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.
- Clients helped
- 500+clients helped
- Loans settled
- $200M+in loans settled
- Lenders on panel
- 60+lenders compared
- Google rating
- 4.9on Google
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.
Free service: 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.
What our clients say
“Tom made buying our first home so much less stressful than we expected. He explained every step, found us a rate 0.4% better than our bank offered, and handled the FHOG paperwork. We genuinely couldn't have done it without him.”
“I'd been meaning to refinance for two years but never got around to it. One call with Tom and it was sorted in three weeks. $420 a month saved and a $3,000 cashback. I wish I'd called sooner.”
“Tom structured our investment loan to maximise tax deductions and worked directly with our accountant. Now we've bought a second property with his help. The best broker we've worked with by far.”
Purchased 2nd investment property
“As a sole trader I'd been knocked back by two banks before calling Tom. He found a lender that assessed my income properly and got us approved inside a month. Couldn't recommend him more highly.”
Approved despite complex financials
“We were completely overwhelmed when we first called. Tom walked us through everything, told us exactly what grants we qualified for, and had us in our new home in 6 weeks. Incredible service.”
Settled 6 weeks from first call
“Switched from my bank after 8 years and dropped my rate by 0.75%. Tom handled the whole process. I literally just had to sign a few documents. Wish I'd done it years ago.”
Rate reduced by 0.75%
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.
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.