What are the opening hours?

Monday 8:30am - 7pm Tuesday 8:30am - 7pm Wednesday 8:30am - 7pm Thursday 8:30am - 7pm Friday 8:30am - 7pm Saturday 8:30am - 3pm

KM Mortgage Solutions

Home
Australia
Maroochydore, QLD
KM Mortgage Solutions

Call Directions Website

Helping clients Australia wide with tailored lending. Mortgage Australia Group
~ACR 545571~

🏡 Mortgage Finance Specialists
Our award-winning team will help take the time, stress & frustration out of finding the right home or investment property finance.

03/11/2026

Moving on from any long term relationship, be it marriage or de facto, can attract a heavy emotional toll, but the financial impact can be far reaching and long lasting.

Finances are often left on the backburner as you focus on the emotional health of you and your family.

It may also be that this is the first time you have had the sole responsibility for your finances, are overwhelmed and don�t know where to start.

The key is to take action early. Click here for some steps to get back on track financially after a separation or divorce.https://www.mortgageaustralia.com.au/email/files/startingover.pdf

28/10/2026

Renovate or Evacuate? The pros and cons of renovating your home to sell.

So, you've decided it's time to sell your property. Perhaps your family has grown and everyone needs some space. Or maybe the kids have left the nest and you're ready for less maintenance and more travel.

You want to get the maximum price for your property with minimum fuss. But how much work should you do to prepare your home for sale?

If you like to watch a lot of DIY shows, you might have always dreamed of doing your own renovation rescue, and raking in the profits. But how much is too much to spend? Does it really mean a better selling price if you invest your life savings in a new kitchen?

Before you run down to the hardware store, let's look at the pros and cons...

Pro - Your property will appeal to people who don't want to renovate - such as families and professional couples.

Con - Your property will not appeal to buyers looking for a project of their own, and you could alienate these potential buyers.

Pro - You will add value to the property and take advantage of the profits, rather than leaving someone else to reap the rewards.

Con - The whole thing could backfire and you could spend loads on renovating without making much on the sale of the property.

Pro - Renovating could give you a competitive edge when there are similar properties for sale in the area.

Con - Buyers might not love your purple feature walls as much as you thought they would, and your taste could drive them away.

Pro - It might be just plain necessary to do some work before you can sell your property, depending on the condition.

Con - Renovating can be a real pain in the proverbial - are you ready for mess, stress and lots of aching muscles?

So how do you decide? There's no simple answer here, I'm sorry to disappoint you! If the pros and cons have your head spinning, try speaking with a few real estate agents. They should be able to give you an idea of what work should be done to achieve the price you want.

28/10/2026

So, you're thinking about upgrading your home. Maybe your kids are getting older now and it's time to find a place with a big backyard.

Most new home owners will make the decision to upgrade before long - but for many young families, a lack of planning can spell disaster when upsizing the family home. Before you start shopping around for a real estate agent, take a few minutes to ask yourself a few simple questions.

Why do you want to move?

Be clear about your reasons for upgrading. Buying an enormous home won't necessarily mean greater capital growth in the future. Sometimes the greatest growth is in the lower end of the market. If you want to upgrade simply to grow your property portfolio, consider purchasing an investment property instead.

Where do you want to be?

If you're upgrading to give everyone some space, consider the area that you want to live in. You might be able to afford a much bigger home by moving an extra 15 minutes from the city. It all depends what sort of lifestyle you want to maintain.

What are the real costs?

Investigate all of the costs associated with upsizing your home. That means, not just the additional mortgage payments, but increased utility bills, perhaps a longer commute to work, more furniture to fill the additional space etc. It's important to know exactly how much the move will cost you - not just the initial purchase.

What about interest rates?

Could you afford to borrow an extra $150,000 if the interest rates were 2% higher? Make sure you take into account some interest rate rises when you work out what you can afford to borrow. Although a lender might offer you the funds, that doesn't mean that they know everything about your lifestyle and budget.

Will I change my lender?

