Campbell and Barr Finance

Campbell and Barr Finance Mortgage Brokering Service. Residential, Commercial, Investors, Development and SMSF

If you're one of the huge number of homeowners who made the most of the previous low interest rates and committed to a f...
26/10/2025

If you're one of the huge number of homeowners who made the most of the previous low interest rates and committed to a fixed rate on your home loan, you'll be all too aware that this is coming to an end.

Before your loan switches to a variable rate we encourage you to plan ahead and get clear on your options.

Keep in mind that lenders tend to reserve their most competitive rates for new customers, so it may be worth switching to another lender.

However, as we always say, the interest rate isn't the only important factor in a home loan.

If you want to make sure your home loan is serving your best interests, get in touch and we can help you crunch the numbers and give you insight into what's on offer in the market.


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

First off, let us point out these ideas might not make sense for your unique situation. For tailored guidance, reach out...
23/10/2025

First off, let us point out these ideas might not make sense for your unique situation. For tailored guidance, reach out to us for a no strings chat.

In the meantime, to give you some inspiration, here are five smart ways you can pay off your mortgage faster:
– Switch to fortnightly payments
– Refinance to a lower rate
– Pay extra when possible
– Avoid unnecessary fees
– Use an offset account



https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

Most home loans go through a mortgage broker these days, but if you haven't used a good one before you may wonder what t...
19/10/2025

Most home loans go through a mortgage broker these days, but if you haven't used a good one before you may wonder what the fuss is about.

Think a mortgage broker just helps you find a loan? Here’s what we really do:
- Compare hundreds of options against your property strategy
- Handle the paperwork so you don’t have to
- Explain confusing terms and hidden costs
- Advocate for you with the banks

We make the home loan process simple, stress free, and tailored to your unique needs.

Tell us, if you haven't used a broker yet, what's stopping you?


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

Madam CJ Walker was the first female self-made millionaire and certainly someone who overcame a lot of adversity in her ...
17/10/2025

Madam CJ Walker was the first female self-made millionaire and certainly someone who overcame a lot of adversity in her life.

We love this quote - and we bet it resonates with our small business clients, who are constantly creating opportunities in their businesses.

What opportunities are you mining, that no one else will?


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

People are often surprised to hear we don’t charge a fee to help them find the right loan product. Instead, we’re paid a...
14/10/2025

People are often surprised to hear we don’t charge a fee to help them find the right loan product. Instead, we’re paid a commission by the lender.

It's our job to be across thousands of loan products and to scour the market to find you one that:

- Suits your needs now and into the future
- You have a good chance of being approved for
- Will be processed within the timeframes you require.

And to address the elephant in the room: these commissions are more-or-less the same amongst lenders and in no way influences which solutions we present to you.

Get in touch to get started.


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

For most of us, a home loan is the key to buying property, but there's a fortunate cohort who are paying cash for their ...
11/10/2025

For most of us, a home loan is the key to buying property, but there's a fortunate cohort who are paying cash for their new homes.

In the 2024 financial year, 25% of homes were bought without a mortgage in Australia's biggest states, NSW, VIC and QLD.

🌳🌊 Downsizers, treechangers, and seachangers are leading the way, snapping up regional properties without the need for a mortgage.

If your goal is to be mortgage-free sooner, get in touch and we can explore your options together.


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

🏠💰Investors are snapping up homes 5x faster than owner-occupiers! – Investment loan approvals increased by 15% in the pa...
08/10/2025

🏠💰Investors are snapping up homes 5x faster than owner-occupiers!
– Investment loan approvals increased by 15% in the past year
– Owner-occupier loan approvals grew by just 3%

The housing game is shifting and many first home buyers are struggling to keep up.

If you want help to enter the property market, you need an expert in your corner. Reach out today.


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

As the saying goes, 'Some of us grew up playing with tractors and trucks. The lucky ones still do.' But for those of us ...
05/10/2025

As the saying goes, 'Some of us grew up playing with tractors and trucks. The lucky ones still do.'

But for those of us who aren't living out our childhood dreams, there's still hope.

If you have plans to start your own business, or go all in on your side hustle, we can help.

We offer a range of finance options, including invoice finance and equipment finance, to help you get your business off the ground.

Get in touch for ethical, switched on guidance on all things business finance.


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

Let's celebrate your money wins! Big or small, it's important to acknowledge what you're doing to secure a stronger fina...
02/10/2025

Let's celebrate your money wins!

Big or small, it's important to acknowledge what you're doing to secure a stronger financial future.

It could be as simple as finally cancelling one of your five streaming subscriptions, or hitting your one month milestone of not using UberEats!

Comment one of your recent money wins 🎉💰


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

Budgeting sounds very restrictive, and if you've never done a budget before, perhaps you're putting it off because you e...
29/09/2025

Budgeting sounds very restrictive, and if you've never done a budget before, perhaps you're putting it off because you expect it to be fun-sapping.

But trust us, a reasonable budget will factor in enough frivolous spending to keep life interesting!

We know that depriving yourself for too long isn't sustainable.

What do you think? Do you budget for fun things, too?


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

The interest rate isn't always the most important feature of a home loan, but it's certainly part of the puzzle.Latest d...
28/09/2025

The interest rate isn't always the most important feature of a home loan, but it's certainly part of the puzzle.

Latest data from Canstar shows the average variable rate is 6.82%, although we can expect this to drop a little soon.

So, how healthy is your home loan? If you're not sure, get in touch and we'll help you understand your options.


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

When you're going for a home loan, there's only so much you can cut your expenses by.Another way to improve your borrowi...
26/09/2025

When you're going for a home loan, there's only so much you can cut your expenses by.

Another way to improve your borrowing power is of course to earn more. Easier said than done, right?

Not impossible, though.

Here are five steps to take when negotiating a pay rise:
1. Find out how much your experience and expertise are worth
2. Provide specific examples of how you go above and beyond
3. Quantify the additional value you deliver the company
4. Practice your pitch and don't get emotional
5. And last, if your employer says no, don't take it personally – a lot of businesses are also doing it tough. Ask them instead if you can make a plan for how to increase your salary, whether it's taking on more responsibility, undertaking training or switching to another department.

And what not to do: rising costs of living, interest rates, housing affordability aren't compelling reasons for the business owner to say yes to a pay rise (beyond the usual CPI increase). Stick to why granting the pay rise makes good business sense.

Let us know if you're planning to ask for a pay rise.


https://bit.ly/436DGd4

Ian 0410 896 942

Matt 0402 457 803

Laurence 0493541013

[email protected]

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Sydney, NSW
2000

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