Mortgage Broker Sunshine Coast, QLD
Operating 20+ years as your trusted Mortgage Broker, Sunshine Coast locals have definitely put us to the test, forcing us to find yes’s, when the banks say no.
We act for you and have Australian banks and lenders bidding for your home loan solution. Our service is 100% free. It costs you nothing, but we save you thousands.
Our Home Loan Promise
When you’re applying for a home loan, we’ll help you find the best finance option in Australia, and no matter what your financial position, we’ll never give you a “no”. At the very least, we’ll give you a “how”
Sunshine Coast Mortgage Brokers That Care
Let’s face it, as you’re reading this, you’re probably rolling your eyes thinking here’s another corporate pretending they care. Well, we’re definitely not corporate, we get involved in Sunny Coast community projects (for fun) and it’s not uncommon that you’ll get lending advice from a professional in a pair of thongs – the footwear, just to be specific. We’re Sunny Coast through & through and you’ll get straight-up advice and honesty that’ll make you want to partner with us for life. Our team of experienced mortgage professionals even give you tips to reduce interest and pay off your home loans as fast as possible.
Why Choose our Mortgage Brokers?
Over 100 Lenders
To Choose From
With 100+ lenders to choose from, including Australia’s largest banks, 3rd tier lenders and even private investors, our Sunshine Coast Mortgage Brokers have the best panel to choose from for your home loan needs, giving you access to the best interest rates, nation-wide.
We never say no
to a home buyer
If the bank has said no, we’ll find a yes, or at the very least, a “how”. What this means is that we’ll help you with an expert strategy to achieve the property lending that you need. Sometimes there’s planning and credit-work to be done, but we’ll help you get there.
We'll do the hard yards
We’re Sunshine Coast Mortgage Brokers, which means we give Sunny Coast service. You’ll hardly lift a finger once we’ve got the details we need from you. We’ll handle the banks, negotiate with the lenders and find the best home loan products available in Australia.
Refinance & pay off your mortgage sooner
We want to be your finance partner of choice for life. We’ll give you financial strategies to knock years off your mortgage repayments. Aiming to be the best Mortgage Brokers, as well as Sunshine Coast locals, we’re working for you, not for the banks.
Our Reviews Speak For Themselves
Documents to provide to the lender
Here’s a rundown of the usual essentials for a home loan application in a more relaxed tone:
- Income Verification: Providing those payslips and tax returns to show your earning power.
- Savings Showcase: Bank statements to prove your financial stability.
- Assets and Liabilities : Create a spreadsheet of what you own versus what you owe.
- Debt Disclosure: Let us know any credit card or personal loan debts you’re currently juggling.
- Identity Proof (100 points style): Present your driver’s license, passport, and Medicare card to verify it’s really you.
Now, if your job or income streams are irregular, no worries. We have specialist lenders for you, but the list of documents you need might vary. Teaming up with a mortgage pro can help you explore options, especially if you don’t fit the standard mold as home loan applicant.
The Mortgage Brokering Process
Getting a home loan isn’t always a walk in the park—it can be a bit of a process, but if you team up with one of our mortgage brokers, we’ll have your back every step of the way, making sure you’re on the right track from the get-go.
- Firstly, we’ll give you a list of all the documents you need to provide.
- Our brokers will run a preliminary check, making sure it’s ok to proceed.
- We then assess all lenders and match you to the best offering available in Australia.
- We submit your application to the lender on your behalf.
- The lender researches the property value and various other checks to evaluate risk.
- If all goes well, the lender then gives us a thumbs up on the loan.
- The lender then formalises the offer with in writing via email. Assuming you’re happy, you’re approved and the funds are ready to be transferred upon purchase of your new property.
First Home Buyer Support QLD
When you’re applying for your first home loan, the whole finance process can be overwhelming. So here’s how we keep things simple for you.
- Firstly, we’ll give tell you about any QLD incentives for 1st home buyers including first home buyer grants, or low deposit schemes.
- Secondly, we’ll do all the home financing paperwork for you once you’ve supplied us with the information we need.
- We’ll then match you with the best suited mortgage choices and present several lenders with our recommendation.
- We’ll only make the full application if we 100% know you’ll be awarded the finance.
- We’ll give you a timeline of how the process works, and when you’ll know that your first dream home is 100% yours.
Is your Next Home A Property Investment?
Most Sunshine Coast property investors would highly recommend you partner with a broker to secure the best mortgage options. When you’re investing, it’s a serious business and a brokerage will help you get the best rate and navigate the home loan process. Purchasing a property can grow wealth, but it can also reduce cash flow, so our commercial finance team will guide you through what’s possible, what a likely interest rate increase could look like and run an affordability feasibility test. Working with a mortgage broker to secure the best home loan should be an investors’ highest priority. The first step is to understand your finances and get pre-approval before you buy a home.
Mortgage Broking FAQ's
A mortgage broker act for you, the customer and compares lenders, banks and private lenders to find you the best interest rates, conditions, terms and cash back offers available to your personal circumstances.
If you go directly to the bank for a home loan, it’s highly unlikely you’ll be getting the best mortgage deal available to you. A broker finds you the best rates, negotiates wit the banks and prepares your documentation on your behalf, at no cost to you.
Mortgage Brokers can save you thousands over the term of your home loan. Good mortgage brokers will review your financial position every few years and refinance you so you’re always on the very best rates.
If your mortgage broker is local, you can rely on them to understand the neighbourhood you’re purchasing property in. Often the banks or lenders won’t have the local insights that brokers do, and brokers tend to negotiate with this knowledge on your behalf.
Mortgage brokers get commissions or fees from the lenders once your application is successful. There’s an initial payout, but also a trail of passive income. There’s no incentive for a broker to choose any particular bank, but there’s a large incentive to keep you as a customer for the entire term of the loan, and thereafter, meaning that mortgage Brokers get you the best rates and conditions so you’ll choose them for your next loan.
We have a panel of 100+ lenders in Australia, including banks and 3rd tier lenders that have different risk criteria.
Yes! Mortgage brokers are regulated by the Australian Securities and Investments Commision. They adhere to ethical and professional standards set by ASIC, and they must always act in the best interest of the consumer.
No, but if the lenders say no, the broker can help you improve your position over-time, to a point where certain lenders could say yes.
The good news is that Australian lenders will only lend to you if you can afford the repayments. They stress-test your income versus expenses against a higher interest rate, just to be sure. If refinancing is required, in the future it’s no problem. There’s often a way to restructure your payments to make the repayments more manageable.
Yes, we do, in both the commercial and residential sectors. We have the best loan options across Australia for investment properties.
We can show you the comparison results and offers from all lenders. Usually we just show you the best three, but if you’d like more detail, that’s absolutely fine.
Our team is located right here on the Sunshine Coast, in Mooloolaba, but you’ll access the best rate and we’ll find the best deal across Australia.