You might take the opportunity to shop around for a better deal on a loan before you purchase your new property. It's important to keep in mind though, there could be charges associated with paying out your current mortgage, and there will probably be some establishment fees involved in taking out a new loan. These fees should be part of your decision-making process.

It's also important to ask your mortgage broker about Lenders Mortgage Insurance. LMI is generally payable when you borrow more than 80% of the purchase price. Depending on your purchase amount, LMI could add up to several thousand.

Did you answer all of the above questions, and still want to upgrade your home? Great! There's nothing wrong with wanting to move on to greener pastures. But to avoid putting yourself under financial strain, it's always important to do your homework.

27/10/2026

Switching home loans could help pay down your mortgage sooner, providing you are refinancing for the right reasons and understand what�s involved. Here�s our guide to refinancing to help you make the right move when the time comes.

Know the costs:
Paying 0.5 per cent less per annum on a $250,000 principal-and-interest mortgage could save you around $23,000 over the life of a 25-year loan. That�s a sizeable chunk of change back in your pocket over the long term, but there are usually up-front costs associated with switching loans, especially if moving to a new lender.

Know the costs of exiting your current mortgage loan before switching. Depending on the type of variable rate loan you have, the lender may apply fees if you choose to bow out. If you are on a fixed rate loan, a cost will usually apply when paid ahead of the agreed timeframe.

You should also factor in any set-up costs for your new loan, which can be several hundred dollars, and any ongoing account fees.

Only once you have factored in all of the associated costs will you be able to assess whether you gain financially by refinancing, and that�s where we can help you make the right decision.

Compare products and service:
A lower interest rate is a great reason to switch but it shouldn�t be the only deciding factor. Make sure the new loan is flexible enough to meet your needs and help you get ahead as quickly as possible. Some benefits to consider:

Can you make fortnightly repayments? You could pay off your loan quicker making payments every two weeks instead of monthly.

Can you make lump sum payments? Any extra repayments above and beyond your regular schedule will shave dollars and time off your loan.

Does the new loan offer a redraw facility? It�s great to stash extra cash in your mortgage to pay it down quicker but if you think you may need it back at some point, make sure your new loan lets you access those excess funds.

To fix or not to fix? We�re still enjoying low interest rates on the back of the historic lows the Reserve Bank of Australia cash rate is at, but make sure with any change you consider you have some wriggle room for if rates do rise. Make sure you�re future�proofing at every turn.

What features are important to you and think about the ones you could do without. Why pay for the bells and whistles attached to a loan if you don�t use them? Different features when it comes to technology, service and availability rank differently for everyone, so figure out what�s important to you and we�ll help you match it with the right product and the right lender.

Working with us to sharpen the pencil. Just one of the benefits of having us on side when it comes to your finance is our ability to work with the right lenders on the right price when it comes to things like your rate and your ongoing fees.

Switch to save:
Many borrowers refinance to consolidate debts, bundling credit card balances, personal loans or car payments into their mortgage, which usually carries a much lower interest rate. The benefit is lower minimum payments on your debts overall, which can be a benefit for cash flow. But that doesn�t mean you are saving on your home loan. Try to make the most of the lower rate to knock down the total debt quicker so you are not simply adding to the duration of your mortgage. And make sure you cancel any credit cards once you have transferred the balances into your mortgage so you are not tempted to rack up more debt.

Direct your debits:
If you switch to a new loan, make sure you also switch any direct payments and debits. It�s easy to lose track of what�s being paid, and how and when. Run through the most recent three months of statements for your original loan to identify any direct payments, and notify the biller as soon as possible so you don�t jeopardise your credit rating. You should also give your employer your new account details if your wages are paid directly into your mortgage.

Check your borrowing power:
One of the biggest oversights borrowers can make when shopping for the right home loan deal is their current financial situation. Has it changed since you took out your original loan? If the answer is yes, and it�s not for the better, you may find your borrowing power has shrunk, which could limit your refinancing options.

