Home Loan Services in Sunshine Coast

A key benefit of working with a mortgage broker is that we have access to multiple lenders, including major banks and smaller institutions. This means we can compare various loan products to find the best deal for you. Additionally, we assist with the entire loan application process, offer expert advice, and ensure you’re taking advantage of available firs home buyer grants and schemes. In comparison, a bank will only offer you their own products, which may not be the best fit for your situation.

It is best to speak to a local mortgage broker like the team at Sunshine Coast Mortgage Brokers as they will have local knowledge of the suburbs you are looking to purchase in.

Yes, a guarantor loan allows you to borrow up to 100% of the property value plus any extra costs if a family member, typically a parent or sibling, is willing to guarantee part of your loan. This option is great for first-time buyers who may not have saved a large deposit but have the support of family. Guarantor loans are commonly used in Sunshine Coast suburbs where property values are rising, such as Maroochydore and Sippy Downs. We can help you explore this option to see if it fits your needs.

The First Home Guarantee is a government-backed initiative designed to help first-time buyers enter the property market with a deposit as low as 5%. It allows you to purchase a home without needing to pay for Lenders Mortgage Insurance (LMI), which can save you up to $30,000. As a mortgage broker in the Sunshine Coast, I can help you understand the eligibility requirements and guide you through the application process. This scheme is especially helpful in popular Sunshine Coast suburbs like Buderim, Maroochydore, and Caloundra.

Yes, there are specific home loans for healthcare professionals, including nurses and doctors, that offer benefits such as no LMI (Lenders Mortgage Insurance) and more favorable interest rates. These home loans appreciate the stable income of healthcare workers and provide opportunities for lower deposits. If you’re a nurse or doctor looking to buy in suburbs like Wurtulla or Buddina, Our expert team at Sunshine Coast Mortgage Brokers can help you access these specialised loans.

To apply for the First Home Owner Grant, you need to submit your application through the Queensland Revenue Office or an approved agent (i.e. Bank or Lending institution), the fastest way to receive the grant is through an approved agent. I can guide you through this process, ensuring you have the right documentation and meet the eligibility criteria. It’s a great opportunity if you’re buying a new home in growth areas like Maroochydore, Caloundra or Coolum.