Cameron Finance Group

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Cameron Finance Group

Australia-wide mortgage broker helping clients secure the right home loan with clear, honest advice — via phone, Zoom & digital application.

Award-winning pitmaster at Jimmy Brisket — I know the recipe for great results. Home loans made simple. I work for you, not the banks. Mortgage Broker + award-winning pitmaster at Jimmy Brisket. Let’s chat — 0402 351 541.

25/08/2026

🌱 THIS SPRING, DON’T JUST CLEAN THE HOUSE—CLEAN UP YOUR HOME LOAN.

Spring is nearly here. While you’re clearing out the garage, tidying the garden and getting the house back in shape, it’s also a smart time to check one of your biggest household expenses.

IS YOUR HOME LOAN STILL COMPETITIVE? —or could a better structure help you save interest and pay it off sooner?

You may know James (Jimmy) Cameron as Pitmaster of JIMMY Brisket Barbecue, but when he isn’t behind the smoker, he’s helping Australians make smarter home-loan decisions.

With more than 20 years of banking and home-lending experience, James can review your current loan, explain where improvements may be possible and compare suitable options from more than 60+ lenders.

🥩 A LITTLE HELP WITH THE HOUSEHOLD BUDGET

Book a free, no-obligation Home Loan Review using code MIP. If an eligible home loan settles through Cameron Finance Group, you’ll receive a $250 The Meat Inn Place gift voucher—helping take some pressure off the grocery bill while stocking your freezer with quality meat.

Give your home loan a spring clean—it could be one of the most valuable jobs you do around the house this year.

BOOK YOUR FREE REVIEW HERE:
👉 https://api.teamsolutionsgroup.com.au/widget/bookings/cfg-loan-review

Or contact James directly:
📞 0402 351 541

Eligibility criteria and T&Cs apply. One voucher per eligible settled loan application. Credit assistance is subject to individual circumstances, lender requirements and approval. Refinancing may not be suitable in every situation.

13/07/2026

What a day! 🔥

A little behind the scenes from Saturday’s charity event at The Meat Inn Place.

✅ 170+ Smoked Brisket Street Tacos
✅ 250+ Pulled Pork Sliders
✅ Heaps of sausages & chicken souvlakis
🎉 Plus we gave away a $1,500 JIMMY Brisket Barbecue Golden Ticket Catering Party, proudly donated by Cameron Finance Group

Huge thanks to everyone who came down, grabbed a feed, donated, and helped raise money for Kindness4Kids. The support from our local community was incredible.

Can’t wait to do it all again!

28/06/2026

"I've been paying my mortgage for 5 years... why does it feel like I've hardly made a dent?"

After more than 20 years in banking and mortgage broking, it's one of the questions I've been asked the most.
The answer surprises a lot of people.

When you first take out a home loan, your loan balance is at its highest.
Because interest is calculated on the balance you still owe, a larger portion of your early repayments goes towards interest, while a smaller portion goes towards reducing your principal.
As you continue making your repayments, your principal gradually reduces.

That means you're paying interest on a smaller balance each month, so more of your repayment starts reducing your principal and less goes towards interest.

It's not because the bank is changing the rules.
It's not because they're "front-loading" interest.
It's simply the way home loans are designed to work.

That's why many homeowners reach the five-year mark and think...
"I've been paying thousands of dollars every month... why doesn't it feel like I've made much progress?"

The good news is that this gradually changes.
As your principal reduces, more of each repayment goes towards paying down your loan and less goes towards interest. In other words, your mortgage starts building momentum.
It's also why strategies like making extra repayments, using an offset account effectively, or simply having the right loan structure from the beginning can make such a significant difference over the life of your loan.

That's exactly why we developed our Mortgage Game Plan Calculator.
Rather than relying on guesswork, it allows us to model different strategies and show clients how small changes today could potentially reduce their principal faster and help them become mortgage free years sooner.

