Lisa Ogilvie - All About Loans Wide Bay

Lisa Ogilvie - All About Loans Wide Bay I'll help you get a better home or investment loan at no cost to you from dozens of major lending in

Eli Waters / Lisa Ogilvie


- Hello, I’m Lisa Ogilvie, your local Mortgage Australia Broker from All About Loans Wide Bay.

- Getting your next home loan with me will be faster and easier – and you’ll end up with a much better home loan. Just like the many other people I have already helped.

- I have been a Lending Manager for Suncorp Bank for 5 years in the Fraser Coast Region. I’ve had various

roles over the last 10 years with Suncorp including, Branch Manager, Sales Consultant and Teller.

- I have a Certificate IV in Mortgage Broking and Certificate III in Finance. I can provide personal lending, equipment finance and business lending in addition to mortgage lending.

- Rest easy in the knowledge that I am part of the country’s largest broking company that organises 1 of every 10 home loans in Australia every month.

- Experience the convenience of state-of-the-art technology to objectively compare around 1,350 of the latest financial products from 31 lenders, including the Big 4 Banks.

- Deal with someone who is truly committed to the residents of Hervey Bay – I live in Hervey Bay so you can know that I’m with you for the long haul.

- I am a Member of the Finance Brokers Association of Australia and the Credit Industry Ombudsman.

- Authorised Credit Representative #486347 under ASIC regulated Australian Credit Licence 377294. Professional Indemnity Insurance against any claims up to $20,000,000. Whether you’re a first home buyer or an experienced homeowner or property investor, you need finance that is specifically suited to your needs. In Hervey Bay and surrounding suburbs, I am nearby and ready to help. If you’re looking to buy a home for your family, invest in the property market, take out finance to build a new house, obtain a reverse mortgage or anything in between, my years of experience and industry relationships will help to streamline the process. When you need a mortgage broker in Hervey Bay or nearby, using a mortgage broker like myself will reduce the time, energy and frustration spent searching for home finance. With thousands of loan options, finding the right loan can be an overwhelming task for any mortgage borrowers. I will work to save your valuable time and take the stress our of your next home loan application. By utilising your local mortgage broker’s knowledge and experience, you can ensure the loan you settle on will not only provide you with the funds you need, but fit your lifestyle. Everyone is different and this holds true when it comes to obtaining finance. If you’re in the market for a mortgage broker in Hervey Bay who can help with a traditional home purchase, or you’re seeking a professional to assist you with a specialised loan, I can help. In addition to traditional home loans, I also specialise in:
– Low doc loans
– Construction loans
– Investment loans
– Refinances
– Debt consolidations
– Commercial loans
– Personal Loans
– Vehicle and Equipment Finance

As a local Mortgage Australia Broker, maintaining a great reputation in my home suburb of Hervey Bay is crucial to the continued success of my business and my standing in my own community. If you are looking for a mortgage broker in Hervey Bay or nearby suburbs, call me today or send me a message through the form to the right of your screen, so I can help you find the home loan option that most suits your needs.

Avoid these Common Mortgage Mistakes:For many homeowners, it's easy to get caught up in all of the excitement, and stumb...
16/06/2026

Avoid these Common Mortgage Mistakes:

For many homeowners, it's easy to get caught up in all of the excitement, and stumble into one or more of these embarrassing mortgage mistakes. Unfortunately I see it very often.

Getting a Standard Variable Rate loan:

Banks love nothing more than putting customers into a Standard Variable Rate. They heavily promote the extra flexibility and offset facility. The reality is it is very rarely worthwhile for the average customer to pay the higher rate for the extra features.

Even if you have a large amount of money to put in an offset account, you could achieve much the same thing with a basic loan with a redraw facility and pay a much lower interest rate.

If you want a fully featured loan, compare the costs of these extra features to the lender's cheaper products. Or better yet, push for a liefetime discount package on the standard loan and get the best of both worlds.

Honeymoon Rates:

There's an old saying - 'if it sounds too good to be true, it probably is'. This is the best way to describe 'Introductory Rate' home loans. Don't get me wrong, there are some great offers out there, and a low rate in the first year or two can make all the difference to your weekly budget. But to avoid future pain, it's best to base your comparison on the rate that you will pay when the honeymoon is over.

Rate Rises:

Part of the loan application process is to work out what you can afford to repay, based on current interest rates. But did you consider what would happen to your budget if interest rates were to increase? Many Australians have been caught out in the past, with disastrous consequences. The best way to avoid becoming one of these cautionary tales is to be mindful of both your purchase price, and the impact that future rate rises will make on your loan repayments.

