What are the opening hours?

Monday 8:30am - 6:30pm Tuesday 8:30am - 6:30pm Wednesday 8:30am - 6:30pm Thursday 8:30am - 6:30pm Friday 8:30am - 6:30pm Saturday 8:30am - 6:30pm

James Cairncross - Mortgage & Finance Broker

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Australia
Narre Warren, VIC
James Cairncross - Mortgage & Finance Broker

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Helping everyday Australians build their wealth through property.

Cairncross Group Capital is a specialised mortgage and finance broker dedicated to helping Australians achieve their property goals and grow their wealth through strategic investments. With almost two decades of experience, CGC's team of experts provides tailored financial advice and personalised solutions for a wide range of residential and commercial property needs. Their comprehensive services include residential home loans, refinancing options, guidance for first-time buyers, construction loans, commercial property finance, NDIS property loans, investment loans and properties, SMSF (self-managed super fund) loans, assistance for self-employed individuals, international borrowers, development finance, and private lending solutions.

03/11/2026

🏡 Fixed, variable or split? Here’s a simple way to think about it.

📌 Fixed: your rate is set for an agreed period, so your repayments stay the same during the fixed term. This may suit those who like certainty when budgeting.

📌 Variable: your rate can move over time, so repayments can change. Variable loans often come with features like offset accounts and extra repayments, which may suit those who want flexibility.

📌 Split: part of your loan is fixed and part is variable, for a balance of both.
Features and fixed terms vary by lender, so the right mix depends on your goals. James can talk you through what may suit you.

📞 James: 0438 868 923
📩 [email protected]
🔗 Link in bio

30/10/2026

🐧☀️ Friday Fix with JC!

Waddling along on the same old rate? 😄

Before another season passes, James is happy to give your home loan a quick Rate Reality Check. He’ll look at:

✅ Your current rate and loan features
✅ Options across our lender panel
✅ Whether a different setup may suit where you’re heading

Don’t follow the crowd just because it’s the way you’ve always waddled. Pop in for a chat with James and see where your loan stands. ☕

📞 James: 0438 868 923
📩 [email protected]

29/10/2026

⏳🎄 57 days until Christmas!

If a home loan review has been sitting on your to-do list, now’s a friendly time to get it moving.

Starting early may give you more breathing room before the busy holiday period.

Here’s how it works:
✅ A quick chat about your current loan and your goals
✅ We look at options across our lender panel
✅ If a switch suits you, we guide you through it

No pressure. Just a friendly look at where your loan stands.

📞 James: 0438 868 923
📩 [email protected]
🔗 Link in bio

27/10/2026

Not sure your home loan still fits where life is heading? 🏡

A home loan review is a simple, friendly chat. James will look at:

✔ Your current loan: rate, term and repayments
✔ Your loan features
✔ Your goals, whether that’s renovating, upgrading, investing or paying down sooner
✔ Your situation and any recent changes
✔ How your loan compares with options on our lender panel

From there, he’ll talk you through what may suit you best, so you can decide your next move with a clearer picture.

No pressure. Just a friendly look at where your loan stands.

📞 James: 0438 868 923
📧 [email protected]

23/10/2026

A lot can change in a year: rates, repayments, goals and life in general. 🌾

Time for a quick catch-up? Let’s see how your home loan is tracking.

📞 0438 868 923
📧 [email protected]

22/10/2026

Found your next home before your current one has sold? Bridging finance is one way to handle the gap, and it helps to understand how it works before you rely on it.

A bridging loan lets you buy your new home while you still own your current one, covering the period until your existing home sells.

Here’s how the debt typically moves:
→ Peak debt: your new home’s purchase plus your existing mortgage, all at once
→ Bridging period: a set time to sell your current home, often with interest-only repayments
→ End debt: once your current home sells, the proceeds pay the loan down, leaving a standard loan on your new home

Why people use it:
→ No pressure to sell before you’ve found the right next home
→ No need to line up temporary accommodation between settlements
→ You can shop for your next home without rushing the sale of your current one

It can take a lot of the stress out of an upgrade, but it’s a structure to understand properly before you commit; the terms, the bridging period and what you can borrow all depend on the lender.

Upgrading before you’ve sold? Let’s talk through whether bridging finance makes sense for you.

