Todd Smith - Mortgage Broker

Todd Smith - Mortgage Broker Senior Mortgage Broker at Mason Finance Group
0400 402 089
[email protected] Mortgage Broker servicing The Sunshine Coast and surrounding suburbs.

We also service the Clarence Valley Grafton to Yamba, NSW. Areas include but are not limited to:
Yaroomba QLD 4573, Australia
Maroochydore QLD 4558, Australia
Yamba NSW 2464, Australia
Nambour QLD, Australia
Bli Bli QLD 4560, Australia
Sippy Downs QLD 4556, Australia
Grafton NSW 2460, Australia
Coolum Beach QLD 4573, Australia
Maclean NSW 2463, Australia
Pelican Waters QLD 4551, Australia
Peregian

Beach QLD 4573, Australia
Gulmarrad NSW 2463, Australia
Little Mountain QLD 4551, Australia
Birtinya QLD 4575, Australia
Bokarina QLD 4575, Australia
Baringa QLD 4551, Australia
Woombye QLD 4559, Australia
Mooloolaba QLD 4557, Australia
Buddina QLD 4575, Australia
Bells Creek QLD 4551, Australia

10/04/2026

“Looking for a broker who actually has a plan for you — not just the loan?”
We’re here to help you get into your home and support you long after settlement.

If you’re thinking about your next move, we’re here to help.

📱 0400 402 089
🌐 www.masonfinancegroup.com.au

Finding the right mortgage shouldn’t feel like a hunt - especially if you’re just getting started. With 60+ lenders on o...
02/04/2026

Finding the right mortgage shouldn’t feel like a hunt - especially if you’re just getting started. With 60+ lenders on our panel, we’ll help you find the right option and guide you every step of the way.
Happy Easter to you and your family 🧺🐰
If you’re thinking about buying your first home, I’d love to help.
📱 0400 402 089
🌐 www.masonfinancegroup.com.au

As of February 2026, a new rule from APRA has changed the game.Banks are now restricted on how many "high-debt" loans th...
26/03/2026

As of February 2026, a new rule from APRA has changed the game.

Banks are now restricted on how many "high-debt" loans they can approve. If your total debt (including the new loan, credit cards and car loans) is more than 6 times your gross annual income, you’re officially in the "High debt-to-income zone.

Banks can only allow 20% of their new loans to fall into this category. If your bank has already hit its 20% "quota", they might say no, even if you have a perfect credit history.

If you think you might be affected, give me a call on 0400 402 089 to assess future lending.

www.masonfinancegroup.com.au

Interest can quietly eat away at your equity if your loan is not structured correctly. The longer you stay on an uncompe...
25/03/2026

Interest can quietly eat away at your equity if your loan is not structured correctly. The longer you stay on an uncompetitive rate or the wrong product, the more you could be paying unnecessarily and that is money that could be building your wealth instead.

If you have not reviewed your home loan recently, now is a smart time to check in. A simple rate and structure review could make a meaningful difference over the life of your loan.

If you would like me to take a look at your current loan, send me a message or call 0400 402 089. I am happy to review your rate and structure and see if there is a smarter strategy available for you.

www.masonfinancegroup.com.au

In a fast-moving market, "waiting to save more" could potentially cost you more in price growth than you’d pay in intere...
23/03/2026

In a fast-moving market, "waiting to save more" could potentially cost you more in price growth than you’d pay in interest or fees.

You might not need a 20% deposit. With the right strategy, a low-deposit scheme, or even paying lenders mortgage insurance, you may be able to get off the treadmill and into your home sooner.

I can help you find out if you’re eligible. Give me a call today!

0400 402 089
www.masonfinancegroup.com.au

Construction loans are not as straightforward as typical home loans. But they can be made simpler with a broker by your ...
19/03/2026

Construction loans are not as straightforward as typical home loans. But they can be made simpler with a broker by your side.

Reach out to find out more about how construction loans work.

0400 402 089
www.masonfinancegroup.com.au

Found "the one" but haven't sold your current place yet? 🏠⏳In a fast-moving market, waiting for a sale could mean missin...
18/03/2026

Found "the one" but haven't sold your current place yet? 🏠⏳

In a fast-moving market, waiting for a sale could mean missing out on your dream home. That’s where a bridging loan could help.

A bridging loan could allow you to buy your new home before you sell your current one. It’s a short-term solution that could help give you an upper hand in a competitive bidding war.

Ask me how!

0400 402 089
www.masonfinancegroup.com.au

The RBA has increased the cash rate again.What this means for you:• Potential changes to repayments• A shift in borrowin...
18/03/2026

The RBA has increased the cash rate again.

What this means for you:
• Potential changes to repayments
• A shift in borrowing capacity
• A good opportunity to review your loan

Staying on top of these changes helps you stay in control.

📲 Happy to chat through your options anytime.

07 5211 0099
www.masonfinancegroup.com.au

With the RBA decision tomorrow, it’s a good time to stay across what’s happening in the market.If you're thinking about ...
16/03/2026

With the RBA decision tomorrow, it’s a good time to stay across what’s happening in the market.

If you're thinking about buying or reviewing your home loan, happy to help.

📞 0400 402 089
www.masonfinancegroup.com.au

12/03/2026

🏆 Proud moment for the team!

Last night Mason Finance Group was named Best Regional Office at the Better Business Awards.

It’s a huge honour and a reflection of the incredible clients, referral partners and team members who make what we do possible every day.

Grateful to be part of such an amazing team helping Sunshine Coast locals achieve their property goals.

The Adviser

Like most good things, pre approvals do not last forever. A pre approval is typically valid for a limited period and can...
12/03/2026

Like most good things, pre approvals do not last forever. A pre approval is typically valid for a limited period and can expire if your financial situation changes or if too much time passes. That is why it is important to speak with your broker about the right time to apply and to keep track of when it may need to be renewed.

If you are house hunting or thinking about getting started, reach out to me directly. I can help you get the timing right, structure your pre approval correctly and make sure everything is in place before you make an offer. Send me a message or call 0400 402 089 and we can organise a quick chat.

www.masonfinancegroup.com.au

You know that speaking to a broker to help you with your property purchase is a good idea, but when should you do it? Wh...
10/03/2026

You know that speaking to a broker to help you with your property purchase is a good idea, but when should you do it? When you first decide you want to buy? Once you’ve found your property? When you want to apply for a loan?

The truth is it’s never too early to contact a broker. They can help you at all stages of the property purchase process. But the earlier you get in touch, the better they can help you to be prepared in your journey.

Get in touch today.

0400 402 089
www.masonfinancegroup.com.au

Address

5/61-63 Primary School Court
Maroochydore, QLD
4558

Opening Hours

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

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Our Family helping yours.

"We are a husband and wife team. When you deal with us, you're dealing with a family who truly cares about you and your financial goals. We get you and we want to help you achieve your dreams."

We pride ourselves in exceeding our customer's expectations. We recognise that obtaining finance can be stressful, so we make the process as hassle-free as possible by doing all of the leg work, from start to finish.

Being home owners and Investors ourselves we have real life experience with the lending process and know what it's like to ‘sit on the other side’ so we do everything we can to give you a great experience. Our goal is to help make your dreams a reality.

We currently have offices on the Sunshine Coast and Yamba on the Northern NSW coast. Our family business services all areas of the Sunshine Coast including Peregian Springs, Peregian Beach, Coolum Beach, Mount Coolum, Marcoola, Maroochydore, Kawana, Caloundra, Pelican Waters, Beerwah and surrounding suburbs. We also service the Northern NSW Coastal surrounds of Yamba.