Savings Fatigue:

It was a long and difficult journey to save that deposit. You might have taken on extra work, missed out on overseas travel, avoided fine dining or sacrificed your cable TV. But now is not the time to let your hair down - especially if you haven't reached your settlement date. After you hand over the deposit, you'll still need to ensure that you can cover stamp duties, conveyancing fees and moving costs. For the unlucky few, there could even be unexpected maintenance costs after you settle. (It's funny how the hot water service always seems to hang in there until the worst possible moment). So try to keep your good money habits going a bit longer.

Don't blow the budget:

Most of us take the time to think about how much we want to spend before we start making an offer on our next home, or gesturing wildly at an auction. But sometimes we get carried away and don't want to risk missing out on our dream home. So who really wins in this scenario? The vendor and the real estate agents of course! Not the proud new home owner, who has just committed to a purchase price and mortgage that he can't really afford.

Inflexible loans:

Just like electronics and furniture, when it comes to a mortgage you get what you pay for. There are some very cheap (and nasty) options available to borrowers. Some of these might seem appealing but it's important to consider the features that you need in a loan - today and a few years down the track.

Drive away in your dream car. Contact me for a low cost carloan.
13/06/2026

Drive away in your dream car. Contact me for a low cost carloan.

Do you know the difference between how much you 'can' borrow, and how much you 'should' borrow? There might be a very bi...
13/06/2026

Do you know the difference between how much you 'can' borrow, and how much you 'should' borrow?

There might be a very big difference between how much a lender is willing to give you, and how much you can comfortably afford to repay.

So how do you work out your real 'should' borrowing capacity? Don't you want to be sure that you can afford to make the repayments on your loan?

Lenders will take into account your ability to repay the loan, based on what you earn, how many dependants you have, what your credit rating is, and your declared living expenses.

However, lenders only know what you tell them, and there are a few things you need to take into account that might not be considered by a lender when deciding on your borrowing capacity:

Job Security

How secure do you think your job is? If you've worked for the same company for several years and earn a decent wage, your lender will view this very favourably.

But have you been hearing murmurs about a possible restructure? Do you work in a department that could potentially be outsourced offshore?

You're in a much better position to assess your job security than a lender is, and you need to be realistic. If you commit to the maximum loan amount and then your role is made redundant, you might struggle to keep up your end of the bargain.

Job Satisfaction

Your excellent employment history was a definite tick for your lender, but how do you feel deep down about your job?

Have you just been hanging on until you can get finance approved? If this is the case, think carefully about how much you should borrow.

You might need to take a pay cut early on, if you decide to move into a different line of work.

Family Planning

You answered 'zero' when asked about your dependants, which contributed to the assessment your lender made when offering you a bumper loan.

But what if you were suddenly expecting a child, or if you decide to expand your family a few years down the track?

Your Lifestyle

You might be able to 'afford' the repayments on a big loan, but what happens when mother's day, your brother's birthday and your car registration all come around at once and you need some extra cash?

Or maybe you would like to take a holiday at some stage next year. Don't leave yourself short, or it's going to be a very long 25 to 30 years.

Your other goals

Would you really love to continue your studies in a few years? Do you dream of taking off for a few months to take the kids around Australia?

Don't forget about your other dreams and goals when you work out how much to borrow.

You still need to have a life, and some things are more important than having a spare room for your shoe collection.

How to avoid disappointment when downsizing:Just as many young families look to upgrade their home at some point, most o...
10/06/2026

How to avoid disappointment when downsizing:

Just as many young families look to upgrade their home at some point, most of us will eventually decide that it's time to downsize.

You might be getting closer to retirement age and feel like it's time to free up some cash, rather than having it all tied up in your assets. Perhaps you can't see the point in maintaining a 5 bedroom home just in case the grandchildren come to stay.

Some retirees decide to downsize because they want to travel more, and a low-maintenance home is a better fit. And then unfortunately there are some people who are forced to downsize for less pleasant reasons, such as financial hardship, divorce, or the death of a spouse.

Whilst downsizing might seem like the solution to all of your problems, it's not always smooth sailing. Many downsizers jump from the frying pan into the fire by making an impulse purchase without doing their research. To avoid running into trouble - make sure you consider all of these factors:

Where do you really want to live?

It might seem like a lovely idea to spend your retirement in a small country town, reading by the fire in your single bedroom cottage. But how far would you be from family and friends? Many downsizers move to their dream location, only to find that it's rather lonely and their children don't visit nearly as much as they thought.

If you decide after a couple of years that you're not happy with your decision, it might be difficult to get back into the property market closer to home. Think carefully about where you really want to be in the long term.

What amenities do you need to have nearby?

You might be in fairly good health now, but it could be a great help one day to live within striking distance of a medical centre. It's also worth investigating the distance to the nearest shops, restaurants, cinemas and recreational facilities.

What type of property do you prefer?

Do you plan to keep any of your furniture? How do you feel about growing older in a house with a spiral staircase? It's important to think about what suits you now, and into the future when it comes to choosing a property to downsize into. If you're moving from a mansion on 20 acres, you might struggle to adjust to a single bedroom townhouse.

