Contour Finance

Contour Finance Are you buying a new home or looking at purchasing an investment property? Contour Finance can help We do this by

1.

Since 2009, Contour Finance has been helping clients get ahead. Whether you’re a first home buyer, relocating, upgrading or purchasing an investment property, we can help you find the lender and loan that’s right for you. Understanding your goals, so we can tailor our recommendations to your needs

2. Finding the most suitable solution, by sourcing a range of lending options for you

3. Providing

ongoing support, with regular reviews of your loan and rate

Let our expertise take the stress out of borrowing and give you the confidence you need to move ahead. Contact us on 02 9925 3930 or [email protected] to get started. You can also reach out to our team directly:
Gary Fowler: 0414 792 287
Justin Dale: 0403 501 529

As another RBA meeting approaches, the predictions are flying and clickbait healines are clickbaiting.What we do know is...
14/06/2026

As another RBA meeting approaches, the predictions are flying and clickbait healines are clickbaiting.

What we do know is some major banks (CBA and ANZ) believe there will be no change to interest rates because of combination of rising unemployment and slowing economic growth.

So what's the RBA watching to make their decision?

• Inflation and whether it continues to ease.
• Employment levels and signs of a slowing economy.
• Household spending and consumer confidence.
• Global events, including oil prices and overseas economic pressures.

The challenge for the RBA is balancing inflation without pushing the economy into a deeper slowdown.

The reality is nobody knows exactly what will happen next. But we've been in the mortgage broking industry around 30 years - we've seen it all!

That's why we focus on what we can control:
✔ Reviewing your loan regularly
✔ Ensuring your loan structure still suits your goals
✔ Having a strategy regardless of whether rates go up, down, or stay the same

If you'd like a free Finance Health Check, contact our team today via dm or through our bio.

Gone are the days when everyone worked the same full-time or part-time job. Today, Australians earn income in many diffe...
10/06/2026

Gone are the days when everyone worked the same full-time or part-time job. Today, Australians earn income in many different ways. In fact, around 64% of Australian businesses are self-employed businesses with no employees, and over 97% of Australian businesses are classified as small businesses.

So if your income isn't straightforward, don't rule yourself out of being able to purchase property before having a conversation with us.

Being self-employed, a contractor or freelancer doesn't automatically put home ownership out of reach. It simply means working with a broker who understands how different lenders assess different types of income.

There are more opportunities available than you realise.

Send us a DM, give us a call, or visit our website to start the conversation.

Did you know the average Australian homeowner gained $82,000 in equity in 2026? For many people, that's a deposit they d...
09/06/2026

Did you know the average Australian homeowner gained $82,000 in equity in 2026? For many people, that's a deposit they didn't know they had access to.

Using your existing equity to enter the investment market is one of the most common strategies we help clients with (even in today's climate!). You don't need a new cash deposit, you use what you've already built.

DM us or visit the link below to book a free Finance Health Check - we love these types of conversations!

Source: PropTrack

When was the last time you had your home loan reviewed? Now more than ever, reviewing home loans are a necessity. That's...
07/06/2026

When was the last time you had your home loan reviewed? Now more than ever, reviewing home loans are a necessity. That's why we review our clients’ home loans every 6–12 months.

Circumstances change a lot over a year. We've had clients that have:

➡️ Started a family, or
➡️ Have family moving out of home

Some clients incomes have increased and others have dropped a salary as situations change.

Othertimes, we review our client's home loans and let them know they're in a strong position and to keep going.

We protect our clients from all angles, and that’s why people trust us with one of the biggest financial commitments of their lives.

From Western Australia to Sydney, Ayers Rock to Adelaide, Townsville to Tasmania, we’re proud to support Australians with strategic mortgage guidance that evolves as life evolves.

It seems nearly 40% of Australians are now using AI tools and online calculators to research home loans before speaking ...
04/06/2026

It seems nearly 40% of Australians are now using AI tools and online calculators to research home loans before speaking to a mortgage broker.

We get it. AI can compare interest rates quickly. It can estimate borrowing power. It can answer general mortgage questions in seconds.

But our conversations with clients includes the human side behind the numbers.

We focus on getting approved for a home loan based on.

✅ your income structure
✅ your future plans
✅ your lifestyle goals
✅ lender policy differences
✅ borrowing capacity
✅ long-term sustainability,
✅ finding a home loan that actually works for your lifestyle

That’s where personalized mortgage advice matters.

Research gives you information, but speaking with a mortgage broker gives you nuance, guidance, strategy, and human understanding that AI can’t replicate.

If you’re researching to understand your borrowing options, we’re always happy be that human face to have that conversation. We offer a free, Finance Health Check to ensure you are in the best position.

Source: 2026 AI and Search Behavior Study by Eight Oh Two

As mortgage brokers it is our literal job to not only get you the ideal home loan but to also revisit the loan periodica...
28/05/2026

As mortgage brokers it is our literal job to not only get you the ideal home loan but to also revisit the loan periodically to ensure you are not paying any 'loyalty tax'.

It’s a price we never want our clients to pay.

If you're not sure what a loyalty tax is - it's when existing customers stay on older loan products and higher interest rates, while banks advertise lower rates to attract new customers.

You should never have to worry about your home loan. They also shouldn’t be a “set and forget.”

Sometimes a quick review can uncover opportunities you didn’t even realise were available.

If you’re not sure whether you are paying a loyalty tax, feel free to reach out for a free home loan health check and we can have a chat about it. 👇

The cheapest rate doesn’t always equal the best loan. Having the right mortgage structure for your situation can impact:...
27/05/2026

The cheapest rate doesn’t always equal the best loan. Having the right mortgage structure for your situation can impact:

➡️ How quickly you reduce your debt
➡️ Your cash flow flexibility
➡️ How much interest you pay over time
➡️ Your ability to adapt as life changes

Over the last week, there has been much talk about the interest rate rise... without taking into consideration that fees, offsets, repayment flexibility, and overall structure can make a huge difference long-term.

If you’d like to explore what the right structure could look like for you, we’re always happy to have that conversation.

Walking 35km in the Bloody Long Walk got me thinking about our clients’ home loan journeys.Preparation, structure, strat...
26/05/2026

Walking 35km in the Bloody Long Walk got me thinking about our clients’ home loan journeys.

Preparation, structure, strategy, and guidance throughout the journey gets you through to the finish line.

Then comes the outpouring of relief, achievement and then pride.

When you’re ready to start your home loan journey, DM us or contact us via the link below.

Oh! If you'd like to support the Bloody Long Walk and help fund research into mitochondrial disease, we’d truly appreciate it: https://blwlk.co/w/JustiDal

Australia’s housing market is not moving in one direction, every city has its own story.Perth is still leading, Brisbane...
18/05/2026

Australia’s housing market is not moving in one direction, every city has its own story.

Perth is still leading, Brisbane and Adelaide remain strong, while Sydney and Melbourne have cooled compared with the faster-growth markets.

Some cities are moving on price growth, others are standing out more for rental returns or a steadier pace.

That’s why it helps to look beyond headlines and understand what your local market is actually doing.

If you want help understanding what this means for your next move, talk to us.

Pre-approval gives you borrowing power, but it’s not a guarantee. Lender reassessment, property valuation, or document i...
13/05/2026

Pre-approval gives you borrowing power, but it’s not a guarantee. Lender reassessment, property valuation, or document issues can still affect final approval especially in competitive auctions where timing matters. We help you understand the risks and prepare properly.

Contact us for a free Finance Health Check before making your next property move.

Address

Level 10, Suite 1003, 83 Mount Street
North Sydney, NSW
2060

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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