Home Loans

The right home loan every time, that's our promise.

So you’re looking to purchase a property? Congratulations! Whether this is your first time securing a home loan or you own a portfolio of properties, we’ll be your advocate every step of the way.

The home loan market is very competitive. 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? Well, you’ve come to the right place.

As your local Sunshine Coast Mortgage Brokers, our team can compare hundreds of home loan products. We chat with you to understand your needs, then match you with the best loan that’s currently available.

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 products and any special offers available to you.

Have you found your dream home?

Great! We understand that when you find the right home, you want to sort out your finance as quickly as possible.

A mortgage calculator can be a great place to start, but it’s best to book a free consultation with us. 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, 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.

The first thing we will do is catch-up to assess your situation and understand your goals. As Mortgage Brokers’ we help you to understand the different loan types and what sort of features you’d like your home loan to have.

When you know your borrowing potential, 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!

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Choose a Loanright Broker to be your advocate

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 Mortgage Brokers we listen to you to understand YOUR needs, then we compare a variety of home loan products available from Australia’s leading lending institutions.

Keep Competition Alive

We work with multiple lenders, to keep competition alive.

If Mortgage Brokers were not in business, competition and choice in the home loan industry would decline. Bank power and the risk of higher interest rates would increase, leaving Australian’s to pay the price.

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

We don’t just set you up with a home loan and then forget about you. An average home loan term is 30 years. Your needs change over the years, so why should your loan stay the same? We will regularly check in with you to review your home loan to ensure your loan is still working for you.

Testimonials

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.

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

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.

Home Loan Enquiry

Please fill in your details and one of our friendly Mortgage Brokers will give you a call to discuss your loan options.

Home Loan Enquiry

Please fill in your details and one of our friendly Mortgage Brokers will give you a call to discuss your loan options.