EXCELLENT Based on 35 reviews Todd Hughes2024-08-05Trustindex verifies that the original source of the review is Google. I would describe Richard and Ausfirst Lending as friendly, insightful, prompt and diligent. A pleasure to deal with. Baz Saad2024-07-25Trustindex verifies that the original source of the review is Google. Deb and the team at Ausfirst lending are professional, patient, diligent and really work hard to find you the best deal to suit your circumstances Thank you Deb for all your hard work and your perseverance with us during a difficult time. Highly recommend them if you are looking for world class loan or refinancing in Brisbane. TrueToneInc2024-07-23Trustindex verifies that the original source of the review is Google. We have had a number of loans and refinances with Debbie as our broker and her service and attention to detail is second to none. Absolutley professional and a lovely person as well. Nick S boli dalziel2024-05-31Trustindex verifies that the original source of the review is Google. After my car was written off of no doing of myself I was at a loss! Rich was recommend to me and he was my finance angel! He was amazing, patient and so understanding in a rather traumatic experience and nurtured me through a process that I had no experience with. Rich was patient, kind and no question was to hard. I know have a brand new car and feel amazing! Thank you Rich, I actually never thought it could happen but you made it happen for me. Marius Inisconi2024-05-27Trustindex verifies that the original source of the review is Google. Debbie and the team were amazing! Made the process seem super easy. Sara Butler212024-05-26Trustindex verifies that the original source of the review is Google. Thanks to Richard and Debbie and the team at Ausfirst Lending for their hard word to get our loan funded. They are the gurus of self employed loans. I highly recommend their services. Johanna Telford2024-04-29Trustindex verifies that the original source of the review is Google. 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! Mary Pigram2024-02-20Trustindex verifies that the original source of the review is Google. Am thoroughly impressed with the response rate, attention to pertinent specifics with regard to personal circumstances and 'open box' flexibility to look at various options. Debbie H is top calibre! James2024-01-15Trustindex verifies that the original source of the review is Google. Great service and easy to deal with :) Rick2023-12-01Trustindex verifies that the original source of the review is Google. Debbie Hays and the team at Ausfirst are an absolute pleasure to deal with. Debbie made the process of buying a new house frictionless, by providing excellent support throughout
Your role as a police officer places you among Australia’s most trusted professionals, and that trust extends to specialised home loan options tailored to your needs. Designed to recognise law enforcement officers’ unique financial circumstances, these options empower you to achieve homeownership or expand your property portfolio.
At Ausfirst Lending, we specialise in helping police officers like you navigate these mortgage options. Our experienced brokers understand the specific requirements of law enforcement professionals and work closely with you to find the best loan structure to suit your goals. From maximising your borrowing potential to ensuring a seamless application process, we’re here to guide you every step of the way.
While law enforcement home financing provides significant benefits, there are some challenges and risks you must consider to better navigate the home loan process and make informed financial decisions:
A significant portion of a police officer’s income often comes from overtime. Any reduction in shifts or workload could impact your ability to meet loan repayments. Additionally, note that some lenders only recognise up to 80% of your overtime income, which may limit your borrowing capacity.
To qualify for home loans for law enforcement personnel, you typically need to meet the following criteria:
You must have stable employment within a law enforcement role. Whether you’re a police officer, detective, forensic specialist, or part of a specialised unit, lenders value the steady and reliable income associated with these roles.
Maintaining a strong credit record with no major defaults is essential, as lenders assess your credit report to determine your financial responsibility and ability to manage repayments effectively.
A savings history can help you purchase a home. If your savings are low, there are alternative options, such as security guarantors or government grants, that may assist in the process.
The property you’re planning to buy must fall within approved categories, which may vary per lender.
Lenders require detailed documentation to verify your income and financial stability. Usually, you’ll need to provide:
Navigating the home loan process as a police officer shouldn’t be complicated. At Ausfirst Lending, we’re here to make the journey hassle-free so you can focus on your career.
Our team of expert brokers understands the financial nuances of law enforcement professionals, from shift work income to salary packaging. We’ll help you achieve your homeownership goals as seamlessly as possible.
We are proud to partner with the Queensland Police Legacy Scheme in support of their invaluable work. For every completed lending transaction of over $300,000 in net lending, Ausfirst Lending will make a donation of $100 per $100,000 to the Queensland Police Legacy, helping them provide financial and emotional support to the families of deceased Queensland Police officers.
This partnership ensures that every loan you take through us also gives back to those who have given so much to their community.
When you choose Ausfirst Lending, you are not only securing the best loan solutions tailored to your needs but also supporting the well-being of the Queensland Police family.
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.
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.
Police home loans recognise the stability and unique financial needs of law enforcement professionals. They often include benefits, such as consideration of overtime and allowances in your assessable income.
Yes, police home loans are accessible to law enforcement professionals across all states and territories, including federal police and border force officers. These benefits extend to various roles, such as detectives, forensic officers, and mounted police.
Overtime often forms a significant part of police officers’ income. Many lenders accept 100% of your overtime income if you provide consistent evidence, such as an employment letter and payslips showing regular earnings.
