How long does a home loan process take?

This depends on lender to lender. Some lenders are incredibly fast and some are much slower. If you have a time sensitive settlement, we take this into consideration when choosing a lender and prioritising application. The single biggest factor that you can control in this process is providing all your documentation in a timely manner, and providing it as accurately as you can. Lenders love a quality application and that doesn't always mean the highest quality applicant, it means how well we put together your loan application and present it to the bank. As local mortgage brokers, located in Noosaville, Palm Beach, Marcus Beach, Yeppoon and Springwood, we know our surrounds like the back of our hands, but we need to get to know you. Telling us everything we need to know gets your application through faster and without surprises.

Do you get paid more by some banks than others?

Generally, no. Commission rates across most lenders are broadly similar. Where small differences exist, they are irrelevant to our recommendation. We are legally obligated to act in your best interests, regardless of what any lender pays us. At The Broker Society we take a broad approach to commissions. We do not pay commissions to people who refer you to us, and we do not accept payment for referrals we make to other businesses like accountants or financial planners. It is just how we choose to do business. We love connecting our clients with other great people we trust. Business owners we know personally who will take care of you. We do it because we genuinely want you to be looked after. Not for cash.

What do you do with our information?

Your information is handled with complete care and in accordance with our Privacy Policy, which you can read in full on our website. We only collect what is necessary to assess your situation and submit your application, and your data is never shared beyond what is required to progress your loan.

Why do you offer some lenders that we have never heard of?

This is one of the real advantages of working with a broker. The Australian lending market goes well beyond the Big 4 banks, and access to the full market is something you simply cannot get by walking into a branch. There are four main categories of lenders we work across: Big 4 (or the Big 5 now) — NAB, CBA, ANZ, Westpac, Macquarie. Second Tier — well known but smaller lenders such as ING, Suncorp and Bankwest. Non Conforming — lenders who specialise in unique situations such as low doc or alt doc loans, including Bluestone, Pepper Money and Resimac. White Label — lenders who source funds from major institutions and offer them under their own brand, often at more competitive rates because they have no branch network overhead.

How much deposit do I need to buy a home?

The standard deposit requirement is 20% of the purchase price, which avoids the need for Lenders Mortgage Insurance. However, there are pathways to purchase with as little as 5% deposit — including the Federal Government's Home Guarantee Scheme, which allows eligible buyers to purchase with a 5% deposit without paying LMI. We can assess which options you qualify for during your initial consultation. There are also other options for no LMI or lower deposits such as non conforming lenders which charge a Risk Fee, or LMI waivers for specialist industries like Dentists, Lawyers and Doctors.

What is the difference between pre-approval and full approval?

Pre-approval is a conditional assessment from a lender indicating how much they are willing to lend you, based on your financial position at a point in time. It gives you confidence to make offers on properties within your budget but is not yet formally approved. Full approval is issued once a specific property has been valued and all conditions have been satisfied — this is when the lender formally commits to funding your loan.

Can I get a home loan if I am self-employed?

Yes. Self-employed borrowers have strong options across our lender panel. Requirements differ from standard PAYG applications. Most lenders want to see two years of tax returns and financial statements, though we have access to many lenders that offer alternative documentation options for those whose financials don't reflect their true income position. We work with self-employed clients regularly and know which lenders assess this type of income most favourably. Truth be told, self-employed clients are where our speciality lays.

What is refinancing and when should I consider it?

Refinancing means replacing your existing home loan with a new one. Either with your current lender or a different one. People refinance for a range of reasons: to access a more competitive interest rate, release equity for renovations or investment, consolidate debt, or restructure a loan that no longer fits their circumstances. A good time to review your loan is every two to three years, or any time your situation changes significantly.

How many lenders do you have access to?

We work with a panel of over 40 lenders including major banks, second tier lenders, non-conforming specialists and white label products. This breadth of access means we can find solutions for a wide range of financial situations, not just straightforward applications.

What happens after my loan settles?

Our relationship does not end at settlement. We stay in touch with all of our clients to ensure your loan continues to work for you as your circumstances evolve. We conduct regular loan reviews, let you know when the market shifts in a way that may benefit you, and are always available when your situation changes and you need guidance.

What areas do you service?

We are an independent mortgage brokerage based in Noosaville with brokers across Queensland — meaning we have a genuine local presence in every market we serve. Kate Sadler is based in Noosaville and services clients across the Noosa region including Noosa, Noosaville, Tewantin, Noosa Heads, Sunshine Beach, Cooroibah, Weyba Downs, Noosa North Shore and the wider Noosa Shire. Kate and Jeane also cover the Noosa Hinterland including Cooroy, Cooroy Mountain, Doonan, Eumundi, Lake Macdonald, Pomona, Tinbeerwah and Verrierdale. Jeane Hofmeyr is based in Marcus Beach and services clients across Marcus Beach, Peregian Beach, Peregian Springs, Coolum Beach, Castaways Beach, Sunrise Beach and surrounding suburbs. Belinda Gough is based in Palm Beach and services clients across the Gold Coast including Palm Beach, Burleigh Heads, Nerang, Southport, Currumbin, Elanora, Miami, Mermaid Beach, Broadbeach, Robina and surrounds. Tyler Auld is based in Loganholme and services Brisbane Southside including Springwood, Daisy Hill, Underwood, Rochedale, Calamvale and surrounding suburbs. Talia Ryan services Yeppoon, Rockhampton and the wider Central Queensland region. The Broker Society also helps clients right across Queensland and Australia, working remotely with clients in every state and territory.

