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Esther Scerri

Ready to answer all your finance questions.

Taking out a home loan is one of those life defining moments where instantly you’re an adult and you need to understand all the numbers things. Or do you? Mortgage brokers are your experts in the field when you don’t want to be an expert yourself.

With so much crazy going on, we thought now might be a good time to chat to Esther Scerri, a founder and director of XYZ Finance. On a regular basis Esther deals with the frustrating, daunting, painful and stressful minefield that is finance, so that you don’t have to.

How long have you been a Gold Coast local?
I have proudly called the Gold Coast home for 25 years!

What do you love most about living here?
The Gold Coast is one of those rare places that manages to offer it all. The world-class beaches and outdoor lifestyle are the jewels in its crown, but alongside that there’s also a burgeoning F&B scene, fantastic shopping, a thriving business environment and the best people.

Tell us about XYZ Finance…
My co-founder and I launched XYZ Finance 11 years ago when we saw a need in the market for more personalised finance solutions. Back then, finance didn’t have the tailored offerings of today, and we found people really appreciated having hand-in-hand guidance throughout the process of refinancing or buying a new home. Customer service is XYZ’s most fundamental core value – we want the loan process to be as enjoyable, easy and timely as possible. We’re a fun and dynamic team and we hope clients feel that throughout the process.

What’s the benefit of using a mortgage broker rather than going direct to a bank?
Mortgage brokers will give you options! Not only are interest rates important, but each bank weighs the criteria (income, deposit, genuine savings, debt level etc) differently, so when you engage XYZ we review all this information to recommend the best suited loan options. Going direct, you’ll only know what that particular bank can do, it’s limiting.

Can I defer my home loan payments and how do I do that? 
Yes! Banks are offering a “repayment holiday” or “deferred repayment” incentive commonly via their hardship department. This gives you the option to defer your repayment for a period of either three or six months, depending on the lender. In switching to interest only repayments your lender will cap the monthly interest charge on top of your loan limit. While your home loan will actually be worth more at the end of the deferred term than when you made the request – meaning in the long run you’ll pay more interest – in the short term, you can manage any cashflow issues you have while navigating these unprecedented times.

How long can I defer for?
Three or six months depending on the lender.

Does this mean my repayment will go up?
Most lenders are increasing loan terms by six months, so repayments after the deferred period will revert back to the current repayment (if interest rates remain as is), however some banks will re-adjust repayments to cover the extra interest which needs to be repaid.

If the tenants at my investment property have stopped paying rent, what help can I get?
At this stage I am only aware of the repayment deferral option for loan holders. I believe some landlord insurance may cover loss of rent too, this would need to be looked into individually.

Are banks still lending to individuals and businesses at this time? 
Yes, now is a great time to review your finances as interest rates are at an all-time low! Review to be able to cut costs at a time when we all need it. Get in touch with us to review your options.

Tell us your favourites on the Coast:
Coffee spot: Alkhemist on TE Peters, close to home & the office
Café for breakfast: Elk Espresso in Broadbeach
Restaurant for dinner: Rick Shores for lunch or dinner
How does your weekend usually look: Pre lockdown – beach, eating out and spending time with friends

Elk Espresso’s new winter warmers

With a new season comes a new way of eating. Less salads and ice lattes and more warm, nourishing dishes that keep you energised and ready to face those chilly winter mornings when all you want to do is hit snooze and snuggle back into the covers.

One local spot that never gets it wrong when it comes to changing things up is Elk Espresso, found on the Old Burleigh Rd corner of The Oasis Shopping Centre in Broadbeach.

You know the one. Always filled to the brim with both regulars stopping in for an epic brunch and visitors who have heard the buzz and come to see what all the fuss is about.

No doubt you’re aware what all the fuss is about, but if not, allow us to enlighten you.

Over the years owner Andrew Whiting and his crew have turned Elk from a friendly neighbourhood brunch spot to a friendly neighbourhood institution thanks to their exceptional eats, five-star fitout and absolutely all over it service.

They’re one of the most-loved eateries around and it’s an honour they’ve well and truly earned.

Which is why we’re here to discuss the latest menu offerings of Elk Espresso, something we’re all about when a venue has created food that is also art.

Let’s begin.

As always, the dishes are not only as tasty as anything you’ve ever sampled but they are as Insta-worthy as anything you’ve ever seen.

In particular this season, the Violet Crumble Waffles – fluffy, delicious waffles with Violet Crumble and dark chocolate ganache, lilac ice cream and gold flakes. Sounds super sweet but it’s actually perfectly balanced, as the team at Elk are aware of not creating dishes too over-the-top in flavour for early morning feasting. Bless them. We LOVED this one.

For the savoury fans there is Aged Cheddar and Corn Beef Croquettes with sweet corn purée, silverbeet, kalettes, beetroot and poached eggs and it is one of the very best breakfast dishes we’ve ever tried.

Another newbie is the Basil and Goats Cheese Scrambled Eggs with wild mushrooms, rhubarb paste and pecan crumble on spelt toast. A taste sensation.

