The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs.
With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.
Not sure what kind of loan you need for your current financial circumstances? That’s our job.
We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you.
Our lending solutions are tailored to fit a variety of property goals, financial profiles, and investment strategies. No matter your needs, we’ll help you find the right loan.
For buyers and homeowners managing their own property needs.
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Start Your First Home Journey
Finance your next property with ease using our second home loan options.
Finance Your Next Property
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Use Equity
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Refinance and Save
Adapt your mortgage to suit your changing life circumstances with ease.
Adjust Your Loan Terms
Bridge the gap between buying and selling with short-term loan solutions.
Bridge Your Finance Gap
Explore our investment loan solutions designed to help you build and grow your property portfolio.
Start Investing Now
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Use SMSF to Invest
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Finance with Trust Structure
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Access Advanced Lending
Live where you love and invest where it counts with our rentvesting strategies.
Learn About Rentvesting
Own your dream holiday retreat with our tailored holiday home loan solutions.
Buy a Holiday Home
Transform your property with renovation loans tailored for projects of any size.
Upgrade Your Home
Finance eco-friendly homes or upgrades with our green loan products.
Go Green with Financing
Secure finance for your business property needs with our commercial loan options.
Finance Your Business
Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
See If You Qualify
Tailored for self-employed professionals and business owners who may not have traditional income verification.
Simplified Documentation Loans
Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Reduce Interest
With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.
Leverage Family SupportWe offer lending options specifically designed for healthcare professionals, educators, skilled trades, legal experts, and business owners—tailored to match your income patterns and career needs.
At Ausfirst Lending Group, we recognise that medical and healthcare workers require more than just a standard loan—they need a broker who understands their profession's demands. Whether you're a doctor, nurse, dentist, or allied health provider, we offer home loan solutions with personalised service, LMI waivers, and flexible lending structures suited to your career path. With Richard’s 30+ years of direct broking experience, you’ll benefit from a smooth, transparent, and expertly managed loan journey.
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Get Doctor-Specific Rates
Flexible loan terms aligned with shift work schedules and frontline service benefits.
Explore Nurse Options
Mortgage options that recognise the cash flow patterns of clinic-based professionals.
Chiropractic Lending Solutions
Lending solutions tailored for high-earning professionals with private practice considerations.
Tailored Loans for Dentists
Customised loans for optometrists balancing practice ownership and salaried roles.
Explore Optometrist Packages
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Mortgage Options for Pharmacists
Tailored lending for physiotherapists in private clinics or mobile practices.
Loans Designed for Physio
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
See Psychologist Lending BenefitsEducators are at the heart of shaping future generations, and we’re committed to making their path to homeownership straightforward and rewarding. Whether you're a school teacher, childcare educator, university academic, or support staff member, we offer mortgage solutions that honour your contribution to the community. With tailored lending benefits and flexible loan terms, we simplify the process so you can focus on what you do best—educating and guiding others.
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Discover Teacher ProgramsWhether you work in law enforcement, legal services, emergency response, or defence, your role comes with unique responsibilities—and your home loan should reflect that. We offer mortgage solutions tailored to the demands of your profession, with flexible terms, dedicated support, and benefits that recognise your service.
From police officers and firefighters to lawyers and military personnel, we simplify the lending process to help you secure a home with confidence and clarity.
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
See Legal Lending Benefits
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Secure Police Offers
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
See Tradie Home Loans
Flexible lending tailored to business owners and freelancers with variable documented income.
Apply as Self-Employed
Structured loan solutions designed for accountants with layered income sources and business deductions.
See Accountant Lending Solutions
Lending options structured for engineers with contract-based or salaried employment structures..
Loan Packages for EngineersWe begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
We prepare and submit your application to the lender, ensuring everything is in order.
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
We provide continuous support and review, offering updated loan options as your needs evolve over time.
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
The variable rate loan offers more features and flexibility than the basic fixed rate loan. Variable rates can move up and down with the market whereas fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan. Honeymoon rates can last up to 3 years. Loans always need to be reviewed after the honeymoon is over.
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and can be more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
Securing the right loan should be a personal journey, not a transaction. That's why when you choose us, you deal directly with Richard, the founder, who brings over 30 years of hands-on experience managing diverse loan projects across Queensland.
Unlike larger brokerages where you become just another file number, Richard personally oversees every client's loan process—whether you're purchasing your first home, refinancing, expanding your investment portfolio, or acquiring commercial equipment. His extensive industry knowledge ensures you receive tailored advice, a smooth application experience, and solutions that align with your long-term financial goals.
We’re not just mortgage brokers; we’re your trusted lending partners. With a commitment to transparency, accessibility, and genuine care.
In other words, you are not passed between departments—you are looked after by someone who treats your financial success as his own.
Speak to Richard Today →Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.
Location: Suite 3/74 Bulcock St, Caloundra QLD 4551
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