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Bernard Kyne - Mortgage Consultant

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Australia
Clontarf, QLD
Bernard Kyne - Mortgage Consultant

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We help clients to achieve their dreams of Home Ownership.

It is important that you select the right lender and loan that suits your requirements and your circumstances both now and when things change in the future. We can help you with that with an initial discussion, lender recomendations, preparation of application right through to settlement and beyond.

30/10/2026

Scarier things than a costume this weekend

Happy Halloween!

Honestly, a bad building inspection report scares me more than anything knocking on the door tonight. At least you can see the costume coming.

That's it, that's the joke. Have a good one.

29/10/2026

Something I've noticed a lot lately

I've had more people lately asking about their borrowing power before they've even started looking, rather than after they've found a place. It's a smarter order to do things in.

Knowing your numbers first means you're not falling in love with something you can't actually get finance for. It also means you can move fast when the right place turns up.

Small shift in approach, but it saves a lot of disappointment.

Happy to run your numbers before you start looking properly.

28/10/2026

The latest inflation figures are out. Prices rose 4.3% over the year to September, up from 4.0% in August.

It’s the last CPI release before the Reserve Bank’s interest rate decision on 3 November.

I won’t guess what the board decides. These figures can influence expectations about interest rates, but they don’t decide the outcome on their own.

If you’ve got a home loan, it’s worth knowing how your repayments would look if rates changed, and whether they’re comfortable at today’s rate.

Happy to run through your numbers with you, no pressure.

25/10/2026

What LMI actually is

Lenders Mortgage Insurance, or LMI, generally comes into play when you're borrowing with a smaller deposit. It protects the lender if you can't repay the loan, not you.

It can add a meaningful cost to your loan, but for a lot of buyers it's also what makes getting into the market sooner possible, rather than waiting years to save a bigger deposit.

Whether it makes sense for you depends on your numbers and your timeline.

Worth checking whether LMI applies to you and what it would actually cost.

24/10/2026

Spring auction season is well underway. Domain’s preliminary figures show Brisbane’s auction clearance rate was 20% for the week ending 24 October.

But auction results only tell part of the story.

If you’re looking around Moreton Bay, whether you’re bidding at auction or negotiating directly with a seller, start by understanding your finance.

Know your budget, allow for buying costs and check what your lender still needs before you commit.

Flick me a message if you’d like to run through your numbers before making your next move.

09/10/2026

Outgrowing your place?

Had a chat recently with a family in Redcliffe looking to upgrade from their first home into something with more space. The finance side of an upgrade is different to a first purchase, there's your existing loan, your equity, and the new purchase to juggle at once.

If you're in a similar spot, it's worth understanding your numbers before you start looking seriously.

Flick me a message if you want to see where you stand.

08/10/2026

Waiting for rates to drop before you buy?

It's a reasonable instinct. Nobody wants to pay more interest than they have to.

But here's the trade-off that doesn't get talked about much: if a lot of other buyers are waiting for the same thing, competition for properties can pick up the moment sentiment shifts. That can mean paying more for the property itself, even if your rate ends up a bit lower.

I'm not saying buy now regardless. I'm saying the timing decision is bigger than just the interest rate.

Happy to talk through the trade-offs for your situation, no pressure either way.

06/10/2026

Fixed, variable, or a bit of both

A fixed rate locks in your repayment for a set period, so it stays the same even if rates move around you. A variable rate can go up or down, but usually comes with more flexibility, like extra repayments or an offset account.

Some people split their loan, part fixed and part variable, so they've got a bit of certainty and a bit of flexibility at the same time.

There's no single right answer. It depends on your situation, how you handle risk, and what you need the loan to do for you.

Worth a chat if you're weighing up which way to go on your next loan.

02/10/2026

Spring's heating up around here

More listings, more open homes, more competition. That's spring in Moreton Bay.

If you're planning to buy in the next few months, getting your finance sorted now means you're ready to move when the right place comes up, instead of scrambling once you've found it.

Happy to run through your options, no pressure, just information.

01/10/2026

One thing I always check before it becomes a problem

A valuation coming in under the contract price catches a lot of buyers off guard.

Say you've agreed to buy a place in North Lakes for a certain price. The lender sends out their own valuer, and that valuation comes back lower than what you've agreed to pay. Suddenly the loan amount the bank's willing to lend is based on their number, not yours.

It doesn't mean the deal's dead. Depending on your situation, there are a few ways through it, from a bigger deposit to a different lender's valuation. It's one of the first things I check for clients before they get too far into a contract.

Flick me a message before you sign if you want a second set of eyes on the numbers.

Address

Clontarf, QLD

Opening Hours

Monday	8am - 7pm
Tuesday	8am - 7pm
Wednesday	8am - 7pm
Thursday	8am - 7pm
Friday	8am - 7pm
Saturday	8am - 3pm

Telephone

+61400141757

Website

http://berniekyne.com.au/

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