Because sometimes it's not about working harder...
It's about having a better Game Plan.

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General information only. It does not take into account your personal objectives, financial situation or needs.

07/06/2026

🎉 WIN YOUR CHOICE OF 1 OF 3 BBQ PRIZES! 🎉

One lucky winner will choose their favourite prize:

🥩 Jimmy Brisket Signature Wagyu Brisket

Smoked low and slow for 15 hours by award-winning competition BBQ team Jimmy Brisket BBQ and delivered to your door (Victoria Only)

🔥 $300 The Meat Inn Place Gift Voucher

🥩 $300 The Que Club Gift Voucher (Australia Wide)

━━━━━━━━━━━━━━

TO ENTER:

✅ Follow Cameron Finance Group on Facebook

✅ Like this post

✅ Comment "BBQ"

BONUS ENTRY:

✅ Follow Cameron Finance Group on Instagram

✅ Comment "DONE" below for a second entry into the draw

━━━━━━━━━━━━━━

⚠️ IMPORTANT ⚠️

You MUST be following Cameron Finance Group on Facebook when the winner is drawn.

We will check...

If the winner is not following the page, a new winner will be drawn.

━━━━━━━━━━━━━━

📅 Entries Close:
Sunday 21 June 2026 at 7:00pm AEST

🏆 Winner Drawn LIVE:
Sunday 21 June 2026 at 7:30pm AEST

Good luck everyone! 🔥

This promotion is not sponsored, endorsed, administered by, or associated with Facebook or Instagram.

02/06/2026

There's been a lot of media lately talking about falling property prices and the impact on first home buyers, particularly those who purchased with smaller deposits.

While those headlines grab attention, I think it's important to keep things in perspective.

If you've bought a home to live in and you're planning to be there for the next 5, 10 or even 20 years, a short-term drop in value isn't necessarily the disaster some are making it out to be.

Property goes through cycles.

Sometimes prices rise quickly. Sometimes they level out. Sometimes they go backwards for a period.

That's always been the case.

For owner-occupiers, I think the more important question is:

**Can you comfortably afford the home?**

Because if you can comfortably make the repayments and you're not planning on selling anytime soon, what the property is worth this month or next year may not be that important.

I remember when my wife and I bought our family home back in 2010 for around $550,000.

About 12 months later, the bank did a valuation and it came in roughly $50,000 below what we'd paid for it.

Did I love hearing that? Absolutely not.

But we weren't looking to sell.

So we kept making our repayments, enjoyed living in the home and got on with life.

When we eventually sold the property around 13 years later, it had more than doubled in value.

Now that's not a prediction, and it's certainly not a guarantee that every property will do the same.

But it is a reminder that short-term property values and long-term property values can be very different things.

The people who tend to get hurt most in a falling market are often those who are forced to sell at the wrong time.

For homeowners planning to stay put for years to come, short-term market movements are often just part of the journey.

Buy within your means.

Keep a buffer where possible.

Focus on what you can control.

And don't let short-term headlines distract you from the reason you bought the home in the first place.

Focus on affordability, not FEAR.

Focus on the long term, not the next HEADLINE.

01/06/2026

Most people think refinancing is all about getting a lower interest rate.

The reality is that how your loans are structured can often make just as much difference.

Recently I helped a couple refinance and consolidate their home loan, car loan and credit cards into one simpler loan structure.

The result?

✅ Around $1,100 per month back into their household budget
✅ One repayment instead of multiple debts
✅ No extension to their remaining home loan term

Now, every situation is different and these results won’t be the same for everyone, but it’s a good example of why it pays to review your lending every few years.

If you’ve got a mortgage, personal loan, car loan or credit card debt, it may be worth seeing whether there is a better way to structure things.

As a mortgage broker, I have access to over 90 lenders and can compare options across the market.

If you’d like a free review, send me a message.

28/05/2026

Many Australians could borrow less today than they could in January.

