My Mortgage Experts - Gympie

My Mortgage Experts - Gympie 𝑀𝑂𝑅𝑇𝐺𝐴𝐺𝐸 𝐡𝑅𝑂𝐾𝐸𝑅
πŸ“πΊπ‘¦π‘šπ‘π‘–π‘’ | πΊπ‘œπ‘™π‘‘ πΆπ‘œπ‘Žπ‘ π‘‘
β€’π»π‘œπ‘šπ‘’ πΏπ‘œπ‘Žπ‘›π‘ 
β€’πΌπ‘›π‘£π‘’π‘ π‘‘π‘šπ‘’π‘›π‘‘ πΏπ‘œπ‘Žπ‘›π‘ 
β€’π‘…π‘’π‘“π‘–π‘›π‘Žπ‘›π‘π‘–π‘›π‘”
‒𝐷𝑒𝑏𝑑 πΆπ‘œπ‘›π‘ π‘œπ‘™π‘–π‘‘π‘Žπ‘‘π‘–π‘œπ‘›
‒𝑆𝑀𝑆𝐹 π‘…π‘’π‘ π‘–π‘‘π‘’π‘›π‘‘π‘–π‘Žπ‘™ & πΆπ‘œπ‘šπ‘šπ‘’π‘Ÿπ‘π‘–π‘Žπ‘™

Happy Father’s Day to all the incredible dads out there, and an extra special Happy Father’s Day to the wonderful man in...
06/09/2026

Happy Father’s Day to all the incredible dads out there, and an extra special Happy Father’s Day to the wonderful man in our lives.

Thank you for all your hard work, love and the sacrifices you make for our family. We are so lucky to have you.

If Beau grows up to be the man you are and shows his family the same love, strength and dedication that you show us, I will be incredibly proud.

We love and appreciate you more than you know. Happy Father’s Day! 🀍

PRIVATE HEALTH INSURANCE & YOUR BORROWING CAPACITY 🏑Did you know private health insurance can impact how much you can bo...
31/08/2026

PRIVATE HEALTH INSURANCE & YOUR BORROWING CAPACITY 🏑

Did you know private health insurance can impact how much you can borrow?

Many lenders assess private health premiums on top of standard household living expenses (HEM), which can reduce your overall borrowing capacity.

However, some lenders may treat private health differently and include it within general living expenses β€” potentially giving you slightly more borrowing power.

This is why lender selection matters. As your broker, I assess your individual financial position and compare lender policies to find an option that suits your circumstances.

The right lender can make a difference.

πŸ“§| [email protected]
πŸ“±| 0427 223 830

WHEN DID YOU LAST REVIEW YOUR SMSF LOAN? 🏑If it’s been 12–24 months since you last reviewed your SMSF loan, now could be...
26/08/2026

WHEN DID YOU LAST REVIEW YOUR SMSF LOAN? 🏑

If it’s been 12–24 months since you last reviewed your SMSF loan, now could be a great time to see what options are available.

The lending market is constantly changing, and the rate or product that suited your SMSF a year or two ago may no longer be the most competitive option available.

A review could help you:

β€’ Secure a more competitive interest rate
β€’ Reduce loan repayments and improve SMSF cash flow
β€’ Review whether your current loan structure still suits your fund
β€’ Understand what other lender options may now be available

Even a small difference in rate can add up over the life of an SMSF loan.

Haven’t reviewed your SMSF lending in the last 12–24 months? Let’s take a look.

πŸ“§| [email protected]
πŸ“±| 0427 223 830

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Kids & Borrowing Power 🏑Did you know having children can impact how much you can borrow?When assessing a home lo...
24/08/2026

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Kids & Borrowing Power 🏑

Did you know having children can impact how much you can borrow?

When assessing a home loan, lenders consider your number of dependants and household living expenses, alongside your income and existing debts.

This means two households earning the same income could have very different borrowing capacities based on their number of dependants.

Every lender assesses borrowing capacity differently, so finding the right lender can make a difference.

Thinking of buying or refinancing? Get in touch to find out where you stand.
πŸ“§| [email protected]
πŸ“±| 0427 223 830

Love my clients 🀍
12/08/2026

Love my clients 🀍

🏑 RBA HOLDS THE CASH RATE AT 4.35%With the RBA holding the cash rate for the second meeting in a row at 4.35%, now is a ...
11/08/2026

🏑 RBA HOLDS THE CASH RATE AT 4.35%

With the RBA holding the cash rate for the second meeting in a row at 4.35%, now is a great time for existing homeowners to review their current home loan.

While the cash rate remains unchanged, multiple lenders have already started reducing the variable rates available to new customers β€” meaning the rate you’re currently paying may no longer be as competitive as it once was.

A home loan review could help you:
β€’ Secure a more competitive interest rate
β€’ Reduce your monthly repayments
β€’ Improve your loan structure
β€’ Make better use of features such as offset accounts

πŸ“© [email protected]
πŸ“±| 0427 223 830

Contact me and I can review your existing loan and compare your options across a range of lenders.

Alana King | My Mortgage Experts

Every client’s journey is different, which is why I offer lending solutions tailored to your individual goals and circum...
06/08/2026

Every client’s journey is different, which is why I offer lending solutions tailored to your individual goals and circumstances.

