Home Loans Brisbane

A mortgage broker acts as a middleman between you and the lender, working in your best interest to find a loan that suits your needs. Unlike banks that offer only their in-house products, brokers have access to a panel of 30+ lenders, giving you a broader selection of competitive interest rates and tailored loan features. At Fast Track Home Loans, our brokers also handle the paperwork, negotiation, and communication with lenders, making the process easier and faster for you.
👉 Learn more about our mortgage broker services in Brisbane

Your borrowing power is influenced by a range of factors, including your income, living expenses, credit history, existing debts, and the size of your deposit. As a general guide, lenders allow borrowers to spend up to 30–40% of their gross monthly income on mortgage repayments. However, each lender has unique assessment criteria.
With our detailed loan assessment tools and personalised service, we can provide an accurate borrowing capacity tailored to your financial situation.

There are several effective ways to increase your borrowing power:

• • • Reduce your existing debts(e.g., credit cards, personal loans).
    • Improve your credit score by paying bills on time and maintaining a good credit history.
    • Save for a larger deposit—the more you put down, the less you borrow.
    • Limit unnecessary expenses leading up to your loan application.
    • Consolidate debt into a single repayment.

Our brokers can analyse your financial profile and recommend actionable strategies to help you borrow more confidently.
👉 Speak to a Brisbane broker for personalised strategies

We offer a wide range of home loan products to suit various buyer types and financial goals, including:

• • • Variable Rate Loans: Rates fluctuate with the market, offering flexibility.
      
    • Fixed Rate Loans: Your interest rate stays the same for a fixed period, ideal for budgeting.
      
    • Split Loans: Combines both fixed and variable portions.
      
    • Interest-Only Loans: Only interest is paid for a set period—popular with investors.
      
    • Low-Doc Loans: Suitable for self-employed borrowers who may not have traditional financial documents.
      
    • Construction Loans: Ideal for building a new home or undertaking major renovations.
      
    • NDIS Property Loans: Specialised finance for disability accommodation investments.

At Fast Track Home Loans Brisbane, we go beyond just home loan applications. Our services include:

• • • First Home Buyer loans and guidance
      
    • Refinancing to save on interest or access equity
      
    • Investment property loans
      
    • NDIS property finance
      
    • Commercial property finance
    • Construction finance
      
    • Loan reviews and comparisons
      
    • Ongoing financial support and education

Here’s why hundreds of Brisbane locals choose Fast Track Home Loans:

• • • 25+ years of finance experience
      
    • Zero broker fees – our service is completely free to you
      
    • Access to 30+ lenders, including major banks and specialist lenders
      
    • Tailored loan solutions for every type of borrower
      
    • Local knowledge of the Brisbane and North Brisbane housing market
      
    • Personalised service from start to finish
      

We don’t just match you with any loan—we help you secure the right loan with the right lender, and provide support long after your loan settles.
👉 Meet our experienced Brisbane brokers

Applying for a home loan through Fast Track Home Loans is quick and easy:

1. 1. 1. Contact us via phone or our online enquiry form.
         
      2. We assess your goals and financial position.
         
      3. We compare loans from over 30 lenders and present tailored options.
         
      4. We prepare and submit your application, handling all the paperwork.
         
      5. We stay with you until the loan settles—and beyond.
         

👉 Start your application online now

Absolutely. If you’re stuck on a high interest rate or want better features like an offset account or redraw facility, refinancing can help you:

• • • Lower your monthly repayments
      
    • Unlock equity for renovations or investments
      
    • Consolidate other debts into one manageable payment
      
    • Switch from fixed to variable (or vice versa)
      

We’ll compare your current home loan to other market offerings and find you a better deal—often without any out-of-pocket costs.

👉 Find out how much you can save by refinancing

Refinancing can be a smart financial move, especially if:

• • • You want a lower interest rate
      
    • You’re unhappy with your current lender’s service
      
    • You want to access equity to fund a renovation or purchase
      
    • You’re looking to consolidate high-interest debt
      
    • You want to switch to a loan with better features
      

Our brokers handle the process end-to-end, helping you avoid exit fees where possible and ensuring a smooth transition to your new loan.

Yes, helping first-time buyers in Brisbane is one of our specialties. We guide you through:

• • • Understanding government grants like the First Home Owner Grant (FHOG)
      
    • Budgeting and deposit advice
      
    • Pre-approval so you can house hunt with confidence
      
    • Choosing the right loan product based on your lifestyle
      
    • Applying for and securing your first mortgage
      

You’ll receive clear, jargon-free advice and support from day one.