Gardian Finance

02/09/2026

🧮 "But my income hasn't changed… so why has my borrowing power?"

It's a question we hear all the time.

Your income is only one part of the equation. Your debts, living expenses, credit card limits, dependants and even lender policies can all make a difference.

We've broken down why your borrowing power can change — even when your salary doesn't.

Read the latest blog 👉 [https://www.gardian.com.au/en/posts/why-your-borrowing-power-can-change-without-your-income-changing]

📱 (07) 4953 2799
📍 11–13 Gordon St, Mackay

31/08/2026

2026 GARDIAN GALA✨

27/08/2026

⏳ 25 years or 30 years — how long should your home loan be?

The loan term you choose can affect both your regular repayments and the total interest you pay over time.

Our latest blog breaks down the difference between a 25-year and 30-year home loan and what to consider before making your decision.

Read more 👉 [https://www.gardian.com.au/en/posts/30-year-home-loan-vs-25-year-home-loan-does-the-loan-term-matter]

Thinking about buying in Mackay? We're here to help.

📱 (07) 4953 2799
📍 11–13 Gordon St, Mackay

25/08/2026

🏦 What do your bank statements have to do with getting a home loan?

Quite a bit!

Lenders may look at your spending, savings, existing debts and regular commitments when assessing your overall financial position.

Our latest blog breaks down what lenders look for and answers some of the most common questions about bank statements and home loan applications.

Read more 👉 [https://www.gardian.com.au/en/posts/why-do-lenders-look-at-your-bank-statements-when-applying-for-a-home-loan]

Thinking about buying in Mackay? We're here to help.

📱 (07) 4953 2799
📍 11–13 Gordon St, Mackay

24/08/2026

⭐️⭐️⭐️⭐️⭐️
"Golda was fantastic throughout the entire mortgage process from my construction loan to refinancing. She took the time to explain everything clearly, making sure I understood each step and I felt confident moving forward. She was always reassuring, encouraged me to reach out with any questions, and made the whole experience smooth and stress-free. Golda provided great support in getting me the best possible outcome. Golda always communicated back to me promptly, and was always happy to help. I truly appreciated her professionalism, knowledge, and support, and would highly recommend her to anyone looking for a reliable and approachable mortgage broker."

- Tiffane

18/08/2026

🏠 Made an offer on your dream home? What happens next?

Getting your offer accepted is exciting — but there are still a few important steps before you get the keys.

Our latest blog breaks down what happens after an offer is accepted, including finance approval, valuations and settlement.

Read more 👉 [https://www.gardian.com.au/en/posts/what-happens-after-you-make-an-offer-on-a-house]

Thinking about buying in Mackay? We're here to help.

📱 (07) 4953 2799
📍 11–13 Gordon St, Mackay

12/08/2026

🏠 Have a home loan with HSBC? This is worth a conversation.

HSBC has announced that it is exiting the Australian retail banking market, including the sale of its Australian home and personal loan portfolio. The transition is expected to take place over the coming months, with loan servicing expected to move to a new provider in 2027, subject to regulatory approval.

If you currently have an HSBC home loan, now is a good time to understand your options.

💬 Come and meet with our team at Gardian Finance for a no-obligation review of your home loan. We can look at your current loan, compare your options across our lender panel and see whether refinancing could be right for you.

📍 11-13 Gordon St, Mackay
📞 (07) 4953 2799
🌐 www.gardian.com.au

HSBC customer? Let's chat. 🤝

10/08/2026

👔 Started a new job but still want to buy a home?

Being on probation doesn't automatically mean you need to put your property plans on hold.

Our latest blog explains what lenders may consider when you're newly employed and why your previous employment history can also be important.

Read more 👉 [https://www.gardian.com.au/en/posts/can-you-get-a-home-loan-while-on-probation]

Thinking about buying in Mackay? Let's chat.

📱 (07) 4953 2799
📍 11–13 Gordon St, Mackay

Call now to connect with business.

03/08/2026

❌ Had your home loan application declined?

While it can be disappointing, a decline from one lender doesn't necessarily mean all hope is lost.

Our latest blog explains why applications can be declined, what to do next, and why you may still have options available.

Read more here 👉 [https://www.gardian.com.au/en/posts/what-happens-if-your-home-loan-is-declined]

Need a second opinion? We'd love to help.

📱 (07) 4953 2799
💻 www.gardian.com.au
📍 11–13 Gordon St, Mackay

30/07/2026