Yes, as a police officer, you can actually borrow up to 95% of the property value without a guarantor. If you have a guarantor, this can further increase, allowing you to cover the purchase price and associated costs like stamp duty.
Yes, certain lenders consider salary packaging benefits, such as novated leasing or allowances, as part of your assessable income.
Police home loans generally apply to standard residential properties in metropolitan or select regional locations.
You’ll need recent payslips, a letter from your employer confirming income and overtime details, your latest tax return or payment summary from MyGov, and evidence of genuine savings. These documents help lenders assess your financial stability and borrowing capacity. This varies on each loan application. What is here is more just a starting point. Brokers can help people so they know what to provide.
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
📍 View on Google Maps
From first-time buyers to seasoned investors, we provide loan solutions designed to align with your property goals and financial situation. We’ll support you every step of the way.
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 JourneyFinance your next property with ease using our second home loan options.
Finance Your Next PropertyLeverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Use EquityReview and enhance your current mortgage terms with our refinancing options, designed to save you money.
Refinance and SaveAdapt your mortgage to suit your changing life circumstances with ease.
Adjust Your Loan TermsBridge the gap between buying and selling with short-term loan solutions.
Bridge Your Finance GapExplore our investment loan solutions designed to help you build and grow your property portfolio.
Start Investing NowUtilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Use SMSF to InvestSecure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Finance with Trust StructureUnlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Access Advanced LendingLive where you love and invest where it counts with our rentvesting strategies.
Learn About RentvestingOwn your dream holiday retreat with our tailored holiday home loan solutions.
Buy a Holiday HomeTransform your property with renovation loans tailored for projects of any size.
Upgrade Your HomeFinance eco-friendly homes or upgrades with our green loan products.
Go Green with FinancingSecure finance for your business property needs with our commercial loan options.
Finance Your BusinessSave thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
See If You QualifyTailored for self-employed professionals and business owners who may not have traditional income verification.
Simplified Documentation LoansTake advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Reduce InterestWith 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 provide finance options tailored for medical professionals, educators, tradespeople, legal practitioners, and business owners—structured to fit the way you work and earn.
At Ausfirst Lending Group, we understand that healthcare professionals need lending solutions that consider their unique work-life balance. Whether you're a doctor, nurse, dentist, or allied health expert, we deliver personalised loan strategies with LMI waivers and flexible terms. Backed by Richard’s 30+ years of frontline broking experience, we ensure your loan journey is straightforward, transparent, and managed with care.
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Get Doctor-Specific RatesFlexible loan terms aligned with shift work schedules and frontline service benefits.
Explore Nurse OptionsLending solutions tailored for high-earning professionals with private practice considerations.
Tailored Loans for DentistsCustomised loans for optometrists balancing practice ownership and salaried roles.
Explore Optometrist PackagesDesigned to support pharmacists navigating retail, hospital, or business ownership income structures.
Mortgage Options for PharmacistsTailored lending for physiotherapists in private clinics or mobile practices.
Loans Designed for PhysioLoan programs suited to private practice psychologists and those in multidisciplinary clinics.
See Psychologist Lending BenefitsEducators—from early childhood specialists and school teachers to university lecturers and support staff—deserve mortgage solutions that recognise their contribution. We offer home loans with exclusive benefits and flexible terms, making the process seamless so you can focus on your students and career.
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Discover Teacher ProgramsIf you work in policing, emergency response, legal services, or the defence forces, you deserve a home loan process that understands your role. Our lending solutions are designed to accommodate the demands of public service careers, providing exclusive benefits, flexible repayment structures, and personalised assistance.
From police and emergency responders to lawyers and military personnel, we’re here to simplify your home buying journey with loan options aligned with the realities of your profession.
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
See Legal Lending BenefitsReliable mortgage options designed for law enforcement with steady service incomes and allowances.
Secure Police OffersFrom project-based tradies and self-employed business owners to accountants with layered income and contract-based engineers, we craft loan solutions that align with your earning patterns, cash flow cycles, and professional ambitions.
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
See Tradie Home LoansFlexible lending tailored to business owners and freelancers with variable documented income.
Apply as Self-EmployedStructured loan solutions designed for accountants with layered income sources and business deductions.
See Accountant Lending SolutionsLending options structured for engineers with contract-based or salaried employment structures..
Loan Packages for EngineersOur streamlined loan process ensures you're guided from initial consultation through to settlement and ongoing support. We handle the details, so you can focus on securing the right loan with clarity and confidence.
We 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.
Contact
Address
Memberships
Business Information
Services
About
Follow
Locations
Legal
Ausfirst Lending Group Australian Credit Licence Number: 387366 | ABN: 68 845 798 048
Finsurance Pty Ltd t/a Ausfirst Lending Group credit representative number 414391. Finsurance Pty Ltd is a credit representative of Oshawa Pty Ltd Australian Credit Licence number 387366. AFCA 42404
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
Copyright © 2024 Ausfirst Lending Group | All Rights Reserved | Design & SEO by Marketing Agency Pro