You may have: started a family and no longer have two full-time incomes; switched careers and now earn less; started your own business, creating a less regular income stream; accumulated other debt, such as credit cards or car finance; or eroded your credit rating through late payments. Any of these factors can impact your borrowing credentials, and may give you fewer bargaining chips than when you took out your original loan.

Do a thorough assessment of your total income, expenses, outstanding debts and credit rating so you understand your true financial position before shopping around.

Talk to your broker:
Take the time and stress out of shopping for a new loan by letting us as your mortgage broker handle it for you. We have access to multiple lenders with multiple products, allowing us to cast a wider net than you probably can on your own to find a home loan deal that suits your needs and circumstances. Brokers can also often gain access to lenders who are happy to take on self-employed borrowers, or those who don�t advertise heavily to consumers, but still offer competitive home loans. The benefits of having us onside are numerous; and the reason that now more than 52 per cent of Australian borrowers use a mortgage broker to arrange their finance.

27/10/2026

Choosing the right type of loan is the first step.

The first step in getting a low cost loan is choosing the right type of loan.

There are various types of home loans, all offering different rates and features:

- Honeymoon and Intro Rate loans
- Basic or "No Frills" loans
- Standard Variable rate loans (usually good to avoid these in my opinion)
- Fixed Rate loans
- Equity and Line of Credit Loans
- Offset Home Loans
- Professional and Discount Home Loan packages
- Bridging Loans

For more details read my guide to "Choosing the right loan".https://www.mortgageaustralia.com.au/email/files/choosingtherightloan.pdf

15/10/2026

Top 12 Tips for Paying Your Home Loan Sooner.

We all know the most common ones:

Pay off quickly
Pay fortnightly instead of monthly
Make payments at a higher interest rate amount
Consolidate your debts
Abandon minor luxuries
Switch to a new loan or lender with a more suitable rate and package.
What about some others that we often don't think about?

7. Use your offset account to your advantage

Instead of putting your spare cash into an interest bearing account where you earn very little interest and pay tax on the interest you earn, transfer any spare money you have into your offset account.

The additional cash works to offset the interest you are paying on your home loan.

8. Split your loan

If you are the type of borrower who worries about interest rates increasing but you don't want to be tied down by a fixed loan, a good compromise is a split loan.

Split loans allow you to fix part of your home loan and set the balance of the loan with the variable rate of interest.

Essentially this allows you more flexibility knowing part of your loan is safely fixed and won't move.

If interest rates don't go up (or if they rise only slightly or slowly) then you have the flexibility of the variable portion of your loan and can pay that component off more quickly.

9. Use your equity

If you have made good progress by paying down your home loan, many lenders will allow you to use a portion of this equity for investment. Providing you can service the new debt, it is the most common strategy for wealth creation used in Australia.

As long as you are being advised and guided by a reputable credit adviser or financial planner, this type of investment is usually a safe strategy to start planning your financial future.

10. Refinance and invest the difference

When you are fortunate enough to refinance and reduce your monthly repayments, rather than increasing your lifestyle or even paying down your mortgage, it is sometimes wise to invest the difference.

We recommend you seek counsel and advice from a qualified finance specialist, like ourselves, before trying to figure it out yourself. Don't waste the opportunity by making mistakes.

11. Don't be afraid of alternate lenders with cheaper rates

There are many second tier lenders who provide excellent products and rates competitive to the BIG 4. As the competition for business is at its all-time high, it makes lending a very interesting sector to be working in.

With a strong property market and low interest rates, there are plenty of opportunities being provided by alternate lenders willing to take on traditional lenders with low fees and very competitive products.

12. Don't set and forget

There is always the temptation to let your mortgage roll along, make your repayments as they fall due and think as little about it as possible. This attitude could be your biggest mistake.

It is important to keep yourself up to date with the property and finance market. We encourage all of our clients to have an annual review with us to ensure we have you in the best financial situation available at the current time.

Rates change, new products are introduced and changes in the finance market itself may allow you to seize an opportunity or negotiate a better deal.

Stay informed and ahead of the game by reading our updates and committing to regular finance reviews.