Mortgage Broker Sunrise Beach

Looking for a mortgage broker in Sunrise Beach? Jeane Hofmeyr at The Broker Society helps first home buyers, investors and refinancers across Sunrise Beach and the Northern Sunshine Coast. 40+ lenders.

A person with light skin and rings on their fingers typing on a laptop keyboard on a wooden table, with a clear cup and straw nearby.

Frequently asked questions

Can Jeane help me buy my first home in Sunrise Beach?

Yes. Sunrise Beach offers better value than neighbouring Sunshine Beach and Noosa, making it a genuine entry point for first home buyers. Jeane will help you access the 5% Deposit Scheme, First Home Owner Grant and any Queensland concessions you're entitled to.

Is Sunrise Beach a good area to buy an investment property?

Sunrise Beach has seen strong capital growth in recent years, with available land becoming increasingly scarce as the suburb matures. If you're considering it for investment, Jeane will help you structure your lending to suit your goals.

I already own in Sunrise Beach, is it worth refinancing?

If you haven't reviewed your home loan recently, there's a good chance you're paying more than you need to. Jeane will compare your options across 40+ lenders and give you a straight answer.

Do you help with beachfront or absolute waterfront purchases?

Yes. Sunrise Beach has a small pocket of absolute beachfront properties along Tingira Crescent, and these often sit outside standard lending criteria. Jeane has the local knowledge and lender relationships to work through these more complex purchases.

I'm self-employed, can you still help me get a loan?

Yes. Jeane works with lenders who genuinely understand self-employed income and will assess your application fairly rather than against a standard PAYG checklist.

How close is Sunrise Beach to Noosa Junction?

Just a couple of minutes' drive. Sunrise Beach gives you that relaxed, laid back coastal lifestyle while still being close to Noosa Junction's shops, cafes and restaurants, which is a big part of its appeal.

Your Local Mortgage Broker in Sunrise Beach, Jeane Hofmeyr

Money Matters and So Do You

Sunrise Beach sits just south of Sunshine Beach and a few minutes from Hastings Street, close enough to enjoy everything Noosa has to offer, while maintaining its own distinct character and community feel. With a diverse range of properties from affordable townhouses through to prestige homes, Sunrise Beach attracts a wide mix of buyers and remains one of the most underrated suburbs in the Noosa region.

Jeane Hofmeyr is a local mortgage broker with The Broker Society, based in nearby Marcus Beach. She helps Sunrise Beach clients find the right home loan across 40+ lenders, whether they're buying their first home, refinancing, investing, or building.

Why Sunrise Beach is Worth Watching

Sunrise Beach offers excellent value compared to its northern neighbour Sunshine Beach, while delivering the same pristine surf, wide sandy beaches, and proximity to the Noosa lifestyle that buyers are searching for. It's a suburb that consistently attracts strong interest from lifestyle buyers, young families, and investors who recognise that the Noosa premium doesn't always have to come with a Noosa price tag.

What Jeane Helps Sunrise Beach Clients With

First Home Buyers — Sunrise Beach offers some of the best value entry points into the Noosa region property market. Jeane will help you navigate the 5% Deposit Scheme, First Home Owner Grant, and Queensland stamp duty concessions — and find a lender that suits your situation.
Refinancing — Already own in Sunrise Beach? Jeane will compare your current loan across 40+ lenders and give you a straight answer on whether you could be saving more.
Investment Loans — Strong rental demand, proximity to Noosa, and consistent buyer interest make Sunrise Beach a compelling investment. Jeane will help you structure your lending the right way.
Construction Loans — Building in Sunrise Beach or nearby? Jeane specialises in construction finance and will manage the process alongside your builder.
Self-Employed Borrowers — Business owners and sole traders — Jeane works with lenders who genuinely understand self-employed financials.
SMSF Loans — Looking to purchase Sunrise Beach property through your SMSF? Jeane can guide you through the specialist requirements.
Commercial Finance — Business lending and commercial property finance for Sunrise Beach and the wider Noosa region.

Local Knowledge You Can Actually Use

Jeane lives and works on the Northern Sunshine Coast. She knows Sunrise Beach and the surrounding suburbs, understands the local property market, and brings that knowledge to every client conversation. Combined with access to 40+ lenders and complete independence from any bank — that's the difference The Broker Society makes. Fees always disclosed upfront from the very first conversation.

[Call Jeane: 0401 881 286]

Jeane also services Marcus Beach, Peregian Beach, Coolum Beach, Peregian Springs, Castaways Beach and the wider Northern Sunshine Coast.

Ready to talk?

If you're buying, refinancing or investing in Sunrise Beach, get in touch with Jeane Hofmeyr to book a time to chat. She'll walk you through your options and help you find the right way forward.

Make an appointment Meet the team

The local angle

Sunrise Beach sits just south of Sunshine Beach, and that short distance makes a real difference to what you'll pay. David Low Way splits the suburb in two: a small pocket of absolute beachfront homes along Tingira Crescent to the east, and a larger, more affordable residential area to the west. Even without a beachfront address, plenty of homes here still pick up genuine ocean views, without the price tag that comes with Sunshine Beach or Noosa proper.

It's a relaxed, laid back pocket of the coast, but it's not remote. Noosa Junction, with its shops, cafes and restaurants, is only a couple of minutes away, so you get the quieter lifestyle without giving up convenience. The suburb is still relatively young, which means available land has become increasingly scarce, and that scarcity has driven some of the strongest capital growth on this stretch of coast in recent years.

That combination, genuine value relative to its neighbours, a tightening supply of land, and easy access to Noosa, is exactly why we see such a mix of buyers here. First home buyers after value, families wanting space without the Sunshine Beach price tag, and investors drawn to a market where good stock doesn't sit around for long.