Loan Market - Dayna Hill

26/09/2026

If the only texts you get from your bank are 'your minimum repayments are increasing', it could be time see what else is out there.

Refinancing isn't always the answer. Sometimes your current loan is actually competitive. But you don't know until you ask.

We compare what you're on now against what's out there. If there's a better option, we find it. If there isn't, we tell you that too.

Link - /home-loans/refinancing/

24/09/2026

All too often commercial investors keep their eyes on Australia’s biggest cities, but the market is showing that there are plenty of exciting opportunities outside of Sydney and Melbourne.

Queensland and South Australia are quietly shaping up as excellent options if you're looking to diversify your portfolio.

21/09/2026

Your repayment isn't just about the interest rate. Let's break down what also affects your numbers.

⏳ Loan term
Longer terms lower monthly payments but raise total interest costs shorter terms do the opposite! Choose based on YOUR goals.

💰 Repayment type
Principal & interest chip away at your balance, while interest-only keeps it low initially but raises lifetime costs.

Rate type
Fixed rates offer stability; variable rates adjust with market changes and may provide extra perks like offset accounts.

💵 Extra repayments & offset
Small additional payments or savings in an offset account can significantly cut overall interest. ⚡️

⚖️ Loan to value ratio (LVR)
A higher LVR may mean lenders mortgage insurance, which adds to your costs.

All these factors work together. Let’s chat about what is right for you..

DM if you want to crunch some numbers
website:

Looking for a trusted Gold Coast mortgage broker? With 21+ years of experience, Dayna Hill compares 60+ lenders to find your perfect home loan. Call today!

17/09/2026

Embarking on a home loan journey is like climbing a mountain. The higher the loan, the steeper the ascent.

There are many different ways to the top and finding the right one for you could save years off your climb.

Ready to conquer your financial summit?

15/09/2026

There is a particular kind of pride in an empty lounge room because the deposit came before the couch did. If you are in the saving phase right now, we would love to help you get to moving day sooner.

13/09/2026

Thinking about financing your next car but unsure how to structure your repayments?

We can help you figure out if a balloon payment is the right move for your lifestyle and budget 🚗

08/09/2026

A little extra on your loan repayment does more than it looks like on paper, since every dollar over the minimum stops earning the bank interest.

Want to know what extra repayments could actually save you? We can run the numbers.

/calculators-tools/extra-mortgage-repayments-calculator/

08/09/2026

According to data from RedBook the cars that are slower to depreciate are the ones with the highest demand. supply and demand.

🚗 SUVs and utes generally outperform sedans right now
🎨 Neutral colours (white, silver, grey, black) sell faster and hold value better
📋 A full service history and lower kms matter more than badge or colour
🔋 EVs and hybrids depreciate very differently, and it's not as simple as "EVs lose more"

If you're wondering which models hold their value for longer, or how depreciation could affect things like your insurance or a balloon payment down the track, we've broken it all down.

Read the full article 👇

/blog/top-five-vehicles-that-hold-their-value/

06/09/2026

Most people start looking at property based on a guess of what they can afford. They take their income, subtract the mortgage their mate has, adjust for vibes.

A capacity conversation takes about 20 minutes. It costs nothing and could save you valuable time and possible heartbreak. 💔

Call it sense and serviceability.

05/09/2026

For the dad who somehow knew rates were moving before the RBA did. Who's been providing advice since 1995, whether you asked for it or not.

He's never worked in finance but insists you should have "just asked him first" before you signed anything.

And somehow, annoyingly, he's usually right.

Happy Father's Day