Coastal Loans by Paul Hamilton

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Coastal Loans by Paul Hamilton

As one of Perth's leading Mortgage Brokers Paul will present you with a number of finance options an

A Mortgage Broker is a finance professional whose role it is to assist you with what will often be the biggest financial you will make in your life, buying a house. Our role is to compare the various home loans lenders in the market to help you make the right decision in selecting the right home loan. We do this by asking you a number of questions and then comparing the lenders, using our loan comparison software.

04/06/2026

💡 Mortgage Tip: Don’t set and forget your home loan…

When was the last time you reviewed your home loan?
If it's been more than a couple of years, there's a good chance your loan no longer suits your situation - or that you're paying more than you need to.

Here are a few reasons it's worth checking in:

✅ Your circumstances may have improved
When you first took out your loan, your income, savings, employment history, or overall financial position may have limited your options. As things change, you may now qualify for more competitive rates or loan products.

✅ Your home's value has likely increased
Property values across Perth and WA have risen significantly in recent years. If your property's value has grown, your loan-to-value ratio (LVR) may have dropped, which can open the door to better pricing from lenders.

✅ The market changes constantly
Lenders regularly adjust their rates, policies, and promotions. Just because a lender was competitive a few years ago doesn't mean they're still the best fit today.

A quick review could potentially save you thousands over the life of your loan.

If you already have a mortgage, it's worth asking your lender whether they can offer a better rate. Even better, give us a call and we’ll do the work for you 💃

31/05/2026

Perth housing market remains strong. Median house price up 8%, median rainfall up 800%. Experts watching both closely.🌧️🏠

27/05/2026

Tax time is here and the ATO is paying close attention this year 👀

The ATO has flagged two major focus areas for 2026 tax returns:

• Work-related deductions and expenses
• Omitted income

They’ve also warned that relying on online “tax hacks” or AI-generated advice could lead to mistakes, audits or penalties.

Remember, all income needs to be declared - including:

✔️ Interest earned
✔️ Rental income
✔️ Side hustles
✔️ Cash jobs

With the ATO increasing data matching and compliance checks, it’s more important than ever to make sure your return is accurate and your claims are legitimate.

26/05/2026

The RBA might hit pause for a while… here’s why!

Latest data has revealed that unemployment in Australia has risen to 4.5% - the highest level we’ve seen in over four years.

This will start to shift expectations around interest rates. With employment numbers unexpectedly falling in April, many economists now believe the RBA may hold off on any further rate hikes for the foreseeable future.

Financial markets have already dramatically reduced the chances of another increase in June, which could be welcome news for mortgage holders and buyers who’ve been feeling the pressure of higher repayments.

That said, the economy is still walking a fine line.

We’re seeing:
• softer employment data
• higher living costs
• global uncertainty around oil prices and inflation
• and the delayed impact of previous rate rises still flowing through households and businesses

While unemployment is still lower than pre-pandemic levels, it’s definitely something the market will be watching closely over the coming months.

For borrowers, this could mean:
✔️ more stability in interest rates
✔️ improved confidence from lenders
✔️ and potentially a better environment for buyers heading into the second half of the year

We eagerly await the decision in 2 weeks…

24/05/2026

Awesome first day at hearing from some industry greats, nationally and globally.

20/05/2026

Since the new negative gearing changes were announced, we’ve been absolutely inundated with calls, reviews, and investors wanting to understand how it could impact their borrowing power and pre-approvals.

One question we’re getting asked a lot right now is:
�“Is my investment pre-approval still valid?” ⁉️

Maybe not 😐

Previously, many lenders would use negative gearing benefits as an “add back” to help improve borrowing capacity and overall loan serviceability.

However, a number of lenders have now updated their servicing policies and are no longer factoring this in the same way.

This means some investors could see a reduction in borrowing power compared to when they were originally pre-approved.

If you’re purchasing an investment property or relying on an older pre-approval, it may be worth having your numbers reviewed sooner rather than later 📉

16/05/2026

Welcome to our latest business partner, Albosqueezy. As an industry governed by strict rules and regulations, we can't wait for somene with Albo's credibility to get to work. After all, his word is his bond!

I am sure he will share the long hours, stress and waiting around on hold dealing with offshore bank assessors.

Heck, given his relationship with ASIC, I am sure they won't have any concerns about the odd lie here and there when it comes to peoples finances.

Thankfully the policy changes made, will only help 7,500 people p/a, out of Australia's 30,000,000 population. Otherwise, we may need to recruit Chris Bowen to see if he wants to also share some of our profit.

12/05/2026

EXPLAIN TO ME…

🏡 Found your dream home before you’ve sold your current one? You’re not alone… and it’s becoming increasingly common in WA’s fast-moving property market.

Bridging finance is seeing a huge spike right now, with our industry seeing a 100%+ month-on-month growth in WA, while national demand has only jumped 16%. Why? Low stock, strong buyer demand, and homeowners wanting to secure their next home before selling their current one.

So… what exactly is bridging finance? 🤔

It’s a short-term loan that can help you buy your next home before your current property sells. It can cover:
✔️ Your existing mortgage
✔️ Your new property loan
✔️ Costs like stamp duty + fees

During the bridging period, repayments are often interest-only, which can help ease the pressure while you transition.

Once your current home sells, the sale proceeds are used to reduce the loan balance and your loan usually switches to standard principal + interest repayments.

⚠️ Things to consider:
• How quickly your current home is likely to sell
• Getting an accurate appraisal from a trusted real estate agent
• Understanding what repayments look like during the bridging period
Bridging finance can be a great tool… but it’s not one-size-fits-all. The right strategy depends on your situation.

Thinking about upgrading, downsizing or making a move? I’m always happy to chat through your options and crunch the numbers 📩💰

09/05/2026

Happy Mother’s Day to all the mums doing the impossible daily — keeping the kids happy, the house running, and us blokes constantly reminded we’re wrong 😅💐

05/05/2026

At its meeting today, the increased the cash rate by 0.25%, with the official cash rate now sitting at 4.35%!

Today’s decision reinforces the RBA’s ongoing priority to bring inflation back within its 2–3% target range.

The decision was supported by data released last week which showed inflation has continued to increase, largely due to global conflict-driven supply issues and higher fuel costs.

Want to discuss what this means for you? You know where we are!

Address

12/110 Flinders Avenue
Hillarys, WA
6025

Telephone

+61400815152

Website

http://www.coastalloans.com.au/

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