Dieter Stahmer - The Loan Broker

14/07/2025

After soo many years I still love the emotion that goes with helping first home buyers get into a tough market just as much as helping my seasoned clients to upsize, invest, renovate, consolidate.

Here are some hard stats to ponder:
1. Of the 12 rate cuts since 2015, only 6 were passed on in full by the Big4 Banks to their customers (CBA, ANZ, NAB, Westpac) - source Chanticleer July2025
2. Borrowers who use brokers rather than going to the bank/ DIY has increased from 40% to 80% over that time.

Yes, there is a direct correlation, and at the core is personal, tailored service - working in your best interest- and the consistency of Annual Reviews. Service starts with a sound recommendation based on your individual needs of the time, and continues via the advice at Annual Reviews, which in part ensures my clients don't get stuck with over-blown interest rates (see 1. above), as well as considers changing needs and goals- over the long term.

I'll never be the biggest, but I do strive to be the best for the clients I agree to work with. Consistent, reliable, helpful.

Thank you to all my clients - who are also the only advertising I have, or need. :) D.

19/02/2025

Interest rates dropped by 0.25% and fingers crossed more to come! But what should you do now? Is there "wrigggle room" for a better rate from refinancing?

As a broker we do regular active loan reviews for all clients throughout the year. We do this to ensure your loans are always on the best rate and that your finance keeps up to date with changes in your life. As a result of always doing regular reviews we don't get into a situation where you are paying too much with a high interest rate.

Other questions as rates drop might be: do I want to choose to keep paying the higher repayments and pay my loan off quicker? How soon would I pay off my loan/ how much would the compound interest savings be if I were to reduce my repayments but still pay an extra $xx each fortnight? What does my borrowing capacity look like with lower interest rates? What options do I have for equity release for debt recycling, ETF investment, home improvements, or buying an investment property? Can we do a loan comparison "sanity check" to see if interest savings from refinancing are worth the payback after allowing for the bank fees of refinancing? Are there other options to further reduce my repayments if I refinance for a new (longer) loan term?

I am always open to discuss your needs and provide the insights and data for you to make informed decisions. If you have questions on your situation or future plans, feel free to book in for a quick call via my online diary (theloanbroker website). Always happy to chat, happy to help :)

08/01/2025

2025 has started with a bang 💥

Tarnia and Scott collected the keys to their first home on Monday! After getting ready in 2024 with all the relevant grants and incentives for first home buyers, having finance pre-approval and getting knocked back with several offers, they’re finally in!

Emma and Carter also collected the keys to their new home yesterday- they also had a few offers knocked back in 2024, but today they are moving in.

And another long term client, Kim and Rob can go unconditional on their rural getaway after having their offer accepted just before Christmas- finance approved yesterday.

If you have property plans for 2025, for yourself or as an investment, we’re here to help.

08/01/2025

I have the BEST clients! … Emma and Carter kicked off 2025 with a new home- well done- winning ✅

Thanks for the great online review :)

Headline today: 22 year old nurse gets keys to her first home.

What a ROCK-STAR !!! 🙌

Headline in 20 years: Emma has let the wonder of compound growth and time take care of her financial future.

Wealth doesn't automatically give you happiness in life, but it can pave the way for much more fun, and property is a cornerstone to wealth in Australia - whether that means buying and one day owning your own home debt free, or investment properties and more.

Want to know where to start, or your next step?....a trusted adviser can help with your journey, and will be there for the long haul.

Congrats Emma - your sms made my day too! 😁

04/11/2024

Loved doing work for these borrowers, and look forward to helping them continue to grow and kick goals in the years ahead 😍

12/06/2024

Awesome News for First Home Buyers

The Qld State Gov announced this week that the stamp duty threshold for homes would increase by $200,000. This was long overdue due to increased property prices and is great news for anyone wanting to break into the market.

There are 3 main concessions I always discuss with first home buyers:
1. Avoiding paying the cost of stamp duty (which is often a huge hit to the deposit which has been saved up)
2. The $30,000 New property cash grant (for New properties)
3. The LMI Waiver from the Federal Gov

The increase of the threshold for stamp duty from $500k to $700k (phasing out at 800k) and for land $250k to $350k (phasing out at $500k), means more first home buyers will be able to secure that important first step in the property market without seeing a huge chunk of their deposit savings vanish in Stamp Duty.

The new stamp duty concession threshold starts for contracts signed from 9 June.

