Chester Advisory

Home
Australia
Newstead, QLD
Chester Advisory

Financial Advice & Mortgage Brokers. This page is for the Mortgage Broker division of Chester Advisory to provide a platform to educate and connect.

Alyce McDougall is a credit representative (538491) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)

02/02/2026

First RBA meeting of the year underway!

13/11/2025

💡 Investing in Property: How to Get Started

Thinking about investing in property? 🏡
It’s a great way to build long-term wealth — but knowing how to get started can feel overwhelming.
Here’s a simple example of how you can use your current home to kick things off 👇
🔑 Example:
• Current home value: $800k
• Current loan owing: $400k
• Lender allows borrowing up to 80% of home value = $640k
👉 Equity available = $640k – $400k = $240k
That $240k can be used towards the deposit + costs for your new investment property! 🚀

✨ Key Steps to Get Started:
1. Choose the right property type (house, unit, townhouse etc).
2. Understand your financing options & structure.
3. Set your long-term investment goals.

💬 Want to know how much equity you could use to start your own investment journey? Get in touch and we can run the numbers together.

16/10/2025

Goodbye HECS hurdle (maybe). 🎓🏡
Some lenders have become more flexible with HELP/HECS when assessing borrowing power—policy varies, so it pays to compare.
What we’ll check:
• Your borrowing power with/without HECS scenarios
• Repayment plan & timing (pay down vs keep)
• Debt to Income Ratio (DTI)/buffers and how each lender treats them
• Docs you’ll need (ATO statements, payslips, etc.)
If you’re buying and have a HECS debt, let’s chat. I’ll walk you through the options and match you with the right lender.

01/10/2025

Starting today - 1 October 2025, the Government’s expanded Home Guarantee Scheme officially kicks off – and this is huge for first home buyers 💥
Here’s what’s changing:
✅ Unlimited places – no more caps or waiting lists
✅ No income limits – high earners can now access the scheme
✅ Higher property price caps – keeping up with today’s market
💰 New Property Price Caps (Highlights)
🏙 NSW: $900k ➡️ $1.5m (metro/regional centres)
🏙 VIC: $800k ➡️ $950k (metro/regional centres)
☀️ QLD: $700k ➡️ $1m (metro/regional centres)
🌊 WA: $600k ➡️ $850k (capital city)
🍷 SA: $600k ➡️ $900k (capital city)
🍎 TAS: $600k ➡️ $700k (capital city)
🏛 ACT: $750k ➡️ $1m
✨ With just a 5% deposit, you could be in the market sooner than you thought.

18/10/2023

Clients kicking their financial goals… that’s how we roll! Kaylah, it was a pleasure to be with you on your investment property journey.

Check out Kaylah’s fantastic review below 👇

"I recently purchased my first investment property and used Chester Advisory’s mortgage brokerage services. They made the process extremely easy to navigate and ensured I understood the process every step of the way.

Alyce was incredibly knowledgeable and went above and beyond - even providing a referral for a solicitor! I look forward to using their services again in the future."

Thank you again Kaylah! ⭐

03/10/2023

More welcome news for mortgage holders today after the RBA announced that the cash rate target will remain unchanged at 4.1% for the fourth month in a row. The decision to keep the cash rate at 4.1% is the first one made with Michele Bullock as governor of the RBA.

The RBA stated that it is holding off on further rate hikes for now, as it expects the previous 12 increases to gradually bring inflation back to its 2-3 per cent target range. However, it warned that more rate rises may be necessary in the future to keep inflation under control.

Are you one of the 150,000 borrowers coming off your fixed-rate loans before the end of the year? Or perhaps one of the nearly 450,000 in 2024? If you have a fixed-rate mortgage that is expiring soon, you need to be ready to find the best deal for your situation.

Chester Advisory can help you compare different mortgage options and find the most competitive rate for you. Get in touch to discuss your situation with one of our lending experts.

https://bit.ly/3P9yayi

28/09/2023

Are you looking for a better deal on your mortgage? We’ll help you refinance your home loan with ease. We’re experts in finding the best rates and terms for homeowners who want to save money and simplify their loan process.

Here’s how we can help you:

✅ Save Money: We’ll find the best refinancing options for you from our network of lenders. You can lower your monthly payments, reduce your interest rate, or shorten your loan term.

✅ Hassle-Free Process: We’ll handle all the paperwork, negotiate with lenders, and guide you through every step. You’ll have a clear understanding of your options and a smooth refinancing experience.

✅ Expert Advice: We’ll provide you with trusted advice based on our expertise and industry insights. We’ll help you make informed decisions about your refinancing options.

Refinancing doesn’t have to be complicated. With our expertise, access to the best rates, and personalised solutions, we’ll help you get the best rate going.

13/09/2023

Celebrating a New 5-Star Review from a Happy Homeowner! 🌟🏡

We are thrilled to share the wonderful news of yet another satisfied client who recently left us a glowing 5-star review. At Chester Advisory, our mission is to help individuals and families navigate the complexities of purchasing their dream home, and receiving positive feedback like this reaffirms our commitment to excellence and customer satisfaction.

