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CJG Finance

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The finance and mortgage broker who's always in your corner. Property, business & asset finance specialist.

Personal customer service with a professional approach CJG Finance Pty Ltd ACN 653 677 877 Credit Representative 535787 is authorised under Australian Credit Licence 389328

Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

30/10/2026

Happy Halloween for tomorrow! 🎃
Batman and the Joker, circa a few years ago 🦇🃏
Every hero needs a good sidekick, and we’re here when you’re ready.
Just shine the Bat-Signal, or call us. Phone’s probably easier. 📞🦇

📞 0402 413 917
💻 [email protected]

28/10/2026

What are you scared of? 👻🎃

Halloween this weekend, let’s talk about the real fears, the ones that stop people from even asking the question.

😨 “I’ll get knocked back.”
That’s what we’re here for. We check your situation upfront and match you with the right lender before you apply.

😨 “I don’t have a big enough deposit.”
You might need less than you think. Schemes, guarantors and LMI can all help.

😨 “I’m self-employed, so no one will lend to me.”
Plenty of lenders will. You just need the right one.

😨 “The paperwork is overwhelming.”
We’ll give you a clear checklist and do the heavy lifting.

😨 “I’ll be judged on my finances.”
Never. We’ve seen it all, and our job is to help, not judge.

😨 “What if rates go up?”
We’ll help you understand your buffer and structure the loan to suit you.

Most fears come from not knowing where you stand. A quick chat usually makes the monster a lot smaller. 🎃

👇 What’s your biggest fear when it comes to borrowing? Drop it in the comments.
Or send us a message. No tricks but hopefully treats!

📞 0402 413 917
💻 [email protected]

26/10/2026

How to be prepared for borrowing 📋🏡

Being organised before you apply means faster approvals, fewer surprises and a stronger application. Here’s how to get ready:

🪪 Get your documents together: ID, recent payslips, bank statements and tax returns if you’re self-employed. Having them ready saves weeks.
💰 Know your deposit: how much you’ve saved, where it’s coming from, and whether a gift or government scheme could help.
📊 Know your spending: lenders will ask about your living expenses, so know your real numbers, not your best guess.
🎯 Know your goal: buying, refinancing, investing or upgrading? A clear plan helps us find the right lender and structure.
📈 Check your borrowing power early: before you start house hunting, so you’re shopping in the right price range.
✅ Get pre-approval: it gives you confidence to make offers and shows agents you’re serious.
🤝 Talk to a broker early: the earlier we’re involved, the more we can help shape a strong application.

Preparation isn’t just paperwork. It puts you in the strongest position when the right property comes along.

Thinking about buying or refinancing? Let’s get you ready.

📞 0402 413 917
💻 [email protected]

23/10/2026

“At a BBQ on the weekend my mate told me you need a 20% deposit to buy a house.”

Not always. Some buyers can get in with as little as 5%.
Check the facts before you take the barbie advice.

📞 0402 413 917
💻 [email protected]

20/10/2026

Found the perfect place but haven’t sold yours yet? It’s one of the most common headaches we hear about, and it’s exactly what bridging finance is built for.

What is it?
A short-term loan that “bridges” the gap between buying your new home and selling your current one. Instead of racing to sell first (or squeezing the family into a rental in between), you can secure the new place now and sell with less pressure.

How it works, in plain English:
1️⃣ The lender looks at both properties together. This is your “peak debt”: your current loan plus the new purchase.
2️⃣ You get a set window to sell your existing home, usually 6 to 12 months depending on the lender.
3️⃣ Once it sells, the proceeds pay down the debt and you’re left with your new, ongoing home loan, called the “end debt.”
4️⃣ With many lenders, interest during the bridging period can be added to the loan rather than paid monthly, so you’re not juggling two repayments at once.
Why it helps:
✅ You don’t miss out on the right property
✅ No double move or short-term rental in between
✅ You’re not forced to accept a low offer just to sell quickly
✅ You have time to sell properly and get the best price

Worth knowing:
It’s not for everyone. You need a realistic sale price, a solid plan, and enough equity to make the numbers stack up. If the sale takes longer or comes in lower than expected, that affects your position, so getting the structure right from day one matters.

