HOME LOANS
Can you get a no-deposit home loan?

By Megan Birot
Updated 14 Aug 2025
Get the right home loan sooner with support from our Gold Coast mortgage brokers and lending experts.
Our dedicated Home Loan experts are here to help.
Step 1
Chat with a broker at a time that suits you. We'll take the time to understand your goals and financial situation.
Step 2
We go beyond the basics, comparing dozens of lenders to uncover the most competitive options to suit you.
Step 3
From paperwork to progress updates, we handle the details every step of the way so you don't have to.
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.
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
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.
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:
![]() | 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 |
![]() | Easy Street 2 year fixed home loan specialInterest rate 4.69%per annum (fixed 2 years) Comparison rate 5.26%per annum Redraw Offset App Fee: $500 Max LVR 80% Repayments from $2,590Fixed paying Principal & Interest | Compare now on Money.com.au or visit site |
![]() | Easy Street 2 year fixed home loan specialInterest rate 4.69%per annum (fixed 2 years) Comparison rate 5.26%per annum Redraw Offset App Fee: $500 Max LVR 80% Repayments from $2,590Fixed paying Interest only | 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 |
![]() | Australian Mutual Bank Fixed Rate Home Loan Owner OccupiedInterest rate 4.74%per annum (fixed 2 years) Comparison rate 5.58%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 |
Compare multiple lenders, easily.
Loan Amount
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.
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:
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.
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.