Sarah Hogarth Smyth Financial

18/06/2026

🏡 Saving for a home deposit feels like one of the biggest hurdles for first home buyers -but with the right plan, home ownership may be closer than you think.

Whether you're looking to buy your first home or start building your investment portfolio, here are five simple ways to help reach your savings goal sooner:

✅ Set a realistic savings goal
✅ Work out how much you need to save each month
✅ Reduce or eliminate existing debt
✅ Find opportunities to cut back on spending
✅ Open a high-interest savings account

Saving for a deposit can feel overwhelming, especially when you're juggling everyday expenses. The good news? You don't have to do it alone.

As a Home Loan Specialist, I can help you understand your options, review your current position, and create a personalised plan to help get you into the property market sooner.

📞 Ready to take the first step towards home ownership? Let's chat.

At Smyth Financial, It's Finance Made Simple!

Sarah Hogarth
Home Loan Specialist
Smyth Financial

18/06/2026

So it's been a minute - Lets discuss how the RBA decided to hold the cash rate at 4.35%

They want to assess the impacts of the last three rate rises, before making their next decision in August.

If you’re wondering what this means for the lending landscape, now's a great time to have a conversation.

Reach out and drop me a message and I can help you understand your options.

17/06/2026

☕🏡 Thinking about buying a home but not sure where to start?

Forget the online calculators.

Come in, grab a coffee, and have a conversation with Sarah.

Whether you're a first home buyer, looking to upgrade, refinance, or invest, understanding your borrowing power is the first step to making confident property decisions.

No pressure. No jargon. Just honest advice and a clear understanding of your options.

The right home loan starts with the right conversation.

📞 Sarah Hogarth | Home Loan Specialist
📱 0409 155 709

☕ Pop in for a coffee and let's talk about your property goals.

14/06/2026

🏡 Found your dream home before you've sold your current one?

Don't panic. You may not have to miss out.

Bridging finance can help you secure your next home now, giving you time to sell your existing property without the pressure.

The right solution can mean the difference between securing the home you love and watching someone else move in.

Thinking of making a move? Let's chat about your options.

📞 Sarah Hogarth | Home Loan Specialist
📱 0409 155 709

11/06/2026

⏰ EOFY IS CLOSING IN. Have you got the assets your business needs?

Waiting until the last week of June could mean missing out.

If you've been thinking about:
🚜 Plant & Equipment
🚛 Trucks & Trailers
🚗 Cars & Utes
💻 Technology & Business Equipment
🏗️ Machinery & Tools

Now is the time to act.

Not only could purchasing eligible business assets before 30 June provide valuable tax benefits, but finance approvals, supplier lead times, settlement requirements and delivery schedules all take time.

The businesses that benefit most at EOFY aren't the ones scrambling on 29 June - they're the ones planning now.

At Smyth Financial, we work with over 60 lenders and specialise in helping Central Queensland businesses secure the funding they need to grow.

🏆 Award-Winning Finance Specialists
⚡ Fast Turnaround Times
🤝 Tailored Finance Solutions
📈 Finance Structured Around Your Business Goals

If the asset will help your business make money, now is the time to have the conversation.

📞 Contact the Smyth Financial team today and get your finance sorted before EOFY.

☎️ (07) 4922 5626
📍 Level 1, 35 Fitzroy Street, Rockhampton

10/06/2026

Think your loan rate is based solely on your credit score?

Think again.

While your credit score plays a role, lenders also look at things like your income, existing debts, savings history, employment stability, loan structure, and even the type of property you're buying.

Understanding what lenders are really looking for can put you in a much stronger position before you apply - and could help you secure a more competitive outcome.

At Smyth Financial , we take the time to understand your situation, explain your options, and help position your application for success.

📞 Thinking about a home loan, refinance, or investment property? Let's have a conversation.

08/06/2026

Thinking about investing in property? Or already own an investment property?

The biggest mistake investors make isn't choosing the wrong property.

It's having the wrong finance strategy.

With changes to lending policies, interest rates, property values, and ongoing discussions around negative gearing and investment incentives, now is not the time to set and forget your investment loan.

A simple review could help you:
✔ Improve cash flow
✔ Access equity for your next purchase
✔ Reduce your repayments
✔ Structure your lending correctly from the start
✔ Build a portfolio with confidence

Whether you're buying your first investment property or growing an existing portfolio, having the right finance strategy can make all the difference.

📞 Before you sign a contract, let's have a conversation.

Sarah Hogarth | Home Loan Specialist
📱 0409 155 709
📧 [email protected]

Smart investors don't just buy property. They build a strategy.

05/06/2026

04/06/2026

🌿 Happy World Environment Day! 🌿

Thinking about making your home greener, more comfortable, and more cost-effective to run?

From solar panels and energy-efficient appliances to insulation, double-glazed windows, and sustainable home upgrades, investing in your property can help reduce your energy bills while adding long-term value to your home.

The best part? You may not need to use your savings to make it happen.

By reviewing your current home loan, refinancing, or accessing available equity, you could potentially fund your renovations while putting your home to work for you.

🏡 Home Loan Health Checks
🌱 Sustainable Home Upgrades
💰 Refinancing & Equity Access
⚡ Smarter Solutions for Lower Running Costs

If you're considering renovations or simply want to understand your options, let's have a chat.

📞 Sarah Hogarth | Home Loan Specialist
📱 0409 155 709
📧 [email protected]

03/06/2026

🏡 Thinking about applying for a home loan?

One of the biggest mistakes we see is people submitting multiple home loan applications hoping one will stick.

Here's the problem 👇

Every application leaves a footprint on your credit file. When lenders see several recent applications, it can raise red flags and potentially impact your chances of approval.

Before you start applying, have a conversation with an expert.

At Smyth Financial , I take the time to understand your situation, match you with the right lender, and help position your application for the best possible outcome the first time.

✅ First Home Buyers
✅ Home Loan Refinancing
✅ Investment Loans
✅ Pre-Approvals

A quick chat now could save you a lot of headaches later.

📞 Sarah Hogarth | Home Loan Specialist
📱 0409 155 709
📧 [email protected]