Home Loans Simplified

From first home to investment property, we compare 50+ lenders to find you the best deal,

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Access to 50+ Lenders

We compare rates across major banks, regional lenders, and specialist financiers to secure you better deals than going direct to a single bank

Queensland Market Specialists

We understand Brisbane’s growth corridors, regional markets, and Queensland-specific grants – expertise you won’t get from a national call center

Your Advocate, Not the Bank’s

We work exclusively for you – negotiating harder, comparing more lenders, and securing better deals than you’d get going direct

Speed When It Matters

Fast-track your application with same-day assessments and pre-approvals in as little as 24-48 hours – crucial in hot property markets

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First Time Buyer Home Loan

Buy your first home with a clear plan, lender guidance, and support from pre-approval to settlement.

Home Loan / Refinance Home Loan

Refinance or secure a home loan as an owner occupier with better rates, features, and loan structure.

Construction Loan

Short-term funding to build a residential property, with progress payments aligned to each build stage.

Investment Home Loans

Build or grow your property portfolio with lending structured for cash flow, equity, and long-term returns.

SMSF Loan

Purchase or refinance residential or commercial property through your Self-Managed Super Fund (SMSF).

Commercial Property Loan

Purchase or refinance commercial property with flexible lending solutions tailored to your goals.

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How it works

You can start your application online by clicking apply now or booking a call with one of our loan consultants at a time that suits you

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1Start your application2Provide your supporting documentation3We assess your application4Sign your loan documents5We settle your loan

Compare Today’s Home Loan Rates

Compare rates across major banks and specialist lenders to find your best deal, fast and easy

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Our service is completely free for you. We’re paid a commission by the lender when your loan settles, so there’s no cost to you for our expert advice, application support, and ongoing service. You’ll often save money by using a broker because we can negotiate better rates and find deals you can’t access going direct to a bank.

We have access to 50+ lenders including major banks, regional lenders, and specialist financiers, not just one bank’s products. This means we can compare hundreds of loan options to find the best fit for your situation. We also handle the paperwork, negotiate on your behalf, and work for you (not just one bank). Most importantly, our service costs you nothing while potentially saving you thousands through better rates and waived fees.

Pre-approval typically takes 24-48 hours once we have your documents. Full approval and settlement times vary by lender and your situation, but as an optimal guide generally:

  • Pre-approval: 1-2 business days
  • Formal approval: 5-10 business days
  • Settlement: 4-6 weeks from approval

We work to fast-track your application wherever possible, especially if you’re buying at auction or need to move quickly in Brisbane’s competitive market.

Yes, we work with specialist lenders who can help in challenging situations. While major banks might say no, we have access to lenders who consider:

  • Low deposits (some lenders go down to 5% with LMI)
  • Past credit issues (defaults, late payments, bankruptcies)
  • Self-employed or casual income
  • Non-resident buyers
  • Complex income situations

We’ll assess your situation honestly and find the best path forward, whether that’s applying now or helping you strengthen your position first.

Absolutely. While we’re based in Brisbane, we help clients throughout Queensland including Ipswich, Toowoomba, Gold Coast, Sunshine Coast, and regional areas. We also assist with interstate property purchases. Most of our process can be handled online, by phone, or video call, though we’re always happy to meet face-to-face if you’re in the Southeast Queensland area.

How much can you borrow?

Get an instant estimate of your borrowing power based on your income and circumstances

Your Details
$
$60,000$350,000+
Dependants
Loan Term (Years)
$
Important: This is an indicative estimate only. Actual borrowing capacity depends on your full financial situation including existing debts, credit cards, employment type, and individual lender policies.
Your Borrowing Estimate
Estimated Borrowing Power
$720,000
Monthly Repayment
$4,319 / month
Interest Rate (Assumed)
6.00% p.a.
Ready to get your exact borrowing capacity?
Start Your Application →Speak with a Broker

Meet Your Broker

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Founder-Led. Always.

No call centers. No handoffs. Just expert, personal service.

When you work with Kookaburra Finance, you work directly with me, not a call centre, not a junior broker, and not a rotating team. From your first call to settlement and beyond, you get the same experienced broker who knows your situation inside out.

I’m Tom and I’ve spent 10+ years in finance and sales, managing complex transactions and leading teams. I know how to negotiate, how to navigate red tape, and how to get difficult deals across the line. Now I’m applying that experience to home loans, with access to 50+ lenders and the latest industry training.

You get the benefit of working with someone who’s invested in your success, and building a reputation on results, not just processing volume.

Compare 50+ lenders, not just one bank

We shortlist lenders based on your goals, and what’s best for you.

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Kookaburra Finance is your partner for property ownership.

If you are looking to get a new home loan, refinance or reduce your monthly payments, you can explore Yard’s home loan options.

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