What Today’s Market Means for Homeowners Wanting to Upgrade
If your home seems to get a little smaller every year, you’re not alone. A new baby, a busy toddler or teenagers who need their own space can turn the move to a bigger home from a nice idea into a critical need. Brisbane’s market has shifted in ways that can work in an upgrader’s […]
Offset vs Redraw: Same Savings, Very Different Rules
Offset and redraw both cut the interest on your home loan. That’s where the similarity ends. On paper, the two look interchangeable. In practice, they treat your money very differently: who controls it, how quickly you can get to it, and what happens at tax time if your home ever becomes an investment property. Pick […]
How Lenders Actually Assess Self-Employed Income (And Why So Many Get Knocked Back)
A few weeks ago, a client came to us after being turned down by his own bank. He’d run a successful trades business for six years, his income had grown every year, and he couldn’t understand why he’d been declined. It turned out the issue had nothing to do with how much he earned. It […]
Split Loans: Getting the Best of Both Fixed and Variable
At PierPoint Lending, one of the most common questions we get is “should I fix or stay variable?” The good news is you can choose both! A split loan lets you put part of your mortgage on a fixed rate and part on a variable rate, so you’re not staking the whole loan on a […]
Two of Australia’s Biggest Banks Are Changing Hands: What It Means If You Bank With HSBC or Suncorp
If you have a home loan with HSBC or a Suncorp Bank account, you have probably already had a letter, an email, or seen a headline about changes coming your way. Two separate deals, one affecting HSBC’s home loan customers and the other affecting Suncorp Bank customers, are reshaping who actually holds and manages a […]
Why Brisbane’s Cooling Property Market Is Good News for Buyers
If you’ve spent the last few years watching Brisbane’s property market race ahead of your savings, you’ll be pleased to know that the heat is finally coming out of the market. Prices have eased slightly from their peak, listings are up, and homes are taking longer to sell. For buyers who have felt locked out, […]
Why Local Knowledge Matters When Choosing a Mortgage Broker
The Sandgate Guide recently featured PierPoint Lending’s Adam Bailey as the cover story of its September 2026 issue, celebrating the role local business owners play in the community (read the full story at sandgateguide.com.au). It’s a reminder of something we believe strongly at PierPoint Lending: being part of a community isn’t just good citizenship, it’s […]
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 […]