How Interest Rates Can Be Falling And Rising At The Same Time

It is a strange moment to be watching the mortgage market. On one hand, lenders are cutting rates and chasing new customers harder than they have in years. On the other, three of the big four banks have just told their own customers to brace for a rate rise. Both things are true at once, […]

Your Circumstances Have Changed. Has Your Loan Kept Up?

Life rarely stays still long enough for a loan to sit still with it. You might get a promotion, welcome a new baby, change jobs, go through a separation, or start working for yourself. Each of these moments matters in its own right, but each one also has a direct effect on your finances that […]

The 2026 Budget Has Not Closed the Door on Property Investment

If you’ve been putting off a decision on your own home or your next investment property because of the negative gearing changes announced in the May 2026 Federal Budget, it is worth reading on before you rule anything out. Since Budget night, we have had a steady stream of conversations with clients who assume the […]

Your Fixed Rate Is About to End: What Comes Next for Your Home Loan

A few weeks ago, a client called us the way most people do when their fixed rate is coming up for renewal: a little uncertain, a little worried, and not entirely sure what happens next. It is one of the most common conversations we have at PierPoint Lending. A large number of Australians locked in […]

Refinancing When Property Prices Have Stalled

After a run of interest rate rises and a noticeably cooler property market in 2026, a lot of homeowners have quietly shelved the idea of refinancing. The logic seems sound enough: if your property hasn’t gone up in value, surely there’s less room to move, less equity to work with, and less reason for a […]

When Did You Last Check Your Home Loan?

When we met Chloe and her partner at a local open home, they weren’t there to talk about finance. But it came up anyway. “At the time, we felt like we were in a very difficult position and weren’t sure how we were going to improve it,” she recalls. It’s a feeling we hear often, […]

Redcliffe and the Moreton Bay Foreshore: How to Finance Your Move to Coastal Northeast Brisbane

If you have ever driven along the Redcliffe Esplanade on a clear morning, walked the foreshore, or sat at a cafe on the Parade and quietly thought that you would like to live here, you already know what makes this place compelling. This article is about the practical, financial side of making that happen, because […]

Have the 2025 Changes to the First Home Buyer Deposit Scheme Passed You By?

  If you spent the past few years assuming you needed a 20 per cent deposit to buy your first home, or that a government scheme like this would never apply to someone earning your income, it is worth taking another look. Since October 2025, the federal government’s First Home Guarantee, now officially called the […]

Are You Paying the Mortgage Loyalty Tax?

If you have not looked closely at your home loan rate in the past year or two, there is a good chance you are paying more than you need to. Lenders consistently offer their sharpest rates to attract new customers, while existing borrowers are quietly left on older, less competitive products. This gap has earned […]

How A Bridging Loan Could Get You Into Your Next Home Sooner

If you have ever found the home you want to move into before you have sold the one you are living in, you already know the particular kind of stress that creates. For a long time, the standard advice was to brace yourself: bridging finance meant juggling two mortgages, making repayments on both, and watching […]