similar features.

So if you're happy with how your current loan works but aren't sure what the transition to ANZ means for you, it's worth exploring your options.

You don't necessarily have to give up the features you love.

If you're with Suncorp and want to know what else is available, get in touch. I'm happy to talk you through it.

28/10/2026

It’s a pre-approval 💘
Did you get it?

Kind of like dating…
Lots of potential.
Very exciting.
But not a ring 💍

It’s a “yes, for now,” based on who you are at this moment.
Pre-approvals are typically valid for 90 days. After that, you’ll usually need to reapply.

Change the spending, job, debts, open a credit card… or let time pass, and things can get complicated 😅

Still a great start.
Still really important.
Just not a lifetime commitment.

If you’re not sure where yours sits right now, we can check 👋

27/10/2026

Will the RBA raise interest rates again in November?

It's the question I keep getting asked!

Now, I don't have a crystal ball, but I'm backing another hold this time around.

And I'm certainly hoping that's the case, because my own home loan repayments are getting a little uncomfortable too!

What do you reckon? Another hold or a hike?

26/10/2026

Got that one finance question you've been asking everyone but still haven't got a straight answer?

How much could I borrow? Could I get a better interest rate? Is my credit card affecting my borrowing capacity?

Well, here's your chance to get some proper answers, and potentially $500 in your pocket!

Book and complete a free Finance Session with me by 6 November and you'll go into the draw to win a $500 Visa gift card.

You don't need to be ready to buy, refinance or make any big decisions. Sometimes you just need a bit of advice to work out your next move.

The competition is open to anyone who hasn't previously arranged a loan through Trilogy Funding.

Book at the link below. Winner drawn by 13 November 2026. T&Cs apply.
https://strategysession.trilogyfunding.com.au/finance-session

25/10/2026

Found the perfect unit in an over-55s complex?

Before you fall completely in love with it, let's make sure your lender does too. 😬

Over-55s properties can be a little trickier when it comes to finance because they're only available to a smaller pool of buyers.

From a lender's point of view, that can make the property harder to sell if they ever needed to recover their money.

So while some lenders will happily consider them, others may not accept the property as security at all, or may have additional restrictions.

It doesn't mean you can't buy one.

It just means the lender matters.

So before you sign anything, send me the property details and let's make sure we're talking to a bank that actually wants it.

22/10/2026

What would you do with an extra $700 a month?

Because I can think of quite a few things. 😂

Recently, we had clients with car and caravan loans putting a decent squeeze on their monthly cash flow.

We refinanced the debts and managed to free up around $700 every month.

That’s $8,400 a year back into their household budget.

And yep, they were pretty stoked.

Refinancing debt isn't automatically the right move for everyone. The interest rate, loan term, total interest cost and any fees all need to stack up.

But when cash flow is tight, it's absolutely worth looking at what all those separate repayments are costing you each month.

Address

Equinox Building 1, Level 1, 70 Kent Street, Deakin
Canberra, ACT
2600

Opening Hours

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

Website

https://www.trilogyfunding.com.au/

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