Home loans

Imagine enjoying the process of getting your home loan (yes, you read that right)

Find out how with our experienced, caring Gold Coast team

Buying your home or investment property is probably one of the biggest purchases you’ll make in your life. So it’s important to get the finance right or it will cost you money and time.

But the right loan isn’t just about the rate. Yes, that’s important, but the right loan structure also saves you.

Then there’s the whole experience. Working with the right people makes the process of applying for your Gold Coast home loan easy and enjoyable.

So imagine working with a team who takes the time to listen to you, then works with you to help you achieve your goals. That’s what we do at Mortgage Innovations.

We’re here to help you with a range of Gold Coast home loans including:

First home buyer

Buy your home sooner with the First Home Owner Grant and other concessions.


We offer a wide range of low-doc, honeymoon, fixed and variable rate loans


Lower your monthly repayments and consolidate debt with a better deal


Change up to a new home to suit you with support, including a bridging loan if needed

Investment property

Plan for your future and purchase an investment property with a range of loans to suit you

Guarantor loans

Get help purchasing your home with support from a family member

Construction loans

The right loan to suit you and save you, whether you’re renovating or building your dream home

Trusts and SMSF loans

Expert advice on the right loan and structuring for your trust or SMSF loan

To make your Gold Coast home loan application experience easy and stress-free, we take you through our step-by-step Loan-MI process

Step 1 is easy. It starts with a chat, with a free consultation with one of our friendly team:


Here’s how we make getting a home loan easy

We created the Loan-MI process to:

  • Find the right home loan product to suit your needs
  • Save you time
  • Give you the best chance of approval
  • Make it easy for you
  • Support you throughout the process

Let's Chat

Get your questions answered with a short free consultation call with one of our friendly team. We won’t waste your time and will let you know if we can help. Click here to book your free consultation and we’ll be in touch.

Meeting at our offices or via video call

To save you time, we’ll do some research on which lenders and loans might suit your needs before we catch up. Then we’ll talk in more detail about your circumstances and goals so we can find you the right loan.

We’ll find you the Right loan

This is where we get to work finding you the best loan product in the market from our panel of over 40 lenders and 800 loans.


You’ll get all the details on the loan(s) we’ve selected for you so you can make an informed decision. Our team is available every step of the way to answer your questions.


Once your application is submitted, our Elite Broker status gives you a faster turnaround time. We’ll update you on the progress of your application and let you know as soon as it’s been approved.


Once your loan is approved, we’ll go over the loan documentation with you. This includes assisting with having documents witnessed in our office to save you time finding a JP.


To make the settlement process seamless, we’ll liaise with the bank and your solicitor on your behalf.

The first step in finding your finance is a chat with one of our friendly team. We won’t waste your time and will let you know if you’re eligible for a loan:

Gold Coast car and asset loan FAQs

How can I find out if I’m eligible for a home loan?

The fastest way is to talk to us. We’ll answer your questions and won’t waste your time. All you need to do is request a free consultation  and one of our friendly team will be in touch.

How long does it take to get a home loan approved?

To save time, make sure you have all the documentation we need (see below) ready as it will help speed up the process. Although every home loan is different, on average it takes 4–5 days from the first phone call to approval with our team.

What documentation do I need to apply for a home loan?

To speed up the process of applying for a home loan, be prepared because lenders request proof including:

– Identification (100 points)

– Employment and income, including either payslips or invoices, and tax returns for up to 18 months

– Savings, including your bank statements for the past 3–6 months

– Current debts, including billing statements

– Assets, for example a rates notice for another property

Why should I talk to you instead of my bank?

Because unlike a bank, we have access to at least 20 lenders. That means we find you the right loan, which starts with the right loan structure to suit you. We’ll show you what your bank can do plus compare it to the market, giving you a bigger range to choose from.

How much deposit will I need?

Most lenders will want you to have a deposit of 5–10% of the purchase price of the property. But the bigger deposit the better, because some lenders may require Lenders Mortgage Insurance (that is, unless you’re eligible for the First Home Loan Deposit Scheme – see below).

How does the First Home Owners Grant work?

This scheme is a one-off payment that varies by state or territory (from $7,000 up to $26,000). The Queensland Office of State Revenue can confirm these amounts – click here to find out more. We can also educate you about the current grants and how they can assist with your first property purchase.

How does the First Home Loan Deposit Scheme work?

In this scheme, the government acts as the mortgage insurer, guaranteeing home loans for eligible first home buyers with a minimum of 5% deposit. This can save first home buyers anywhere from $10,000 to $30,000 in Lenders Mortgage Insurance fees. To find out if you’re eligible, click here. We’re happy to answer your questions on how the scheme works with your property purchase.

What are guarantor home loans?

In this type of loan, a family member such as a parent uses their property as security for your mortgage. It’s a great way to get into the property market if you don’t have enough savings for a deposit. A guarantor can choose how much they guarantee, so they are only responsible for that amount of the loan. It’s important to note however that if you can’t pay back the loan, the guarantor is liable.

We Compare. You Save.

Know that you’re getting the right deal and loan to suit you from our range of over 60 lenders and 1000 loan products:

Find out what your numbers are

Work out how much you can borrow, what your repayments will be and plan how much you could save with our free calculators (or you can request a free consultation to get your questions answered). 

Mortgage Innovations

Meet a local Gold Coast team of home, car and asset loan experts who help make your dreams come true with caring, professional service

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© 2020 Mortgage Innovations - All Rights Reserved | Mortgage Innovations Pty Ltd CAN 128 840 040 is authorised under LM Broker Services Pty Ltd Australian Credit Licence 517192.

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The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. While all care and attention is taken in its preparation, any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.