Good Shot Capital

Good Shot Capital Mortgage brokers based on the Gold Coast. Specializing in owner occupied or investment home loans, refinance and motor finance.

Contact us today for a free consultation to see how we can help you acquire your finance needs.

✍️ Note to self: Don’t go house-hunting without a pre-approval.Falling for a home before knowing your budget = stress, d...
28/09/2025

✍️ Note to self: Don’t go house-hunting without a pre-approval.

Falling for a home before knowing your budget = stress, delays, and heartbreak 💔🏡.

Pre-approval means you’ll:
✨ Know exactly what you can afford
✨ Be taken seriously by sellers
✨ Move faster when the dream home appears

Save yourself the stress and keep the excitement. Ready to get pre-approved? Let’s chat today 📲

Why Payday Lenders Can Damage Your Credit and Loan ChancesPayday loans are often marketed as a quick and easy solution w...
14/09/2025

Why Payday Lenders Can Damage Your Credit and Loan Chances

Payday loans are often marketed as a quick and easy solution when money is tight. However, what many people don’t realise is that using payday lenders can have serious long-term consequences for your credit and your ability to get approved for future loans.

Here’s why:

High Costs & Debt Cycles: Payday loans come with extremely high fees and interest rates, which can quickly spiral into ongoing debt.

Red Flags for Lenders: When banks assess loan applications, they review your bank statements. Regular use of payday lenders signals financial stress, making you look like a higher-risk borrower.

Reduced Borrowing Capacity: Even if you make your repayments, many lenders will either decline your application or reduce how much they’re willing to lend if payday loan activity shows up.

Credit Score Impact: Some payday lenders report to credit bureaus. Any missed or late repayments will drag down your credit score and harm your future borrowing power.

In short, payday loans can do more damage than good. If you’re short on cash or need debt solutions, there are safer and smarter options available.

Before turning to a payday lender, speak to me first. I can help you explore affordable lending options that won’t damage your credit or your chance of getting approved in the future.

5 Key Factors that Lenders considerCredit Score – A numerical rating that reflects your history of managing credit; high...
12/08/2025

5 Key Factors that Lenders consider

Credit Score – A numerical rating that reflects your history of managing credit; higher scores suggest lower lending risk.

Income Stability – Consistent income over time reassures lenders of your ability to make regular loan payments.

Debt-to-Income Ratio (DTI) – Measures how much of your income goes toward existing debt; a lower ratio indicates better capacity to take on new debt.

Employment History – A steady job record, especially with the same employer, signals reliability and financial stability.

Loan Amount – The size of the loan requested is assessed against your income and credit profile to determine affordability and risk.

Ready to take the next step? Get in touch now for your pre-approval!
09/07/2025

Ready to take the next step? Get in touch now for your pre-approval!

Here are 3 practical ways to get the best mortgage rate:1. Improve Your Credit ScoreSome lenders offer the best rates to...
03/06/2025

Here are 3 practical ways to get the best mortgage rate:

1. Improve Your Credit Score

Some lenders offer the best rates to borrowers with high credit scores (typically 740+).
Tips to boost it:
• Pay bills on time
• Pay down credit card balances
• Avoid new credit inquiries before applying

2. Increase Your Down Payment

A larger down payment (20% or more) reduces the lender’s risk and can sometimes unlock lower interest rates. It will also help you avoid paying lenders mortgage insurance (LMI).

3. Shop Around and Negotiate

Don’t settle for the first offer. Compare quotes from at least 3–5 lenders (GSC will do the leg work for you show you your best rates).

Let me know if you want mortgage rate tips tailored to your country or situation (e.g., first-time buyer, self-employed, etc.).

A personal loan can help consolidate your debt by combining multiple debts (such as credit card balances, medical bills,...
14/04/2025

A personal loan can help consolidate your debt by combining multiple debts (such as credit card balances, medical bills, or other loans) into one single loan. Here's how it works:

Apply for a Personal Loan: You apply for a personal loan from a bank, credit union, or online lender. Depending on your creditworthiness, you may receive a loan with a fixed interest rate.

Pay Off Existing Debts: Once you receive the loan, you use the funds to pay off your existing debts. This means you’re essentially replacing multiple loans or credit card balances with one loan.

Single Monthly Payment: Instead of managing multiple payments to different creditors, you’ll now only have one monthly payment to make, which can simplify budgeting and reduce stress.

Lower Interest Rate: If you qualify for a loan with a lower interest rate than your current debts, you may save money over time by paying less interest on the consolidated amount.

Fixed Terms: Personal loans often come with fixed repayment terms (e.g., 3 to 5 years), allowing you to know exactly how long it will take to pay off your debt.

This process can be helpful for people looking to streamline their finances, reduce their interest rates, and get out of debt more efficiently.

However, it’s important to ensure that the terms of the new loan are favorable and that you avoid accumulating more debt during the repayment period.

Do you know how much you can borrow before starting your home search? Getting pre-approved for a loan is an important fi...
19/12/2024

Do you know how much you can borrow before starting your home search? Getting pre-approved for a loan is an important first step, and we can guide you through the process. We’ll assess your financial situation, calculate how much you can comfortably borrow, and compare lenders to make sure you’re getting the best deal. Knowing your borrowing power gives you a strong foundation to negotiate with confidence.

Cash flow is a constant challenge for many small to medium businesses. There are many reasons companies run into a cash ...
02/12/2024

Cash flow is a constant challenge for many small to medium businesses. There are many reasons companies run into a cash flow crunch – it could be slow-paying customers or seasonal sales fluctuations. Whatever the cause, a cash flow crunch can be a threat to business growth and survival.

While there are long-term solutions, including improving accounts receivable processes, they won’t help with urgent cash flow problems.

Unsecured business loans have become a popular option for solving business cash flow shortages for many good reasons. These include the speed and ease of obtaining an unsecured business loan compared to traditional term loans.

If business cash flow is holding you back, get in touch to discuss the solutions available.

0455 739 254
[email protected]

- Purchasing a Home: Upfront Costs -Transfer/Stamp Duty: State/territory tax on property purchases, based on property va...
06/11/2024

- Purchasing a Home: Upfront Costs -

Transfer/Stamp Duty: State/territory tax on property purchases, based on property value and location. First-home buyer discounts may apply.

Pest, Building, & Strata Reports: Inspections to uncover issues like termites or structural concerns; strata reports assess the condition of apartments or townhouses.

Legal/Conveyancing Fees: Paid to a solicitor or conveyancer for managing legal aspects like title searches and contract reviews.

Mortgage Registration Fee: Government fee for securing the lender’s legal rights on the property’s title.

Land Tax & Title Registration: Land tax applies annually on certain properties. Title registration is a one-time fee to record the new owner on the title.

- Refinancing a Home Loan: Upfront Costs -

Mortgage Registration Fee: Covers re-registering the mortgage with the new lender.

Exit Fees: Charges for closing a loan early, mostly with older loans.

Break Fees: Fees for ending a fixed-rate loan term early, often based on market interest rate shifts.

These are key costs to budget for in both new purchases and refinances.

Reach out so you know exactly what costs are involved and avoid being blindsighted.

Address

Gold Coast, QLD

Opening Hours

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

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