Sunshine Coast Home Loans

Sunshine Coast Home Loans are our specialty. Whether this is your first time securing a home loan, or if you’re a veteran with a portfolio of properties, we’ll make life easy. We’re down-to-earth Sunny Coast locals, who explain the technical details in an easy-to-understand language, meaning that you can make decisions with confidence. We don’t charge you a cent, and we often get better rates than the banks will initially give you. Last but not least, we have a panel of 100+ lenders to choose from to secure the best interest rates and cash back rewards available in Australia, so you can secure your next chapter in life.

 

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Home Loans On The Sunshine Coast

With a combined 80 years experience as your mortgage brokerage on the Sunshine Coast, we’ve developed relationships in all the right places that you can benefit from. We’re spoilt for choice with the number of lenders and home loan products on offer in Australia. Each lender has multiple products under their brands, so how do you know which one is right for you to apply for? Well, we make it easy and guide you every step of the way.

As your local Sunshine Coast Home Loan experts, our team can compare hundreds of mortgage products. We chat with you to understand your needs, then match you with the best loan rate and terms that match your personal circumstances.

It’s an ever-changing market with interest rates moving and new home loan products on offer. Rest assured, we are always up-to-date with what’s happening in the loan marketplace. We’re across new loan product information and any special finance offers available to you.

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Our Mortgage Brokers Cost You Nothing

Whether it’s your first home purchase, a refinance deal, or you’re purchasing an investment property, our Mortgage Brokers on the Sunshine Coast don’t cost you a cent. We choose the right home loan option when you’re looking to buy; we answer any questions you have, and we compare lenders on your behalf. We’ll check their current rates, their range of products and give you expert advice on which lender we think is right for you. It doesn’t stop there; once you have your loan approved, our team will work hard in future years to query refinancing options with another lender to ensure you always find the best deal.

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100+ lenders to compare & access Australia’s best rates

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Quick Video About Our Mortgage Brokerage On The Sunshine Coast

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Our Home Loans Brokers Are Your Advocates

  • Comparison and Choice

    There are hundreds of loans available for home buyers, so why would you limit yourself to what your bank has available? As Sunshine Coast Home Loan Brokers, we listen to you to understand YOUR needs, then we compare a variety of the best home loan products available from Australia’s leading lending institutions.

  • Keep Competition Alive

    We work with a large amount of lenders to keep them competing.

    Our Sunshine Coast customers get access to the best home loan finance products in Australia. If Mortgage Brokers didn’t exist, competition in the home loan industry would decline. The risk of higher interest rates from banks would increase.

  • Stress-free Process

    Once we’ve established which loan suits your needs, we’ll get to work on your application, complete all the paperwork, and submit it to the bank on your behalf. Our aim is to save you time and stress, and to get things moving as quickly as possible so you can settle into your new home sooner.

  • Home loans that meet your changing needs

    As your Sunshine Coast home loan experts, we want to give you the confidence that means you’ll want to partner with us for life. We don’t just secure a home loan and then forget about you. We annually review your home loan, ensuring you’re getting the best rates at all times.

 

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Have You Found Your Dream Home?

Found the right home or investment property? You’ll want your finance secured as quickly as possible. As a long-standing, proud, local Mortgage Broker, Sunshine Coast residents get good-old, Sunny Coast service, and straight shooting, solid, genuine advice.

First up, you may want to investigate our mortgage calculator. This can be a great place to start, but it’s best to book a free consultation with us for a true understanding of your position. This ensures that we can assess your situation to give you a much more accurate idea of what you can afford.

If everything lines up, and you can afford your dream home or investment, we’ll act quickly to secure you a pre-approval.  This allows you to put in an offer on your dream home. Call us now on 1800 115 626 or get started.

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Customer Reviews & Comments

Instead of talking our finance brokerage up, read the our customer reviews. this is a direct feed from our Google business reviews, so you know it’s 100% genuine.

Mellissa Lambert
17/1/2024

We’ve used the expertise of Luke, Shayna and the Loanright team on two separate occasions now, I must say their service is second to none and they get the job done In record time. No question was too silly, they always have time for us. Would use again and recommend in a heart beat to anyone else needing brokerage assistance. Many thanks.

Felipe Prado
12/4/2024

We trust the Team at Loanright with our financial guidance. Throughout the whole process they make sure you are informed in time, accurately and with all the transparency you could ask for. It really sets you at ease that they have your best interest in mind. Their customer service is prestine and always available for you to ask any questions you may have. Thank you Loanright Team!

