Skip to main content
Mortgage Broking • Australia-wide

Your Home Loan. Our Expertise.

Tailored mortgage solutions with guidance at every step. We compare a wide panel of lenders to help you move sooner—stress-free.
Personalised advice
Access to many lenders
No-obligation chat
Ongoing support

Meet Queensland’s trusted finance brokers from Ausfirst Lending Group.

50+years of combined lending experience

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.

50+Years combined
40+Lenders compared
$0Fee for home loans

Award-winning brokers

50+ years of accumulated knowledge and lending experience.

Finalist, 2024 Sunshine Coast Business Awards, Professional Services.

50+ years combined40+ lenders81 Google reviews
Ausfirst broker meeting a couple to discuss their home loan
“Like your accountant or solicitor.”A local partner you can call on for years.

More than mortgage brokers

Your local, trusted lending partner.

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.

  • Banks and non-banks compared. 40+ lenders on our panel.
  • One broker throughout. You deal directly with Richard and the team.
  • Reviews after settlement. We keep checking your loan stays competitive.
Posted on Google Google
Matt Shavikin profile picture
Matt Shavikin
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Richard and team made the process simple and efficient, with great communication along the way!
Posted on Google Google
Matthew Mooyman profile picture
Matthew Mooyman
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have been dealing with Richard, Josh, and the Ausfirst Lending team for many years, and their service has always been exceptional. Most recently, they helped us secure a new mortgage for our family home. They were professional, efficient, and incredibly helpful throughout the entire process. Their communication and support made everything seamless and stress-free. I couldn't recommend them highly enough. Thank you to the whole team!
Posted on Google Google
C M profile picture
C M
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ausfirst have always been very helpful and professional in providing loan options and guidance to us and our family. Chris & Kerry M
Posted on Google Google
Aden Dall'Osto profile picture
Aden Dall'Osto
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Richard and his team are absolute lifesavers. My partner and I came to them after another broker flat-out rejected our application and left us stranded. Richard stepped in with incredible energy and an immediate eagerness to help, and the team got us an answer within just 24 hours. The work ethic here is next level; Richard was sending us crucial updates at 1900hrs so we never had to stress about where things stood. Professional, relentless, and truly dedicated to getting the deal done. Highly recommend!
Posted on Google Google
Alana Blumsom profile picture
Alana Blumsom
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I honestly can’t recommend Richard highly enough. From our very first conversation, it was obvious that he genuinely cared about getting the best outcome for us, he is incredibly knowledgeable, responsive, and patient. Richard had pre approval for our home loan before the original company we chose to go with even bothered to respond.  Richard was always available to answer questions, explain things in plain English, and keep us updated. These days I find it is rare to come across someone who exceeds expectations to the extent Richard did. He went above and beyond at every stage, and the outcome he achieved for us was fantastic. If you’re looking for a mortgage broker who genuinely cares, works incredibly hard for his clients, and delivers exceptional results, Richard is the person you want in your corner. Thank you, Richard. We were absolutely blown away by your service.
Posted on Google Google
Nathan Wilson profile picture
Nathan Wilson
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Richard and the team worked tirelessly to ensure the goal was met. This was through consistent knowledge of products and persistence with a hard lender
Posted on Google Google
Larenda Bright profile picture
Larenda Bright
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Best in the business. Detailed and professional. Answer questions clearly & offer solutions. Love working with them.
Posted on Google Google
Shane Bright profile picture
Shane Bright
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Time for another review! We've known Richard for over 30 years now... & have trusted him & his team with all our finance requirements no matter how big or small. With Josh working alongside, they are the perfect team. We are 1400ks away, and everything is super easy, super efficient & easy to process... Wouldn't go anywhere else. Thank you again .. A Team.

WHY AUSFIRST LENDING GROUP

Six reasons clients
stay with us.

Finance brokers in Caloundra guiding you from your first home to a growing investment portfolio.

Quality

We aim for a loan that exceeds your expectations on rate, options and service.

Choice

Over 40 lenders, from big banks to non-banks, compared for you.

Support

Guidance from your first home to your next investment, plus a six-month review to keep your loan competitive.

Experienced brokers

Every broker on our team has over 10 years in the industry.

Personalised approach

Solutions built around your best interests, not the bank’s.

Simple process

Clear steps and regular updates, so you always know where things stand.

CHOOSING A BROKER

The right mortgage broker
can make all the difference.

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.

Read moreRead less

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

40+ lenders, compared for you.

Big banks, regional banks and specialist non-bank lenders.

  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
  • Lender logo
Richard Luke, founder of Ausfirst Lending Group
Richard LukeFounder · Ausfirst Lending Group

WHAT MAKES AUSFIRST DIFFERENT

You are looked after by someone
who treats your success as his own.

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.

Direct access to Richard40+ lenders compared2024 Sunshine Coast Business Awards finalist
Have a chat with RichardMore about Richard

VISIT YOUR LOCAL MORTGAGE BROKER

Find us on the
Sunshine Coast.

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.

Office hours

Suite 3/74 Bulcock St
Caloundra QLD 4551
  • Monday9 am–5 pm
  • Tuesday9 am–5 pm
  • Wednesday9 am–5 pm
  • Thursday9 am–5 pm
  • Friday9 am–5 pm

EXPLORE OTHER LOAN SOLUTIONS WE OFFER

A loan for every
property goal.

Whatever you’re planning, there’s a loan built for it. Filter by goal or profession to find yours.

