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

Are you sick of renting but struggling to save a house deposit?

Want to buy your own home but don't know if you qualify for a loan?

Meet The Team

Rob Frew

Rob Frew

Broker & Home Loan Specialist

Rob Frew has over 13 years experience in acquiring finance for building, buying, or investing in property.

As a specialist in first home builder construction loans I work closely with the builder and your choice of over 30 lenders we have available to ensure a smooth transition to building your new home.



Home Loan Finance Assistant

Donna supports Rob (the home loan broker) with management of client documents. Donna is also the client liaison to ensure that your mortgage application process is smooth.

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

Very smooth process and great communication. Thanks for making a daunting period a little bit easier with your reassurance and professionalism 🙂

Very smooth process and great communication

Very smooth process and great communication

Lauren Walker, Building A New Home, July 2015

Extremely happy! Have had the best experience being a first home buyer and Rob has been nothing but fantastic! Nothing was ever an issue and helped me in areas that he wasn’t required to. He went out of his way to help my experience be smooth sailing.

Thank you so much to Rob you have been fantastic!

He went out of his way to help my experience be smooth

He went out of his way to help my experience be smooth

Iliska Adamson, Required Family Guarantor, April 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

We were recommended to Salt & Pepper Home Loans from Grady Homes. I trust in Grady Homes and who they refer their customers to. As first home buyers, their recommendation took away the “overwhelmed” feeling of having to chose a broker.

We were very happy with the service.

Happy with the Service

Stacey, First Home Builder, Townsville 2016

We came to work with Salt & Pepper Home Loans through a recommendation from Grady Homes.

Rob Frew was always available to help us with our many enquiries and willing to meet with us after work to fit in with our schedules. We would highly recommend Salt & Pepper Home Loans.

We would highly recommend Salt & Pepper Home Loans

Andrew & Emma, Home Builders, Townsville 2016

Everything went really well and Rob was so helpful in every way. Would definitely recommend friends and family.

So helpful in every way

So helpful in every way

Blake Dixon & Katie Monaghan, First Home Builder, June 2015

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

We originally were put onto Rob by our builder Grady Homes who we had built our first home with. We decided to use Rob when financing for an investment property in Townsville. When we were looking at selling our owner/occupied house we made an appointment to ask a few questions regarding the sale.

We found Rob and his assistant Donna incredibly informative, thorough, and felt that they have and continue to go above and beyond for us making the process very smooth. We honestly can’t thank Rob enough for all his hard work and efficiency. He is without a doubt an asset to the team.

Incredibly informative, thorough, and continue to go above and beyond for us

Incredibly informative, thorough, and continue to go above and beyond for us

Carolyn & Benjamin Wynnyk, Selling Existing Home and Building Investment Property, June 2015

Home Loan Tips & Advice

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