How We Can Help You

Home Loans & Advice

Building or buying a new home is no doubt the biggest financial decision in your life. Before you start talking house plans and mortgage repayments, you really need to get good solid un-biased answers to all of your budget, home finance or property investment questions. We use our extensive knowledge and experience of the mortgage industry to connect our clients with a home loan to suit their personal needs. We then coordinate all of the paperwork and communication to ensure the loan application and approval process is a smooth one.

Construction Home Loans

There is a lot more to sourcing, applying and processing a construction home loan than a standard home loan. This is why it is so important to deal with a broker who understands the most suitable products, structures and most importantly that can advise on the traps to avoid for this specialised loan purpose. As specialists in this area, we use our extensive knowledge and experience, ccoordinate all of the paperwork and commit to communication to ensure the construction loan process is a smooth one for our clients.

First Home Buyers

We help First Home Buyers / Builders with unbiased home loan advice, mortgage pre-approvals, loan settlements, understanding home loan options and sourcing the best home loan solutions for each of our clients' needs. We manage communications between the client, finance provider and lawyer; and also assist first home buyer clients with understanding any applicable grants, out-of-pocket expenses they may incur, and loan product terms and usability.

Home Loan Refinancing

Whether you may be looking for a better deal on your existing home loan or wanting a product offering with particular features that better suits your needs, we can assist you. With our extensive experience and access to over 30 lenders we will save you all of the hassles and provide unbiased advice on home loan products that may be beneficial to switch to and the process involved in switching loans.

Property Investment

We assist clients with guidance on investment loan structuring to maximise tax benefits and pay off your home sooner, advice on the benefits of building a new investment vs. buying an established property, as well discussions about the out-of-pocket expenses to be expected with property investment.

Personal & Car Loans

We can help you source finance solutions for that new set of wheels, debt consolidation to take control of your finances, or just about any personal purpose. Advice is provided on whether a secured or unsecured loan structure would be more suitable for your requirements, and decisions are provided fast with straight-forward application processes.
Read More About Our Loan Broker Services

Meet The Team

Rob Frew

Rob Frew

Broker & Home Loan Specialist

I have many years experience in acquiring finance for building, buying, or investing in property. As a specialist in first home builder constructions loans I work closely with the builder and your bank/finance company to ensure a smooth transition to building your new home.



Home Loan Finance Assistant

My role is to support the finance broker with management of client documents, paperwork and I operate as the client liaison to ensure that your finance process is smooth and up-to-date.

Need Home Loan Advice From An Experienced Broker?
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What Our Clients Say

Rob and Donna have been exceptional and amazing! No one that we had spoken to about owning our own home has even come close to helping us achieve that and we had spoken to a few different companies who specialize in home loans.

The knowledge that was presented to us and support was phenomenal. The support and guidance even since having our loan approved has been amazing. I don’t know how we would have coped going elsewhere. Thank you! Thank you! Thank you!

In the future we will definitely be returning to speak with Robert about investment products and services.

The knowledge that was presented to us and support was phenomenal

The knowledge that was presented to us and support was phenomenal

Belinda & Phil Jobst, First Home Buyers, Feb 2015

I chose to work with Salt & Pepper Home Loans through a recommendation from Grady Homes.

There was nothing wrong with their service. I wasn’t actually expecting the result you guys got for us. Very satisfied……Thanks.

Very Satisfied

Peter Stanley, Townsville 2016

Rob helped us find a suitable construction and home loan when we built our first home. We also used his services again when we refinanced our loan.

We chose to work with Rob Frew for his  Knowledge, Experience, Connections, Friendliness, and Ability to convey finance talk into something we could easily understand.

We recommend Rob to our friends and family because he is really good at what he does, he works hard for his clients, and is a broker you can rely on.

An experienced and friendly broker you can rely on

Robyn & Sam, First Home Builders & Loan Refinance, 2015/2016

I was recommended from Grady Homes sales representative and I’m very glad. Also Rob was highly recommended to me by my daughter who is also building her first home. 

The service I received from Rob Frew and the team was excellent. The process was streamlined and all of my enquiries were addressed promptly and in a very professional manner. I am completely satisfied with my experience and I am happy to share the positive experience I have had with Rob through the process of obtaining a loan to build my own home. 

Excellent job to Rob Frew and the team. Service was very professional and second to none. I would highly recommend Rob to anyone who is looking to build a new home. Service, advice, efficiency and helpfulness: 5/5

Service, advice, efficiency and helpfulness: 5/5

Service, advice, efficiency and helpfulness: 5/5

Susan Imms, Building A New Home, August 2015

Loved your service because you were the friendly and most welcome loan people, and you gave us the most out of the experience and feed us a lot of info.

You helped us to your best and gave us more info than needed so we knew everything …. BIG THANKS.

Friendly and experienced

First Home Builder, Townsville, 2016

I came to Salt & Pepper Home Loans through a recommendation from Grady Homes.

I can’t fault the process or the service. Rob & Donna made it so simple, they were efficient, and there was no stress.

Simple, Efficient, No Stress

Samantha Rodgers, Townsville 2016

(When sourcing home loan finance) First question should be “When can I get in to see Rob Frew?” and then there aren’t really any more questions because he is just so brilliant and knowledgeable!

Just so brilliant and knowledgeable!

Just so brilliant and knowledgeable!

Willow Jobst, First Home Builder, June 2015

Rob was very honest straight forward and did his best to get the best for us. I’d recommend his services to anyone. When I needed to know something he was on the job straight away . And there was no beating around the bush and not telling us about any hidden facts or fees. Can’t say thanks enough for all the help he gave us and his hard work.

Honest and Straight Forward, No Beating Around the Bush

Honest and Straight Forward, No Beating Around the Bush

Anonymous, Kalynda Chase Construction, Oct 2015

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