BUYING
Your First Home
Work out what you can borrow and the clearest path in — see buying your first home and low-deposit options.
Sunshine Coast Mortgage Broker
MORTGAGE & FINANCE BROKER · SUNSHINE COAST
Mortgage Broker on the Sunshine Coast
Ausfirst Lending Group is a Sunshine Coast finance advisory business, based in Caloundra. We arrange home, investment, construction and business finance for people right across the Coast — and because we’re a local team rather than a call centre, you deal with the same adviser from the first conversation through to settlement and beyond.
We assess options from a panel of more than 40 lenders to find the structure that suits your situation, not the bank’s. With over 50 years of combined lending experience behind us, we’re here to give advice, not just quote a rate.
Whether you’re buying your first home, refinancing, investing, or running a trade business, the starting point is the same: an honest conversation about what you’re trying to do and how to structure it well.
01
A Local Team
Based in Caloundra — the same adviser from first chat to settlement.
02
40+ Lenders
We assess the panel to match your situation, not one bank’s products.
03
Advice, Not Just a Rate
A finance advisory business — structure first, then the lender.
FROM CALOUNDRA TO NOOSA
Local Advice Across the Sunshine Coast
We’re based in Caloundra and work with clients from Kawana, Maroochydore, Mooloolaba and Buderim through to Sippy Downs, Nambour, Coolum and Noosa, and across the hinterland behind them. Local knowledge matters here — lenders treat a sloping Buderim block, a new estate release in Baringa and a knockdown-rebuild in an established street very differently, so the right loan depends on the property as much as the borrower.
Buying, Building or Investing on the Coast?
Where you start depends on what you’re doing. If one of these is you, that’s the place to begin:
BUILDING
A New Build or Knockdown-Rebuild
Coast builds turn on timing — our construction finance is structured around your land, contract and progress draws.
INVESTING
In Your Name or Through Super
From investment loans to SMSF lending for trustees borrowing inside super.
TRADE BUSINESS
Running a Trade on the Coast
The Coast runs on trades — we specialise in builder and tradie finance, from home loans on trade income to cashflow and gear.
Why Sunshine Coast Clients Choose Ausfirst
More than a rate — the reasons clients stay with us build after build and loan after loan:
Advice, Not a Transaction
We’re a finance advisory business, not a transaction shop. We take the time to understand your position, explain your options in plain language, and recommend the structure that suits you rather than the bank.
Experience and Real Choice
Over 50 years of combined lending experience and access to more than 40 lenders in one place, so the options you see are matched to your situation, not limited to a single institution.
We Stay After Settlement
Our work doesn’t stop at the keys. We review your loan at six months to check whether it remains competitive as rates and your circumstances move.
A Local Team You Actually Meet
You work with Richard Luke, our director, with more than 30 years in Queensland lending, and Tabetha, who helps guide you through the process.
How We Work
A simple, four-step process built around advice before commitment:
An Obligation-Free Conversation
We start by understanding your goals and what you can borrow — no cost, no pressure.
A Tailored Strategy
We compare the lender panel and recommend the structure that fits your situation.
We Handle the Application
We prepare and submit everything, and liaise with the lender, agent and solicitor for you.
Settlement — and Beyond
We see it through to settlement and review your loan at six months to keep it sharp.
START WITH A CONVERSATION
Talk to a Local Sunshine Coast Adviser
Wherever you are on the Coast, a quick, obligation-free chat is the best place to start. Tell us what you’re trying to do, and we’ll tell you how to structure it well.
Visit Our Caloundra Office
Prefer to talk in person? We’re based in the heart of Caloundra and welcome Sunshine Coast locals in for an obligation-free chat.
FIND US
Ausfirst Lending Group
Suite 3/74 Bulcock Street
Caloundra QLD 4551
Phone: (07) 3916 7070
Open Monday to Friday, and by appointment.
Last reviewed: July 2026.
