Home and business together
Your home loan and business finance, structured under one roof.
MASTER BUILDERS MEMBERS · QUEENSLAND
Home loans and finance for Master Builders.
Your home and your business.
One broker for both.
As the financial sponsor of Master Builders Queensland, Ausfirst Lending Group supports members with home loans, asset and equipment finance, development funding and commercial property lending. Richard Luke brings more than 30 years of experience and personally oversees every member’s loan, structured around how building businesses actually operate.
Excellent · 35 Google reviews40+Lenders, incl. commercial
30+ yearsRichard’s lending experience
1 brokerFor home and business
SponsorMaster Builders Queensland
ONE PICTURE, NOT THREE
One broker for the
whole building business.
Most builders end up with the home loan at one bank, equipment finance somewhere else and a commercial facility with a third, and no one looking at the whole picture. We structure your personal and business lending side by side, so one doesn’t quietly work against the other.
Banks, commercial and private
40+ lenders, matched to the job rather than one bank’s menu.
We speak builder
Retentions, progress claims, asset finance and lumpy cash flow are our everyday.
For members: refinancing, ongoing loan reviews and complimentary property valuations where available.
Start with a free chatWHY A SPECIALIST
What a standard
application misses.
A building business throws up things a standard application isn’t built for. These four matter most.
Income moves with the job
Progress claims, retentions and seasonal work. We show lenders the real earning capacity behind the timing.
An asset-heavy business
Structured well, utes, excavators and tools are a lever rather than a drag.
Director income
Your home loan depends on how company accounts are read. Add-backs and the right lender often lift capacity.
Cash flow between claims
Waiting on a progress payment shouldn’t stall the next job or the wages.
A QUICK COMPARISON
Gear, premises or home?
| What changes | Equipment | Premises | Home |
|---|---|---|---|
| Security | The asset | The property | Your home |
| Typical term | 1–7 years | Often shorter, reviewed | Up to 30 years |
| Assessed on | Business cash flow | Financials, lease, valuation | Your income |
Terms, rates and criteria vary by lender and asset type.
Map my financeKNOW YOUR NUMBERS
Finance the gear,
keep the cash.
Financing a ute, excavator or trailer keeps working capital free for wages and materials. A balloon payment lowers the monthly repayment, with a lump sum due at the end.
We structure the term and balloon around the asset’s working life and your cash flow.
- Asset cost, excluding GST
- Term matched to working life
- Balloon at the end, if any
- Business cash flow
YOUR GEAR, AT A GLANCE
What might repayments be?
$5k$500k
Illustrative monthly repayment$2,140
Balloon at the end$24,000
Total interest$32,375
Illustration only, not a quote. Repayments monthly in arrears. Excludes GST, fees and charges. Balloon limits vary by lender and asset.
Check my actual optionsTURNING BIG PLANS INTO FUNDED PROJECTS
Builds, developments
and contracts.
From a single spec home to a townhouse development, we help with feasibility, lender presentation and deal structure.
CONSTRUCTION AND DEVELOPMENT
Funding released as works progress.
Development finance can cover land, construction and project costs, usually drawn in stages against progress.
Spec-build and construction finance is structured around land, contracts and progress draws.
For contracts and tenders
Bank guarantees and performance bonds for commercial and government work, without tying up more cash than needed.
When banks don’t fit
Short-term or time-sensitive deals outside bank criteria, structured around a clear exit. Costs are usually higher.
Commercial, development and private lending criteria vary and are subject to lender assessment.
Got a project coming up? We’ll look at the numbers and which lenders suit the deal.
Check my next stepsFINANCE WE ARRANGE
What a working building
business needs.
Plus the home loan behind it.
Equipment and vehicles
Utes, trucks, trailers, excavators, tools and technology.
Working capital
Bridge progress claims so wages and suppliers keep moving.
Business and low-doc loans
Fund growth, tax or equipment when paperwork isn’t ready.
