Gardian Finance

Directions Website

Gardian Finance Gardian Finance in partnership with Mortgage Choice, saving you time, hassle and money.

From the best loan to the best financial plan, our team can help find the right financial solutions to suit your lifestyle!

🚗 Thinking about buying a house but still paying off your car?Good news — having a car loan doesn't automatically mean y...
13/10/2026

🚗 Thinking about buying a house but still paying off your car?

Good news — having a car loan doesn't automatically mean you can't get a home loan! 🏡

However, those monthly repayments could affect how much you're able to borrow.

So, should you pay off your car first, keep saving your deposit or look at your options now?

We've covered what you need to know in our latest blog.

👉 Read the full blog here: [https://www.gardian.com.au/en/posts/how-do-overtime-bonuses-and-commissions-affect-your-home-loan]

Have a question about your borrowing power? Get in touch with the team at Gardian Finance!

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

Does your payslip have a little extra on it? 👀💰If you regularly earn overtime, bonuses or commission, you might be wonde...
30/09/2026

Does your payslip have a little extra on it? 👀💰

If you regularly earn overtime, bonuses or commission, you might be wondering…

“Does that actually count when I apply for a home loan?”

The answer is: potentially — but lenders don't all assess variable income the same way.

We've broken down what lenders look at, what documents you might need and how overtime and bonuses can affect your borrowing power.

👇 Read our latest blog to find out more!
https://www.gardian.com.au/en/posts/how-do-overtime-bonuses-and-commissions-affect-your-home-loan

Still paying off HECS but thinking about buying a house? 🎓🏠You might be wondering…"Can I actually get a home loan if I s...
29/09/2026

Still paying off HECS but thinking about buying a house? 🎓🏠

You might be wondering…

"Can I actually get a home loan if I still have HECS?"

The short answer is yes!

But your HELP repayments can affect how much you may be able to borrow — and different lenders can treat HECS debt differently.

We've broken it all down in our latest blog, including whether paying off your HECS before buying could actually make sense for you.

👉 Read the full blog here: https://www.gardian.com.au/en/posts/can-you-get-a-home-loan-with-hecs-help-debt

Thinking about buying in Mackay? Come and have a chat with us at Gardian Finance.

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

Okay, but what actually is LVR? 🤔🏠If you've ever heard a broker or bank throw around terms like “80% LVR” or “90% LVR” a...
24/09/2026

Okay, but what actually is LVR? 🤔🏠

If you've ever heard a broker or bank throw around terms like “80% LVR” or “90% LVR” and had absolutely no idea what they were talking about… you're not alone 😂

LVR stands for Loan-to-Value Ratio, and it can play a big part in your home loan.

We've broken down what it means, how it's calculated and how it can affect your deposit and LMI in our latest blog.

👉 Read the full blog here: https://www.gardian.com.au/en/posts/what-is-a-loan-to-value-ratio-lvr-and-why-does-it-matter

Or if you're thinking about buying in Mackay, come and have a chat with us at Gardian Finance.

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

🏠 You've found the house, your offer is accepted… then the bank valuation comes in lower. 😬So, what happens now?A low va...
22/09/2026

🏠 You've found the house, your offer is accepted… then the bank valuation comes in lower. 😬

So, what happens now?

A low valuation doesn't automatically mean the deal is off, but it can affect how much the bank will lend and how much you may need to contribute.

We've broken down what happens when the valuation doesn't match the purchase price in our latest blog.

Click the link below to read more
👉 https://www.gardian.com.au/en/posts/what-happens-if-the-bank-values-your-new-home-for-less-than-you-paid

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

💙My Hospital Foundation Giving Day is coming up! It’s not until 22 October, but it’s never too early to get a head start...
21/09/2026

💙My Hospital Foundation Giving Day is coming up!

It’s not until 22 October, but it’s never too early to get a head start!🙌

Giving Day is all about coming together as a community to support our local hospital and the amazing work happening right here in Mackay.

If you’d like to get involved, click the link or scan the QR code below to find out more and make a difference. 💙

👉 www.charidy.com/mhf/GF

Every little bit helps! 🏥✨

🏡 We love referrals! ❤️There’s no greater compliment than recommending our team to your family, friends or someone you k...
15/09/2026

🏡 We love referrals! ❤️

There’s no greater compliment than recommending our team to your family, friends or someone you know who’s looking to make their next move.

Whether they’re buying their first home, refinancing, investing or simply wanting to see what their options are, we’d love the opportunity to help.

As a local Mackay team, we’re incredibly grateful for the trust our clients place in us — and when you refer someone our way, it means the world to us. 🫶

Know someone who could use a hand with their home loan? Send them our way!

📍 11-13 Gordon St, Mackay, Queensland
📞 Gardian Finance - 07 4953 2799
🌐 https://www.mortgagechoice.com.au/ben.phillips/

🏆🎉 BIG NEWS FROM HOBART! 🎉🏆What a moment for Gardian Finance / Mortgage Choice and for Mackay!Last week, some of our Gar...
09/09/2026

🏆🎉 BIG NEWS FROM HOBART! 🎉🏆

What a moment for Gardian Finance / Mortgage Choice and for Mackay!

Last week, some of our Gardian Finance team, together with the Gardian Directors, attended the 2026 Mortgage Choice Conference in Hobart.

We are absolutely thrilled to share that Justin Shoer finished #1 in the Loan Writer category nationally for Mortgage Choice having written the most settled loans in the country for 2025/26 financial year.

This incredible achievement reflects Justin's unwavering commitment to helping clients achieve their property goals, his passion for delivering outstanding service and the trust our clients place in him every day.

While Justin may have accepted the award, this success belongs to everyone who has been part of the journey, including our clients, referral partners, team members and the wider Mackay community.

Please join us in congratulating Justin on an extraordinary accomplishment! 👏👏👏

If you're thinking about buying your first home, refinancing, investing or exploring your finance options, there's never been a better time to speak with an award-winning mortgage broker.

📍 11-13 Gordon St, Mackay, Queensland
📞 Gardian Finance - 07 4953 2799

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

2026 GARDIAN GALA✨
31/08/2026

2026 GARDIAN GALA✨

Address

11-13 Gordon Street
Mackay, QLD
4740

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Gardian Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category