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

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?
Book A Free Consultation

What Our Clients Say

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

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

(Rob Frew was) suggested by Zoe at Grady Homes, who I had already learned to respect. Then after the initial meeting with Rob, I felt that this company had my interests in mind.

Rob’s in-depth knowledge became more obvious with further meetings which really put my mind at ease.

Had my interests in mind

Had my interests in mind

Sandra Way, Long Time Renter now New Home Builder, May 2015

Staff are efficient, show concern and always listen to their client. They always follow up and make sure everything is in place. I’m so impressed! Good job!

Efficient and always listen to their client. I’m so impressed!

Efficient and always listen to their client. I’m so impressed!

Allan & Cheryl Castro, First Home Buyers, Sept 2015

We were completely satisfied with the service. It has been such a great experience working together with Rob. We wouldn’t be building our first home without all of his support in applying for the home loan. He definitely made what seems like a daunting process, a complete breeze. We can’t thank you enough.

He definitely made a daunting process, a complete breeze

He definitely made a daunting process, a complete breeze

Hayley & Craig Wright, First Home Buyers, March 2015

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

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

(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

Home Loan Tips & Advice


How To Calculate Your ‘Interest Only’ Payments During Construction

To calculate your ‘Interest Only’ payments you will need 2 things: Your home loan interest rate; and The loan balance at the time the payment is due. Once you have […]

Townsville Mortgage Home Loan Broker

5 Things NOT To Do Prior To Securing Your Home Loan

1. CHANGE JOBS A job change may result in your loan being declined, particularly if you are moving into a different field. Although pre-approval may have been given, a lender may […]


Building Tips and Traps To Avoid Home Loan Issues

Insist on true fixed price contract Many builders say they offer this but then have so many basic items missing from their final pricing that often you may be forced […]


3 Tips For Sourcing Home Loan Finance

When sourcing finance for your new home, there are three things you need answers for: How much can I borrow? The answer to this will vary significantly between various financial […]

Townsville mortgage-home-loan-broker

New Home Finance FAQs

Q: What do I need to prepare before seeing a broker? A: At the initial meeting, a broker will generally need to know employment and income details, information about any […]

See More Articles