Rosalyn Taylor
12/4/2024

Brett and Alicia were a fantastic team to work with. Efficient, knowledgeable and supportive. They made the process so much easier than it could have been. Highly recommend!

Tim McGary
12/4/2024

OMG!! These guys are next level good. They have just settled our new home loan and we had another guy that took 4 weeks and did nothing. We then called these guys after a friend said they were amazing. They got us a home loan approved from start to finish in 35 days and I have just been released from a personal bankruptcy a few months back. We were unconditional on our purchase contract by the time we met these guys so they had to do everything perfectly and super quick. They did it with ease and the customer service and follow up and friendly attitude was totally incredible. I couldn’t recommend them anymore if I tried.

Ashley Pearce
12/3/2024

Luke and the team helped us with a refinance and we couldn’t be happier with the result. I would highly recommend the Loanright team to anyone.

Daniel O’Dea
12/4/2024

Brett and Alicia came highly recommended from a work colleague. I had previously gone through a pre approval process with another broker (which will remain unnamed). The difference was night and day. Being a first home buyer I had no idea what I was doing. Both Brett and Alicia were so accomodating and answered all my silly questions and walked me through EVERYTHING step by step. We had my pre approval through in about a quarter of the time of the last brokers!! Once I found the home I wanted to buy it was literally the easiest thing in the world. They will be getting all my business.

Alyshia Judd
12/2/2024

I had a fantastic experience with Alicia. Super friendly, warm and knowledgeable 10/10.

Nicholas Hopkins
12/4/2024

Luke and his fantastic team will take care of everything, An honourable mention to Deb Moss for meeting me at 6 am at a BP station to sign docs on here day off to enable me to get the house I had been chasing for months. Ledgends. Have dealt with Luke and his team before and will use them again and again their service is second to none.

Cassie McKee
12/4/2024

Luke and Shayna were awesome during the process of us buying our first home. So many things can be confusing during the process for first time and they were always happy to talk us through things no matter how small. Held our hand through the process and were able to get us into our first home. Very glad we found them. Highly recommend Loanright

Thea Hambuechen
12/4/2024

It has been a pleasure dealing with Luke and his team. During the process Alicia and Shayna have been very informative and kept in contact regularly to make sure we knew what was happening every step of the way! We will definitely be using Loanright in the future and highly recommend. Thank you again for helping us purchase our first home.

Adrian Chrisanthou
12/4/2024

Thanks so much Brett for your professionalism and tenacity in regards to getting my deal done with loanright. I look forward doing business with you in the future as I found the experience seemless and timely. Keep up the great work Brett and team

Tegan Shingles
12/4/2024

Sam & Shayna have been fantastic throughout my whole processing of purchasing my new home. No question went unanswered and both have always been a pleasure to talk to.

FAQ’s About Home Lending

How much do I need for a deposit?

Most Australian lenders require you to have a minimum deposit of 5% – 10% of the purchase price, plus enough savings to cover your purchasing costs (eg. stamp duty and conveyancing).

If you’re not quite there yet, give us a call and we’d be happy to provide you with some pointers on saving more of a deposit or next steps. There are also some great home loan resources on our blog.

How much money can I borrow?

We’re all unique when it comes to our finances and borrowing needs. Contact us today. We can help with calculations based on your circumstances.

What amount will my repayments be?

There are so many different loan products, some with lower introductory rates, so we really need to talk to you to understand your needs before we can quote your repayments. Talk to us today to see what’s currently on offer from our lending partners. We’ll work with you to find a loan set-up that’s right for you.

How often do I make home loan repayments — weekly, fortnightly or monthly?

Most lenders offer flexible repayment options to suit your pay cycle. We recommend that you aim for weekly or fortnightly repayments (as opposed to monthly). In doing so you will make more payments in a year, which will shave dollars and time off your loan.

I want to buy a property on the Sunshine Coast. Can you help?

Yes! Give us a call on 1300 115 626 or get started online.

I want to buy a property that is NOT on the Sunshine Coast. Can you help?

Yes! Give us a call on 1800 115 626 or get started online.

Which suburbs do you service on the Sunshine Coast?

We can assist you with finance in person or remotely via phone calls or zoom. We are not restricted by location, so give us a call wherever you’re located.