Every week I do information and strategy sessions for first home buyers wanting to crack into the market. With good advice and a sound strategy they can get into the market much sooner and often create "instant equity” in their property by understanding and applying the various first home buyer concessions and allowances.

30/05/2024

The Herron Todd White Monthly Review was a staple of quality info on property values for many years - and the May Report is another cracker...

"Brisbane house prices have risen 3.1% in 3 months and 16.1% in 12 months... positioning it as one of the top three locations for growth. Brisbane median price is currently above Melbourne."

Whilst these headline statements are great - the devil is always in the detail... and HTW goes on to give detailed analysis of what is happening in Houses and in Units in all key locations around Australia. It drills into the detail with property by property info on recent sales at the median value in each market.

People often say the property market is made up of a whole series of smaller markets - well here is the info to understand exactly all those markets, and to give the overall context of "Australian property" as you are assessing "value" in a specific region/ suburb.

I view the HTW Monthly Report as the Property equivalent of flicking to the Stock Market prices in the paper (well historically speaking - would probably ask siri now!). The ASX "Australian share market" might be reported as moving up or down, but the interesting stuff (and value) is what is happening to the individual stocks and sectors.

The HTW Monthly is a terrffic resource and very glad to see they have brought it back :) Thank you Herron Todd White.

If your interested in property (like me), but also want more understanding on the how/ why a good financing plan (leverage) can really set you up, then maybe reach out. I help clients every day with their property and financing.

If you really just want to fill your glass with good quality and detailed property market info then go search for the HTW May report and nerd out.

Herron Todd White Month in Review... 10/10 for property info... stick that in your browser!

13/03/2024

Property Market and Borrowing Capacity: What's Really Going On?

Every week I am asked about this amazing run in property prices, and even more so in the face of the higher interest rate environment of 2023/24 (this question is second only to "when will rates go down?")

Normally when interest rates go down, property prices go up (borrowers have a higher borrowing capacity). Equally, when rates go up, we often see prices flatline or go south.

Since rates went up (and by one of the fastest upticks ever), property prices have actually continued to go up... and many people attribute this to net migration (new home seekers - both seeking property to buy or to rent).

PEXA recently released the numbers on "cash-buyers".... more than 1 in 4 property purchases in Qld, NSW and Vic are being paid for with cash (no mortgage). These buyers are clearly not constrained by interest rates or borrowing capacity, and it shows in the prices being paid.

In 2023 in Surfers Paradise (postcode 4217) 1,232 properties worth $1.43billion changed hands without a mortgage (cash buyers).

This points to 2 conclusions:

1. demand for property is probably weaker and shallower than thought if you are simply looking at recent property prices. Borrowing capacity IS constrained due to high interest rates, however due to the uptick in cash buyers this is not being reflected in the prices.

2. With property price growth remaining on a tear this will unfortunatley delay any interest rate cuts and the existing mortgage borrowers are in for a longer period of punishment (high rates).

I was recently asked if I was still an active broker (due to not posting often or advertising at all LOL). Yes, I am still very much active and working hard to assist borrowers with their home loan and with their investment plans. We can't control interest rates or property prices - but there are still many things that can be done as a broker to assist existing borrowers and would-be property purchasers and investors. Honestly I sometimes wish I was less busy/ less active as a broker. Xx

22/12/2023

Merry Christmas 2023!

Thank you to all my wonderful clients who make my work, not work.

It is a genuine pleasure to help you to buy your dream homes, build your dream homes, create a wealth plan through property, and to see and hear ”your story” unfold each year. Thank you from the bottom of my heart. ❤️

09/08/2023

So this is what I do, and why I do…. These awesome humans bought their first home 7 years ago (and recently celebrated with this screenshot of “on this day” memory). They have since bought another home, and have filled all the bedrooms with their tribe.💙

10/02/2023

I still love to see my clients dreams come true and to be riding in their roller coaster too.

Most of my work days are currently filled with re-negotiating interest rates... but I love it 😍 when a client "grounds me" with a pic of their dream family home under construction. I hope they pressed some hand prints in once the tradies knocked-off!

23/12/2022

Wishing all my clients a very Merry Christmas and a happy holiday season. We just submitted (4.30pm 23/12) the last 2022 application for a First Home Buyer who I initially met in 2017. I hope your first home is your best Chrissy Present ever ❤️

2022 has been a tumultuous year for all borrowers, and I am pleased to be doing my very very best to support your dreams and aspirations. I’ll be wishing for no more rate increases in 2023. Xx