Adam Toomer
Financial Adviser | Director
027 470 7337
Adam Toomer specialises in home loans and will guide you through the entire process, from application to settlement. He takes the time to understand your unique situation and tailors a specific loan structure to ensure you get the best outcome.
Whether you're a first-home buyer, upsizing or upgrading, looking to purchase an investment property, or needing to refinance, refix, or restructure your current loan, Adam is here to help you get the best solution for your needs.
Adam Toomer is a trusted financial advisor specialising in home loans. He’ll guide you through the entire process, ensuring you feel confident and informed. He’s here to help with everything from securing your first home, next family home or investment property, to expert advice on refinancing and restructuring your existing loan.
Quarterly Update
The start of 2026 has continued to deliver more stable and positive conditions for both buyers and sellers in the property market.
Interest rates have now settled into a much more manageable range after the volatility of recent years.
Fixed rates across popular 1 & 2 year terms remain in the mid-to-high 4% range, giving buyers greater confidence around affordability and allowing existing borrowers rolling off higher rates to enjoy some welcome relief in their repayments.
For buyers, this stability makes planning easier.
Finance is more predictable, banks are competing more actively, and lending has become more flexible than it was a year ago — particularly for first home buyers with varying levels of deposit.
For sellers, these conditions are also positive.
Buyers are better prepared so they're engaging earlier, attending open homes with confidence, and are more likely to progress through to unconditional sales without finance-related delays.
Overall, the market is feeling more balanced.
Buyers have the confidence to act, and sellers benefit from a pool of purchasers who are financially ready and serious about moving forward.
Whether it’s a first purchase, an upgrade, or a review of an existing loan, this quarter continues to present solid opportunities — especially with the right lending structure and advice in place.