Sunshine Coast suburbs we service include…

Caloundra Area:

  • Aroona
  • Bald Knob
  • Balmoral Ridge
  • Battery Hill
  • Beerburrum
  • Beerwah
  • Bells Creek
  • Birtinya
  • Bokarina
  • Booroobin
  • Bribie Island North
  • Buddina
  • Caloundra
  • Caloundra West
  • Cambroon
  • Conondale
  • Coochin Creek
  • Crohamhurst
  • Curramore
  • Currimundi
  • Diamond Valley
  • Dicky Beach
  • Elaman Creek
  • Glass House Mountains
  • Glenview
  • Golden Beach
  • Harper Creek
  • Kings Beach
  • Landsborough
  • Little Mountain
  • Maleny
  • Meridan Plains
  • Minyama
  • Moffat Beach
  • Mooloolah Valley
  • Mount Mellum
  • North Maleny
  • Palmview
  • Parrearra
  • Peachester
  • Pelican Waters
  • Reesville
  • Shelly Beach
  • Warana
  • Witta
  • Wootha
  • Wurtulla

Maroochy area

  • Alexandra Headland
  • Belli Park
  • Bli Bli
  • Bridges
  • Buderim
  • Burnside
  • Chevallum
  • Coes Creek
  • Coolabine
  • Cooloolabin
  • Coolum Beach
  • Cotton Tree
  • Diddillibah
  • Doonan
  • Dulong
  • Eerwah Vale
  • Eudlo
  • Eumundi
  • Flaxton
  • Forest Glen
  • Gheerulla
  • Highworth
  • Hunchy
  • Ilkley
  • Image Flat
  • Kenilworth
  • Kiamba
  • Kidaman Creek
  • Kiels Mountain
  • Kulangoor
  • Kuluin
  • Kunda Park
  • Kureelpa
  • Landers Shoot
  • Mapleton
  • Marcoola
  • Maroochy River
  • Maroochydore
  • Mons
  • Montville
  • Mooloolaba
  • Mount Coolum
  • Mountain Creek
  • Mudjimba
  • Nambour
  • Ninderry
  • North Arm
  • Obi Obi
  • Pacific Paradise
  • Palmwoods
  • Parklands
  • Peregian Beach
  • Peregian Springs
  • Perwillowen
  • Point Arkwright
  • Rosemount
  • Sippy Downs
  • Tanawha
  • Towen Mountain
  • Twin Waters
  • Valdora
  • Verrierdale
  • West Woombye
  • Weyba Downs
  • Woombye
  • Yandina Creek
  • Yandina
  • Yaroomba

What fees and costs should I budget for?

There are a number of fees and costs involved when buying a home, or any property. To help avoid any surprises, the list below sets out the most common costs:

  • Stamp duty — This is the big one. All other costs are relatively small by comparison. Stamp duty rates vary between state and territory governments and also depend on the value of the property you buy. You may also have to pay stamp duty on the mortgage itself. Ask your Loanright Mortgage Broker to estimate your possible stamp duty charge.
  • Legal/conveyancing fees — Generally around $1,000 – $1500, these fees cover all the legal requirements around your property purchase, including title searches.
  • Building inspection — This should be carried out by a qualified expert, such as a structural engineer, before you purchase the property. Your Contract of Sale should be subject to the building inspection, so if there are any structural problems you have the option to withdraw from the purchase without any significant financial penalties. A building inspection and report can cost up to $1,000, depending on the size of the property. Your conveyancer will usually arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
  • Pest inspection — Also to be carried out before purchase to ensure the property is free of problems, such as white ants. Your Contract of Sale should be subject to the pest inspection, so if any unwanted crawlies are found you may have the option to withdraw from the purchase without any significant financial penalties. Allow up to $500 depending on the size of the property. Your real estate agent or conveyancer may arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
  • Lender costs — Most lenders charge establishment fees to help cover the costs of their own valuation as well as administration fees. We will let you know what your lender charges but allow about $600 to $800.
  • Moving costs — Don’t forget to factor in the cost of a removalist if you plan on using one.
  • Mortgage Insurance costs — If you borrow more than 80% of the purchase price of the property, you’ll also need to pay Lender Mortgage Insurance. You may also consider whether to take out Mortgage Protection Insurance. If you buy a strata title, regular strata fees are payable.
  • Ongoing costs — You will need to include council and water rates along with regular loan repayments. It is important to also consider building insurance and contents insurance. Your lender will probably require a minimum sum insured for the building to cover the loan.

Get In Touch With A Broker Near You

If you’d like more information about how to use finance to grow your business, then reach out and our commercial finance team will happily assist. Whether you’re in the market for vehicle finance, or specialist equipment, we have 100+ lending partners to choose from. You’ll be tapping into Australia’s largest network of banks and lenders.

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