14/10/2026

Competition among lenders for home loans remains steep but borrowers may still be missing out on great deals and important information that could save them thousands of dollars.

1. YOU CAN SET UP A LINE OF CREDIT TO HELP FUND YOUR INVESTMENT PROPERTY

If you are negative gearing an investment property, you will have a shortfall between your costs and rental earnings. You can fund this gap with a line of credit (LOC) product using equity in your home or another property.

Say you have a gap of about $500 each month for your investment property, including interest and other costs, such as repairs and rates. You could set up a LOC for $20,000 to fund these expenses for a period of time, which may give you a little more financial breathing room. How long the LOC holds up will depend on interest rate fluctuations and your rental costs.

Like interest on your primary investment loan, the interest on this LOC is tax deductible, providing its sole use is to cover your investment expenses.

One caveat: this strategy works providing there is capital growth in your investment property over the same period, otherwise you are eating into your capital gain.

You also need to have some fiscal discipline and not dip into the LOC for non-investment related expenses, such as holidays.

While lenders will be able to set this structure up quite easily, they are not likely to offer it up front as part of your investment loan. Talk to your broker and financial advisor about whether this strategy is a smart option for you.

2. PEOPLE WITH POOR CREDIT RATINGS CAN STILL GET HOME LOANS

While it's true a poor financial record will probably make it harder for you to land a loan, the doors may not be closed. Lending criteria has tightened in the wake of the global financial crisis but there are still plenty of loans up for grabs for those with a blemished track record or little financial backing.

Be prepared, however, to pay a higher interest rate than the standard offering. A Mortgage Broker will be able to help you find loans with less stringent criteria, often labelled non-conforming loans, and will help negotiate with the lender on your behalf.

You should also do a budget to ensure you are able to make any repayments, lest you end up adding to your woes.

3. THERE ARE WAYS TO AVOID LENDER'S MORTGAGE INSURANCE IF YOU DON'T HAVE A 20 PER CENT DEPOSIT

Lender's Mortgage Insurance (LMI) is a one-off payment by the borrower when a loan exceeds 80 per cent of the property's value. It covers the lender's risk if the borrower defaults, but does not cover any loss by the borrower.

LMI can be a painful hit to the hip pocket, often running to several thousands of dollars, especially after a home buyer has scraped together the minimum deposit.

One alternative to paying LMI if you have less than a 20 per cent deposit is to secure a guarantor to cover the extra stretch.

A guarantor is usually a family member who is willing to put forward their property as security. One of the common myths that can scare family off is that the guarantor is then responsible for the entire loan. Not true. They only need to guarantee any amount beyond the 80 per cent loan-to-value ratio (LVR). Although it's a good idea for a guarantor to seek both financial and legal advice before committing.

The advantage of securing additional funding through a guarantor is that it simply gets tacked onto your loan so you can repay it over time, rather than forking out up front for LMI.

The key before you make any big decisions about home finance is to have all the facts at your fingertips. Your broker will be able to compare the products and options that are out there and size up which arrangement will work for you and your circumstances.

4. YOU HAVE FREEDOM OF CHOICE

Most lenders will pitch one or two loan products to customers. But that's a tiny fraction of the number of loans available in Australia. If you want to get a grasp of the wide variety of products out there, consider a mortgage broker.

A mortgage broker works for you, not the lender, and can help you tap this vast vein and find the loan that is best suited to your needs.

Talk to your broker about your financial circumstances and goals so they have as much information as possible to determine the best product solution for you.

13/10/2026

How to buy with a friend - without killing the friendship or your credit rating

Have you ever heard the expression, 'no friends in business'?

It's an oldie but a goodie.

This is the attitude you should bring when considering buying property with a friend.

Many good friendships have gone under the bus, and lots of people have taken a bullet to their credit rating by not giving this decision adequate thought.

So what are the risks involved with co-ownership, especially when you purchase with a friend?

What if one owner wants to sell?

One of the biggest problems with co-ownership is when one owner decides they want to sell the property, but the other owners don't agree.

