Mortgage Broker Brisbane
Brisbane has more lenders competing for your business than anywhere in Queensland. We put that competition to work: compare 60+ options, negotiate harder, and handle the entire process. Free consultation, no obligation.
What's different about getting a mortgage in Brisbane
Things the banks won't tell you. Things most buyers only find out after they've already made an offer.
Lenders assess your ability to repay at 3% above the current rate. For a Brisbane buyer already carrying a home loan, adding an investment property can reduce approved borrowing by $150,000 or more. Getting the right structure in place before you apply, including entity type, loan type, and lender selection, is frequently what makes the difference between an approval and a decline.
High-density postcodes in Fortitude Valley, South Brisbane, and Newstead attract restricted loan-to-value ratios from certain lenders, sometimes as low as 70%. This affects how much deposit you need and which lenders will touch the property at all. We check lender appetite for the specific address before you commit to a purchase.
Woolloongabba, Boggo Road, and the Albert Street corridor saw premiums build ahead of the 2025 opening. That uplift is now baked in for established suburbs close to stations. The question for buyers now is whether adjacent or secondary locations still offer value before the next repricing cycle.
In the suburbs most buyers want, Brisbane's clearance rate sits between 60 and 75%. Showing up to an inspection without formal pre-approval is not a strategy. We turn around formal pre-approval in 48 hours with the right documentation, giving you the confidence to bid or make an unconditional offer.
Who Tom helps in Brisbane
Every situation is different. Here are the three most common ones we see from Brisbane buyers.
“Buying in Brisbane in 90 days before a lease ends back home.”
Interstate buyers face a timing problem most local buyers do not: they are often trying to buy in a city they have visited a handful of times, without an existing relationship with a local lender, while a lease clock is running. We start with equity release from the existing property if available, move fast on pre-approval, and make sure the chosen lender is comfortable with the relocation income history. Most interstate clients we work with are settled in Brisbane before their Sydney or Melbourne lease expires.
How we can help“Trying to get into Brisbane under the $700,000 First Home Guarantee cap.”
Brisbane's overall median unit price is now sitting close to the $700,000 FHBG price cap, which means suburb and property selection matters. Outer north Brisbane suburbs like Bracken Ridge have units around $675,000, still comfortably within the scheme. The guarantee has limited places each financial year and they fill quickly. We check eligibility early, identify which lenders offer the sharpest rates under the scheme, and get pre-approval in place before the right property appears.
How we can help“Already own a property in NSW or VIC, adding Brisbane to the portfolio.”
Cross-state investment introduces complexity that catches many buyers by surprise: serviceability must account for both properties, Queensland land tax has its own thresholds, and lender appetite varies by Brisbane postcode. Getting the structure wrong at application stage can mean paying more than necessary or borrowing less than you qualify for. We work through the numbers before you make an offer so the deal is structured cleanly from the start.
How we can helpSuburbs we cover in Brisbane
Suburbs with a profile link include property market data and buying guides.
Brisbane mortgage questions answered
Common questions from Brisbane buyers and investors.
Which Brisbane suburbs do you service?
How much can I borrow to buy a home in Brisbane?
Are Brisbane property prices still growing in 2026?
Can you help me refinance my Brisbane mortgage?
Do I need to visit an office to get a home loan in Brisbane?
Ready to buy or refinance in Brisbane?
Free consultation. 60+ lenders. No cost to you.
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