Coastal Loans by Paul Hamilton

07/09/2026

🏡 Feeling the pressure from your home loan, credit cards or car loans?

Sometimes you don’t need a complete financial overhaul… you just need a little breathing room.

If your repayments are becoming difficult to keep up with, refinancing could be worth considering. It may allow you to consolidate debts and smooth out your repayments, giving you some space to get things back on track.

👉 And no - the goal isn’t to pay off your credit card or car loan over 30 years!

For some people, refinancing can be a short-term strategy - giving you 6 months (or whatever timeframe is appropriate) to get your finances organised, then focus on paying the extra debt down faster.

With a suitable variable-rate home loan, you may also have the flexibility to make additional repayments without penalty, helping you get ahead once things settle down.

💬 Don’t wait until the repayments become overwhelming.
Let’s have a conversation about your options and see whether refinancing could give you the breathing room you need.

📩 Send me a message today, sometimes a little space can make a big difference.

***Lending criteria, fees, charges and eligibility apply. Refinancing may extend the term of your debt and increase the total interest paid. Consider whether this strategy is appropriate for your circumstances.

03/09/2026

What a ride! 🥂 20 years as your local mortgage broker!

Two decades of helping people navigate some of the biggest decisions of their lives.

20 years in this industry has taught me a lot. I’ve poured my heart and soul into my business, backed my clients through the highs, the lows and everything in between, and the clearest thing after all this time?

I bloody love what I do. ❤️

A special thank you to my legendary colleague Fi, who has been such an important part of the journey, and to my wonderful wife Erica for her endless support through it all.

To every single person who has trusted me over the years - whether it was your first home, your fifth, a refinance, an investment or simply some advice when you needed it THANK YOU!

You’ve allowed me to build a business and a career that I genuinely love, and I’m so incredibly grateful.

Here’s to 20 years, and plenty more to come! 🥂

29/08/2026

As housing affordability continues to put pressure on young Australians, many of the solutions aimed at helping first-home buyers enter the market have focused on making finance more accessible - allowing buyers to borrow more, purchase with smaller deposits and, in some cases, extend their loan terms.

Read on

As more Australians become homeowners later in life, what happens when a mortgage long outlasts your working life?

15/08/2026

🕺🏻🕺🏻🕺🏻 Thank you for the lovely review, Jane!

11/08/2026

🏦 RBA HOLDS RATES AT 4.35%

The RBA has today kept the cash rate unchanged at 4.35%, giving borrowers some welcome stability after recent rate increases.

There are some encouraging signs on inflation, with headline inflation easing to 3.8% in June, down from 4.0% in May. However, underlying inflation remains sticky at 3.6% - meaning the RBA is likely to remain cautious.

⛽ Petrol prices are also back in focus, with the temporary fuel excise reduction ending in August, which could put some upward pressure on inflation in the months ahead.

So, what does this mean for your home loan?

A rate hold doesn't mean you need to put your mortgage on hold too.

It could be a good time to check:
🏠 Is your current interest rate still competitive?
💰 Could you reduce your repayments or interest costs?
🔄 Does your loan structure still suit your circumstances?

Sometimes doing nothing is the right move… but it's worth knowing your options.

If you'd like us to take a look at your current loan, get in touch. 👋

08/08/2026

By comparison, we don’t have it as bad as we may think.

This global ranking by Visual Capitalist compares home prices with incomes across more than 180 countries.

Housing affordability has become a defining economic issue across much of the world, but the relationship between home prices and incomes differs more than many people realise…

Saudi Arabia and the UAE have the lowest home price-to-income ratios in the dataset at 3.0. The U.S. ranks seventh-lowest at 4.5, below Canada (9.4), Australia (7.5), and the UK (8.3).

📸 Michael Yardney

01/08/2026

**Your Friday night Uber Eats order just made an appearance in your mortgage application. 👀📱**

When assessing your home loan, lenders look beyond your income. They also take a close look at your spending habits.

Those little purchases you barely think about? They can add up and sometimes impact how much you can borrow.

The good news? A mortgage broker knows what lenders actually care about (and what they don't), so you can focus on the changes that make a real difference…

Getting ready to apply for a home loan? Chat to us early…

26/07/2026

New signage! (Don’t critique my photo taking abilities) 😛

20/07/2026

FINANCE REJECTED?? ❌

Being declined by your bank doesn't always mean you're unable to get finance.

Over the past few months, we've helped several clients who had been turned down by their bank or another broker. The difference? We didn't send them to a small, obscure lender just to get a loan approved.

Instead, we secured approvals with major banks including Westpac, ANZ and CBA by matching each client's individual circumstances with the lender whose lending policy best suited their situation.

That's the value of an experienced broker.

Every lender has different policies, and knowing which one is the right fit can make all the difference.

Get it right the first time. Talk to us before you give up.

07/07/2026

🍿 The Great Aussie Housing Debate: Who Really Had It Harder?

For years, we've heard the same argument...
"We had 17% interest rates!"

And it's true - interest rates in the late 1980s were incredibly high.

But here's the twist...
New research from KPMG suggests today's borrowers are actually under more mortgage pressure than households were during the 17.5% interest rate era.

Why?
Because while interest rates are much lower today, the average home loan is dramatically larger thanks to soaring property prices. The result? Australians are now spending a bigger share of their income on interest payments than they did back then.

So maybe the debate isn't really about interest rates.
Maybe it's about the size of the debt needed just to own a home.

Every generation has faced challenges, but if you're wondering why so many younger Australians feel like home ownership is harder than ever... the numbers suggest they might have a point.

What's your take? 👇🏼👇🏼👇🏼
Have we made home ownership harder for today's generation?