1. Obligation-free Conversation
This is your chance to tell us about your goals – whether you're buying your first home, upgrading, or refinancing. We’ll answer all your questions and explain what’s possible.
At Ausfirst Lending Group, we understand that a career in engineering isn’t just a job—it’s a foundation of stability, precision, and problem-solving. Whether you’re a Civil, Electrical, Mechanical, or any other type of Engineer, your expertise deserves a lending partner who applies the same level of attention to detail to your home loan journey.
When you choose Ausfirst, you’re not dealing with a faceless institution. You’ll work directly with Richard, our founder, who brings over 30 years of hands-on lending experience. Richard personally manages your loan from start to finish, ensuring you receive tailored advice, fast-tracked approvals, and solutions that align with your career and financial goals.
You’ll deal one-on-one with Richard, not a call centre. He’s a seasoned lending specialist who understands how to structure loans for professionals in high-responsibility, technical roles like yours.
Your career in engineering represents stability and future earning potential. We leverage this when negotiating with lenders to secure favourable rates and flexible loan terms, ensuring your application stands out from the pack.
With decades of experience, we know how to align your financial profile with lender expectations, even if your income includes bonuses, overtime, or contract-based projects common in engineering sectors.
Thanks to our long-standing relationships with leading banks, your loan application gets priority processing, meaning faster outcomes and less time waiting for approvals.
Whether you’re working on-site, in a design office, or managing a project in a remote area, you’ll have access to expert support wherever you are, every day of the week.
This is your chance to tell us about your goals – whether you're buying your first home, upgrading, or refinancing. We’ll answer all your questions and explain what’s possible.
Next, we build a custom loan strategy based on your unique circumstances and profession.
Once you’re happy with the plan, we prepare and submit your application – paperwork and all. Our expert team liaises directly with the lenders on your behalf and keeps you updated throughout.
When your loan is approved, we make sure everything runs smoothly right through to settlement. We stay by your side, coordinating with solicitors, real estate agents, and banks to ensure a stress-free handover.
Your expertise in building the future deserves home loan solutions designed for your profession. A home loan for Engineers provides competitive interest rates, reduced fees, and flexible repayment options, making homeownership more accessible and rewarding. With benefits such as Lenders Mortgage Insurance (LMI) waivers and professional package home loans, Engineers can secure their dream property sooner while reducing upfront costs.
At Ausfirst Lending, we understand the financial dynamics Engineers face, from contract work to navigating complex lender criteria. Our expert Brisbane mortgage brokers provide personalised support, helping you maximise borrowing capacity, demonstrate income stability, and secure a home loan that aligns with your long-term career goals. Whether you're seeking a fixed-rate mortgage, variable-rate loan, or features like offset accounts, we ensure you access solutions tailored to your financial objectives.
With access to a diverse range of lenders, including Australia’s major banks, we streamline the home loan process, ensuring your professional status is recognised to unlock fee waivers, competitive rates, and flexible features. Whether you're an experienced Engineer or early in your career, our team will help you navigate the application process and secure the best mortgage options suited to your professional standing.
Let Ausfirst Lending help you achieve homeownership. Contact us today to take the next step toward your dream home.
As an Engineer, your profession brings a combination of stable income, analytical problem-solving, and long-term career security. At Ausfirst Lending Group, we leverage these strengths to help you access unique home loan benefits tailored to professionals like you:
One of the key advantages for Engineers is the potential to have LMI waived. Typically, borrowers who contribute less than a 20% deposit must pay LMI to protect the lender. However, some lenders recognise the low-risk profile of Engineers and may waive LMI when borrowing up to 85% of the property’s value, saving you thousands in upfront costs.
Lenders often provide discounted interest rates to Engineers, reflecting the career stability and reliable income associated with the profession. These rate reductions can significantly lower your monthly repayments and generate considerable savings across the life of your loan.
Many lenders offer fee waivers or reductions for professional clients like Engineers. This can include application fees, account maintenance fees, and even exit fees, helping to reduce the overall cost of your mortgage.
Engineers may benefit from home loan products that include offset accounts, redraw facilities, and flexible repayment options. These features give you greater control over your mortgage, enabling you to pay off your loan faster and minimise interest expenses. Read More
While Engineers enjoy many advantages when applying for home loans, it’s important to stay aware of potential challenges that could impact your borrowing capacity or loan structure:
If you work in a contracting role or project-based employment, lenders may scrutinise your income stability more closely. This could affect how much you’re able to borrow or result in more stringent conditions attached to the loan.