That’s where we come in. We’ll run the numbers on both properties, find out what lenders will actually do, and help you decide whether bridging finance or another option suits you best.

Thinking about upgrading, downsizing or moving? Let’s chat before you sign anything.

📞 0402 413 917
💻 [email protected]

18/10/2026

A few photos popped up in Sammi’s memories this week: our early logo ideas for CJG Finance, from a few months before I went live. 5 years ago! What a show that was. 😅 It took me straight back to the lead-up.

I remember we were agonising over what the logo would be and which colours to go with. Writing and rewriting my “About Me” more times than I’d like to admit. Endless back and forth with the website designer. Lying awake wondering where the first client was going to come from, and whether I could actually pull this off.

Stress, excitement and anticipation, all rolled into one. Some days it was hard to tell which one was winning. I had been dabbling with the idea to go out on my own for a long time and when it actually started happening, it was a WTF am I doing moment for sure.

If you’re sitting on the edge of starting your own gig: the nerves, the doubt, the excitement, the anticipation...all normal. Back yourself! And when you need finance for the ute, the gear, the premises, or your first home loan as a newly self-employed borrower, give me a call. I’ve been there.

📞 0402 413 917
💻 [email protected]

15/10/2026

Every home, business and investment starts with one decision to get started. Whether it’s your first home, your next property or the equipment that grows your business, the right finance structure today builds the shade for tomorrow. 🌳 Let’s plant yours.

📞 0402 413 917
💻 [email protected]

12/10/2026

As I mentioned last week, rates are up, fuel's up, and the weekly shop doesn't seem to shrink. Things are tough out there for the every day Aussie.

You can't control the RBA, but you can control some things at home. We've pulled together the easy wins (tips) we're seeing families use right now, from the weekly shop to free family fun in your local communities.

Swipe through, save it for later, and tag someone who'd find it handy. OR add some tips below that have helped you and your family.

And if you want to tackle the biggest bill in the house, flick me a message and I'll run the numbers on your loan/s. No cost, no pressure.

📞 0402 413 917
💻 [email protected]

09/10/2026

We didn't wait to be asked.

At CJG Finance, we regularly review our clients' home loans to make sure they're still on a competitive rate. Our job doesn't end at settlement.

Recently, one of those reviews turned up room for a better deal, so we went straight to the lender and negotiated a lower rate. Our client didn't have to lift a finger.

That's how we look after our clients, year in, year out. Set and forget is for slow cookers, not home loans.

Not a CJG client yet? Get in touch for a no-fuss review of your rate.

📞 0402 413 917
💻 [email protected]

06/10/2026

Four rate rises in 2026. 😅 So… how's everyone actually going, Queensland?

Let's call it what it is. The RBA lifted the cash rate to 4.60% last Tuesday. That's the fourth rise this year and the highest it's been since 2011. On a $600k loan, that's roughly $400 a month more than in January. That's the footy fees, the fuel and the groceries, every month.

The market's feeling it too. Brisbane values dropped 1.5% in September, the biggest fall of any capital. They're still up almost 6% on a year ago, though, so this is a cool-down, not a collapse.

And the mood? Pretty flat. Confidence is back near the year's lows, and most people expect rates to go higher still.

Here's what you can do this week:
✅ Check your rate. After four rises, plenty of loans have drifted well above what's on offer. Lenders rarely tell you. A 10-minute review can save thousands.
✅ Stress-test your budget at +0.25%. The next RBA meeting is 3 November. Know your number before they do.
✅ Make your offset work. Every dollar sitting there is cutting your interest.
✅ Buying? You've got leverage. There's more stock on the market and less competition. Get your pre-approval sorted at today's rates and negotiate hard.
✅ Feeling the squeeze? Talk early. Lenders have far more options before you miss a payment than after.

You don't have to work this out alone. That's literally what we're here for. Flick me a message and I'll run the numbers on your loan. No pressure, no cost!

📞 0402 413 917
💻 [email protected]

Address

Mountain Creek, QLD
4557

Opening Hours

Monday	7am - 7pm
Tuesday	7am - 7pm
Wednesday	7am - 7pm
Thursday	7am - 7pm
Friday	7am - 7pm

Telephone

+61402413917

Website

https://www.cjgfinance.com.au/

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