Fast Funding

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Fast Funding https://fastfunding.com.au/links/ Fast Funding was established in 2009 to provide a non-bias and easy to use source of financial information and advice.

With over 18 years experience in the financial industry and a specialist knowledge of mortgage brokering our Director Joseph Ghoussain understood the needs of a financial service client. By combining professional experience with a passion for premium customer service we created a unique but accessible business service for clients from all backgrounds and industries. At Fast Funding we pride ourselves on our bespoke service, which allows you the customer to be in control of your financial decisions and we endeavor to keep you involved in every step of the process. Our policy is simple; we understand our clients.

"Super fast and successful process." Thank you, Dali.Every client gets the same thing: all the options on the table, kep...
17/10/2026

"Super fast and successful process." Thank you, Dali.

Every client gets the same thing: all the options on the table, kept in the loop the whole way, then you make the call.

Buying, refinancing or just want a second opinion on your loan? That's what I do for Gold Coast clients every week.

What matters most to you in a mortgage broker: speed, options, or being kept in the loop?

Send this to someone who's about to start looking at home loans.

Book via link in bio, or call (07) 5538 8334.

14/10/2026

Parents gifting your deposit? The bank will ask for this.

First home buyers: yes, lenders accept gifted deposits. They just want proof it's a gift.

What lenders usually look for: - A signed gift letter saying the money is a gift, not a loan - The money sitting in your account for a while first - Some genuine savings of your own

Every lender's rules are different, so check before you sign a contract, not after.

Save this for when the family conversation happens.
Where's your deposit coming from: savings, a family gift, or a bit of both?

Send this to someone whose parents are helping them buy.
Using a gift for your deposit? DM me and I'll take a look. Book via link in bio, or call (07) 5538 8334.

General information only, not personal financial advice. Source: Finder, Using a gifted deposit (updated 28 Sep 2026).

13/10/2026

Selling? Ask your lender this before you list.

"Can my loan move with me?"

Gold Coast homeowners upsizing or downsizing: it's called portability, or a security swap. You keep your loan and change the property it's secured against.

Why it matters: on a fixed rate, it may help you avoid break costs.
The fine print: - Not every loan has it - The new property usually needs to be worth the same or more in the lender's eyes - Some lenders want both settlements within 90 days of each other
Ask before you list, not after you sell.

What's next for you: upsizing, downsizing, or staying put?
Send this to someone who's thinking about selling.

Want me to check what your loan allows? DM me and I'll take a look. Book via link in bio, or call (07) 5538 8334.

General information only, not personal financial advice. Source: yourmortgage.com.au, Home loan portability (Sep 2024).

12/10/2026

Saved your deposit? You’re not done yet.

Gold Coast first home buyers, this is the stuff nobody tells you until you’re at the contract stage.

On top of your deposit you may need:
- Transfer duty (stamp duty), unless a concession applies to you
- Lender and government fees
- LMI if your deposit is under 20%
- A conveyancer, plus building and pest inspections
- Home insurance and settlement adjustments

Then there’s holding it. Slide 6 is the checklist of what keeps coming after you get the keys.

Save this so it’s there when you start looking.
Which one caught you off guard: stamp duty, the fees, or the ongoing bills?

Send this to a friend who’s saving for their first home.

Want your full upfront number before you start looking? DM me and I’ll take a look. Book via link in bio, or call (07) 5538 8334.

General information only, not personal financial advice. Sources: Queensland Revenue Office (Transfer duty); Canstar; Finder.

Lower repayments by stretching your loan? Know the trade-off.If repayments are tight, changing your loan terms is one of...
07/10/2026

Lower repayments by stretching your loan? Know the trade-off.

If repayments are tight, changing your loan terms is one of the options a lender may talk to you about. A longer term lowers each repayment because the loan is spread over more years.

The catch is more years of interest. As the University of Sydney's Andrew Grant told SBS News in 2023, it "would ultimately mean paying more interest over the life of the loan."

Would you trade a lower repayment for a longer loan: yes, no, or only for a short time?

