Smarter Lending Strategies for Homeowners and Property Investors
Discover what you can achieve today
Local family owned Mortgage Brokerage:
Encouraging better financial futures for our clients across the Noosa, Hinterland, Gympie, Wide Bay areas and beyond!!
Talk to us today about your financial ideas and lending needs. Get Encouraged working on your future.
Lending That Evolves With You
Many people spend years with lending that no longer reflects their circumstances.
As life changes...
your income changes.
your family grows.
your investments evolve.
interest rates move.
new lending products become available.
your goals become bigger.
Your lending strategy should evolve too.
A simple review can uncover opportunities to improve cash flow, reduce repayments, consolidate debt, access equity or better position you for your next financial move.
Many clients are surprised by what's actually possible once we take a strategic look at their finances.
A Different Kind of Mortgage Broker
Our role isn't simply to arrange finance.
It's to become your trusted lending adviser.
That means taking the time to understand where you are today, where you'd like to be tomorrow and creating a strategy to help you get there.
Every recommendation is tailored to your circumstances and not lender targets.
Every conversation is designed to leave you feeling informed, confident and empowered.
Because when you understand your options, you make better financial decisions.
Helping You Discover What's Possible
Our clients come to us for many different reasons.
Buying their first home.
Upgrading to their forever home.
Refinancing to improve cash flow.
Growing an investment portfolio.
Building a new home.
Accessing equity.
Reviewing loans they haven't looked at for years.
Whatever your reason, our focus remains the same:
Helping you uncover opportunities that improve your financial future.
Education First
Finance shouldn't feel confusing.
We explain every option in plain English so you can make informed decisions with confidence.
Whether you're a first-home buyer or an experienced investor, you'll always understand the "why" behind every recommendation.
Relationships That Last
At Encouraged we are with you for the long haul and understand your circumstances and needs will change as you move through life.
So do you feel Encouraged?
Our Process
Whether you're buying, investing, refinancing or simply want a second opinion on your current lending, we'd love to help.
Understand
We start by listening.. Your goals., Your concerns., Your financial position., Your future plans.
Discover
We review your existing lending and identify opportunities that many people simply don't know exist.
Recommend
Clear, personalised advice that's easy to understand.
No jargon. - No pressure.
Just recommendations that genuinely make sense for you.
Deliver
From application through to settlement, we manage the entire process while keeping you informed every step of the way.
Support
We stay connected with our clients, to ensure your lending continues supporting your financial goals for years to come.
Service Areas
Buy / Invest
Seasoned investor or first time buyer? We collaborate closely with you to develop strategies that align with your aspirations.
Build
Off the plan? House and Land? Renovations? We will work closely with you to understand your timeframes and lending requirements.
Restructure
Is your current lending structure both effective and efficient? When was the last time you had a financial health check to see if everything is optimised for your success?
Meet The Team
Matt Watts, Mortgage Broker - Investment Lending Specialist
After many years working across boutique and corporate finance organisations, Matt follows a simple philosophy.
Finance should empower people, not overwhelm them.
His passion lies in helping clients understand what's possible through thoughtful lending strategies, honest advice and genuine relationships.
Rather than focusing on transactions, Matt focuses on outcomes.
Helping clients improve cash flow.
Build wealth.
Protect borrowing capacity.
Create opportunities.
And feel confident making some of life's biggest financial decisions.
When you choose Encouraged, you're choosing a broker who knows your name, understands your goals and remains committed to your success long after settlement.
Because your future deserves more than a loan.
It deserves a strategy.
Client Success
"Matt makes lending easy to understand, which gave us the confidence to take action and invest. The entire process from our first chat through to implementation of our lending strategy has been amazing."
Brad H
Contact Us Today!