This often ends up in court, and the process can be costly and upsetting for everyone. And needless to say - the friendship probably won't survive.

Buying could be harder in the future.

It might seem like the dream scenario to invest now with your best friend.

But if you decide in a few years to purchase a home to live in, the lender will assess your financial commitments based on the whole loan for the first property, not just the portion that you agreed to cover.

This could make it very difficult for you to get another loan.

You could be left holding the baby.

If something happens and your friend is unable to make their repayments, you could be left in the difficult situation of repaying the entire loan by yourself.

Coupled with your other living expenses, you might not be in a position to cover the whole amount yourself.

But there are some ways that you can reduce the risk, if you are keen to purchase property with a friend:

1) Put a legal will in place. It's important to make arrangements for what will happen to your assets if you pass away or become incapacitated.

2) Draw up a co-ownership agreement. If you can think about any issues that might possibly come up in the future, and have an agreement in place to solve them, you're less likely to wind up in court trying to work things out.

3) Choose the right structure - tenants in common, or joint tenants. Tenants in common can own a different portion of the property, and they need to specify in their will who will inherit their portion if they die. Joint tenants jointly and equally own the property, and if one person dies, their share automatically goes to the other(s) regardless of the instructions in their will.

4) Choose the right person. It's important to discuss your financial goals and values before you enter into this sort of arrangement. You need to feel comfortable knowing that your friend will be financially secure enough to keep up their end of the bargain - otherwise you might be left trying to cover the repayments alone.

It's important to think about your own relationships as well, if your partner is keen for you to buy a house together next year, you might want to think about how this first investment might impact your borrowing power.

12/10/2026

Pop Quiz - Can you identify these loans? Save time and money by knowing the difference.

The home loan market is overflowing with catch-phrases and complicated jargon. But if you only have room left in your brain for one more lesson - make sure you know the difference between the different types of loans available. This could save you time and money in the long run.

Variable Rate Loan

Variable rate loans generally have a low interest rate and allow you to select some additional features. These loans are popular with borrowers because they allow you to pay the going rate, which goes up and down depending on the official cash rate set by the Reserve Bank.

There are also 'basic variable rate' loans available, offering a lower interest rate but usually without any additional features.

Introductory Rate Loan

An introductory Rate loan gives you a discount on the standard variable rate for a set period of time. This can be a great way to ease yourself into the role of mortgage-holder, but it's important to compare the rate that the lender will charge you when the honeymoon period is over.

Fixed Rate

Fixed rate loans offer a guaranteed interest rate for a period of time - usually 1 to 5 years. This can be an excellent safeguard if you're on a tight budget and worried about interest rates rising. Keep in mind, though, the interest rate will be higher than a variable rate.

Construction Loan

Construction loans allow you to borrow in stages, depending on how much work has been done to construct your home. Rather than making repayments on the entire amount and also having to rent while you build, this loan allows you to borrow what you need to pay the builder as they reach specific milestones.

Low / No deposit loans

These loans allow you to get into the property market even if you don't have enough saved for a sizeable deposit. It's important to keep in mind that you will still need to pay some costs involved with the transaction, such as stamp duty, conveyancing costs and moving costs.

And if you haven't been able to save anything towards a deposit, try to be honest with yourself about whether you can realistically afford to pay off a mortgage right now.

Low-doc

Designed for self-employed people, low-doc loans allow you to borrow without using the same methods to prove your income. Often these loans have a higher interest rate, and generally you can't borrow more than 80% of the property value.

Credit Impaired / Non-Conforming

Non-conforming loans allow people to get back into the game even if their credit history is not great, or they don't meet lender's criteria for other reasons. These loans come with high interest rates due to the risk involved for the lender.

Line of Credit

A line of credit is like having a big overdraft on your mortgage. You can use this feature to save a lot of money on interest, because if you deposit everything into your loan you can access the funds whenever you need them, as well as any equity you have acquired.

This option is best suited to people who have good financial habits, and can avoid the temptation to go on a wild spending spree.

