PierPoint Lending

15/10/2026

If your home seems to get a little smaller every year, you’re not alone. A new baby, a busy toddler or teenagers who need their own space can turn the move to a bigger home from a nice idea into a critical need. Brisbane’s market has shifted in ways that can work in an upgrader’s favour, but interest rates have moved too. Here’s what that means for your next move, and how to approach it with confidence.

08/10/2026

Offset and redraw both cut the interest on your home loan. That’s where the similarity ends.

On paper, the two look interchangeable. In practice, they treat your money very differently: who controls it, how quickly you can get to it, and what happens at tax time if your home ever becomes an investment property. Pick the wrong one at the start and you can lock in a problem that’s expensive or impossible to undo later.

Here’s the plain-English version of what each one does, where the difference really matters, and how to decide which suits you.

Offset and redraw both cut the interest on your home loan, but they treat your money very differently: who controls it, how quickly you can get to it, and what happens at tax time if your home ever becomes an investment property.

30/09/2026

A few weeks ago, a client came to us after being turned down by his own bank. He’d run a successful trades business for six years, his income had grown every year, and he couldn’t understand why he’d been declined. It turned out the issue had nothing to do with how much he earned. It was how his income had been presented. This is one of the most common situations we see at PierPoint Lending, and it’s seldom about whether a self-employed applicant earns enough.

Lenders assess self-employed applicants differently to PAYG employees because business income is inherently less predictable and harder to verify from a payslip alone.

28/09/2026

PierPoint Lending: Finance With Heart, Expertise and Integrity

For many people, navigating the lending world can feel overwhelming. That’s why having the right expert by your side makes all the difference

Pier Point Lending offers personalised mortgage advice and genuine care, helping locals make confident, informed financial decisions.

25/09/2026

At PierPoint Lending, one of the most common questions we get is “should I fix or stay variable?” The good news is you can choose both!

A split loan lets you put part of your mortgage on a fixed rate and part on a variable rate, so you're not staking the whole loan on a single outcome.

14/09/2026

If you have a home loan with HSBC or a Suncorp Bank account, two separate deals, one affecting HSBC's home loan customers and the other affecting Suncorp Bank customers, are reshaping who actually holds and manages your money.

14/09/2026

If you have a home loan with HSBC or a Suncorp Bank account, you have probably already had a letter, an email, or seen a headline about changes coming your way. Two separate deals, one affecting HSBC’s home loan customers and the other affecting Suncorp Bank customers, are reshaping who actually holds and manages a very large slice of Australian mortgages. Neither change was something customers asked for, and neither is optional. What does this mean for your loan, and what can you do about it?

If you have a home loan with HSBC or a Suncorp Bank account, two separate deals, one affecting HSBC's home loan customers and the other affecting Suncorp Bank customers, are reshaping who actually holds and manages your money.

11/09/2026

If you’ve spent the last few years watching Brisbane’s property market race ahead of your savings, you’ll be pleased to know that the heat is finally coming out of the market. Prices have eased slightly from their peak, listings are up, and homes are taking longer to sell. For buyers who have felt locked out, this is positive news. It doesn’t mean Brisbane has suddenly become cheap, but it does mean the balance of power is moving, even if only a little, back towards the people trying to buy.

If you’ve spent the last few years watching Brisbane's property market race ahead of your savings, you’ll be pleased to know that the heat is finally coming out of the market.

08/09/2026

The Sandgate Guide recently featured PierPoint Lending’s Adam Bailey as the cover story of its September 2026 issue, celebrating the role local business owners play in the community (read the full story at sandgateguide.com.au). It’s a reminder of something we believe strongly at PierPoint Lending: being part of a community isn’t just good citizenship, it’s good practice. For a mortgage broker, local knowledge does more than build goodwill. It directly shapes the quality of advice a client receives, from how a property is assessed to how a loan is structured.

For a mortgage broker, local knowledge does more than build goodwill. It directly shapes the quality of advice a client receives, from how a property is assessed to how a loan is structured.