Shop fitting
Joinery, fixtures and equipment, matched to the project timeline.
YOUR HOME AND PREMISES
Property finance
for builders.
Buy your yard, workshop or home with a lender that understands builder income.
Home loans
Buy or refinance with a lender that reads builder income.
Commercial property
Warehouses, offices, sheds and workshops.
Investment property
Residential or commercial investments for the portfolio.
Refinancing
A sharper rate and a structure that suits the business.
Self-employed on the tools? See home loans built around contractor income.
Explore tradie home loansHOW WE WORK
Advice before
commitment.
We liaise with lenders, your accountant and your solicitor, so you can stay on site.
CONVERSATION
An obligation-free chat
We map your home and business finance.
REVIEW
Check what lenders accept
Residential, commercial and private options.
STRUCTURE
Recommend the structure
Personal and business lending that work together.
APPLICATION
We handle it
Prepared, submitted and managed with your advisers.
SETTLEMENT
See it through
We coordinate settlement and keep you informed.
AND BEYOND
Review as you grow
We review your facilities as the business grows.
Richard LukeFounder · Ausfirst Lending Group
MEMBERS ARE NEVER A NUMBER
Your business is personal.
Your broker should be, too.
Members are looked after by someone who treats your financial success as his own.
Richard personally oversees every member’s loan, from home lending to asset finance, development funding and commercial property.
His industry knowledge means lending strategies built around how builders and construction businesses operate, with Richard as your direct point of contact.
Direct access to RichardHome and business, one broker2024 Sunshine Coast Business Awards finalist
Talk to a broker
More about RichardWHAT OUR CLIENTS SAY
Good people.
Great support.
ExcellentBased on 35 Google reviews
Google review
“I would describe Richard and Ausfirst Lending as friendly, insightful, prompt and diligent. A pleasure to deal with.”
Google review
“Thanks to Richard and Debbie and the team at Ausfirst Lending… They are the gurus of self employed loans. I highly recommend their services.”
Google review
“I received very prompt responses to all of my questions and the team ensured that my application was processed in a timely manner. The service was brilliant!”
Excerpts from client reviews displayed on Ausfirst’s website. These reflect individual experiences.
LET’S CLEAR THINGS UP
Finance for builders.
Real questions.
The questions Master Builders members ask us most. Every business is different, so we’re happy to talk through the detail.
Ask a questionWhat asset finance can you arrange for members?
Vehicles, utes, trucks, machinery, earthmoving equipment, tools and technology, structured around your cash flow and project timelines.
Can you help with commercial term loans?
Yes. For working capital, expansion, equipment, fit-outs or consolidating business debt, with lenders that understand construction.
Do you arrange finance for commercial properties?
Yes. Offices, warehouses, sheds, workshops and investment properties, whether you’ll operate from them or lease them out.
How does development finance work?
It funds land, construction and project costs, usually released in stages as works progress. We help with feasibility, lender presentation and structure.
When is private commercial lending a good option?
When a project doesn’t fit bank criteria, you need funds quickly, or your financials are complex. It usually costs more, so a clear exit matters.
Can you help with bank guarantees for contracts?
Yes. We help arrange bank guarantees and performance bonds, explaining eligibility, costs and security requirements.
Do you finance shop fitting and fit-outs?
Yes, including joinery, fixtures, signage and specialised equipment, aligned with the project’s payment schedule.
START WITH A CONVERSATION
Talk to a builder-
finance specialist.
Your next home, a piece of gear, working capital or a commercial deal. Tell us what the business is doing, and we’ll show you how to structure it.
Home and business finance mapped together
Bank, commercial and private lenders
Direct access to Richard
Visit our Caloundra office
Suite 3/74 Bulcock St, Caloundra QLD 4551
Monday–Friday, and by appointment
YOUR FREE CONSULTATION
Tell us what you need.
Home, gear, cash flow or a commercial deal.
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