Brisbane's mortgage broker for first home buyers who want it done right.
We compare 60+ lenders, secure every grant you're entitled to, and guide you from first call to settlement, at no cost to you.
- Lenders on panel
- 60+lenders compared
- Years experience
- 10years finance experience
- No cost to you
- $0cost to you · lenders pay us
- FBAA accredited
- FBAAaccredited member
How it works
From first call to getting the keys: here's what working with us actually looks like.
Tell us your goals
A free 15-minute call: no forms, no jargon. You tell us what you're trying to achieve and we tell you what's possible. Simple.
We compare your options
We search across 60+ lenders (major banks, second-tier lenders, and specialist products) to find the right fit for your situation, not just the easiest option.
We handle the paperwork
No chasing banks, no confusing forms. We prepare your application, liaise with the lender, and keep you updated at every step. You just make decisions.
You get the keys
Loan approved, settlement arranged, keys in hand. We stay in touch post-settlement to make sure your loan is still working hard for you.
No cost to you: we're paid by the lender when your loan settles. How does that work?
We compare 60+ lenders so you don't have to
From the big four banks to specialist lenders. We find the right fit for your situation, not just the easiest option.
Lender availability subject to individual eligibility and product suitability. Not all lenders available for all loan types.
Everything you need, under one roof
Whether you're buying your first home, refinancing, or building a portfolio: we have the expertise and lender access to make it happen.
First Home Buyers
Get into your first home.
Queensland's $30,000 FHOG, the First Home Guarantee, and 60+ lenders all in one place. We specialise in getting first home buyers across the line, fast.
- QLD FHOG & First Home Guarantee
- 5% deposit options available
- Pre-approval in 1–5 days
Refinancing
Stop paying the loyalty tax.
If you haven't reviewed your home loan in 12 months, you're almost certainly paying too much. We find you a better rate and handle the entire switch.
- Rate comparison across 60+ lenders
- Cashback deals up to $4,000
- Full cost-benefit analysis
Investment Loans
Build wealth through property.
Investment property finance structured for tax efficiency and cash flow. We think beyond the first property and help you build a real portfolio.
- Interest-only & offset structuring
- Equity release strategies
- Portfolio lending expertise
Self-Employed
Complex income, straight-forward result.
Banks make it harder for business owners. We know exactly which lenders assess self-employed income fairly and get deals done, even with complex financials.
- Low-doc & alt-doc options
- Bank statement lending
- Full income add-back strategies
Commercial Finance
Property and business lending.
Owner-occupied premises, commercial investments, equipment finance, and SMSF lending. We access a wide commercial panel.
- Office, retail & industrial
- SMSF commercial loans
- Asset & equipment finance
Construction Loans
Finance your build the right way.
Building requires specialised progressive draw-down financing. We set it up correctly from the start so your build doesn't stall.
- Stage-by-stage draw-downs
- Interest-only during build
- FHOG eligible for new builds
First home buyer? You may qualify for up to $48,000+in grants & savings.
The Queensland FHOG ($30K) and First Home Guarantee can be combined on eligible new builds. The right mix depends on your property price and type. We check your eligibility at no cost. Most buyers qualify for more than one scheme.
Broker vs. going direct to your bank
Same result, very different service. Here's what changes when you use a broker.
| Kookaburra Finance | Your Bank | |
|---|---|---|
| Access to multiple lenders | 60+ lenders compared | 1 lender (their own) |
| Acts in your best interest | Legal obligation (Best Interests Duty) | Required to act for the bank |
| Cost to you | Free (paid by lender at settlement) | Free, but limited to their products |
| Access to government grants | We apply on your behalf | May assist with some schemes |
| Pre-approval speed | 1–5 business days | 3–10 business days (varies) |
| Ongoing rate reviews | Annual check-ins, we alert you to better deals | You need to chase them |
| Self-employed / complex income | Access to specialist lenders | Often declined or heavily restricted |
| Advice on loan structure | Offset, splits, investment structuring | Limited to their product features |
We know your suburb
Local property market data for Brisbane's south-west: median prices, growth trends, and buyer advice from a broker who lives here.
Common questions
Everything you need to know before your first call.
How does a mortgage broker get paid?
We are paid a commission by the lender you choose, not by you. There is no out-of-pocket cost to you as the borrower. We are legally required to disclose all commission details upfront, and because we compare lenders rather than favour any single one, your interest is always our priority.
Why use a mortgage broker instead of going directly to a bank?
A bank can only offer its own products. A broker compares dozens of lenders simultaneously and finds the one that fits your situation: your income type, deposit size, credit history, and goals. We also handle the paperwork, manage the application, and can often secure rates not available directly to the public.
How quickly can I get pre-approval?
Most clients receive a full pre-approval within 1 to 5 business days once all documents are submitted. We tell you exactly which documents are needed in your first call and guide you through every step. Some lenders offer same-day conditional approval for straightforward applications.
Can I use a mortgage broker as a first home buyer?
Yes, and it is one of the best times to use one. First home buyers often qualify for multiple government grants and concessions including the $30,000 QLD First Home Owner Grant, the First Home Guarantee (5% deposit, no LMI), and stamp duty concessions. We check every scheme you are eligible for at no cost.
Ready to get started?
Book a free 15-minute call. We'll tell you exactly what's possible for your situation, no obligation, no jargon.