There are also colourful, flavour-filled bowls, dishes that include pork, date and sage sausages and a slow cooked bean dish that’ll change your life.

The coffee is some of the best around too.

All in all, everything is amazing and you might need to visit a few times to try it all.

Big love Elk, you’ve done it again.

LOCATION: The Oasis Shopping Centre, Broadbeach
HOURS: Daily from 6am until 4pm

Words and photos by Kirra Smith

Fine dining at home with takeaway tipples

We are all about the good news and sometimes we’re lucky enough to bring extra good news. Which is exactly what’s happening here.

As you’ve no doubt noticed, local venues have been forced to transform the way they operate and many of them are absolutely getting it done.

We’re being offered takeaway from places we could never get takeaway before, there’s home delivery services, in-store grocery boxes, meals you can pop in the freezer and cook yourself later, the innovation has been next level and we have never been prouder to be Gold Coasters.

Go team.

Perhaps the very best thing to come from all this pivoting is the fact that we can now also purchase takeaway tipples to go with our dinner and that is something worth celebrating (or writing about, since here we are).

New rules came into effect last week (didn’t they what) whereby venues are allowed to offer alcohol with takeaway food only and that includes bottled or canned beer, wine, cider and ready-to-drink bevs, such as premixed spirits. A maximum of 2.25 litres of alcohol applies which seem like enough for one eve. Probably.

One of our favourite things to see at the moment is people who miss nights out (everyone) ordering takeaway dinners and opening up the boot of their car or sitting in the tray of their ute and devouring their dinner and drinks right outside the venue they got it from.

It’s almost (if you squint your eyes a bit) like being inside amongst the frivolity.

Anyway. There are several on board with the takeaway tipples side of things and we’ll add more as we come across them.

To begin;

The North Room in Mermaid Beach have created beautiful bento boxes, made even better with a bottle of wine or two. The boxes vary each week but recent treats have included: ‘Fremantle octopus, eggplant, lovage’, ‘Pork Jowl, rhubarb, peanuts, squash’, ‘Mud crab, bone marrow crumpet, cultured cream, salted egg yolk’, ‘Sprout, macadamia, yeast salad’ and a sweet treat of ‘PORK FAT CARAMEL WITH SEA SALT’. You can order by phone on 0468 311 003 or email [email protected]

Etsu Izakaya are offering their unrivalled Japanese dining menu along with wine and beers to make your night something extra special. It’s 20% off all takeaway at the moment and you can view the menu here.

Rabbath in Burleigh Heads serve up exceptional Lebanese food and have created a superb weekly takeaway menu that’s offered with paired beer or wine parings. View this weeks menu and order online here.

Restaurant Labart, also in Burleigh, have created a unique takeaway menu including lip smacking dishes like Confit Salmon, Quail Coq Au Vin or Chicken Parmigiana that all go perfectly with their selection of natural wines and local beers. Check out and order from their weekly menu here.

Rick Shores have reworked their menu into Ricks Tuk Shop pop-up in these unusal times. Most of their famous menu is available online and they can even deliver direct to your car out the front. While you’re in the hood, you may as well sample some of their excellent wines to go along with it. Menu is online here.

At Jimmy Wah’s you can sample a bundle of delicious goodies including a starter, main and a bottle of wine for $60. They completely sold out of their wine and dine takeaway menu this week, but stay tuned here for future selections.

For our southern friends, Tasca in Coolangatta are not only hand making some of the very freshest pasta you’ve ever sampled, they’ve also added wine to their takeaway menu. Buy already prepared or takehome to cook yourself from their Larder selection. View and order from their menu here.

So you see, there’s no reason we can’t all enjoy the local dining experiences we know and love, albeit in a slightly different way than we’re used to.

Get on board friends, it’s a good time.

10 Gold Coast labels slaying the fashion game

Sabbi Clothing, Gold Coast (image supplied)
Sabbi Clothing, Gold Coast (image supplied)

Ahh our humble, little ol’ Gold Coast… we’re famous for our food and fab beaches, but what about fashion? Well if we know a thing or two about Gold Coasters, it’s that beating our chest and making a big hoo-ha isn’t really our vibe so you might be surprised to know that some of Australia – and the world’s – most loved fashion brands started right here. Yep, turns out we’re really good at making more than just epic margs.

Here’s our pick of the 10 labels putting the GC on the global fashion map!

Kivari (image supplied)
Kivari (image supplied)

Kivari
What started as a humble stall at The Village Markets has since blossomed into a global brand bringing elevated resortwear to the everyday. So much so that even Saks Fifth Avenue can’t get enough of them – see, it’s not just us! If you aren’t familiar with Kivari’s signature look think ultra feminine meets boho prints and patterns, crafted for the dreamers and the wanderers – it’s giving major holiday energy and we’re here for it.

