Steve at GC Loan Options

23/09/2026

From sponsorship, to coaching, and now to receiving a club achieve award.

Burleigh Bombers is such a great club to be a part of.

08/09/2026

Mortgage Jargon You Actually Need to Know
Buying a property is confusing enough without an alphabet soup of lending acronyms.
Here are three you’ll hear all the time 👇
🔹 LVR = Loan to Value Ratio
This is how much you’re borrowing compared with the value of the property.
👉 Calculation:
Loan Amount ÷ Property Value × 100
Example:
$480,000 loan ÷ $600,000 property value = 80% LVR

🔹 DTI = Debt to Income Ratio
This compares your total debt with your annual income.
👉 Example:
Income = $100,000
Total debt = $600,000
DTI = 6
Most banks will have their own limits and assessment rules around higher DTIs.

🔹 LMI = Lenders Mortgage Insurance
LMI may apply when you’re borrowing more than 80% of the property value.
And an important point: it protects the lender — not the borrower.
👉 Example: On a $600,000 purchase with a 10% deposit, LMI could potentially cost around $12,000–$15,000.

Still confused?
That’s what I’m here for. I’ll skip the bank jargon and explain what the numbers actually mean for you.
DM me and let’s talk through your borrowing options.

04/09/2026

💸 Are You Paying the “Loyalty Tax”?

Are you paying more on your mortgage simply because you’ve stayed with the same lender for years?

That’s often referred to as the loyalty tax — and over time, it can cost borrowers thousands.

For some customers, refinancing has also become harder because higher interest rates mean they may no longer pass a new lender’s standard servicing assessment.

👉 But there may still be options.

Some lenders may assess eligible refinances using a lower test rate rather than the standard 3% serviceability buffer.

That can potentially help borrowers move to a better deal where the new repayments and interest rate are lower than their existing loan.

As your broker, my job is to look at your whole financial position.

That might mean:

🏦 Negotiating a sharper rate with your existing lender
🔎 Comparing your loan with other lenders
🧮 Working out whether refinancing genuinely makes financial sense

📩 Send me a DM to book a home loan review and let’s make sure loyalty isn’t costing you.

30/07/2026

Thinking of buying before you sell? Bridging loans can help make that happen without the panic.

Here’s what some lenders will allow:
1️⃣ Give you up to 12 months to list and sell your existing home
2️⃣ Capitalise the interest — so no repayments during the bridging period 3️⃣ Assess your ability to repay based on the end debt, not the full “peak” amount while you own both properties

But here’s the catch 👇

Not all lenders offer the same flexibility. While many provide bridging loans, the policies vary wildly — some are generous, others… not so much.

That’s where we come in. 👉 Our job is to match you with the lender who suits your plan, your timeline, and your cash flow.

Buying, selling, or just planning ahead? Let’s talk strategy.

16/07/2026

Let's Talk Budget.

The lending landscape has changed.

With the recent changes to negative gearing and SMSF lending, getting the right advice before you buy has never been more important.

The rules may have changed, but opportunities are still out there! You just need the right strategy… and that's where we can help.

✅ We'll explain how the changes apply to you.
✅ We'll compare lender policies—not just rates.
✅ We'll help structure your lending to suit your long-term goals.

📩 Thinking about buying or investing? Let's chat before you make your next move.

07/07/2026

15/06/2026

Have you out grown your home?
Do you need more room?
Visit www.gcloanoptions.com.au to find out what options will best suit you.

13/03/2026

Best laid plans don’t always work out but it was worth a try.

26/02/2026

Ever wondered how much you need to earn to buy a home?

Sure, saving a deposit is important, but your income can hold the real key to getting into the market.

The challenge is that it can be unclear what sort of income you need to qualify for the home loan you desire.

The reality is that there’s no one-size-fits-all number.

However, if you’re thinking of raising a hand for overtime work, it’s worth noting that not all lenders include 100% of overtime pay in their income assessment. The same can apply to commissions and bonus payments.

That’s why it’s so important to speak to us – to get a clear idea of your borrowing power based on your current income.

It may not be necessary to give up leisure time for overtime to achieve your home-buying goal.