Justin Dale - Mortgage Broker

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

14/10/2026

Why aren’t renters given a fair go when it comes to buying property? Renters are already paying someone else’s mortgage through their rent. They’ve proven they can consistently meet a significant housing payment, month after month. But because it’s called rent rather than a mortgage the banks tend to view it differently.

And when a big chunk of the income is already going towards rent, building a traditional deposit at the same time can be really hard. So if you’ve approached a bank and been asked, “Where is your deposit?” despite having a solid rental history, come and speak to us.

We have access to lenders with policies that can take a strong rental history into consideration when assessing genuine savings.

Your rental ledger, payment history and evidence of consistent rent payments can help demonstrate your ability to meet regular financial commitments. Don’t assume you can’t buy just because your bank says no.

Talk to us first (link is in the bio) as there may be options you simply don’t know about yet.

As mortgage brokers, we see these the latest conditions is creating opportunities for first home buyers. BUT! The opport...
12/10/2026

As mortgage brokers, we see these the latest conditions is creating opportunities for first home buyers. BUT! The opportunity does not mean increased borrowing power.

You see, lenders don’t assess your home loan based only on the interest rate you’ll actually pay. They also apply a serviceability buffer - generally assessing whether you could still manage the loan if the interest rate was 3% higher (and there is a likelihood that it may go higher this year).

We help you understand your numbers, know your borrowing power and explore options across a range of quality lenders.

Then, when you do find the property you love, you’re in a much stronger position to make your move.

BUYERS! The market is shifting in your favour with more homes to choose from, softer prices across many areas and potent...
09/10/2026

BUYERS! The market is shifting in your favour with more homes to choose from, softer prices across many areas and potentially a little more room to negotiate.

National property listings are 12.8% higher than this time last year, and some capital cities have seen even bigger increases. So, what does that mean for you? More choice can mean less pressure to rush into a property and a more bargaining power when the right one comes along.

So, know your borrowing power before you negotiate. DM 'CHAT' so you have the numbers ready for when the right property comes along.

Sources: SQM Research, Total Property Listings, August 2026; Cotality, September 2026.

We’re incredibly grateful for our 171 five-star Google reviews and, more importantly, for every client who has trusted u...
05/10/2026

We’re incredibly grateful for our 171 five-star Google reviews and, more importantly, for every client who has trusted us with their home loan journey.

We’re here to serve you, find the right home loan for your individual situation, and continue the proven track record we’re so proud of.

81.6% of new home loans are now arranged by mortgage brokers. That’s more than 8 in 10! So, why are many Australians cho...
02/10/2026

81.6% of new home loans are now arranged by mortgage brokers. That’s more than 8 in 10! So, why are many Australians choosing to have a broker in their corner? Well, every bank and lender behave differently. Different rates. Different policies. Different ways of assessing what you can borrow.

Our job is to help make sense of it all, compare your options and find one that works for you now and in the future.

Buying, refinancing or just curious about what your options look like? DM "CHAT" or contact us to chat.

Source: MFAA / Cotality

We saw the news. Interest rates have risen again, and we were busy yesterday afternoon speaking to worried people. Our r...
29/09/2026

We saw the news. Interest rates have risen again, and we were busy yesterday afternoon speaking to worried people.

Our response was always the same: "We help you understand your numbers and options, because this gives you more control over what happens next."

So, yesterday, our conversations were about:

➡️Borrowing capacity - because if you're looking to buy, your maximum purchase price may have changed.

➡️Current interest rates - because jumping ship over a minuscule amount may be more detrimental in the long run.

➡️ Ability to refinance - because changes to borrowing capacity have affected people's ability to refinance down the track, so it’s worth understanding options now.

➡️ What new repayments look like - especially chats about what it means in $$ and how that fits with household budgets.

We have a few slots today to chat about your situation too - if you want to talk to us by the end of the week. DM 'CHAT' or visit the link to chat further.

It's going to be a productive week!

We just had an interesting conversation with a client who came to us because someone they knew had uploaded all their se...
18/09/2026

We just had an interesting conversation with a client who came to us because someone they knew had uploaded all their sensitive financial information into an AI system... and then received information that wasn’t right for their circumstances.

Income. Debts. Bank statements. Personal financial details. Yikes!

All handed over to an AI platform, without knowing where that data goes, how long it’s stored, or how it may be used.

And after all that? They still didn’t get the guidance they actually needed.

AI can be a useful tool. But when you’re making one of the biggest financial decisions of your life, there’s a big difference between getting an AI-generated answer and getting advice and a strategy that considers your individual circumstances.

If you would rather speak with a human who takes time to understand your circumstances, then dm 'HUMAN' for a confidential conversation about your options.

16/09/2026

Wondering why people trust a mortgage broker?

We love what we do and surround ourselves with people who genuinely want to help people better their lives and build wealth.

Wow, wow. Reviews like this mean so much to us.We take business relationships over transactions any day. It gives our te...
14/09/2026

Wow, wow. Reviews like this mean so much to us.

We take business relationships over transactions any day. It gives our team an absolute buzz when we help someone who may not have realised they had options, and find a way that works for their situation.

We understand that everyone comes to us with different circumstances and different goals. That’s why we take the time to listen, understand and genuinely care about achieving the best possible outcome.

Thank you for trusting us Manuela, and for your honest Google Review (which is shared below):

"I couldn’t recommend Justin highly enough. From beginning to end, he was considerate, efficient, incredibly responsive, and genuinely invested in getting the best outcome for me.

What stood out most was the level of care. I never felt like I was simply another client or transaction. Justin kept me informed throughout the entire process, answered my questions quickly and clearly, and was often responding to enquiries well outside normal business hours. He was proactive, followed things through and made sure I always knew where everything stood.

Refinancing can feel complicated and overwhelming, but Justin made the whole process incredibly easy for me. I felt supported, looked after and confident that things were being handled properly.

It’s rare to come across someone who combines this level of professionalism and efficiency with genuine care for their clients. I’m incredibly grateful for everything Justin did and wouldn’t hesitate to recommend him - in fact I already have! :)" - Manuela.

(Now that review is a chef's kiss!)

"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!

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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