First home buyers
A suitable broker walks you through the Queensland First Home Owner Grant, the Australian Government 5% Deposit Scheme, deposit gaps and lender selection so you know exactly what is available.
Read the FHOG guide ->Booking pre-approval reviews this week
Home Loan Broker Sunshine Coast
compare lender options with the accredited mortgage brokers in our Sunshine Coast network. Free pre-approval review, prompt response, no fees to you.
- ✓ a broad lender panel side by side - big four, second-tier, mutuals, non-banks
- ✓ First home buyer, refinance, investment, construction - the right broker for each
- ✓ no-pressure broker review at a time that suits you
a broad lender panel compared
MFAA / FBAA accredited brokers
Free pre-approval review
First home / refinance / investment
prompt response
No fees to you
How we help
Tailored home loan support for every Sunshine Coast situation
We map your income, deposit and goals to the independent broker most likely to land the right structure on the right lender. No churn, no pushy sales. The broker handles the credit advice and the application end to end.
Refinance reviews
The broker compares your current rate, fees and structure against the panel - free. They flag whether the switch is worth it before you sign anything.
Read the refinance timing guide ->Investment property loans
Interest-only, offset, SMSF, multiple-property structures - the broker maps your strategy to the lender panel that supports it without locking you in.
Read the investor guide ->How it works
A simple four-step home loan process
- 01
Submit the form
A few details about your goal, deposit and income. Takes under three minutes.
- 02
Broker callback
An independent licensed mortgage broker reviews your details and contacts you to discuss your situation.
- 03
no-pressure broker review
The broker calls or video-calls you, confirms the borrowing power, the lender shortlist, and the realistic timeline. They handle the application and chase approvals.
- 04
Settlement and beyond
Your conveyancer, the lender and the broker aligned to a clean settlement day - and the broker stays available for annual rate reviews afterwards.
Borrowing power calculator
Estimate your Sunshine Coast home loan borrowing power
Enter income, dependants and existing commitments. Get a realistic indicative borrowing range against typical Sunshine Coast lender policy. No email gate.
For a precise, lender-specific number we run live serviceability on a broker review. The calculator gives you a starting point.
What clients say
Sunshine Coast families and investors connected with a home loan broker
Example reviews - illustrative local home loan scenarios.
★★★★★
“The broker we were supported by walked us through pre-approval and compared four lenders side by side. The structure was clearer than our existing bank's first option, and settlement was clean.”
★★★★★
“First home buyers, both PAYG. We had a very specific budget and the broker in the panel matched us with a lender that took the First Home Owner Grant into the deposit calculation the way the others would not. Saved us lenders mortgage insurance.”
★★★★★
“Refinance from our investment lender to a sharper rate plus an extra split for the renovation. The structure made sense after the broker on the panel mapped it out - the previous broker had not even discussed it.”
Frequently asked
Common home loan questions in Sunshine Coast
What is the Australian Government 5% Deposit Scheme?
The Australian Government 5% Deposit Scheme lets eligible first home buyers purchase with a 5% deposit and no lenders mortgage insurance, with the government guaranteeing part of the loan. Income caps and place caps were removed from 1 October 2025, but property price caps still apply - confirm the Sunshine Coast cap on the official scheme website before contracting. Your broker handles eligible scheme paperwork alongside your loan.
How much can I borrow for a home loan on the Sunshine Coast?
Most Sunshine Coast households we work with qualify for $450,000 to $900,000 on standard owner-occupier terms. Borrowing power depends on net income, ongoing commitments, dependants, and lender policy. We run live serviceability across a broad lender panel so the number you see is real, not a generic calculator estimate.
What does it cost to use a mortgage broker?
Nothing direct to you for a standard home-loan review. Mortgage brokers are generally paid commission by the lender when a loan settles. Your broker must disclose that commission, any fees and any clawback arrangements in writing before you commit to anything.
Do I need a deposit to get a home loan?
Most lenders ask for at least 5% genuine savings plus enough to cover lenders mortgage insurance. Family guarantor structures and the Australian Government 5% Deposit Scheme can reduce or remove the LMI cost for eligible buyers where eligibility and property price caps are met.
What documents will I need?
Two recent payslips, three months of personal account statements, ID, current loan or rent details, and an idea of the property type. Your broker can send a checklist tailored to your situation after the review starts.
Talk to a broker
Ready to request support from a Sunshine Coast broker?
Submit the form and an independent licensed mortgage broker will contact you to discuss your loan needs.