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30/09/2026

Exciting news for those that haven't held property in the last 10 years! 🏡

The First Home Buyers Scheme applies to you.

With no income limits and an increased cap on homes in QLD, from $700k to $1M, plus, no LMI with just a 5% deposit, here's everything you need to know.


Here's exactly how much income you would have to earn to buy the $620,000 apartment here on the Gold Coast. Swipe to see...
28/09/2026

Here's exactly how much income you would have to earn to buy the $620,000 apartment here on the Gold Coast.

Swipe to see exactly how much it is... Does that number surprise you?


25/09/2026

Here’s how we helped one of our clients buy their first property at 20 without having to touch their savings.

Most people think you need a big deposit in the bank. Not always true.

I used a family guarantor strategy for her.

It meant she could buy a place worth about $500,000, much sooner than others her age.

Her loan was about $740 a week at the start. It has gone down as she has paid it off.

The place rents for about $550 a week.

So she was out of pocket by under $200 a week to hold a half-million-dollar asset.

Of course, it has grown in value over time.

Now she can use the equity in that home, not her savings, to buy her second investment this year.

Because she didn’t pour all her cash into the deposit, she still has savings for a holiday.

You don’t always need years of savings to get into the market. It’s about the right people and the right plan.


23/09/2026

Change where your money sits.

Park income in an offset so interest hits a smaller balance all month.

Same income. Same house. Different outcome.


How do you lower your monthly mortgage payment without refinancing? Recast it. Take that lump sum, call your bank, and s...
21/09/2026

How do you lower your monthly mortgage payment without refinancing?

Recast it. Take that lump sum, call your bank, and say: I want to pay down the principal and recast.

They’ll take the lump sum, re-amortise the loan, and lower your monthly payment as if you had put that money down at the start.

It’s a simple way to cut your monthly burden.


If you get a lump sum (bonus, inheritance, or an asset sale), pay it to your principal and ask your lender to re‑amortiz...
18/09/2026

If you get a lump sum (bonus, inheritance, or an asset sale), pay it to your principal and ask your lender to re‑amortize the loan.

Same rate. Same payoff date. Lower required payment.

Most lenders charge a small flat fee ($200–$500).

Not all loans allow it, so check first. This is the move homeowners who are switched on use when they come into cash and don’t want to give up their current rate.

Questions about your loan? DM us.


16/09/2026

In Australia, turning your main residence into an investment property can offer significant tax benefits, including the six-year main residence exemption.

This allows you to sell the property without paying capital gains tax within that period, provided you don’t declare another main residence.

Watch to learn more.


14/09/2026

Here is the breakdown:
- Stamp duty: about $24,700
- 5% deposit: about $35,000
- Inspections and legal: about $3,300 (If your parents have strong equity, they may act as a guarantor.)

This can mean:
- No deposit from you
- No stamp duty paid out of pocket
- The bank funds 100% of the price and all costs.

This is how many get into the market sooner than they think.

If you want to see if this could work for you, reach out.


At 6% on a $1,000,000 principal-and-interest loan, your repayment is about $6,000 a month (around $72,000 a year). That ...
11/09/2026

At 6% on a $1,000,000 principal-and-interest loan, your repayment is about $6,000 a month (around $72,000 a year).

That payment stays the same. The offset only changes the interest. The bank works it out daily. With $0 in offset, about $60,000 is interest, so about $12,000 goes to principal. Put $100,000 in the offset for the full year, and you’re charged on $900,000, not $1,000,000. Interest drops to about $54,000, so about $18,000 goes to principal.

Key point: an offset doesn’t lower your repayment.

It lowers your interest each day, so more of the same payment pays down the loan faster. Make sense now?


Many buyers focus on getting approved, then let emotion take over when they find the perfect property. That's when budge...
25/08/2026

Many buyers focus on getting approved, then let emotion take over when they find the perfect property. That's when budgets get stretched, corners get cut, and long-term financial stress can begin.

The goal isn't just to own a home. It's to enjoy owning it without unnecessary financial pressure.


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Gold Coast, QLD
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