Loan Market - Dayna Hill

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Loan Market - Dayna Hill

Loan Market & IFCA is about getting the right loan solution with a fast, simple approval and smooth settlement.

With over 15 years’ experience as a mortgage broker and working in most city and regional areas of Australia, I have helped hundreds of wonderful people into new homes and investment property. My passion is to provide support to make discerned decisions about your first or 5th purchase. I have bought, sold and renovated property property since 23 and enjoy all facets of the property and finance ma

rket. Loan Market provides our toolbox of 44 lenders and was established in 1994 specifically to ensure that people who are thinking of buying or selling receive the best home loan advice. We do not charge you a fee for our service and everything we talk about is confidential. We have access to all of the major banks and their loan specials’, we can explain your options clearly and also provide advice as to loan structure.

02/06/2026

Look, we're not going to pretend the property market has been a walk in the park lately. It hasn't. Prices are up, deposits take longer to save, and 'affordable suburb' has become a bit of an oxymoron. But Australia's homeownership rate has held steady at 62.7% for over a decade. The dream is alive, it just looks a bit different now.

We've broken down what that actually means for buyers in 2026 👇

/blog/the-australian-dream-is-changing-but-still-within-reach/

31/05/2026

We get it, reviewing your mortgage feels like homework you never signed up for. But if you haven't looked at your rate in the last year, there's a real chance you're overpaying.

A quick conversation with us could save you thousands.

Talk to us before the financial year wraps up.

21/04/2026

The goalposts have moved, but the game isn't over. 🏠🏃‍♂️

Even with support, rising property prices are currently moving faster than many can save.

While these numbers look daunting, they assume a traditional 20% deposit. Many first-home buyers are getting into the market much sooner by purchasing a unit instead of a house, targeting more affordable suburbs or using government initiatives designed to help first-home buyers.

Read more on our website 👇 /blog/how-long-it-now-takes-first-home-buyers-to-save-a-deposit/

15/04/2026

The EOFY countdown has officially moved from 'months' to 'weeks.' While June 30 feels distant, the reality of 2026 supply chains means that if your new business vehicle or equipment isn't ordered soon, it won't be operational in time for the Instant Asset Write-Off.

A tax deduction is only a deduction if the asset is in your hands by midnight on June 30. Don't let a slow approval or a delivery delay cost your business thousands. Let’s secure your finance now so you can beat the June rush.

Find out more here 👇 /blog/claiming-the-instant-asset-write-off/

13/04/2026

We’ve all been there. The family dinner where you’re told to "just save more" or "stop buying coffee," while median house prices in some cities just jumped $22,500 in a single month.

You don't need a lecture, you need a strategy. Whether it’s navigating low-deposit schemes or understanding your true borrowing power, we’re here to help you find your "Yes".

10/04/2026

💰 April is Financial Literacy Month and serves as the perfect reminder that understanding how your loan works can be just as powerful as getting a good rate.

A split loan gives you the certainty of fixed repayments on part of your loan, while keeping the door open on the rest. Smart structuring for an uncertain market.

The RBA has cut rates twice this year, but is there more to come? Nobody knows for sure. 👀

That's exactly where a split loan can work in your favour.

Not sure what ratio makes sense for you? That's where we come in. 👇
Drop a comment or send us a DM. Let's make sure your loan is set up to work hardest for yo

09/04/2026

🧛‍♂️💸 Vampire appliances, or devices that stay on standby mode 24/7, can account for up to 10% of your total electricity bill. While a few cents here and there doesn't seem like much, in 2026, every dollar counts toward your mortgage offset or your next deposit.

The usual suspects:

🎮 gaming consoles and TVs

☕ microwaves and coffee machines

💻 laptop chargers left plugged in

By simply flicking the switch at the wall, you could save hundreds of dollars a year.

Follow for more money-saving tips.

07/04/2026

National rental growth is no longer moving at the breakneck pace we've seen recently, but the market is changing shape rather than weakening. While headline growth has flattened, the story varies wildly depending on where you look:

🏖️ The Gold Coast is now the most expensive market ($950/wk), outstripping Sydney ($810/wk).

⛪ Units in Adelaide lead the charge with a massive 10% annual gain.

🚆 Melbourne house rents have actually dipped -0.9% over the past year.

For investors, the message is clear, the surge phase has eased, but local opportunities remain highly uneven. Understanding these shifts in affordability is key to your next property move.

Read the full breakdown in our latest blog 👇 /blog/the-cities-experiencing-the-most-rent-growth/

04/04/2026

The lending landscape just got a little tougher to crack. 🥚
As of earlier this year a new rule from APRA has changed the rules for borrowers. Banks are now restricted on how many "high-debt" loans they can approve.
What does this mean for you?
If your total debt, including your new loan, credit cards, and car loans, are more than 6 times your gross annual income, you are officially in the "High DTI" zone.

Banks can now only allow 20% of their new loans to fall into this category. If your bank has already hit its 20% quota for the quarter, they might say no, even if you have a perfect repayment history. Don't get discouraged. While one bank might be at their limit, others may still be "hatching" approvals for borrowers in your position.

If you think you might be affected, let’s book a call to assess.

02/04/2026

Hands up if you’re looking forward to the Easter long weekend 🙋

If you are done wrestling with tent poles or mattresses that deflate overnight, maybe it's time you upgrade to a caravan.

Having your own home on wheels makes the experience so much better.

Ask us about lenders who specialise in leisure finance.

Address

Gold Coast, QLD

Website

http://www.loanmarket.com.au/dayna-hill

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