Lighthouse Home Loans

Lighthouse Home Loans Finding the right loan products to suit our clients financial needs and future goals We are here to help

At Lighthouse Home Loans, we make the complicated seem simple and focus on providing our clients with jargon free solutions. We are so passionate about our local community and the financial industry that this combined with a panel of over 30 lenders to choose from you can be rest assured that you will receive the best possible service and the best possible loan for you. So whether you are purchasi

ng, constructing, investing or want to make sure your current loan is still the right one for you, pop in to see us or give us a call today.

💡Negative gearing is changing — here’s what you need to know.Following the 2026 Federal Budget, the Government has propo...
03/06/2026

💡Negative gearing is changing — here’s what you need to know.

Following the 2026 Federal Budget, the Government has proposed limiting negative gearing to new residential builds from 1 July 2027.

🏠 What’s the goal?

To improve housing affordability and support first home buyers by reducing investor tax advantages on existing homes and encouraging investment in new housing supply.

In short:
➡ Existing properties held before 12 May 2026 are expected to be grandfathered
➡ Established properties bought after that date may no longer allow rental losses to be offset against wages or salary
➡ Unused losses may be carried forward
➡ The changes have been announced, but are not yet law

This is a significant proposed reform that could reshape property investment decisions in Australia.

💡Happy Birthday Jye!We hope you have a wonderful day celebrating and that the year ahead brings you plenty of happiness ...
02/06/2026

💡Happy Birthday Jye!

We hope you have a wonderful day celebrating and that the year ahead brings you plenty of happiness and success. Thank you for everything you do for your team and clients. Your hard work and dedication are truly appreciated. 🎉🎂🎈

💡When is the last time you reviewed your home loan? Some things to consider; ➡ Is your current home loan still working f...
22/05/2026

💡When is the last time you reviewed your home loan?

Some things to consider;

➡ Is your current home loan still working for you?
➡ Could you get a cheaper interest rate?
➡Are you considering fixing some or all of your home loan?

Reviewing your loan could save you cash, reduce stress, and help you plan for life's big moments—be it holidays, renos, or starting a business.

Don’t pay more than you should, make your home loan work for you!

If you haven't reviewed your home loan recently, contact us - we would love to help!

💡Community We are proud to once again sponsor the Junior Falcons team at Fairy Meadow Netball Club We wish the team a fa...
18/05/2026

💡Community

We are proud to once again sponsor the Junior Falcons team at
Fairy Meadow Netball Club

We wish the team a fantastic season filled with confidence, teamwork and success, and hope each player enjoys the opportunity to grow, have fun and make lasting memories along the way.

Go the Falcons!! 💛🖤

💡RBA Cash Rate IncreaseIn unwelcome but unsurprising news, the Reserve Bank of Australia (RBA) has decided to increase i...
05/05/2026

💡RBA Cash Rate Increase

In unwelcome but unsurprising news, the Reserve Bank of Australia (RBA) has decided to increase its cash rate target by 0.25% to 4.35%.

💡Thinking about a fixed-rate home loan?Fixed rates can be a great option if you want repayment certainty while rates are...
04/05/2026

💡Thinking about a fixed-rate home loan?

Fixed rates can be a great option if you want repayment certainty while rates are moving around. Before you lock one in, it’s worth checking the comparison rate, any upfront or ongoing fees, and what happens if you need to refinance or pay out the loan early (break costs can be significant).

Are you leaning fixed, variable, or a split loan right now?

💡Illawarra Women in Business Awards 🌟On Friday, our team attended the Illawarra Women in Business Awards lunch. We were ...
28/04/2026

💡Illawarra Women in Business Awards 🌟

On Friday, our team attended the Illawarra Women in Business Awards lunch. We were honoured to be named a finalist in the Best Small Business and Outstanding Customer Service categories. Congratulations to the deserving winners and highly commended businesses. It was a fantastic celebration and a pleasure to see local businesses supporting one another

💡Client Feedback We love hearing feedback from our happy clients 😀
24/04/2026

💡Client Feedback

We love hearing feedback from our happy clients 😀

💡Are you paying a "loyalty tax" on your home loan? 🏡💸 Many mortgage holders don’t realise banks often charge loyal custo...
08/04/2026

💡Are you paying a "loyalty tax" on your home loan? 🏡💸

Many mortgage holders don’t realise banks often charge loyal customers higher interest rates than new ones. If you’ve stuck with the same lender, you could be forking out thousands more over time – just for being loyal!

Banks lure new customers with low rates and special deals, but existing clients can see their rates creep up. Don’t let your loyalty cost you. Review your home loan regularly, negotiate your rate, or consider refinancing to save on your mortgage.

Stay smart, keep more money in your pocket, and make your home loan work for you!

💡ANZ has recently become the final major bank to join the Lender panel for the Australian Government 5% Deposit Scheme (...
26/03/2026

💡ANZ has recently become the final major bank to join the Lender panel for the Australian Government 5% Deposit Scheme (formerly known as the Home Guarantee Scheme).

In addition to the Big Four banks, several smaller banks and non-bank lenders are participating in the scheme, providing greater choice and enhanced accessibility for home buyers across Australia.

Further lenders are expected to join the panel over the course of 2026, with updates to be reflected on the First Home Buyer website as new lenders commence accepting applications.

This scheme allows eligible first home buyers to purchase a property with a deposit as low as 5%, without the requirement for Lenders Mortgage Insurance.

Our team holds accreditation with multiple lenders currently involved in the scheme. With extensive experience in First Home Buyer transactions, we are well-positioned to guide and assist you throughout your home purchasing process.

Address

276 Keira Street
Wollongong, NSW
2500

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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