The Loans Genie

08/10/2026

🏠 We’re back to being 100% mobile!

Our lease at 1/156 Boat Harbour Drive, Pialba has come to an end, and we’re grateful to be moving on. The office had ongoing leaks whenever it rained, and after the flood, it stayed wet for weeks. It’s been a challenging space, so we’re glad to be heading back to our original home office setup.

We’ll now meet you where it suits you—at home, at work, or somewhere convenient around Hervey Bay. No office visit needed!

Thanks for your understanding and continued support. We look forward to helping you with your home loan, refinancing and finance needs.

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 100% mobile across Hervey Bay & surrounding areas.

#1/156BoatharbourDrPialba

30/09/2026

📊 “Does my credit score actually matter when getting a home loan?”

Yes — your credit history is one part of the bigger picture lenders consider.

Your credit report can contain information about your credit history, including credit applications and repayment history.

And here's the thing…

You don't want to discover a problem with your credit file after you've found your dream home.

🚨 Before applying for a home loan, it can be worth checking your credit report and making sure the information is accurate.

Moneysmart says Australians can access their credit report for free, and you have a right to obtain a copy every three months.

And if you've had:

• Missed repayments
• Defaults
• Old debts
• Multiple credit applications
• Credit cards or personal loans

don't panic.

It doesn't automatically mean “no home loan.”

Different lenders have different policies, and your overall circumstances matter.

The important thing is to be upfront about your situation so we can work out what options may be available.

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy’s).
Serving Hervey Bay & surrounding areas.

28/09/2026

🍔☕📱 Will the bank really look at what I spend my money on?”

Yep. This is a BIG one.

When assessing a home loan, lenders don't just look at your income.

They also look at your financial commitments and living expenses to work out whether you can comfortably afford the proposed loan.

That means things like:

🏡 Rent or existing mortgage
🚗 Car expenses
🛒 Groceries
💡 Utilities
📱 Subscriptions
💳 Credit cards
👨‍👩‍👧 Family expenses
🎉 Discretionary spending

can all form part of the overall picture.

And no, we're not here to judge your weekend takeaway habit! 😂

Our job is to understand your actual financial position and make sure the application accurately reflects your circumstances.

One important tip:

Don't suddenly try to make your bank statements look “perfect” just before applying.

Be honest about your spending and let us work with the numbers.

Sometimes there are simple things that can be cleaned up or explained. Other times, your existing commitments may affect how much you can borrow.

The sooner we know the full picture, the better we can help.

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy’s).
Serving Hervey Bay & surrounding areas.

25/09/2026

🔑 Should you get home loan pre-approval BEFORE you start looking at houses?

Our answer?

Absolutely worth considering!

Imagine finding your dream home…

You make an offer…

And THEN discover the bank won't lend you enough.

😩 Nightmare.

Pre-approval can help you understand your borrowing position before you get emotionally attached to the house with the perfect kitchen!

It can help you:

🏠 Set a realistic property budget
💰 Understand your borrowing capacity
📋 Know what documentation you'll need
🔍 Shop with more confidence
🤝 Show agents you're serious about buying

Pre-approval isn't the same as unconditional loan approval, and it doesn't mean every property will automatically be approved.

But it can be a really useful step in the buying process.

Moneysmart notes that pre-approval generally lasts around 3–6 months, depending on the lender, and allows you to understand an affordable price range before you buy.

So before you start scrolling through realestate.com.au at 11pm dreaming about houses you might be able to afford…

Let's work out the numbers first! 😂

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy’s).
Serving Hervey Bay & surrounding areas.

23/09/2026

💰 “So… how much can I actually borrow?”

This is usually one of the FIRST questions we get from people thinking about buying.

And unfortunately, there's no magic calculator that gives everyone the same answer.

Your borrowing capacity can depend on things like:

✔ Your income
✔ Your regular living expenses
✔ Credit cards and their limits
✔ Personal loans
✔ Car loans
✔ HECS/HELP debt
✔ Existing home loans
✔ Number of dependants
✔ Your deposit and savings
✔ The lender's assessment criteria

And here's something many buyers don't realise…

Two people earning exactly the same salary can have very different borrowing capacities.

Why?

Because their expenses, debts and financial commitments can be completely different.

That's why simply asking, “What's the maximum the bank will lend me?” isn't always the best question.

A better question is:

👉 “What can I comfortably afford to borrow?”

Because getting approved for the biggest possible loan isn't necessarily the same thing as getting the RIGHT loan.

At The Loans Genie, we can work through your numbers, compare lender options and help you understand your realistic borrowing position before you start house hunting.

That way, you're shopping with a budget — not a guess.

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy’s).
Serving Hervey Bay & surrounding areas.

21/09/2026

🏠 Do I really need a 20% deposit to buy a home?

This is probably one of the biggest myths we hear from home buyers!

The short answer? Not necessarily.

While a 20% deposit can help you avoid Lenders Mortgage Insurance (LMI), there are situations where you may be able to buy with a much smaller deposit.

