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

16/09/2026

Wonder why people trust us?

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...
13/09/2026

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!)

Four months post-budget, this is what we’re seeing. There's been a LOT of social media commentary. A lot of opinions abo...
10/09/2026

Four months post-budget, this is what we’re seeing. There's been a LOT of social media commentary. A lot of opinions about housing, interest rates, investors and first home buyers, and plenty of conflicting advice about what people should do next.

We answer many questions from our clients. They want to know what the changes actually mean for them, whether they should continue to buy, invest, refinance, or just wait.

Our advice and opinions depend on your situation and on the legitimate information we have access to in lending - rather than the latest social media opinion.

Trust is vital in the mortgage broking industry. We educate so you feel secure and confident with your next property move. We're not here to sensationalise.

That's why first home buyers return to us when it's time to refinance or purchase their next property.

If you want to get a feel for us and how we operate, get our no-obligation, free Finance Health Check to see what your situation looks like.

House hunting is exciting! But before you fall in love with a property, there’s one number worth knowing - what you can ...
08/09/2026

House hunting is exciting! But before you fall in love with a property, there’s one number worth knowing - what you can realistically borrow.

It’s not as straightforward as plugging your income into an online calculator.

Different lenders assess borrowing capacity differently. With 30 years of financial relationships - that's where we come in.

We look at your finances, compare how different lenders may assess your situation and help you understand what your borrowing capacity looks like.

So when you are house hunting, you’re doing it with a realistic price range in mind and a lot more confidence!

Thinking about buying? Talk to us before the house hunt begins. Know your numbers first.

06/09/2026

"Why should I have an offset account?" - this is one of the main questions we get from our clients as we process their home loans.

Quite simply, an offset account is a bank account linked to your home loan. The money sitting in that account is offset against your mortgage balance when your lender calculates interest.

So instead of your savings just sitting there, they’re working for you by potentially reducing the amount of interest you pay on your home loan.

For example, if you have a $500,000 home loan and $30,000 sitting in your offset account, ideally, you are only charged interest on $470,000.

Offset accounts aren’t for everyone, and how much benefit you get depends on your loan, your savings and how you manage your money. But that's where our mortgage broking experience comes in. We help you work out whether an offset account makes sense for your home loan and how to use it effectively. We are always ready to have a chat. Contact us on the details below.

"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 offset account is designed to help reduce the interest you pay on your home loan. But what if it isn’t working the ...
01/09/2026

Your offset account is designed to help reduce the interest you pay on your home loan. But what if it isn’t working the way it should?

Some banks were found to have taken a ‘set and forget’ approach to their customers’ offset accounts.

The result? ASIC found instances where lenders failed to realise their own offset accounts hadn’t been set up or linked correctly. Collectively, lenders paid more than $55 million in compensation for offset failures between September 2023 and August 2025.

That sounds crazy to us as mortgage brokers!

And it should never have happened.

On our watch, it wouldn’t have.

Not sure your home loan and offset account are set up the way they should be? Get in touch and we can help you review your loan structure. Details below.

We’ve been in this business long enough to know that small changes make a big difference to your home loan over time.Her...
31/08/2026

We’ve been in this business long enough to know that small changes make a big difference to your home loan over time.

Here are 5 mortgage moves worth considering:

➡️ Consider fortnightly repayments
➡️ Keep spare cash in your offset
➡️ Put extra money to work
➡️ Keep repayments the same when rates fall
➡️ Review your interest rate

(Swipe through to find out more about why these small moves can make a difference).

Your mortgage doesn’t need to stay on autopilot for 30 years. Want to ensure your home loan is working as hard as it could be? Get in touch and let’s take a look. Details are below.

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 us 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.

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

Website

Alerts

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

Shortcuts

Share

Category