MORTGAGE BROKER · SUNSHINE COAST
Frequently Asked Questions (FAQs)
For most residential home loans, our service is generally provided at no direct cost to you, because we receive a commission from the lender once your loan settles. We will explain and disclose any applicable fees before you proceed.
A good broker does more than find a rate — they work out your borrowing capacity, match you to a lender that suits your situation, and manage the process through to settlement. For self-employed borrowers and anyone with a less-than-standard file, that guidance can help avoid unsuitable applications, preventable delays and missed lender-policy requirements.
Going direct limits you to one lender’s products. We assess options from a panel of more than 40 lenders, which lets us consider a broader range of structures and lender policies for your situation — and because lenders pay our commission, there is generally no direct cost to you for that comparison.
All of it — Caloundra, Kawana, Maroochydore, Mooloolaba, Buderim, Sippy Downs, Nambour, Coolum, Noosa and the hinterland.
Our Lenders
What Makes Ausfirst Lending Group Different?
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.
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.
Explore Other Loan Solutions We Offer
We provide a wide range of lending options designed to suit different property goals, financial situations, and investment strategies. Whatever your needs, our team is here to guide you to the right loan solution.
Home Ownership Loans
For buyers and homeowners managing their own property needs.
First Home Loans
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Second Home Loans
Finance your next property with ease using our second home loan options.
Home Equity Loan
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Refinancing
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Changing Home Loans
Adapt your mortgage to suit your changing life circumstances with ease.
Bridging Loans
Bridge the gap between buying and selling with short-term loan solutions.
Investment Loans
Investment Loans
Explore our investment loan solutions designed to help you build and grow your property portfolio.
SMSF Loans
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Trust Loans
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Sophisticated Investor
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Rentvesting
Live where you love and invest where it counts with our rentvesting strategies.
Holiday Home Loans
Own your dream holiday retreat with our tailored holiday home loan solutions.
Property Improvement
Renovation Loans
Transform your property with renovation loans tailored for projects of any size.
Green Home Loans
Finance eco-friendly homes or upgrades with our green loan products.
Commercial & Construction Loans
Commercial Loans
Secure finance for your business property needs with our commercial loan options.
Construction Loans
Access funds in stages as construction progresses.
Tailored Loan Solutions for Professionals Across All Industries
We provide tailored lending options for healthcare workers, educators, tradespeople, legal professionals, and business owners—designed to suit the way you earn and work.
LMI Waived Loans For Medical & Healthcare Professionals
At 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
Home Loans for Doctors
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Home Loans for Nurses
Flexible loan terms aligned with shift work schedules and frontline service benefits.
Home Loans For Chiropractor
Mortgage options that recognise the cash flow patterns of clinic-based professionals.
Home Loans For Dentists
Lending solutions tailored for high-earning professionals with private practice considerations.
Home Loans For Optometrists
Customised loans for optometrists balancing practice ownership and salaried roles.
Home Loans For Pharmacists
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Home Loans For Physiotherapists
Tailored lending for physiotherapists in private clinics or mobile practices.
Home Loans For Psychologists
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
Education Professionals
Educators 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.
Home Loans for Teachers
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Law Enforcement & Legal Professionals
For 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.
Home Loans for Lawyers
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
Home Loans for Police Officers
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Specialised Loan Solutions
Low-Deposit Home Loans
Tailored for self-employed professionals and business owners who may not have traditional income verification.
100% Offset Home Loans
Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Family Guarantee Home Loans
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.
Profession-Specific Home Loan Services
Home Loans for Tradies
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
Self Employed Loans
Flexible lending tailored to business owners and freelancers with variable documented income.
Home Loans For Accountants
Structured loan solutions designed for accountants with layered income sources and business deductions.
Engineers
Lending options structured for engineers with contract-based or salaried employment structures..
Our Service Process
Understand
We begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
Gather
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
Analyse & Plan
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
Apply
We prepare and submit your application to the lender, ensuring everything is in order.
Finalise
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
Support
We provide continuous support and review, offering updated loan options as your needs evolve over time.