For eligible buyers, government schemes may also help reduce the deposit needed. For example, the Australian Government 5% Deposit Scheme allows eligible first home buyers to purchase with a minimum 5% deposit, with different rules applying to eligible single parents or legal guardians.

But here’s the important part 👇

Your deposit isn't the ONLY thing the bank looks at.

Lenders also consider:
✔ Your income
✔ Your existing debts
✔ Your living expenses
✔ Your employment
✔ Your credit history
✔ The property you're buying
✔ Your overall ability to afford the repayments

And remember — you also need to allow for the other costs involved in buying a property.

So if you're sitting there thinking:

💭 “I don't have $100,000 saved… I can't buy.”

Don't automatically count yourself out.

There may be options you haven't considered yet.

At The Loans Genie, we can look at your individual situation and work out what pathways may be available.

Don't wait until you've saved 20% to have the conversation.

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy’s).
Serving Hervey Bay & surrounding areas.

21/09/2026

📍 Did you know you can check in when you visit The Loans Genie?

If you’ve been into our office for a home loan appointment, refinance review, investment loan or just a chat about your finance options, we’d love it if you checked in on Facebook while you’re here! 😊

It’s a simple little thing, but it helps other local people discover our business and lets your friends and family know where you’ve been getting your finance sorted. 🏡💰

So next time you’re visiting us at 1/156 Boat Harbour Drive, Pialba, pop a Facebook check-in on your post and tag The Loans Genie. 📍

And if you’ve already had a great experience with us, a Facebook recommendation or review is always very much appreciated too. ❤️

Local business. Local people. Local service.

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy’s).
Serving Hervey Bay & surrounding areas.

Discover tailored home loan solutions with The Loans Genie. Our expert brokers guide you to find the best mortgage options, saving you time and money. Get personalised financial advice and start your journey to owning your dream home today

16/09/2026

Buying a home isn't something that happens overnight… it's a process. 🏡

One of the biggest mistakes we see is buyers waiting until they've found the perfect property before speaking to a mortgage broker.

The best time to start your home loan journey? Before you start house hunting.

Here's why:
✅ Understand exactly how much you can borrow.
✅ Identify any issues with your credit or finances early.
✅ Work out how much deposit you'll need (it may be less than you think!).
✅ Learn about grants and schemes you may be eligible for.
✅ Get pre-approval in place so you can make an offer with confidence.
✅ Avoid the disappointment of falling in love with a home that's outside your budget.

Getting home loan ready can take days, weeks, or even a few months depending on your circumstances. The earlier you start, the more options you'll have and the less stressful the process becomes.

At The Loans Genie, we'll guide you through every step—from your first questions right through to settlement—so when the right property comes along, you're ready to act.

Thinking about buying in the next 6–12 months? Now is the perfect time to start the conversation.

Got Questions? We've Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy's).
Serving Hervey Bay & surrounding areas.

13/03/2026

🏡 New Government “Help to Buy” Scheme – Buy a Home with as Little as 2% Deposit!

Great news for first home buyers in Hervey Bay and across Australia! The Australian Government has launched the Help to Buy program to make getting into the property market easier than ever.

Here’s how it works:
✅ Buy with as little as a 2% deposit
✅ The Government can contribute up to 30% for existing homes or up to 40% for new homes
✅ This reduces the size of your loan and can make repayments more affordable
✅ Available for eligible buyers earning up to $100,000 (single) or $160,000 (couples/single parents)

The scheme is designed to help thousands of Australians who can afford repayments but struggle to save a large deposit. Over the next four years, it’s expected to help up to 40,000 households enter the housing market.

If you’ve been thinking about buying your first home in Hervey Bay or the Fraser Coast, this could be the opportunity that gets you into the market sooner.

✨ At Loans Genie, we can:
• Check if you qualify for the Help to Buy scheme
• Work out your borrowing power
• Guide you through the application process
• Find the right home loan for your situation

📩 Send us a message today or book a free chat to see if Help to Buy could help you get into your own home sooner.

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy’s).
Serving Hervey Bay & surrounding areas.

13/03/2026

🏠 Dreaming of your first home in sunny Hervey Bay? The Australian Government’s Help to Buy shared-equity scheme makes it easier than ever with a minimum 2% deposit and up to 40% government equity contribution on new homes (30% on existing).

Key perks for locals:
• Smaller deposit and lower repayments since the government covers part of the purchase price—no interest or rent on their share.
• Queensland regional price cap up to $700,000—covering plenty of options here in Hervey Bay and surrounds.
• Eligibility: Australian citizen 18+, income under $100k individual/$160k joint or single parent, no current property ownership, and live in the home as your principal residence.

At The Loans Genie, we’re Hervey Bay experts helping you check eligibility, find participating lenders, and structure the perfect loan to buy back the government’s share over time.

DM us or comment “HELP TO BUY” for a free eligibility check and chat—no obligation, just real local advice to get you home sooner!

Got Questions? We’ve Got Answers!
📞 07 4183 7117
📧 [email protected]
🌍 www.theloansgenie.com.au
📍 Visit us at 1/156 Boat Harbour Drive, Pialba (right across from Dan Murphy’s).
Serving Hervey Bay & surrounding areas.