"I used Chester Advisory to purchase my first home. Alyce was extremely helpful throughout the entire process and was clear in outlining all the requirements. Outstanding service all the way through to settlement, even keeping track and updating me while she was on holiday! Would recommend for first and experienced home buyers."

We are honoured to have played a part in making your dream a reality. And we look forward to working with you in the future!

The home buying journey can be complex, with countless decisions to make and paperwork to navigate. At Chester Advisory, we provide expert advice and support to ensure our clients are well-informed throughout the process.

We hope you enjoy your new home Angus!

05/09/2023

The RBA has announced that the cash rate will remain at 4.10% for the third month in a row. RBA governor, Dr Philip Lowe, announced the decision earlier today, delivering good news to millions of Aussies by once again keeping interest rates on hold.

The decision means interest rates on mortgages are likely to stay ‘as is’ for now… But what exactly is the cash rate and how does it affect you?

The cash rate is the interest rate that banks charge each other when they lend or borrow money overnight. It influences the interest rates that banks offer to their customers, such as mortgage and deposit rates. The RBA uses the cash rate to manage the economy, employment and inflation.

The cash rate affects most Australians, especially those who have a mortgage or are looking to buy a property. If you have a variable-rate mortgage, your interest rate may change depending on the cash rate. If you have a fixed-rate mortgage, your interest rate will stay the same until your term ends, but then you may face a different rate when you renew.

That’s why it’s important to review your mortgage regularly and compare it with other options in the market. You may be able to save money by switching to a lower rate or a better deal.

At Chester Advisory, we have expert mortgage brokers who can help you find the best mortgage for your needs - get in touch today!

https://bit.ly/3Io5UFR

28/08/2023

Are you a first-time home buyer in Queensland? If so, there is a mix of great incentives and grants from the local, state and federal governments, as well as from your super fund. Here are some of the benefits you can use as a first home buyer in Queensland:

- State government grants: You can get up to $15,000 to buy or build a new home, or $5,000 to buy a new home in regional Queensland, under the First Home Owner Grant and the Regional Home Building Boost Grant .

- Federal government incentives: You can access up to $50,000 of your voluntary super contributions, or get a guarantee from the federal government to buy a home with a deposit as low as 5%, under the First Home Super Saver Scheme, the First Home Loan Deposit Scheme, the New Home Guarantee, or the Family Home Guarantee.

- Transfer duty concessions: You can reduce or eliminate the amount of transfer duty (also known as stamp duty) you need to pay when buying a home, depending on the value of the property and your eligibility criteria.

As you can see, there are plenty of opportunities for first-time home buyers in Queensland to get financial assistance and make their dream a reality. But how do you navigate these options and find the best one for your situation?

That’s where Chester Advisory comes in!

Reach out today for an exploratory chat with one of our mortgage brokers to see how we can help you get onto the property ladder…

18/08/2023

Attention homeowners...

Did you know that an estimated 900k fixed-rate loans are set to expire soon? That’s right, nearly a million mortgages are due to expire this year and next.

Don’t leave it too late to take action!

Chester Advisory can help you secure the best terms for your mortgage renewal so you’re fully prepared. Contact us today and let our expert advisors guide you through the process. We’ll help you evaluate your options, negotiate on your behalf, and secure your financial future. Act now and get ahead of the game!

https://bit.ly/3Io5UFR

09/08/2023

Choosing the right loan for your investment strategy is crucial to achieving your financial goals. So whether you're a seasoned investor or just starting out, here are a few loan options to consider that can help you maximise your investment potential. Let's dive in!

1️⃣ Standard Variable Loans: Flexibility and Control 💼

A flexible loan with a variable interest rate can change with the market, allowing you to take advantage of any rate decreases but with the freedom of extra repayments or early pay-off without penalties.

2️⃣ Fixed Rate Loans: Stability and Budgeting 🏠

For investors seeking stability and predictable repayments, fixed-rate loans are an excellent choice. With a fixed-rate loan, interest rates remain unchanged for a time period and allow you to budget for consistent repayments with confidence over the term.

3️⃣ Construction Loans: Building Your Investment Portfolio 🏗️

If you're considering property development or new build investment, a construction loan could be considered. These loans provide funds in stages throughout the construction process, giving you the necessary capital to complete your project.

4️⃣ Line of Credit Loans: Accessing Equity for Growth 💪

Also known as an equity loan, this is great for investors looking to leverage their existing equity. You can access funds up to a pre-approved limit based on the equity you've built in your property and can come with the flexibility to draw funds ‘as needed’ for investors pursuing multiple opportunities.

If you have any questions or need personalised advice on choosing the right loan for your investment goals, please reach out.

Address

76 Skyring Terrace
Newstead, QLD
4006

Website

http://www.chesteradvisory.com.au/

Alerts

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

Contact The Business

Send a message to Chester Advisory:

Shortcuts

Want your business to be the top-listed Finance Company in Newstead?