Justin Dale - Mortgage Broker

Justin Dale - Mortgage Broker Home Loan and Financial Services Specialist Specialise in Home Lending, Commercial Lending, Motor Vehicle and Asset Finance

"Highly recommend Justin and the team at Contour Finance - Justin and the team were amazing during the journey of buying...
04/09/2026

"Highly recommend Justin and the team at Contour Finance - Justin and the team were amazing during the journey of buying my first home.... I initially started talking and preparing 18 months before I was able to secure a place (which settled in June) and Justin was knowledgeable, patient, and keen to set manageable goals to get closer to buying a home from the get go. As we got closer, things got a little tricky at times and Justin was always happy to answer any questions and made the process stress-free. Before, during, and after we got our home loan, the team have continued to check in and provide guidance when we have questions and that has been greatly appreciated and made things easy (in an area that is quite daunting at times!)."

- Tabitha

So good getting that 5-star review on Google! We were thrilled to get them into their first property!

Your SMSF can be a powerful wealth-building tool if you know how to use it.Understanding the new rules, knowing what you...
28/08/2026

Your SMSF can be a powerful wealth-building tool if you know how to use it.

Understanding the new rules, knowing what you can do, and using those opportunities strategically can all play a part in building your property portfolio.

The key is understanding what type of property you can invest in, how to fund it, and how the right structure can help you build wealth over the long term.

The right advice matters, so we work alongside trusted accountants and financial advisers to help you navigate the strategy and lending options available to you.

Want to be smarter with your SMSF and explore whether property could form part of your wealth-building strategy? Talk to me about your options.

24/08/2026

We've had several clients reach out, concerned about the headlines surrounding banks and offset accounts.

And our clients are reassured because checking your loan after settlement is something we've always done.

Our post-settlement process:

➡️ Settlement: Your loan settles.
➡️ Within 2 weeks: We check with the lender that your loan and offset account have been set up and linked correctly.
➡️ Around 6 weeks: We check that your first repayment has come out correctly.
➡️ At 12 months: We conduct a rate review with your existing lender.

A home loan can be with you for 20 or 30 years. We don't believe our job ends the day it settles. It's not just a transaction. It's an ongoing relationship, and we've got your back.

ASIC’s review of mortgage offset accounts uncovered widespread failures across major banks, with customers losing intere...
11/08/2026

ASIC’s review of mortgage offset accounts uncovered widespread failures across major banks, with customers losing interest savings on hundreds of thousands of home loans. Yikes!

ASIC had found that offset accounts at eight lenders were frequently not set up, linked or monitored correctly, leading to hidden overcharging of interest and slow, patchy remediation.

We have always checked, after settlement, that everything is working the way it should.

✔ We confirm your loan has been established correctly with the lender.
✔ We check your offset account is linked correctly (if you have opted-in for one).
✔ We make sure your direct debits have been set up properly.
✔ Within the first two weeks, we send you a confirmation email once we've completed our checks.
✔ Around your first repayment, we follow up again to make sure your repayments are coming from the correct account.
✔ Every year, we review your loan with your lender to help ensure you're still receiving one of their best available rates.

These aren't new processes for us.

They're checks we've been carrying out for our clients since we started helping people with home loans.

If you want that extra safety net when getting a home loan, come and have a conversation with us.

Meet the team working behind the scenes making your home loan approvals easier. Our incredible Philippines team celebrat...
31/07/2026

Meet the team working behind the scenes making your home loan approvals easier. Our incredible Philippines team celebrated EOFY together and we thank them for their dedication, loyalty and for supporting our work.

Many of our team members have been with us for years. They know our mortgage loan administration processes inside and out, and their attention to detail is second to none.

We look foward to another successful year together!

One of the biggest misconceptions we see as mortgage brokers is people focusing only on how much they can borrow.That's ...
17/07/2026

One of the biggest misconceptions we see as mortgage brokers is people focusing only on how much they can borrow.

That's only half the equation.

The other half is called 'holding capacity'.

Borrowing capacity is what a lender is prepared to lend you based on your income, expenses, and financial position.

Holding capacity is whether owning that property still feels comfortable six months, two years or even five years down the track.

When we help clients choose a loan, we're not looking at whether the bank will approve it. We also talk about:

✔ How repayments fit within your lifestyle
✔ Whether you'll still have money left for the things that matter
✔ How future interest rate changes could affect you
✔ Your long-term property and financial goals

If you're thinking about buying, investing, or refinancing and want to look at the full picture, let's go through a Finance Health Check first. It could make all the difference.

Visit the link below.

Did you know that from 1 July 2026, the $20,000 instant asset write-off has been made permanent for eligible small busin...
15/07/2026

Did you know that from 1 July 2026, the $20,000 instant asset write-off has been made permanent for eligible small businesses.

So, if you're thinking about upgrading equipment, vehicles, technology, or business tools this financial year, it may be worth planning the purchase properly.

The smartest move isn’t just what you buy, but how you fund it.

The right finance structure helps you invest in your business while keeping cash available for wages, stock, suppliers, and day-to-day operations.

We’re not accountants, so you should always speak to your accountant about tax advice.

But if you’re considering new equipment or business assets this financial year, we can help you understand your commercial finance options before you make the purchase.

Let's have that conversation.

Reach out via DM or visit the link below.

How much you can borrow to buy a home isn't the only number that you need to take into consideration.Before you buy, it'...
12/07/2026

How much you can borrow to buy a home isn't the only number that you need to take into consideration.

Before you buy, it's important to budget for the upfront costs that come with purchasing a property, including:

✔️ Stamp duty (where applicable)
✔️ Conveyancing and legal fees
✔️ Building and pest inspections
✔️ Moving costs
✔️ Lenders Mortgage Insurance (LMI), if applicable
✔️ Loan application or settlement fees, depending on your lender

Knowing these costs upfront helps you avoid surprises and make the buying process much less stressful.

DM or visit the link below as we help you through this process.

This is the second time I’ve used Contour Finance for a property purchase and they’ve been outstanding again. On both oc...
09/07/2026

This is the second time I’ve used Contour Finance for a property purchase and they’ve been outstanding again. On both occasions they made the process smooth and significantly less stressful. Gary and Jess were fantastic, handling the financials end‑to‑end and dealing directly with the lawyers (lawyers' feedback was also very positive, commenting on how professional and across it all Gary was). A highly capable team and a pleasure to work with. Would absolutely recommend!"

- Kirsty

Thank you so much for your review Kirsty! We so appreciated the trust you had in us in dealing with gaining a home loan your second property. Until next time!

As a business owner, the new financial year is the perfect time to look at the possibilities of commercial lending.Your ...
05/07/2026

As a business owner, the new financial year is the perfect time to look at the possibilities of commercial lending.

Your business has probably changed over the past 12 months. Your income, profits, expenses, or goals may look very different from this time last year. That could mean there are better lending options available, or opportunities you didn't qualify for before.

A 15-minute conversation now could uncover opportunities that save you money or bring your property goals closer.

DM or visit the link below so we can review your options together.

Address

Level 10, 83 Mount Street
North Sydney, NSW
2060

Opening Hours

Monday 9am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm

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