Yellow Brick Road Townsville

08/08/2026

We know that when you're renting, every little bit matters. While saving for a deposit while renting is a challenge, it's not impossible. Contact us to find out the pathways and plan to work towards your deposit goals. [email protected]

03/08/2026

Fixed. Variable. Or how about a mix of both types of interest rates?

Choosing a home loan is one of the first big decisions you will make in your property journey, and one that can shape how your repayments feel over time. Some people prioritise certainty. Others prefer flexibility. And for many, the right answer truly depends on you.

Clarity starts with understanding how each option works and what it means for you.

28/07/2026

From rent-vesting to guarantor loans, there are different paths to your first home and the right one depends on your situation, not a rulebook. Because getting into the market isn’t just about how much you have saved up. It’s about knowing what’s possible.

23/07/2026

The home buying journey can be different for everyone. The first step? It's not usually house hunting. Start with understanding your numbers.

A clear budget helps shape everything that comes next:
• What you can comfortably borrow
• Which government schemes you may be eligible for
• Which lenders might suit your situation
• What your repayments could actually look like

Once that’s clear, the process starts to feel a lot more manageable.

19/07/2026

The 5% Deposit Scheme can help eligible borrowers enter the property market sooner. But there are important eligibility rules to understand.

Under the Scheme, buyers are generally required to:
• Move into the property within 6 months
• Continue living in the property while the home loan is supported by the Guarantee

It’s one of the many reasons understanding the fine print early matters.

14/07/2026

It's worth resharing to emphasise the impact of rate hikes on existing mortgage holders, but also on those looking to take out their first home loan.

Existing mortgage holders are wearing higher repayments after three rate hikes in 2026. And for anyone looking to take out a home loan, every rate hike that lenders pass on can chip away at your serviceability, the amount a lender will let you borrow.

Here is the interesting part: in the lead-up to June's pause to the cash rate, some lenders actually started lowering their introductory rates, with a couple of the majors trimming fixed offers, to compete for new business.

The point to all of this? The cash rate is only half the story. Lenders move on their own timeline, so the sharpest deal for your situation is rarely the one making headlines.

16/12/2025

Our office will be closed from Friday 19th December and will re-open on Monday 5th January 2026 as we take a break. For urgent matters during this time, Josh will be contactable on 0407644752 or [email protected].

We'd like to thank you for supporting us this year and we are so happy to have helped many families throughout the year with all of your finance needs. We wish you a very Merry Christmas and a safe holiday period. We look forward to helping many more families in 2026!

15/12/2025

28/11/2025