Home Loans Gold Coast

Helping clients across the Gold Coast understand their home loan options, what they may be able to borrow and how to move forward with confidence.

Looking for a home loan usually starts with trying to understand what is actually possible.

Where most people get stuck is knowing what actually makes sense for them.

At The Mortgage People, we help you understand your home loan options, what you may be able to borrow and how to move forward with confidence.

What type of help do you need?

Most people fall into one of these situations:

First home buyers - Trying to understand borrowing power, deposit requirements and what is actually possible.
Moving to your next home - Looking to understand what you can afford and how to make the move without unnecessary stress.
Building or Renovating - Wanting a loan that aligns with each stage of the build without unnecessary stress.

If you are not sure where you sit, that is exactly where we start

If you are buying a home and not sure where to start, we help you understand what is possible and what to do next.

If you are unsure how much you can borrow, we can give you a clear answer based on your situation.

If you are trying to work out your deposit or whether you are ready to move, we help you get clarity early.

Going directly to a bank gives you one option.

Working with a broker means your home loan is assessed across multiple lenders, each with different criteria.

This gives you a better chance of finding a loan that actually fits your situation.

Before choosing a home loan, most people want to know what is actually possible.

We look at your income, expenses and deposit to give you a clear idea of what you may be able to borrow so you can move forward with confidence.

If you are still working out what may be possible, our calculators are a useful place to start.

Use them to explore borrowing power and get a rough idea of what your repayments could look like before taking the next step.

Most people come to us unsure what they can borrow or whether they are making the right move.

What they want is clarity.

Our role is to explain things properly, keep the process moving and make sure there are no surprises along the way.

This depends on your income, expenses, debts and deposit. We can give you a clear answer quickly once we understand your situation.
Not always. There are options available with smaller deposits depending on your circumstances.

A broker gives you access to multiple lenders and helps structure the loan properly. Going direct limits your options.
Approval time depends on the lender you choose and how straightforward your situation is. There are a few stages to be aware of:
Borrowing power
This is a quick estimate of what you may be able to borrow. It is not formal approval, but it gives you a clear starting point. This can usually be worked out within minutes.
Pre-approval or Approval in Principle (AIP)
This is based on a detailed conversation and a selected lender, but your information has not yet been verified. It gives you a good indication of your position. This typically takes 48 to 72 hours.
Conditional approval
Not all lenders offer this. At this stage, the lender has reviewed and verified your income, expenses and credit profile. It gives you confidence to start making offers on properties. This usually takes 7 to 10 days.
Unconditional approval
This is the final stage. The lender has verified all details, completed a property valuation and reviewed the contract of sale. At this point, they have formally agreed to lend. This typically takes an additional 2 to 5 days after conditional approval.