What lifestyle are you looking for?

Do you love peace and quiet? Do you want to be surrounded by other people around your age? Think carefully about what's important to you. If you love your privacy and the sounds of nature - a little unit in a bustling retirement community might not be your ideal downsizing opportunity.

What are the real costs of downsizing?

Although you're probably looking to free up some cash, it's important to look into the costs associated with selling your property, and buying your next property.

Some retirement communities charge enormous fees, and if you choose a unit or townhouse you might be up for Owner's Corporation fees on top of your council rates.

Examine the numbers to make sure you're really saving money.

Face the future with greater certainty with a fixed rate home loan.One in five Australians taking out a home loan is now...
09/06/2026

Face the future with greater certainty with a fixed rate home loan.

One in five Australians taking out a home loan is now opting to fix their interest rate, according to a recent AFG Mortgage Index.

Not only are fixed rates proving popular in the midst of global economic uncertainty, many borrowers are cashing in on unprecedented, increased competition around fixed rate loans.

Traditionally, lenders have set fixed rates a smidge above the average variable rate. At the moment, however, many institutions are offering fixed rates below others' variable rates, prompting savvy borrowers to shop around.

The main benefit of a fixed rate is certainty. Regardless of shifts in the economic sands, your mortgage repayments stay the same, allowing you to budget with more confidence. If official interest rates rise, your mortgage repayments are unaffected. On the flip side, of course, if interest rates drop, you won't benefit.

With experts wavering on whether local interest rates will go up, down or nowhere over the next 12 months, now could be an opportune time to take advantage of special offers around fixed rates.

Some lenders, for example, are offering fixed rates at 0.8 per cent lower than the standard variable rate of other institutions. On a $300,000 loan, that equates to a $200 saving in interest each month.

Fixed rates are generally based on what the economy may do over the next three to four years, while variable rates are more aligned to the current cash rate, set by the Reserve Bank of Australia. At the moment, this is overlaid with the fact lenders are looking to drive movement in the market through competition.

Although Australia's economy is deemed very stable against the backdrop of the European debt crises and slow economic recovery in the United States, home owners have been happy to sit on the sidelines to see how it all plays out before making any decisions about buying and selling.

As a result, many financial institutions have been trying to entice us back in the game with competitive fixed rates.

As with all borrowing situations, your decisions should be based on your circumstances and financial goals. However, there are some basic pros and cons that apply to fixed rates that you should consider.

The biggest benefit of a fixed rate, is knowing exactly what your repayments will be for a set period - usually one to five years. This can be a real advantage if you are considering a career change, starting or expanding a family or have kids moving into private education, because it can ease the stress of budgeting.

On the downside, fixed rate loans tend to be more restrictive than variable ones. You usually can't make additional payments, plus lenders generally charge high break fees if you want to exit the loan during the fixed period.

If you want to tap into the benefits of both a fixed and a variable rate, consider splitting your loan so a portion of your debt is exposed to shifts in official rates - up or down - and the rest is locked into a set rate.

With official interest rates sitting at affordable levels and question marks hanging over which way they will head over the next 12 months, it's worth chatting with your local Mortgage Broker about fixed rates and what the market has to offer. It may be just the move to help you face the future with some certainty.

Is changing your job going to affect your ability to buy a new home?Approximately half the Australian workforce is consi...
07/06/2026

Is changing your job going to affect your ability to buy a new home?

Approximately half the Australian workforce is considering a job change at any one time.

Younger people are the most active in the job market with those under 30 almost twice as likely to change jobs as those aged over 40.

But did you know that lenders may not view a new job as positively as you do?

If you are thinking of buying a home or investment property, its important to get your timing right when it comes to changing your employment so it doesn't upset your plans.

But if you are considering a career change, or have recently changed jobs, by managing things properly you may not need to put your borrowing plans on hold.

To avoid problems, please check out this article - "Will the Bank be Impressed with my New Job".https://www.mortgageaustralia.com.au/email/files/willthebankbeimpressedwithmynewjob.pdf

Renovate or Evacuate? The pros and cons of renovating your home to sell.So, you've decided it's time to sell your proper...
07/06/2026

Renovate or Evacuate? The pros and cons of renovating your home to sell.

So, you've decided it's time to sell your property. Perhaps your family has grown and everyone needs some space. Or maybe the kids have left the nest and you're ready for less maintenance and more travel.

You want to get the maximum price for your property with minimum fuss. But how much work should you do to prepare your home for sale?

If you like to watch a lot of DIY shows, you might have always dreamed of doing your own renovation rescue, and raking in the profits. But how much is too much to spend? Does it really mean a better selling price if you invest your life savings in a new kitchen?

Before you run down to the hardware store, let's look at the pros and cons...