First home buyersHome ownershipFirst home buyersGrants, schemes and a smaller deposit to get you in sooner.Explore Second home loansHome ownershipSecond home loansKeep your current home and buy your next one.Explore RefinancingHome ownershipRefinancingReview your rate, fees and features against 40+ lenders.Explore Changing home loansHome ownershipChanging home loansSwitch when your current loan no longer suits.Explore Home equity loansHome ownershipHome equity loansUse the equity you’ve built for your next goal.Explore Bridging loansHome ownershipBridging loansBuy your next home before you sell.Explore Relocation loansHome ownershipRelocation loansFinance a move to a new city or region.Explore Low deposit home loansHome ownershipLow deposit home loansBuy with less than 20% saved.Explore Family guarantee loansHome ownershipFamily guarantee loansUse family equity to cut your deposit and LMI.Explore Guarantor home loansHome ownershipGuarantor home loansBuy sooner with a parent backing your loan.Explore 100% offset home loansHome ownership100% offset home loansLet your savings reduce your interest.Explore Line of credit loansHome ownershipLine of credit loansDraw on your equity as you need it.Explore Investment loansInvestingInvestment loansBuy your first rental or grow a portfolio.Explore SMSF loansInvestingSMSF loansBuy property through your super fund.Explore Trust loansInvestingTrust loansBorrow through a trust structure.Explore RentvestingInvestingRentvestingRent where you love, invest where it counts.Explore Holiday home loansInvestingHoliday home loansA getaway that may help pay its way.Explore Debt recyclingInvestingDebt recyclingRestructure debt so more of it may work for you.Explore Commercial property loansBusiness & constructionCommercial property loansBuy premises or a commercial investment.Explore Construction loansBusiness & constructionConstruction loansFunds released in stages as you build.Explore Business loansBusiness & constructionBusiness loansFund growth, equipment or working capital.Explore Cashflow lending for tradiesBusiness & constructionCashflow lending for tradiesBridge the gap between progress claims.Explore Master Builders membersBusiness & constructionMaster Builders membersHome and business finance for members.Explore Renovation loansProperty improvementRenovation loansFund a renovation, big or small.Explore Green home loansProperty improvementGreen home loansRate discounts for energy-efficient homes.Explore LMI waived loansProfessionalsLMI waived loansProfessions that may skip LMI at 90%.Explore DoctorsProfessionalsDoctorsMedico policies and waived LMI.Explore DentistsProfessionalsDentistsPractice and ABN income, read properly.Explore NursesProfessionalsNursesShift income and packaging counted.Explore ChiropractorsProfessionalsChiropractorsHealth professional waivers and pricing.Explore OptometristsProfessionalsOptometristsEmployed, partner or practice owner.Explore PharmacistsProfessionalsPharmacistsHospital, community, locum or owner.Explore PsychologistsProfessionalsPsychologistsPrivate practice and contract income.Explore TeachersProfessionalsTeachersPermanent, contract or casual.Explore LawyersProfessionalsLawyersAssociates, partners and barristers.Explore Police officersProfessionalsPolice officersOvertime and allowances counted.Explore AccountantsProfessionalsAccountantsCPA, CA and IPA LMI waivers.Explore EngineersProfessionalsEngineersContract, FIFO and bonus income.Explore TradiesProfessionalsTradiesABN income and the bank’s “no”.Explore Self-employedProfessionalsSelf-employedFull-doc and low-doc options.Explore

OUR SERVICE PROCESS

Six steps.
One broker beside you.

From the first conversation to ongoing reviews, here’s how we work.

01

UNDERSTAND

Initial consultation

By phone, Zoom or in person, we learn your goals and needs.

02

GATHER

Your financial picture

We collect key information to shape the right strategy.

03

ANALYSE & PLAN

Your lending strategy

We compare options and recommend a loan that fits.

04

APPLY

Your application

We prepare and submit it, making sure everything is in order.

05

FINALISE

Settlement

We manage settlement and keep you informed throughout.

06

SUPPORT

Ongoing reviews

We review your loan as your needs and the market change.

FREQUENTLY ASKED QUESTIONS

Your questions,
answered.

Anything else, we’re happy to talk it through.

Ask a question
Why should I use a mortgage broker?

A 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.

How does Ausfirst Lending Group work?

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

How can a mortgage broker simplify the process?

We handle the paperwork, compare lenders and liaise with solicitors and real estate agents, cutting the time and stress of managing your loan.

What’s the benefit of Ausfirst over other brokers?

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.

How do I make an appointment?

Use the contact form on our website or call 07 3916 7070 to book your free consultation.

What if I’ve already spoken to my bank?

No problem. We can still compare your options to check you’re getting a competitive deal.

How quickly can I get pre-approved?

Usually anywhere from a few days to a week, depending on your situation and the lender.

What if I’ve exchanged contracts but don’t have finance approved?

Call us straight away. We’ll work quickly to secure finance within your contract timeframes.

How much do mortgage brokers charge?

For most home loans, nothing. Lenders pay us a commission, and we disclose any fees before you proceed.

Is it better to get a mortgage from a bank or a broker?

A broker connects you to more lenders, giving you more choice than going to a single bank.

What matters other than the interest rate?

Fees, flexibility and loan features matter just as much in finding the right loan.

How long does a mortgage application take?

Typically two to four weeks from application to approval, depending on your situation.

Memberships