Equity Release

Also known as a reverse-mortgage, equity release loans allow you to borrow some of the equity in your home while you still live there.

This option is popular with retirees, but it's important to make sure that the lender wont' allow you to chew up all of the equity in your home. Ask about a 'no negative equity guarantee'.

12/10/2026

Home burglaries are a fact of life. Every year more than 20,000 homes in Australia are broken into - the majority during the day time when people are at work. That's the bad news.

The good news is that there are plenty of simple, low-cost steps you can take to greatly reduce your chance of getting burgled. Remember, it's all about making your home a harder target to break into than other people's. Most burglars enter via a garage door, back door, kitchen or bedroom window. Burglar-proof these and you'll significantly improve your chances of never suffering from a break-in.

1. Door locks

Have key-operated two-cylinder deadlocks fitted to all external hinged doors. A quality knob-inlock set will have a 'dead latch' mechanism to stop burglars using a credit card to open it.

While looking at external doors, you may also want to check that they are solid and robust. If not, perhaps you should replace them, or add a security screen. You may also want to consider fitting a wide angle peephole on your front door.

2. Sliding doors

A favourite point of entry for burglars! Fit key operated locks or patio bolts to all external sliding doors, such as patio/veranda doors.

Sliding doors can also be made more secure by inserting a wood or metal dowel into the track to limit movement.

3. Windows

An open window, visible from the street, may be the only reason that your home is chosen by a burglar. Ground floor windows are more susceptible for obvious reasons.

Make sure you have a security grill, security screen or burglar bars applied to all accessible windows, or alternatively have key-operated single cylinder window locks fitted.

4. Warning stickers

Place highly visible stickers on or near front doors and windows, which indicate an alarm system, dog or membership of neighbourhood watch. Your local police station should have an anti-crime adviser who can help provide these.

5. Light timers

Install light timers to switch on automatically if you aren't home when it gets dark, or have gone away for a few days. The timers should mimic when you would usually switch lights on or off. They are not expensive and are available at most hardware stores.

6. Exterior lighting

Exterior lighting is also a good deterrent, provided it is switched on and off as though someone is at home. Make sure the approach to your house, especially any entryway, is brightly lit, controlled by a light timer if necessary - this also makes it safer and more comfortable if you come home after dark.

7. Motion sensor lights

These are useful to install, especially at the back of a house or apartment. Infra-red motion sensor lights are also easily available and not very expensive. An unexpected light going on is a definite deterrent to a burglar who will wonder what other security devices you have in place.

8. Alarm systems

Burglar alarms definitely increase the potential and fear of being caught by the police.

There are a wide variety of alarms available - you need to make sure that the one you choose has visible signage and is properly programmed, installed and maintained.

Some alarms are routed to a police station or alarm control centre. If yours relies on neighbourhood response, make sure your neighbours are able and willing to respond.

9. Home safes

Burglars know all the hidey holes to look for keys, valuables and important documents. The price of a good home safe is falling, so setting one up could be a good investment. Home safes need to be anchored into the floor or permanent shelving, and should not be kept in the master bedroom or cupboard. Use the safe regularly, so it becomes routine and keep the code secret.

10. Protect your ID

It's a good idea to take photographs around your house of all your valuables - important proof for an insurance claim if you ever need to make one. This can be kept in a safety deposit box, safe, or with a relative. Receipts for bigger ticket items are also useful to keep for the same reason.

Consider taking photocopies of your passport, driver's license and all the cards in your wallet and store these in a safe place.

Address

Kon-Tiki Business Centre, Tower 2, Level 1 Suite 101/55 Plaza Parade
Maroochydore, QLD
4558

Opening Hours

Monday	8:30am - 7pm
Tuesday	8:30am - 7pm
Wednesday	8:30am - 7pm
Thursday	8:30am - 7pm
Friday	8:30am - 7pm
Saturday	8:30am - 3pm

Telephone

+61459824881

Website

https://km-mortgage-solutions.loantools.com.au/link-in-bio

Alerts

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