Pro - Your property will appeal to people who don't want to renovate - such as families and professional couples.

Con - Your property will not appeal to buyers looking for a project of their own, and you could alienate these potential buyers.



Pro - You will add value to the property and take advantage of the profits, rather than leaving someone else to reap the rewards.

Con - The whole thing could backfire and you could spend loads on renovating without making much on the sale of the property.



Pro - Renovating could give you a competitive edge when there are similar properties for sale in the area.

Con - Buyers might not love your purple feature walls as much as you thought they would, and your taste could drive them away.



Pro - It might be just plain necessary to do some work before you can sell your property, depending on the condition.

Con - Renovating can be a real pain in the proverbial - are you ready for mess, stress and lots of aching muscles?



So how do you decide? There's no simple answer here, I'm sorry to disappoint you! If the pros and cons have your head spinning, try speaking with a few real estate agents. They should be able to give you an idea of what work should be done to achieve the price you want.

Six Steps to becoming mortgage-free - Step 5: Don't take candy from strangers.Do you ever feel like the bills just keep...
04/06/2026

Six Steps to becoming mortgage-free - Step 5: Don't take candy from strangers.
Do you ever feel like the bills just keep coming? Are you suffering from a serious case of the budget blues, and wish you could splurge on something special every now and then?

How much difference would it make if you could pay off your mortgage five or six years ahead of schedule?

Well, there are six simple steps that you can implement now, to lower the total amount and length of your home loan.

In the past weeks, we looked at Steps 1 to 4. You saw how choosing the best possible loan product could make a big difference to your back pocket. How changing the frequency of your repayments could lower your interest. Why it makes sense to pay more off your loan whenever possible, and how to make the most of handy features like offset accounts, and redraw facilities.

Now a little warning for you - if it sounds too good to be true, it probably is.

Step 5: Don't take candy from strangers.

It might seem like a wonderful offer - "Low introductory rate for the first 12 months". If you're buying your first home, you might imagine this to be a great way to ease into home ownership without being hit too hard by the loan repayments.

But just as Christmas always comes around sooner than you think - so too does the end of the honeymoon period. For many borrowers who haven't done enough homework, this anniversary can bring very bad tidings in the form of a whopping repayment increase.

What would you do if you suddenly had to come up with an extra $400 per month? 'That's not too bad' you might say. But what if this month you also received your council rates notice, car registration, power bill and water bill? You might start to notice the difference.

Before jumping head-first into an attractive introductory rate loan, make sure you take the time to compare the 'post introduction' rate with other loans on the market. What really counts at the end of the day, is how much you will pay for the other 29 years of the loan. This is where an expensive loan product could really make an impact on your ability to achieve your financial goals.

Want to learn more about becoming mortgage free? Stay tuned for Step 6: Get a better deal - refinance your loan.

Six Steps to becoming mortgage-free - Step 6: Is the grass greener on the other side?Do you ever wonder if the grass re...
04/06/2026

Six Steps to becoming mortgage-free - Step 6: Is the grass greener on the other side?

Do you ever wonder if the grass really is greener on the other side? The question today is: are you getting the best deal on your mortgage?

How would you like to make a few small changes that could lead you on the path to becoming mortgage-free and financially fabulous?

Well, there are six simple steps that you can implement today, that will help you knock over that home loan in record time.

In the past weeks, we learned how choosing the best possible loan product could make a big difference to your back pocket. How changing the frequency of your repayments could lower your interest. Why it makes sense to pay more off your loan whenever possible, how to make the most of handy features like offset accounts, and redraw facilities, and why refusing lollies from strangers is always a good idea.

Step 6: Refinance for a better deal

The fierce and ongoing competition between lenders in the home loan market can sometimes play out like a scene from Gladiator. But the clear victor emerging from this never-ending battle is you - if you keep your finger on the pulse.

Now more than ever, it's vital that you keep assessing your financial needs and look out for opportunities to get a better deal on your loan. Even though you compared your options and secured the best deal a few years ago, that doesn't mean that your current interest rate is the best, or even close.

By refinancing with another lender you could reduce your costs, and save time. Many borrowers who refinance are able to save as much as 1% off their interest rate, which could mean paying that loan off several years earlier than planned.

If you haven't reviewed your options for a while, it pays to speak with your mortgage broker and find out if the grass really could be greener on the other side. It could make all the difference if you want to pay your loan off sooner, and keep more money in your pocket in the process.

Looking to get away but need some extra funding? Whether it's a destination wedding, a trip with the family or a last-mi...
02/06/2026

Looking to get away but need some extra funding? Whether it's a destination wedding, a trip with the family or a last-minute getaway, our team can help arrange a low rate personal loan to finance your next holiday.

Our partners offer a fast, simple process and access to funds typically within 48 hours. Don�t delay, get in touch today!

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Hervey Bay, QLD
4655

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