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.
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.
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.
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.
Perhaps you would just like to know how much you could borrow?
When you know what you can afford, you can get a much better idea of what type of home you can buy and which suburbs you could live in. This is a great position to be in.
First up, our finance brokers will want to assess your situation and understand your personal goals. We help you to understand the different loan types and what sort of flexibilities you’d like your property finance to have.
When you know your borrowing potential, and we’ve pre-approved with your best home loan lenders, you can start talking with real estate agents so that you can jump on a property as soon as you find one you like.
Book a free consultation so we can provide you with the knowledge to get the ball rolling!
When you know what you can afford, you can get a much better idea of what type of home you can buy and which suburbs you could live in. This is a great position to be in.
First up, our finance brokers will want to assess your situation and understand your personal goals. We help you to understand the different loan types and what sort of flexibilities you’d like your property finance to have.
When you know your borrowing potential, and we’ve pre-approved with your best home loan lenders, you can start talking with real estate agents so that you can jump on a property as soon as you find one you like.
Book a free consultation so we can provide you with the knowledge to get the ball rolling!
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.
Testimonials from home buyers
Mortgage & Home Loan FAQ's
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.
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.
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.
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.
Yes! Give us a call on 1300 115 626 or get started online.
Yes! Give us a call on 1800 115 626 or get started online.
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:
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Maroochy area
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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.