Lending on Coastal

Lending on Coastal Brisbane Mortgage Broker assisting home buyers and property investors with home loans, investment finance, and personalised mortgage advice.

16/06/2026

Price breakdown on this Victoria Point home 🏡

Thinking about buying? I can run the numbers based on your situation.

09/06/2026

One of the biggest misconceptions I see is that the cheapest interest rate automatically means the best loan.

Rate is important, but it's only one piece of the puzzle.

If you're trying to access equity, refinance, or purchase an investment property, factors such as lender policy, servicing and property valuation can all influence what's possible.

Sometimes the lender with the sharpest rate isn't the lender that best aligns with your goals.

That's why it's important to look at the whole picture, not just one number.

General information only. Lending outcomes and borrowing capacity will vary based on individual circumstances.

08/06/2026

🚫 MYTH: You need a 10% deposit to buy an investment property.

Not always.

Many people rule themselves out before they’ve even explored their options because they assume they need a huge deposit sitting in the bank.

The reality? Every situation is different. Lenders look at more than just your deposit, including:

✅ Your income
✅ Existing debts
✅ Living expenses
✅ Expected rental income from the property

I’ve had plenty of conversations with people who thought they were years away from buying, only to discover they were much closer than they realised.

Before you assume you can’t do it, get the facts.

07/06/2026

Most people think banks only care about your income and deposit.

The reality? They also look at your spending habits and account conduct when assessing a home loan application.

Three common red flags:
🚩 Regular gambling transactions
🚩 Buy Now Pay Later accounts
🚩 Frequently running accounts down to zero or overdrawn

None of these automatically mean you’ll be declined, but they can raise questions during the assessment process.

If you’re planning to apply for a home loan in the next few months, it’s worth understanding what a lender might see when they review your bank statements.

Which one surprises you the most?

05/06/2026

🚨 Mortgage Myth Busters 🚨

“Interest-only loans are just for people who can’t afford principal and interest repayments.”

I hear this one all the time.

The reality is many property investors choose interest-only lending for strategic reasons, not because they can’t afford higher repayments.

For some, it can provide additional cash flow flexibility that can be used elsewhere within their overall financial strategy.

The key is understanding that interest-only isn’t a forever solution. Having a plan for what happens when the interest-only period ends is just as important as choosing the loan itself.

Have you heard this myth before?

04/06/2026

Something you won’t regret until after 😂
Let me help you make a more informed decision!

02/06/2026

One of the biggest mistakes I see investors make is focusing on how many properties they own.

I’ve seen investors with one property in a stronger position than investors with five.

Why?

Because the number of properties isn’t what matters.

✅ Equity matters

✅ Cash flow matters

✅ Borrowing capacity matters

✅ Having a portfolio that helps you move forward matters

Owning more properties doesn’t automatically put you in a better position.

A well-structured portfolio with strong fundamentals will generally outperform chasing property numbers for the sake of it.

Quality over quantity every time.

How many properties do you think someone needs before they can consider themselves successful?

02/06/2026

I always encourage my clients to have a clear goal but it also doesn’t hurt to dream big, which 2 would you choose 👇

21/05/2026

Most people think guarantor loans are only for first home buyers 👀

But something a lot of people don’t realise is they can potentially be used in other situations too, including helping existing homeowners who may not yet have enough usable equity for their next purchase.

That doesn’t mean it’s right for everyone. There are risks involved, lender policies differ, and every situation is different.

But if you’ve been told “you just need to wait and build more equity”, there may be other conversations worth having.

Have you heard of this before? 👇

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4 Middle Street
Liège
4163

Website

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