20/10/2026

Own equipment or vehicles outright but need cash for the business? A sale and leaseback could be an option worth knowing about.

It works like this: you sell an asset your business already owns to a finance provider, then lease it straight back so you can keep using it. The money from the sale is released into your business.

Why businesses consider it:
→ Frees up cash that’s tied up in an asset you own
→ You keep using the asset without interruption
→ The funds can go toward growth, working capital or other priorities

What to weigh up:
→ You no longer own the asset, and you’ll have lease payments going forward
→ Over time, the total cost can add up to more than the cash you released
→ The asset needs to be valued, and what you receive depends on that valuation
→ End-of-lease options, like buying the asset back, depend on your contract
→ Tax and accounting treatment can vary, so your accountant should be involved

It can work well in the right situation, but it’s a structure to understand properly before you commit.

Thinking about releasing cash from an asset your business owns? Let’s talk through whether it stacks up.

15/10/2026

When most people think of asset finance, they think of a work ute. But the range of things a business can finance is much wider than that.

Commonly financed assets include:

→ Vehicles: cars, utes, vans, trucks and trailers
→ Machinery and equipment: construction, agricultural, manufacturing and workshop gear
→ Commercial fit-out equipment: kitchens, coffee machines, salon and gym equipment
→ Technology: computers, servers and point-of-sale systems
→ Medical and dental equipment: from chairs to imaging equipment

A few things to keep in mind. Lenders generally prefer assets that are identifiable and hold their value, so very specialised, fast-depreciating or older assets can be harder to finance. New and used assets may both be possible, but age limits can apply. What’s available also depends on the lender and on your business.

If you’re not sure whether what you need can be financed, ask before you assume the answer is no.

Got equipment in mind for your business? Let’s check what’s possible.

14/10/2026

When you’re borrowing for your business, one of the first questions a lender asks is whether the loan will be secured or unsecured. It changes the cost, the speed and how much risk you’re carrying.

Secured loans
- These are backed by an asset, such as property, vehicles, equipment or sometimes invoices. Because the lender has something to fall back on, secured loans typically come with lower rates, higher borrowing limits and longer terms. The trade-off is that if you can’t repay, the lender may be able to take the asset. They can also take longer to set up, as valuations and legal work are often involved.

Unsecured loans
- No specific asset is pledged as security. They’re usually faster to arrange with less paperwork, which suits businesses that need funds quickly or don’t have suitable assets. The trade-off is that rates are typically higher, and limits and terms are usually lower.
One thing that catches people out: unsecured doesn’t always mean no personal risk. Lenders will often ask for a personal guarantee from the directors, so it’s worth reading the fine print before you sign.

Which suits you depends on how much you need to borrow, how quickly you need it, what assets you have, and how comfortable you are putting them on the line.

Weighing up finance for your business? Let’s talk through which structure fits.

08/10/2026

With the RBA lifting the cash rate again, a lot of borrowers are feeling it. Before you panic, here's a calm, practical way to respond.

1. Find out your actual new repayment.
Check what your lender is charging now and how much it's changed in dollars. Knowing the real number is better than guessing.

2. Look at your budget.
Work out what's flexible and what isn't, and where you could trim if you needed to.

3. Check your loan is still competitive.
Your lender won't always pass on its best rate to existing customers. A rate review, or a refinance if the numbers stack up after switching costs, can sometimes offset part of an increase.

4. Think about your loan structure.
Options like splitting between fixed and variable, or using an offset account, can give you more certainty or flexibility. They come with trade-offs, so they're worth discussing before you commit.

5. Talk to someone early if you're feeling the squeeze.
Lenders have hardship options, but they work best when you reach out before you miss a payment, not after.

Rate rises are stressful, but you have more options than it feels like. If you want to talk through yours, get in touch.

Address

Unit 304/65 Victor Crescent
Narre Warren, VIC
3805

Opening Hours

Monday	8:30am - 6:30pm
Tuesday	8:30am - 6:30pm
Wednesday	8:30am - 6:30pm
Thursday	8:30am - 6:30pm
Friday	8:30am - 6:30pm
Saturday	8:30am - 6:30pm

Website

https://cgcap.com.au/

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