Olas Supply Co
Inspired by founders Joel & Nicole love of travel as well as the places and people they found along the way, so we guess you could say that Olas Supply Co isn’t just a brand; it’s a lifestyle. They’ve got goodies for the ladies, the lads and even your mini’s so the whole fam can get kitted out in your favourite swag from signature tees to matching sets that have summer written all over it. Designed for life by the ocean, they’re the ultimate for our sunkissed summers.

Olas Supply Co. (image supplied)
Olas Supply Co. (image supplied)

Rhythm
If you don’t already know Rhythm, then are you even really a Gold Coaster? It’s the quintessential surf brand that’s all about the good vibes and great design. From swimwear to clothing, Rhythm have become experts in capturing that laid-back, sun-soaked spirit of the Gold Coast. Consciously created, each and every piece is thoughtful designed with the coastal lifestyle in mind – think endlessly cool and comfortable.

Grace Loves Lace, VIVA Campaign (image supplied)
Grace Loves Lace, VIVA Campaign (image supplied)

Grace Loves Lace
If you’ve ever been a bride or are dreaming of one day being one, we bet you’ve pinned a Grace Loves Lace gown on your Pinterest board. Come on, don’t deny it – they are behind the most pinned wedding gown so you’re not alone. Known for their effortlessly beautiful bridal gowns, Grace Loves Lace has become an icon in the wedding space not just in their home town, but all over the world. They’ve got more than 20 showrooms globally so clearly they’re doing something very, very right. With a focus on comfort, style and individuality Grace gowns are made with movement in mind because ain’t nobody got time to be uncomfortable on their big day! But it’s not just lace they’re all about, there’s so much more – just take a look at their latest collection, an evolution from their signature silhouettes introducing more structured options made from crepes and more, while maintaining their commitment to gowns that move with you.

Peony Swimwear (image supplied)
Peony Swimwear (image supplied)

Peony Swimwear
Peony’s journey from The Village Markets to becoming a world-renowned sustainable swimwear brand has been one of our favourite success stories. Ever since lawyer turned swimwear mogul, Becky Jack, quite her day job to launch the boutique swim brand out of her garage the brand has not missed a beat delivering collections each and every season that make us immediately add to cart. With swim that as luxe and chic as it is eco-friendly, it’s no wonder celebs like Kendall Jenner and Bella Hadid approve of this Gold Coast gem.

Isabelle Quinn
Since 2015 Isabella Quinn has been bringing some of our favourite designs to life, think feminine and contemporary silhouettes with a hint of romance. Known for her signature crochet dresses and unmistakably IQ prints with pops of seasonal colours and floral influences because there’s more to life than black, white and beige. This Gold Coast brand has paved their own way and carved a niche in not just the local fashion scene with refined silhouettes in each hand-made piece, but Australian’s all over wanting a piece of IQ because IYKYK.

Isabelle Quinn (image supplied)
Isabelle Quinn (image supplied)

Sabbi
They might be relatively newbies on the fashion scene but boy have they made a splash with their iconic “this senorita needs a margarita” fits – and truly we’ve never related to something more. Cool and quirky by nature, Sabbi was born from a fusion of love for both art and fashion, with all the designs hand-painted by Jase and Ash themselves made for every day life. And what’s more iconic than a fit that can take you from beach to bar? Spoiler: nothing.

Cleo Harper
Fitness meets fashion with Cleo Harper, the activewear brand that’s all about looking fab while breaking a sweat. Known for their flattering cuts and attention to detail, Cleo Harper’s pieces are made to move with you, whether you’re hitting the gym, taking a hot girl walk in Burleigh or just popping out for the farmers market and your caffeine fix – Cleo Harper have got you covered, literally. Designed on the Gold Coast, this label has built a loyal following of women who love workout gear that look as luxe as they feel when you’re wearing them.

Homebodii, Gold Coast (image supplied)
Homebodii, Gold Coast (image supplied)

Homebodii
We don’t think we’re out of turn when we say that Homebodii were the pioneers of lounge and sleepwear, and can you believe founder Ingrid Bonnor did it all from right her? Known for their aesthetic designs, the label has become a go-to for brides with their dreamy robes, pastel prints and lace lined pieces they’ve got everything from custom pj’s for the whole family as well as dreamy lingerie for all occasions. Because why not inject a little romance into your every day life? If you’re a home body looking for something beautiful to slip into, Homebodii’s got your name all over it.

LSKD
Okay so technically these guys aren’t quite Gold Coast grown, but they started their journey just down the road in Logan so we’ll claim them as our own – and their flagship store is right here at Pacific Fair. Never ones to be content with settling for the norm, you’ve probably seen the insane evolution LSKD has been on these past few years and it’s not just us who are big fans – they’ve built a cult following. Functional, design-led pieces are at the forefront of the brand so you’re guaranteed to love the buttery soft fabrics and trend-making silhouettes. They’re on a mission to inspire people to be 1% better every day and let’s just say that’s a whole lot easier when you’re kitted out in their epic fitness apparel.

Words by Jacqueline Bojanowski

LSKD (image supplied)
LSKD (image supplied)
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