Whether you’re purchasing your first home, upgrading, investing, refinancing, or looking to improve your financial position, I’m here to guide you through the process with clear advice and personalised support.

Services I can assist with include:
🏑 Home loans
πŸ”‘ First home buyers
πŸ“ˆ Investment loans
πŸ”„ Refinancing
πŸ’³ Debt consolidation
πŸ’Ό Self-employed lending
πŸš— Car, personal & equipment finance

No matter how simple or complex your situation may be, my goal is to find the right solution while making the process as straightforward as possible.

πŸ“§| [email protected]
πŸ“±| 0427 223 830

πŸ’° What is an Offset Account?An offset account is one of the simplest ways to reduce the amount of interest you pay on yo...
22/07/2026

πŸ’° What is an Offset Account?

An offset account is one of the simplest ways to reduce the amount of interest you pay on your home loan.

Here’s how it works:

🏑 Home loan: $600,000
πŸ’³ Money sitting in your offset account: $50,000

Instead of paying interest on the full $600,000, you’ll only pay interest on $550,000. The more money you keep in your offset account, the less interest you pay.

Why are they so popular?
βœ”οΈ Reduce the interest charged on your loan.
βœ”οΈ Potentially pay your home off sooner.
βœ”οΈ Keep your savings accessible whenever you need them.
βœ”οΈ Great for having your salary paid into and using for your everyday banking.
βœ”οΈ With some lenders, you can even link multiple offset accounts to the one home loanβ€”making it easy to separate your savings into different goals (such as bills, holidays or an emergency fund) while still reducing the interest on your loan.

An offset account can be a fantastic tool to help you save thousands over the life of your loanβ€”especially if you regularly keep money in your account.

πŸ“§| [email protected]
πŸ“±| 0427 223 830

πŸŒ… What is a Sunset Clause? (QLD Property Contracts)In Queensland, a sunset clause (often referred to as an Option to Ter...
17/07/2026

πŸŒ… What is a Sunset Clause? (QLD Property Contracts)

In Queensland, a sunset clause (often referred to as an Option to Terminate) is a negotiated special condition that’s commonly used when a buyer needs to sell their existing property before purchasing another.

Rather than the seller being locked into a contract for an extended period, this clause allows them to continue marketing the property while giving the buyer time to sell.

How does it work?

🏑 The buyer enters into a contract that is subject to the sale of their existing property.

πŸ“… The contract includes a sunset clause, which sets out the process if another suitable buyer comes along.

πŸ“¨ If the seller receives another acceptable offer, they can issue written notice to the first buyer (commonly giving 2–5 business days, depending on the wording of the contract).

The first buyer must then either:
βœ… Make their contract unconditional (if they’re able to); or
❌ Terminate the contract, allowing the seller to proceed with the new buyer.

A sunset clause helps strike a balance between giving buyers time to sell their home while also ensuring sellers aren’t tied up indefinitely if another opportunity arises.

As with any special condition, it’s important to have your solicitor or conveyancer explain exactly how the clause works before signing, as the wording can vary between contracts.

This information is general in nature and should not be considered legal advice. Always seek advice from your solicitor or conveyancer regarding your individual circumstances.

🏑 What is a β€œSubject to Sale” Clause?If you’ve found your dream home but still need to sell your current property, a sub...
16/07/2026

🏑 What is a β€œSubject to Sale” Clause?

If you’ve found your dream home but still need to sell your current property, a subject to sale clause may be an option worth discussing.

A subject to sale clause means your purchase is conditional on your existing property selling by an agreed date. If your property doesn’t sell within that timeframe, you may have the option to withdraw from the contract without being required to complete the purchase.

βœ… Why do buyers use it?
β€’ It can reduce the financial risk of owning two properties at once.
β€’ It gives you more confidence when upgrading or downsizing.
β€’ It may help avoid the need for bridging finance in some situations.

🀝 What does it mean for the seller?
The seller is effectively reserving their property while waiting to see if your home sells. If your property doesn’t sell by the agreed date and the condition isn’t satisfied (or extended by agreement), the contract may come to an end. The seller can then continue marketing the property and accept another buyer, meaning you’ll likely miss out on purchasing that home.

βš–οΈ Things to consider
While it offers protection for buyers, it can also make your offer less attractive to a seller. If the seller receives another offer that isn’t subject to a sale, they may prefer that offer instead. In a competitive market, this can reduce your chances of securing the property.

πŸ’¬ Before including a subject to sale clause…
Always seek advice from your solicitor or conveyancer. They can explain how the clause works, ensure it’s drafted correctly, and advise whether it’s suitable for your circumstances.

As your mortgage broker, I can also help you understand how a subject to sale contract may impact your finance options and discuss the lending solutions available before you make an offer.

Every property purchase is different, so getting advice from the right professionals before signing a contract can save you a lot of stress later.

This is general information only and should not be considered legal or financial advice. Always seek advice from your solicitor, conveyancer and lending specialist regarding your individual circumstances

Address

5 Barter Street
Gympie, QLD
4570

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+61754836111

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