Even if rates haven’t moved dramatically, borrowing power can still change depending on how lenders assess your application.

Assessment rates, existing debts, living expenses and lender policy all play a role.

The good news is every lender assesses things differently, so having the right strategy can still make a huge difference.
In the current market, choosing the right lender and working with an experienced mortgage broker who understands different lender policies, can make a significant difference.

25/05/2026

One of the biggest things causing stress for households right now isn’t always the mortgage itself…
It’s the combination of:
• Home loan repayments
• Car loans
• Personal loans
• Credit cards
• Rising living costs
Different repayment dates.
Different interest rates.
Different lenders.
In some situations, restructuring debts into one simpler loan structure may help improve monthly cash flow and make finances easier to manage.
And importantly — that doesn’t always mean extending your existing loan term.
A lot of people assume the only way to reduce repayments is by resetting back to 30 years, but that’s not necessarily the case. Structure matters.
Every situation is different, but if your finances feel messy or cash flow feels tight, it may be worth reviewing your options.
📩 Send us a message if you’d like a free refinance review.

15/05/2026

One thing we're noticing in conversations with borrowers lately…
A lot of people aren’t necessarily in financial stress, but they are mentally tired from constantly thinking about money.
Over the past few years we’ve had:
• rapid interest rate rises
• higher living costs
• insurance increases
• pressure on rents
• uncertainty around property policy and the economy
For many households, it’s less about panic and more about wanting clarity and control again.
Most clients I’m speaking with right now are simply looking for:
• certainty around repayments
• better cash flow
• cleaner loan structures
• options moving forward
• and confidence they’re still on the right track
It’s a good reminder that finance conversations are rarely just about numbers.
Sometimes people just want someone to help simplify things and explain their options properly.

12/05/2026

Last night’s Federal Budget delivered one of the biggest proposed structural changes to property investing Australia has seen in decades — particularly around negative gearing and Capital Gains Tax.

The Government’s direction is pretty clear:
• reduce investor demand for established homes
• push investors toward new construction
• improve opportunities for first home buyers

Key proposed changes include:
• Negative gearing restricted to new builds only from July 2027
• Existing investment properties grandfathered (Great News!)
• Potential changes to the current 50% Capital Gains Tax discount
• More incentives focused on new housing supply rather than existing properties

Working as a mortgage broker every day with owner occupiers, investors and families trying to get ahead, this feels like a major shift in the Australian property market.

A few things I think are worth watching closely over the next couple of years:

1. Investor behaviour will change
Some investors will likely bring forward buying decisions, while others may shift heavily toward new builds and development opportunities.

2. Housing supply is still the real issue
Tax changes alone won’t fix affordability if Australia still can’t build enough homes efficiently and affordably.

3. Loan structure will matter more than ever
Offsets, loan splits, deductible debt management and long-term planning could become even more important moving forward.

4. Existing investment properties may become more tightly held
If future investor incentives mainly favour new builds, quality established properties could become even more valuable over time.

But there’s another angle I don’t think enough people are talking about yet…

Foreign investors are already generally pushed toward NEW properties and off-the-plan developments in Australia.

If local investors are now also pushed heavily toward new builds to retain tax effectiveness, we could end up with:
• foreign investors competing for new stock
• local investors competing for new stock
• first home buyers competing for new stock
• while the construction industry remains heavily constrained

There’s a real possibility this could place further upward pressure on parts of the new-build market rather than improving affordability the way many expect.

Because Australia’s problem isn’t just demand.

It’s also:
• labour shortages
• planning delays
• infrastructure bottlenecks
• builder collapses
• high construction costs
• developer funding pressures

Interesting times ahead for borrowers, investors, brokers and first home buyers alike.

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Tuesday	08:00 - 18:00
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Thursday	08:00 - 18:00
Friday	08:00 - 18:00
Saturday	09:00 - 14:00

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