Bernard Kyne - Mortgage Consultant

Bernard Kyne - Mortgage Consultant 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.

Three things that quietly reduce your borrowing capacity - and most people don't connect them to their home loan.1. Buy ...
17/06/2026

Three things that quietly reduce your borrowing capacity - and most people don't connect them to their home loan.

1. Buy Now Pay Later accounts
Afterpay, Zip, Klarna - even a zero balance gets counted as a liability by some lenders. The available limit is what they look at.

2. Credit card limits
Not the balance. The limit. A $15,000 credit card you rarely use can still reduce what you're approved for.

3. Subscriptions and recurring payments
Lenders look at your actual spending through bank statements. A lot of small charges add up to a pattern they don't love.

None of these are deal-breakers on their own.
Together, they can meaningfully change your number.

There's something about a Queensland winter that makes people want to get their life sorted.Maybe it's because the weath...
16/06/2026

There's something about a Queensland winter that makes people want to get their life sorted.

Maybe it's because the weather is actually nice.

You're not hiding inside. You're out. You're thinking.

June up here has a clarity to it.

If you've been meaning to look at your finances - your loan, your rate, your options - a mild June morning is actually a pretty good time to do it.

Just saying.

Self-employed? Your FY26 tax return is about to become part of how lenders assess your income.Most lenders want the last...
15/06/2026

Self-employed? Your FY26 tax return is about to become part of how lenders assess your income.

Most lenders want the last two years of tax returns for self-employed borrowers.

When your FY26 return is lodged, it becomes your most recent year - and that shifts the picture.

If it was a strong year: make sure it actually reflects that. The way income is documented matters.

If it was a quieter year: worth knowing how that lands with lenders before you apply, not during.

EOFY is when your income story for the next 12 months gets written.

If you're thinking about buying or refinancing in the second half of 2026 - the time to think about this is now.

Happy to talk through how your income situation looks to lenders before you apply.

Unpopular opinion: the property market is never going to feel 'safe enough' to buy in. And that's fine.There will always...
14/06/2026

Unpopular opinion: the property market is never going to feel 'safe enough' to buy in. And that's fine.

There will always be a reason to wait.

Rates are too high.
Prices are too high.
The economy is uncertain.
An election is coming.
A rate decision is due.

The market has always had something wrong with it - and people have always bought anyway.

The ones who wait for certainty tend to wait a very long time.

The better question is whether YOUR situation is ready - not whether the market feels comfortable.

Why did the mortgage broker bring a ladder to work? Because their clients always wanted a better rate...I'll see myself ...
13/06/2026

Why did the mortgage broker bring a ladder to work? Because their clients always wanted a better rate.
..I'll see myself out.

Happy Saturday. 😄

Seriously though - if your rate hasn't been reviewed in the last 12 months, there's a decent chance a ladder would actually help.

(That was a metaphor. Message me instead.)

If you want your rate actually reviewed - rather than just a dad joke - message me.

Your offset account is either working hard for you or it's basically decorative. Here's how to tell.An offset account re...
12/06/2026

Your offset account is either working hard for you or it's basically decorative. Here's how to tell.

An offset account reduces the interest on your mortgage daily - based on whatever balance is sitting in it.

If your loan balance is $500,000 and you have $20,000 in offset, you're only paying interest on $480,000.

That's real money.

But here's where people often get it wrong:
→ Keeping the offset empty because 'it feels like savings'
→ Not knowing whether their loan even has a proper offset (some 'offset' accounts are actually redraw — different product)
→ Splitting cash across multiple accounts when it should all be in one place

If your offset account has a rounding-error balance in it, it may not be working.

Mislinking offset accounts is a known industry issue.

Not sure if your offset is set up right? I can take a look.

Be honest - how well do you actually understand your current home loan?Most homeowners know their repayment amount and r...
11/06/2026

Be honest - how well do you actually understand your current home loan?

Most homeowners know their repayment amount and roughly what their rate is.

But when it comes to:
→ Whether their offset account is set up correctly
→ What their comparison rate actually is
→ Whether the loan package they're on still makes sense
→ What it would cost to leave
..things tend to get blurry.

Lenders aren't exactly falling over themselves to explain this stuff.

Rate: A / B / C / D — how well do you actually know yours? 👇

Myth: you need a perfect credit score to get a home loan.Not true.Lenders look at your credit history - but 'perfect' is...
10/06/2026

Myth: you need a perfect credit score to get a home loan.

Not true.

Lenders look at your credit history - but 'perfect' isn't the goal.

What actually matters:
→ No recent defaults or serious black marks
→ No pattern of missed payments
→ Not too many credit enquiries in a short period

A few dings from years ago? Usually fine.
Recent defaults? Harder but sometimes still workable depending on the lender.

Knowing where your credit file actually stands — before you apply — means no nasty surprises.

You can check your score for free. Worth doing.

A friend recently spent months searching for a property in the suburb he wanted to call home.The location was perfect. I...
09/06/2026

A friend recently spent months searching for a property in the suburb he wanted to call home.

The location was perfect. It was close to work, close to family, and had everything he wanted from a lifestyle perspective. The only problem was the price.

Every property he looked at felt just out of reach.

For a while, he assumed the answer was to keep saving and wait. But the longer he watched prices climb, the more he realised he might be asking the wrong question.

Instead of focusing on where he wanted to buy, he started thinking about where he could buy.

That shift changed everything.

Rather than delaying his property plans altogether, he purchased an investment property in a more affordable area while continuing to rent where he actually wanted to live.

It's a strategy more Australians are considering as housing affordability challenges reshape the way people approach property ownership.

This approach, known as rentvesting, allows buyers to separate where they live from where they invest. By renting in a location that suits their lifestyle and purchasing property in an area that better fits their budget, many Australians are finding a practical way to enter the market sooner while still working towards long-term wealth creation. Here's how rentvesting works, why it's becoming more popular, and what you should consider before deciding if it's right for you.

Read more here:
https://www.mortgage-express.com.au/resources/investment-lending/why-more-australians-are-rentvesting

The most common question I get in June, every year without fail.'Is it too late to do anything before EOFY?'Short answer...
08/06/2026

The most common question I get in June, every year without fail.

'Is it too late to do anything before EOFY?'

Short answer: probably not.

Longer answer: it depends entirely on where you're at.

Some things — like getting pre-approval started, or checking First Home Guarantee eligibility — can move reasonably quickly.

Other things need more runway.

The only way to know which bucket you're in is to have the conversation.

Message me and I'll give you a straight answer about what's actually possible in your timeframe.

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

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