Mortgage Broker Tewantin

Yes. Tewantin is one of the more achievable places to buy in the Noosa Shire, especially for units, townhouses and older homes. Kate works through your deposit, borrowing power, state-based grants and the government deposit schemes. Only some lenders on our panel take part in the schemes, so we match you with one that does.

Often, yes. A family guarantee lets parents use equity in their own home as extra security for your loan, which can reduce the deposit you need. Kate explains how it works for everyone, and we always recommend guarantors get independent legal advice.

Usually not with a standard home loan. Most retirement village and land lease homes are not accepted as security by lenders because of how they are owned. Purchases like these are often funded from the sale of a home or savings, and Kate can help you work through the numbers and timing.

It mainly affects insurance. Some low-lying streets sit inside flood overlays, which can make insurance harder or more expensive to get, and lenders need the property insured before settlement. Get a quote during your finance period to avoid surprises.

It can be. Many lenders treat lifestyle blocks as residential up to a certain land size, often around 10 hectares, while larger or income-producing land may be treated as rural with lower lending limits. Kate matches the property to a lender whose rules suit it before you commit.

Yes. A granny flat can be funded by releasing equity, a top-up or a construction loan, depending on the size of the build. If family members are contributing, Kate can help you structure it fairly so everyone is protected.

Age alone isn't a barrier, but lenders want to see how the loan will be repaid, especially without a salary. That might be through super, investments, the sale of another property or a shorter term. Kate explains what each lender looks for and which suit retirees best.

It can be an option for homeowners over a certain age who want to access equity without selling or making regular repayments. It is a big decision with long-term effects, so Kate takes the time to explain it, encourages family to be involved and recommends independent legal advice.

Often, yes. Bridging finance lets you buy your next home first and sell afterwards, so you are not rushing a sale or moving twice. Kate runs through the peak debt and timing with you first.

Most lenders use one or two years of tax returns and some will look at your most recent year if it is stronger. Kate has spent years specialising in self-employed lending and knows which lenders take a practical view of trade businesses.

Possibly. Low doc home loans can use BAS statements, business bank statements or an accountant's declaration instead of recent tax returns. Kate will also tell you if getting your lodgements up to date first would open up better options.

Yes. Our ATO debt consolidation service helps business owners use property equity to clear tax debt and set up a manageable plan, which can protect the business and make future borrowing easier. The earlier you talk to Kate, the more options there usually are.

Often, yes. Our debt consolidation service, The Reset, combines credit cards, car loans and personal loans into one plan with one repayment. Kate will show you the full cost over time so you can decide if it genuinely helps.

Usually worth checking. Your equity, income and the lending market have likely changed since you set it up. Kate reviews your loan against our panel and only recommends a change if it genuinely leaves you better off.

In many cases, yes. Kate works out how much usable equity you have and structures the loans so your home and the investment stay separate. Having rebuilt her own portfolio, she will always talk about what is sensible as well as what is possible.

It can, if your fund's strategy allows it. A residential property in an SMSF can't be lived in or rented to you or your family, while a commercial property can be leased to your own business at market rent. Only some lenders offer SMSF loans, and Kate works with your accountant or adviser.

Yes. Commercial lending covers workshops, shopfronts, offices and mixed-use property, for your own business or as an investment. Commercial loans are assessed differently to home loans, and we compare lenders who are active in the Noosa market.

No. The Broker Society works with clients Australia wide, and plenty of our Tewantin clients are buying from Brisbane, interstate or overseas. Almost everything can be handled online.

Yes. Our office is at Shop 9, 201 Gympie Terrace, Noosaville, just down the road from Tewantin. You can also meet Kate online by video, with screen sharing so you see the numbers and lender comparisons as she explains them.