Send this to someone who's thinking about stretching their loan.

Weighing it up? DM me and I'll take a look. Book via link in bio, or call (07) 5538 8334.

General information only, not personal financial advice. Sources: moneysmart.gov.au; SBS News, 7 Mar 2023.

06/10/2026

Your savings could be cutting your mortgage interest.

Interest on most home loans is calculated daily. An offset account takes its balance off your loan before interest is worked out. Moneysmart's example: a $750,000 loan with $50,000 in offset means interest is charged on $700,000.

The catch: some lenders charge for an offset through a higher rate, fees, or both. It's worth comparing the cost with the interest you'd save.

Where do your savings sit right now: offset, savings account, or redraw?

Send this to someone with savings sitting in a separate account.

Not sure your offset is set up right? DM me and I'll take a look. Book via link in bio, or call (07) 5538 8334.

General information only, not personal financial advice. Source: moneysmart.gov.au, Mortgage offset accounts.

Repayments tight? You have the right to ask for help.Gold Coast homeowners: the RBA lifted the cash rate to 4.60% on 29 ...
05/10/2026

Repayments tight? You have the right to ask for help.

Gold Coast homeowners: the RBA lifted the cash rate to 4.60% on 29 September 2026. If your lender passes that on, variable repayments can go up.

If it's getting hard to keep up, every lender has a hardship team. You can ask to change your loan terms, or to pause or reduce your repayments for a while. Your lender must give you its answer in writing within 21 days.

Slide 5 is the checklist of what to have ready before you call. Save it so it's there when you need it.

Free financial counselling: National Debt Helpline, 1800 007 007.

If repayments got tight, what would you do first: call the bank, cut spending, or talk to a broker?

Send this to someone who's been stressed about their mortgage since the rate rise.

Not at that point but feeling the squeeze? DM me and I'll take a look. Book via link in bio, or call (07) 5538 8334.

General information only, not personal financial advice. Sources: RBA media release 2026-27 (29 Sep 2026); moneysmart.gov.au.

"I've never met someone who works as hard for their clients as Joe."This is the part of the job that doesn't fit in a ra...
30/09/2026

"I've never met someone who works as hard for their clients as Joe."

This is the part of the job that doesn't fit in a rate comparison. Thank you, Stephanie.

Book a free loan review via the link in bio, or call (07) 5538 8334. It's a free 15-minute conversation, no obligation.

Sitting on an old home loan? Here's the 3-step fix.The RBA announces its decision tomorrow at 2:30pm. Whatever it does, ...
28/09/2026

Sitting on an old home loan? Here's the 3-step fix.

The RBA announces its decision tomorrow at 2:30pm. Whatever it does, this is worth saving.

Most people put off a refinance because it sounds like a mountain of paperwork. It doesn't have to be. Here's the 3-step process we walk clients through.

1. Know what you've got now. Grab your latest loan statement. Note your rate, whether it's fixed or variable, when any fixed term ends, and which features you actually use.

2. Compare the whole loan, not just the rate. Look at the comparison rate, fees, offset, redraw and flexibility. Then count the cost of switching: discharge fees, break costs if you're fixed, new lender fees, government fees, and LMI if you borrow over 80%. If the savings don't clearly outweigh the costs, it can wait.

3. Let a broker do the legwork. We compare options across our lender panel, handle the paperwork and keep things moving to settlement.

Send this to someone who hasn't looked at their loan in years. Book a free loan review via the link in bio, or call (07) 5538 8334.

General information only. It doesn't consider your objectives, financial situation or needs.

A 15-minute conversation. That's all a loan review takes. No cost, no obligation - if you're already on a good deal, we'...
25/09/2026

A 15-minute conversation. That's all a loan review takes. No cost, no obligation - if you're already on a good deal, we'll tell you that too.

Call us today on (07) 5538 8334 for your free loan review - or link in bio if you'd rather book a time.

Address

Gold Coast, QLD

Opening Hours

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

Telephone

+61755388334

Website

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