Mortgage Brokers in Caloundra QLD

Your Journey Starts Here.

We are experts in taking the stress out of mortgage broking and lending.

Meet Queensland's Trusted Finance Brokers From Ausfirst Lending Group

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 offers custom lending solutions to meet your needs and help you reach your financial goals.

At Ausfirst Lending Group, we’re more than just mortgage brokers. Think of us as your local trusted advisors in Caloundra, like your accountant or solicitor. With decades of experience, our team is here to guide you through stress-free loan options that are tailored to fit your goals. We work with you every step of the way to ensure a smooth, transparent, and efficient process.

Whether you’re a first-time homebuyer, looking to refinance, or exploring investment opportunities, we’re committed to finding the best loan for your needs.

meeting with mortgage broker in Brisbane QLD
Award-Winning Brokers With 50+ Years Of Accumulated Knowledge & Lending Experience
Ausfirst Lending Group is proud to be recognised as a finalist in the 2024 Sunshine Coast Business Awards under the Professional Services category, showcasing our commitment to excellence and dedication to serving the community with integrity and expertise.
We’re thrilled to announce that one of Ausfirst Lending Group’s talented mortgage brokers, Debbie Hays, has been honoured as one of the Mortgage Industry’s Elite Women of 2024, recognised for her exceptional contributions and leadership in the field.
meeting with finance broker in Brisbane

Empowering Queenslanders in Caloundra Every Step of the Way

Buying a home, refinancing, or investing in property is more than just a financial transaction – it’s a life-changing journey. Our local mortgage brokers in Sunshine Coast understand that every client has their own specific needs, dreams, and circumstances.

That’s why we go beyond traditional mortgage broking, focusing on empowering you with the knowledge, tools, and options to make the best decisions for your financial well-being.

Quality

We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.

Choice

We work with over 40 lenders, including big banks and non-bank lenders, so you have plenty of options to choose the right loan for you.

Support

Our finance brokers in Caloundra QLD dedicated to guiding you throughout your home ownership journey, whether it’s securing your first home or expanding your investment portfolio. We provide ongoing support, including a 6-month review process to keep your loan competitive.

Experienced Brokers

Every broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.

Personalised Approach

We tailor loan solutions to focus on your best interests, not the bank’s.

Simple Process

Our process is transparent and easy to understand, making the entire journey hassle-free.

Quality

Our aim is to find you a loan that not only meets your requirements, but exceeds your expectations in terms of rate, product and service

Choice

We believe in providing you with choice at AusFirst Lending Group.

Support

We aim to support you in your dream of owning your own home or investment property.

The Right Mortgage Broker Can Make All the Difference

Your mortgage broker could be the difference between owning your dream home—or losing it. A good broker isn’t just someone who finds you a loan—they’re your guide through the entire process, from pre-approval to settlement, and beyond. They listen to your financial needs, figure out exactly how much you can borrow, and help solve any issues that might come up along the way.

Experience is key. An inexperienced broker might miss vital details or misinterpret a lender’s policy, which could cost you your loan. A seasoned broker, however, knows the ins and outs of the system, understands how banks operate, and has the connections to keep things moving smoothly. At Ausfirst Lending Group, with over 50 years of combined experience and brokers who own properties themselves, we know exactly what it takes to get your loan approved.

But how do you find the right broker? Don’t just settle for the first one you find online. Check reviews on Google, Facebook, and Product Review to see what real clients are saying. Make sure the broker treats you as an individual and doesn’t offer a one-size-fits-all solution. They should explain things clearly and offer solutions tailored to your situation.

And don’t wait—start talking to a broker early. Getting guidance on how much you can borrow and resolving any financial issues ahead of time can save you from headaches later. The sooner you start, the smoother the process will be. Read More

How We Work

We’ve made the loan process simple, so you can focus on your financial goals without stress. Here’s what to expect:

  1. Initial Consultation: We begin by understanding your financial needs and goals.
  2. Loan Comparison: We compare loan options from over 40 lenders to find the right fit for you.
  3. Application Process: We take care of all the paperwork and guide you through the application.
  4. Approval and Settlement: We stay with you through settlement, coordinating with your solicitor and real estate agent to ensure a smooth transaction.

We take care of everything from start to finish, so you don’t have to worry—your mortgage is in safe hands.

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.

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Our Lenders

About Us

About Us

Learn more about our professional mortgage brokers, ready to help you
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Services

Services

Learn more about our different services
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FREE Autovaluation

FREE Autovaluation

Receive a free valuation report!
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Calculators

Calculators

Use our calculators to find out how much you can borrow
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Resources

Resources

Understand what is going on in the finance industry
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Personalised Mortgage Services

Discover our wide array of services aimed at helping you reach your financial goals.

Why Partner with Us?

Backed by extensive experience in the mortgage sector, we provide a one-stop solution for all your home loan requirements. Whether you're refinancing or seeking investment loans, our team is dedicated to offering personalised guidance and expert insights.

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Our Mortgage Services

First Home Loans

First Home Loans

Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.

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Investment Loans

Investment Loans

Explore our investment loan solutions designed to help you build and grow your property portfolio.

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Home Equity Loan

Home Equity Loan

Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.

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SMSF Loans

SMSF Loans

Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.

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Trust Loans

Trust Loans

Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.

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Refinancing

Refinancing

Review and enhance your current mortgage terms with our refinancing options, designed to save you money.

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Frequently Asked Questions (FAQs)

Mortgage brokers give you access to many different lenders and loan options, which means more choices than going to a single bank. They find the best loan for you, often securing better rates and saving you time by doing all the hard work.

We start with an initial chat to understand your needs, compare loans from 40+ lenders, help with your application, and guide you through settlement.

Brisbane’s mortgage brokers take care of the complex paperwork, compare multiple lenders for you, and liaise with solicitors and real estate agents. This saves you time and cuts down the stress of managing the loan process.

Unlike others, we’re not just about getting you a loan—we offer ongoing support, including regular rate reviews, and always act in your best interest.

It's easy! Just contact us through our website or give us a call to book your free consultation.

No problem! We can still compare your options to make sure you're getting the best deal possible.

Pre-approvals can take anywhere from a few days to a week, depending on your situation.

Don’t worry. We’ll work quickly to secure your finances and make sure everything goes smoothly.

Our service is free for clients. Lenders pay us a commission, so you don’t have to worry about extra fees.

Brokers can connect you to more lenders, giving you more choices than if you went to just one bank.

Fees, flexibility, and loan features are equally important in finding the right loan for you.

The full process can take 2-4 weeks from application to approval, but it can vary based on your situation.

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