Quality
We aim for a loan that exceeds your expectations on rate, options and service.
Mortgage broker in Caloundra, Queensland
Located in Caloundra, we help clients from Brisbane to the Sunshine Coast.
Your journey to financial security starts here. With more than 50 years of combined experience, Ausfirst Lending Group helps you find the home loan that suits your needs.
First home buyer, investor or refinancing for a better rate, we give expert guidance and competitive options at every step of the lending process.
Award-winning brokers
Finalist, 2024 Sunshine Coast Business Awards, Professional Services.

More than mortgage brokers
We compare options from banks, other lenders and credit providers to find the home loan that suits your financial situation, then stay with you long after settlement.
WHY AUSFIRST LENDING GROUP
Finance brokers in Caloundra guiding you from your first home to a growing investment portfolio.
We aim for a loan that exceeds your expectations on rate, options and service.
Over 40 lenders, from big banks to non-banks, compared for you.
Guidance from your first home to your next investment, plus a six-month review to keep your loan competitive.
Every broker on our team has over 10 years in the industry.
Solutions built around your best interests, not the bank’s.
Clear steps and regular updates, so you always know where things stand.
CHOOSING A BROKER
Your broker could be the difference between owning your dream home or losing it. A good broker guides you from pre-approval to settlement and beyond, works out how much you can borrow and solves issues along the way.
Experience is key. An inexperienced broker might miss vital details or misread a lender’s policy. With 50+ years of combined experience, and brokers who own property themselves, we know what lenders look for.
Don’t settle for the first broker you find online. Check reviews on Google, Facebook and Product Review to see what real clients say. Make sure your broker treats you as an individual, explains things clearly and offers solutions tailored to your situation.
And start early. Knowing how much you can borrow and resolving financial issues ahead of time can save headaches later. The sooner you start, the smoother it goes.
OUR LENDERS
Big banks, regional banks and specialist non-bank lenders.

































Client success stories
Structuring, lender knowledge and genuine care. Here’s what that looks like in practice.
Refinance & invest
A rate review freed the capacity for a medical specialist to buy two more investment properties.
0.50%+ above marketComplex lending
The right lender policy unlocked the capacity to settle an unconditional $4.2M auction purchase.
$4.2M purchaseFirst home buyers
A refinance and a repayment plan cleared a first home loan in under six years.
32 owned outright
WHAT MAKES AUSFIRST DIFFERENT
Securing the right loan should be personal, not a transaction.
When you choose Ausfirst, you deal directly with Richard, the founder, who brings over 30 years of hands-on lending experience across Queensland.
Unlike larger brokerages where you become a file number, Richard personally oversees every client’s loan, whether you’re buying your first home, refinancing, investing or financing business equipment.
VISIT YOUR LOCAL MORTGAGE BROKER
First home, refinance, trust or SMSF, we’re here to guide you every step of the way, in person in Caloundra, by phone or on Zoom.
EXPLORE OTHER LOAN SOLUTIONS WE OFFER
Whatever you’re planning, there’s a loan built for it. Filter by goal or profession to find yours.
Home ownershipFirst home buyersGrants, schemes and a smaller deposit to get you in sooner.Explore
Home ownershipSecond home loansKeep your current home and buy your next one.Explore
Home ownershipRefinancingReview your rate, fees and features against 40+ lenders.Explore
Home ownershipChanging home loansSwitch when your current loan no longer suits.Explore
Home ownershipHome equity loansUse the equity you’ve built for your next goal.Explore
Home ownershipBridging loansBuy your next home before you sell.Explore
Home ownershipRelocation loansFinance a move to a new city or region.Explore
Home ownershipLow deposit home loansBuy with less than 20% saved.Explore
Home ownershipFamily guarantee loansUse family equity to cut your deposit and LMI.Explore
Home ownershipGuarantor home loansBuy sooner with a parent backing your loan.Explore
Home ownership100% offset home loansLet your savings reduce your interest.Explore
Home ownershipLine of credit loansDraw on your equity as you need it.Explore
InvestingInvestment loansBuy your first rental or grow a portfolio.Explore
InvestingSMSF loansBuy property through your super fund.Explore
InvestingTrust loansBorrow through a trust structure.Explore
InvestingRentvestingRent where you love, invest where it counts.Explore
InvestingHoliday home loansA getaway that may help pay its way.Explore
InvestingDebt recyclingRestructure debt so more of it may work for you.Explore
Business & constructionCommercial property loansBuy premises or a commercial investment.Explore
Business & constructionConstruction loansFunds released in stages as you build.Explore
Business & constructionBusiness loansFund growth, equipment or working capital.Explore
Business & constructionCashflow lending for tradiesBridge the gap between progress claims.Explore
Business & constructionMaster Builders membersHome and business finance for members.Explore
Property improvementRenovation loansFund a renovation, big or small.Explore
Property improvementGreen home loansRate discounts for energy-efficient homes.Explore
ProfessionalsLMI waived loansProfessions that may skip LMI at 90%.Explore
ProfessionalsDoctorsMedico policies and waived LMI.Explore
ProfessionalsDentistsPractice and ABN income, read properly.Explore
ProfessionalsNursesShift income and packaging counted.Explore
ProfessionalsChiropractorsHealth professional waivers and pricing.Explore
ProfessionalsOptometristsEmployed, partner or practice owner.Explore
ProfessionalsPharmacistsHospital, community, locum or owner.Explore
ProfessionalsPsychologistsPrivate practice and contract income.Explore
ProfessionalsTeachersPermanent, contract or casual.Explore
ProfessionalsLawyersAssociates, partners and barristers.Explore
ProfessionalsPolice officersOvertime and allowances counted.Explore
ProfessionalsAccountantsCPA, CA and IPA LMI waivers.Explore
ProfessionalsEngineersContract, FIFO and bonus income.Explore
ProfessionalsTradiesABN income and the bank’s “no”.Explore
ProfessionalsSelf-employedFull-doc and low-doc options.Explore OUR SERVICE PROCESS
From the first conversation to ongoing reviews, here’s how we work.
UNDERSTAND
By phone, Zoom or in person, we learn your goals and needs.
GATHER
We collect key information to shape the right strategy.
ANALYSE & PLAN
We compare options and recommend a loan that fits.
APPLY
We prepare and submit it, making sure everything is in order.
FINALISE
We manage settlement and keep you informed throughout.
SUPPORT
We review your loan as your needs and the market change.
FREQUENTLY ASKED QUESTIONS
Anything else, we’re happy to talk it through.
Ask a questionA broker gives you access to many lenders and loan options, not just one bank. We compare them for you, often find sharper rates and do the legwork to save you time.
We start with a chat to understand your needs, compare loans from 40+ lenders, help with your application and guide you through settlement.
We handle the paperwork, compare lenders and liaise with solicitors and real estate agents, cutting the time and stress of managing your loan.
We don’t stop at settlement. You get ongoing support and regular rate reviews, and we’re required by law to act in your best interests.
Use the contact form on our website or call 07 3916 7070 to book your free consultation.
No problem. We can still compare your options to check you’re getting a competitive deal.
Usually anywhere from a few days to a week, depending on your situation and the lender.
Call us straight away. We’ll work quickly to secure finance within your contract timeframes.
For most home loans, nothing. Lenders pay us a commission, and we disclose any fees before you proceed.
A broker connects you to more lenders, giving you more choice than going to a single bank.
Fees, flexibility and loan features matter just as much in finding the right loan.
Typically two to four weeks from application to approval, depending on your situation.