Variable-rate loans can be appealing initially due to lower interest rates, but market rate increases could lead to higher repayments over time. For Engineers working on fixed-term contracts or in volatile sectors, this risk requires careful consideration. You might opt for a fixed-rate loan to maintain predictability in your repayments.
If you plan career breaks for study, sabbaticals, or project transitions, it’s vital to have emergency funds or loan features with repayment flexibility. These can buffer you against financial strain during employment gaps.
Whether you’re a full-time permanent Engineer or working on contracts, lenders will assess your financial stability and employment history. Here’s what they typically require:
Begin by speaking with a broker who understands the lending nuances for Engineers. At Ausfirst Lending, Richard brings decades of expertise, helping you identify lenders who offer professional benefits such as LMI waivers or tailored rates.
Gather:
With your broker’s assistance, submit an application for pre-approval. This step provides clarity on your borrowing capacity, so you can confidently search for properties within your price range.
Once you’ve found a property, your broker will help you lodge the formal application, collating necessary documents like the contract of sale.
After lender approval, you’ll receive a formal loan offer. Your broker will walk you through the fine details. Following acceptance, the settlement process begins, where funds are transferred, and property ownership is finalised.
At Ausfirst Lending, you’re not shuffled through a corporate system. You’ll work directly with Richard, who ensures your loan structure is designed for your unique financial situation and long-term career goals.
We access a broad panel of banks and lenders, allowing us to negotiate competitive rates and flexible features that suit Engineers—whether salaried or contract-based.
Our service is completely free for you. We’re compensated by lenders, allowing you to benefit from expert advice without hidden costs. Plus, we keep you informed at every step, ensuring full transparency.
As local experts, we offer tailored advice specific to Brisbane and the broader Queensland market, helping you navigate property trends and opportunities unique to the region.
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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 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.
We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.
Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
If you work in education—full-time, part-time, or even casually—there’s a good chance you could unlock exclusive home loan benefits.
We’ve helped everyone from school principals and support staff to online tutors and self-employed educators find smarter deals that suit their lifestyle. Whether you’re in a classroom, behind the scenes, or teaching from home, we’re here to guide you through your options.
Even if you’re in a non-traditional role—like casual teaching or contract work—you may still qualify. Lenders might just need a bit more detail, like recent payslips, bank statements, or a letter from your employer to confirm your income consistency.
Here’s a snapshot of who typically qualifies:
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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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.
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Finance your next property with ease using our second home loan options.
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Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
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Refinance and Save
Adapt your mortgage to suit your changing life circumstances with ease.
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Bridge the gap between buying and selling with short-term loan solutions.
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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.
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Live where you love and invest where it counts with our rentvesting strategies.
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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.
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Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
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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 SupportAt Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
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 play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Discover Teacher ProgramsFor those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
Structured 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 SolutionsWe 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.
Yes, many lenders offer exclusive benefits for Engineers, including discounted interest rates, waived Lenders Mortgage Insurance (LMI) for up to 85% loan-to-value ratio (LVR), and reduced or waived fees. These perks are designed to recognise the stable income and career prospects associated with the engineering profession.
Absolutely. Contract-based or self-employed Engineers can still access competitive home loans. You may need to provide additional documentation, such as payslips, tax returns, bank statements, and employment contracts, to demonstrate consistent income. A mortgage broker can help structure your application to meet lender criteria.
In most cases, Engineers are viewed as low-risk borrowers, which means standard deposit requirements (5%-20%) apply. However, for contract or self-employed Engineers, lenders might ask for a larger deposit to offset income variability. Some lenders, however, waive LMI for Engineers with deposits as low as 10%-15%.
Typical documents include recent payslips (or invoices for contractors), bank statements, proof of identity (driver’s licence or passport), employment contracts, and tax returns (for self-employed Engineers). A mortgage broker can assist in compiling the necessary paperwork for a streamlined application process.
A mortgage broker works across multiple lenders to find the best rates and loan features for Engineers. They negotiate LMI waivers, ensure your professional status is recognised by lenders, assist with complex income structures (especially for contractors), and simplify the entire application process for you—all at no cost to you.
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Ausfirst Lending Group Australian Credit Licence Number: 387366 | ABN: 68 845 798 048
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