Our Gold Coast Services

Gold Coast First Home Buyer home loan
Refinancing Gold Coast home loan
Gold Coast Self Employed loan
Reverse Gold Coast mortgage
Gold Coast Teacher home loan
Small Business Gold Coast loan
Gold Coast Business loan
Personal Gold Coast loan
Gold Coast Foreign Income home loan
Why choose a hfinance Gold Coast mortgage broker?
We Help First Home Buyers
Refinancing Your Home Loan

You may be a first home buyer looking to find and secure your first property. It can be a little daunting with all the financial jargon and not sure of the steps involved in applying for your first Queensland loan. You can download our free step by step guide for first home buyers here. When you are ready for a chat, you can contact us to arrange an appointment.

Our weather is renowned for being fine and sunny and being a sub-tropical climate and is sunny around 300 glorious days of the year. Of course, this allows us multiple opportunities to live that beachy lifestyle – sun, surf, and sand!

Young families are spoilt for parks and play centres for the kids to explore their senses, run, scoot, ride and play. Gold Coast has a vibrant ‘community’ atmosphere that is felt right along the Coast, with free or low-cost events for all to enjoy.

Perhaps you are a young family seeking to access some of your equity to renovate your home, purchase a bigger family car or take the kids on an unbelievable holiday. You can read more about young Gold Coast families and refinancing. After hosting the Commonwealth Games in 2018 the whole world got a glimpse of our amazing lifestyle, and the number of people relocating to the Gold Coast has surged.

Gold Coast is currently experiencing the highest growth surge in the whole of Queensland. Perhaps you too have made the decision to relocate to the Gold Coast, and yet your line of work is a little more complicated than most as you operate as a sub-contractor. hfinance can assist in getting all the right paperwork together and liaise with your accountant when applying for your home loan.

Whatever your financial situation looks like, hfinance will ensure a smooth process from initial consultation all the way to settlement of your loan. This includes liaising with your real estate agent, solicitor, accountant or financial planner.

Understanding Your Goals and Objectives
Accredited Mortgage Brokers and Panel of Lenders

At hfinance, we take the time to meet with you and understand your goals and objectives over a cup of coffee and recommend suitable products to achieve your goals. We understand that each client has unique financial circumstances and will assess the best way to assist your situation. It is important to remember that by assessing your goals and objectives, it includes understanding both your short and long-term personal financial goals. Your local Gold Coast mortgage broker will do just that. From the very first coffee and chat to the completion of settlement, your goals and objectives are our number one priority. To read more about the loan application to settlement process click here

hfinance is FBAA (Finance Brokers Association of Australia) accredited and hfinance has a lending panel of over 30 lenders to choose and recommend from. From the big four lenders including National Australia Bank, ANZ, Westpac and Commonwealth Bank of Australia, to regional banks, credit unions and boutique lenders such as Resimac and Quodos (Old Qantas Credit Union). There will be a loan product to meet your goals and objectives based on your current financial situation.

We Do Business The Way You Want
The Banks Pay Us

Your local hfinance Gold Coast mortgage broker will tailor the way we do business that is suitable to your lifestyle. Our standard of service includes treating you as more than a number! We operate on your terms. Face to face meetings, out of hours meetings, traveling emails, phone calls, video conferencing. We will conduct business in a way that works for you. This is especially important in this current environment when customers demand a digital mortgage experience. We understand that our world today is busy and complex and the Gold Coast mortgage brokers at hfinance are here to make your life and the whole loan application process more convenient. So please let us know how you want to do business with our Gold Coast mortgage broker, Kirstie Penton.

So how do you know the broker is not favouring the lenders who pay the best commissions? The majority of lenders pay a similar commission to the broker introducing the loan. Brokers are required by law to disclose the commission received by the lender for introducing the home loan. The details of the commissions paid are disclosed in ‘Credit Proposal’ a document required per the National Consumer Credit Protection Act (NCCP Act) Your local Gold Coast mortgage broker can also show you the commission schedule of all the lenders available. We believe in full transparency with our Gold Coast clients.

Location Knowledge
Second Chance

Your Gold Coast mortgage broker will tailor their home loan offering to meet their client’s needs. A local mortgage broker will have to keep their ears to the ground to keep updated with local policy and specials in the market, as long as local trends. For example, applying for a construction loan to build multiple townhouses, can be tricky with many lenders applying borrowing restrictions. A local mortgage broker who knows the Gold Coast area can recommend the best lender for your situation and location. We also have access to property data of the local area, to ensure you are making an informed decision when you purchase your next home on the Gold Coast.

If you have an outstanding bill or two that have blackened your credit rating then banks are likely to have issues with your bank application. There are lenders, that specialise in poor credit loans and your Gold Coast mortgage broker can put you in touch with these and assist you with the loan process when dealing with non-prime lenders.