HOME LOANS
Can you get a no-deposit home loan?
By Megan Birot
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Home Loans
Personal Loans
Car Loans
Business Loans
Credit Cards
Banking
Health Insurance
Gold Coast Mortgage Brokers
Updated 14 Aug 2025
Get the right home loan sooner with support from our Gold Coast mortgage brokers and lending experts.
Excellent
4.7 out of 5
Our dedicated Home Loan experts are here to help.
How our Gold Coast mortgage brokers can help
We dig deeper to deliver bigger savings for Gold Coast homeowners.
Step 1
Pre-qualify
Chat with a broker at a time that suits you. We'll take the time to understand your goals and financial situation.
Check if I qualify
Step 2
Compare
We go beyond the basics, comparing dozens of lenders to uncover the most competitive options to suit you.
Compare home loans
Step 3
GET YOUR LOAN
From paperwork to progress updates, we handle the details every step of the way so you don't have to.
Apply for a loan
Meet our expert team
Deborah Hays, Senior Mortgage Broker
Debbie is a Senior Mortgage Broker and Finance Specialist at Money.com.au, with more than 25 years of experience in the finance industry. Known for her friendly and approachable nature, Debbie is committed to understanding each client’s unique financial goals. This dedication has helped her build strong, trusting relationships with a wide range of clients. Debbie believes every client deserves personalised attention and aims to exceed expectations at every opportunity. In recognition of her expertise and outstanding customer service, Debbie was named one of the Mortgage Professional Australia (MPA) Elite Women of 2024.
Victoria McGavin, Lending Specialist
Victoria is a Lending Specialist at Money.com.au, where she helps Australians achieve the dream of owning their own home. Her journey in the finance industry began at Loan Market Group, where Victoria worked as a broker assistant and later as an assistant to the CEO. Victoria then progressed into a broker role, where she reached several key career milestones and deepened her expertise in home lending. Victoria is passionate about guiding people through the lending process and is committed to working tirelessly to help clients reach their financial goals.
Tahlia Millard, Lending Specialist
Tahlia is a Lending Specialist at Money.com.au and often the first point of contact for clients after they submit an enquiry. She handles a wide range of questions, gathers essential borrower information, and prepares loan applications to ensure they’re complete and ready for submission. Before joining Money.com.au, Tahlia built her industry experience at a non-bank lender and BOQ, following her studies at university in finance - bringing over a decade of practical, hands-on knowledge to the role.
Some of the lenders our brokers work with
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Hear from some of our existing clients...
How our expert team can help Gold Coast buyers
The Gold Coast is on track to hit one million residents by 2045 – and with that kind of growth, property demand is only going to heat up.
Whether you’re already a homeowner or trying to break into the market, now’s the time to get ahead. That’s where we come in – our mortgage brokers move fast to help you secure pre-approval so you’re ready when the right place comes along.
We blend decades of experience with smart tech to match you with great home loan options from a wide range of lenders. Plus, we take the time to understand what matters to you, like having an offset account, a redraw facility, or the flexibility to make extra repayments without paying any fees.
It’s not uncommon for lenders to have wiggle room to offer discounts on the rates they advertise. Our brokers are experts at securing the best deal possible for customers. We also look beyond the rate, recommending loan features, structures, and strategies that can cut years off your mortgage and save you thousands in interest.
The Gold Coast is one of Australia’s fastest-growing regional property markets, with strong interstate migration continuing to fuel demand. As the average property value starts to mirror Brisbane’s, the Gold Coast has become just as attractive to investors as it is to owner occupiers – offering lifestyle appeal and long-term growth for buyers from all walks of life.
Types of Gold Coast borrowers our mortgage brokers can help
- First home buyers: Not sure where to start? We’ll walk you through your options, compare first home buyer loans, and help you understand which Queensland government grants or concessions you might be eligible for – so you can buy with confidence on the Gold Coast.
- Refinancers: Regularly reviewing your home loan is one of the best ways to stay ahead. We’ll help you figure out if refinancing could save you money or better suit your current needs, especially if your loan-to-value ratio (LVR) is lower than when you first took out a loan.
- Investors: Whether you're purchasing your first investment property or growing your portfolio, we’ll help you structure your loan to support your long-term goals and maximise returns – not just chase a low rate.
- Upsizers and downsizers: Planning your next move? From bridging loans to flexible loan features, we’ll tailor a lending solution to make transitioning into your next home on the Gold Coast smooth and stress-free.
- Self-employed and low doc borrowers: Being self-employed shouldn’t hold you back from owning property. We work with lenders who specialise in low doc home loans and understand the unique income patterns of business owners.
- Borrowers with complex scenarios: Credit challenges or non-standard income? No worries. With access to bad credit home loans, we help Gold Coast buyers with a range of financial situations get into the market – and build towards better options in the future.
A word from one of our mortgage brokers…
Deborah Hays, Senior Mortgage Broker
“We’ve supported all kinds of buyers, each with their own goals and financial situations. Need to refinance to consolidate debt into one easy repayment? We can help. Chasing a better interest rate? We’ve got options. Looking for a cashback offer? We know which lenders are offering them. In a rush to settle? We know who can move quickly. Whatever your situation, we’ll use our experience to guide you toward the right solution.”
