Mortgage Brokers in Caloundra QLD

How our Mortgage Broking Process Works

We’ve streamlined the mortgage broking process to make securing a home loan stress-free. Our licensed mortgage brokers will guide you through the process so you get a good deal with competitive rates.

1. Initial Consultation

Your journey begins with a first meeting. Here, we’ll assess your financial needs and goals. Whether you’re a first-time home buyer, looking to refinance, or investing in property, we provide expert advice on the best home loan products available.

2. Loan Comparison

We compare loan options from over 40 banks and credit providers. We also assess interest rates, fees, and lenders’ mortgage insurance (LMI) costs to find the most suitable solution.

3. Application Process

We manage the entire application, handling all paperwork and liaising with your current lender, other lenders, and any relevant finance association. Our team ensures your application meets all requirements, increasing your chances of approval.

4. Approval and Settlement

Once your loan is approved, we assist with the settlement process. We coordinate with your solicitor, real estate agent, and particular lender to ensure everything runs smoothly. We work in your best interests to secure the best outcome for you.

With Ausfirst Lending Group, your home loan options are simplified. We take care of everything from comparing the market to managing the payable costs. Contact us today to start your journey with a trusted mortgage broker in Australia!

Find the Right Brisbane Home Loan Without the Hassle

Choosing the right Brisbane home loan can feel overwhelming, but it doesn’t have to be. With access to over 40 lenders and live data pulled straight from the banks, we make it easy for you to compare loans and get the most up-to-date options—whether you’re buying your first home or looking to invest.

We handle everything—from comparing rates, calculating repayments, and considering extra features like offset accounts to help you save more. Your financial goals are our priority, and we’ll help you cut down on fees, reduce Lenders Mortgage Insurance (LMI), and secure the best deal that fits your needs—stress-free.

Brisbane Property Market: Where to Buy and How to Win

The Brisbane property market is a wild ride—are you ready for it? With the right strategy, you can navigate it confidently. From the inner city to the outer suburbs, it’s essential to know where to invest. Avoid areas that require large deposits of up to 30% by seeking expert mortgage advice.

Don’t be swayed by media hype about market crashes or booms—most of it misses the real picture. While prices may change, the key to success lies in identifying which suburbs hold true value. We’ll ensure your bank’s property valuation aligns with your purchase price and help you secure features like offset accounts to save on fees and pay off your loan faster. With expert advice, you’ll be ready to make smart, informed decisions in any market condition.

Low Deposit? No Problem—Here’s How to Cut LMI and Buy Sooner

Don’t let a small deposit stop you from owning a home. Lenders Mortgage Insurance (LMI) can be a major cost, but there are smart ways to reduce or even avoid it altogether. By increasing your deposit or lowering your Loan to Value Ratio (LVR), or using a family guarantor, you can keep your LMI in check and save thousands.

If a 20% deposit isn’t realistic, don’t worry. Brisbane lenders may accept as little as 5%, but you’ll need to prepare for LMI. That’s where strategies like family guarantor loans come in, allowing you to bypass LMI by using a relative’s property as security. Plus, government grants and first-home buyer schemes can help boost your deposit faster than you think.

We’ll guide you through all these options to help you minimise LMI costs and get into your new home sooner, even with a low deposit.

Credit Mistakes That Could Cost You Your Home Loan

Your credit cards and lender policies could quietly sabotage your home loan approval if you’re not careful. Lenders don’t just focus on your home loan—they assess all your credit, including high-limit cards you may barely use. Ignoring credit problems or tricky lender rules can cause delays or even get your application denied.

Managing credit limits, paying on time, and eliminating unnecessary cards is crucial. At the same time, understanding each lender’s unique policies is key to navigating the approval process. Our in-house credit experts ensure your application is airtight so hidden credit problems don’t stand in your way.

How to Boost Your Property Portfolio with Refinancing and Bridging Loans

Managing multiple properties or buying before selling? These situations can drain your cash flow if not handled strategically. Refinancing your property portfolio can lower your rates, free up cash for new investments, or consolidate your loans for better terms. And if you’re buying before selling, a bridging loan helps you close the gap—allowing you to secure your next property without waiting for your current one to sell.

We’ll assess your entire portfolio, streamline your loans, and make sure you’re not overpaying in interest. Whether you’re refinancing for growth or navigating a bridging loan, we ensure a smooth, affordable process that keeps your investments on track.

Self-Employed? It’s Harder, But Not Impossible

Being self-employed shouldn’t keep you from owning a home. But, it does make things trickier. Lenders want to see consistent income, and the key is showing them you’re stable—even if your paychecks vary.

We’ll help you package your income in a way that appeals to lenders. From gathering tax returns to proving your income, we’ll guide you through the process and find lenders who understand the challenges of freelancing in Brisbane.

Low Valuations or Poor Credit Could Stop Your Application

Low property valuations and credit scores can cause unexpected problems. If the bank values your property lower than expected, it can stop your application. That’s why we offer free upfront valuations with many lenders, so we can spot potential issues early and fix them before they become problems.

Your credit score matters, too. Every loan application triggers a credit inquiry, and too many inquiries can hurt your score. We make sure your loan application is rock solid before submitting it, protecting your credit score and speeding up approval.

Read Less