Deborah Hays, Senior Mortgage Broker
How well does our team know the Gold Coast property market?
Our team of brokers and lending specialists know local markets across Australia – and the Gold Coast is no exception. We’re here to support your property journey with detailed suburb reports and insights tailored to the homes you’re eyeing.
Whether you're exploring Burleigh Waters, Mudgeeraba, Coomera or Surfers Paradise, we’ll connect you with a broker who knows the Gold Coast market like the back of their hand.
Key insights into home loans in Queensland
Queensland has now overtaken Victoria as the second-largest state for investment loans and the Gold Coast is playing its part in that growth. In 2024, owner-occupier construction loans across the state outperformed the national average, with the average home loan size for owner-occupiers jumping 13% year-on-year to $602,361.
At the same time, recent research from Money.com.au has shed light on the financial pressures many homeowners are feeling. From rising mortgage stress to concerns about long-term affordability, these insights reflect the changing landscape – something our Gold Coast brokers understand firsthand. Here’s what we uncovered:
- Nearly half of homeowners (44%) say their mortgage causes them the most financial stress.
- Two in five Australians support using negative gearing to reduce investment property tax.
- Saving for a house deposit took 3 - 4 years for 40% of buyers, while 23% did it in under two.
- 13% of homeowners needed a guarantor to get into the market.
- RBA rate changes leave 51% feeling uneasy, 19% highly stressed, and only 26% unfazed.
- Over a third of borrowers (35%) expect to still be paying off their mortgage well into their 50s or 60s.
- 39% aren’t sure about refinancing, but 25% would consider it if rates come down.
- Half of Queenslanders don’t believe their dream home is financially within reach.
 | Pacific Mortgage Group Fixed Home LoanInterest rate 4.64% per annum (fixed 2 years) Comparison rate 5.06% per annum Max LVR 80% Repayments from $2,575Fixed paying Principal & Interest | Compare now on Money.com.au or visit site |
 | BCU Bank Fixed Rate Home LoanInterest rate 4.65% per annum (fixed 1 year) Comparison rate 5.43% per annum Max LVR 80% Repayments from $2,578Fixed paying Principal & Interest | Compare now on Money.com.au or visit site |
 | P&N Bank Fixed Rate Home LoanInterest rate 4.65% per annum (fixed 1 year) Comparison rate 5.48% per annum Split Loan App Fee: $300 Max LVR 80% Repayments from $2,578Fixed paying Principal & Interest | Compare now on Money.com.au or visit site |
 | South West Slopes Bank Optimum 1 Year Fixed Rate Home LoanInterest rate 4.69% per annum (fixed 1 year) Comparison rate 5.73% per annum Redraw Split Loan Max LVR 90% Repayments from $2,590Fixed paying Principal & Interest | Compare now on Money.com.au or visit site |
 | Australian Mutual Bank Fixed Rate Home Loan Owner OccupiedInterest rate 4.74% per annum (fixed 3 years) Comparison rate 5.50% per annum Redraw App Fee: $250 Max LVR 95% Repayments from $2,605Fixed paying Principal & Interest | Compare now on Money.com.au or visit site |
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Important Disclosures
^Comparison rate warning
Home loan comparison rates are calculated based on a loan amount of $150,000 repaid over a 25-year term with monthly repayments. The comparison rates only apply to the examples given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Check with the provider for full loan details, including rates, fees, eligibility and terms and conditions to make sure the product is right for you.
Products, features and information displayed
General information only
The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any home loan product is suitable for you and seek independent financial advice if necessary.
We are not providing you with a recommendation or suggestion about a particular home loan. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.
What products, features and information are shown
While we make every effort to ensure all home loans available in Australia are shown in our comparison tables, we do not guarantee that all products are included.
Our product comparisons may not compare all home loan features and attributes relevant to you.
Product information, such as interest rates, fees and charges, is subject to change without notice. Before acting on any information, you should confirm the relevant product information with the lender.
How home loans are sorted and filtered by default
Users can easily change the sort order and apply product filters to our product comparison tables. However, when you arrive on a page initially, by default home loans are sorted by:
- Lowest regular repayment amount, then;
- Loans interest rate, then;
- Lowest comparison rate, then;
- Provider name (A-Z)
Home loans available though a broker
Some home loan products listed in our tables are available through a mortgage broker. These are the products with an option to ‘Check Eligibility on Money.com.au’. Mortgage brokers may not be able to offer loans from every provider and there may be more suitable loans for your personal circumstances.
Mortgage brokers are not authorised by Money Australian Credit Licence and operate under their own Australian Credit Licence, or as a credit representative of another Australian Credit Licensee. Mortgage brokers can make recommendations about home loan products that may suit your objectives, financial situation and needs.
Commission we may earn
Our tables feature all home loans available from lenders on our database that match the search criteria selected. Lenders do not pay to feature in our tables, nor do we earn commission if you click to visit a lender’s website. The order of the products in the table is not influenced by any commercial arrangements.
If you get help from a mortgage broker as a result of visiting this page, we may earn a commission.