Home Loans

Imagine enjoying the process of
getting your home loan
(yes, you read that right).
Book a free consultation with one
of our expert Mortgage Brokers to
discuss about your loan options.



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.

When you need competitively priced home loans Gold Coast residents can rely on to offer excellent flexibility and value, look no further than the team at Mortgage Innovations. We are an experienced home loan broker that aims to find every client a mortgage product that’s exactly right for their circumstances.

No matter how complex your situation might be, we can usually find an accessible borrowing option that will enable you to achieve your home ownership goals.

couple hugging in new home

Experienced Loan Brokers

Buying a property or refinancing an existing property can be a stressful experience for many people. With so much at stake, knowing you can depend on your home loan team to make the borrowing process as straightforward and stress-free as possible can really help. Our Gold Coast team of home loan professionals combine extensive knowledge of the market with a can-do, pro-active approach and a friendly, empathetic attitude. We want your borrowing experience to be as simple and hassle-free as possible at every stage.

We have considerable experience in working with clients that have a less-than-ideal credit rating, or other challenging financial circumstances. Our compassionate, sympathetic staff will do all they can to enable you to achieve your property ownership goals.



Mortgage Innovations is a home loans brokerage company. This means that we don’t directly lend money. Rather, we work with a wide team of lenders to find our clients a product that provides them with the best solution to their home loan needs. When you apply to a bank or other lending institution for a home loan, your options will be limited to the products that the bank provides. In contrast, when you apply to Mortgage Innovations for a home loan, we help you find the option that’s right for you from hundreds of different borrowing products from dozens of different lenders.

This approach enables us to offer a good selection of borrowing options to every client, regardless of their circumstances. Particularly if your borrowing needs are a little out of the ordinary, or you need a creative solution, our team can usually find a suitable option for you.

First home buyer Loans

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

home loans for Self-employed

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

Home loan Refinancing

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 loans

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 & 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:





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


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.


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.


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:

Loans For Poor Credit

A significant number of people living on the Gold Coast have a sub-prime credit rating. The good news is that this doesn't mean the end of your home ownership dreams. We can frequently locate a borrower that is prepared to lend to you. If we can't, we will provide advice and suggestions for improving your credit rating, hopefully meaning that a fresh home loan application in the future is more likely to be successful.

Even if you've been turned down for a home loan elsewhere, it's still worth getting in touch to see if we can help. Remember, we offer a FREE, no-obligation consultation – a no-risk opportunity to discover more about the potential options we can offer. We also have options for self-employed workers, home loan refinancing products and guarantor home loans. As a company that works creatively, we can often provide specialist home loans Gold Coast home buyers can use to complete their property purchases.

Book An Appointment Now!

We believe that our wide range of home loan products and expert assistance from our friendly, professional team are what make Mortgage Innovations the best option for your home loan needs, no matter what your situation might be. Get in touch with the team at Mortgage Innovations to find out more about us and the products we have available.

Home Loan Pre Approvals

We can provide pre-approved home loan finance to our clients in order to help them prevent interest rate increases over the future months while they look for their dream home or their next investment property. Here are the top three reasons given by our clients for delaying making an offer on a home until their loan financing was approved.

1. To give the borrower certainty about the interest rate, we provide a true pre approval that is assessed by a credit manager and keeps the assessment rate for the duration of the pre approval (typically three months).

2. Preapproval is free, thus the buyer is responsible for submitting an offer on a house.

3. Real estate agents love when potential buyers are ready and have their preapproval in place in a case where there are multiple bids. This aids in elevating their offer to the top of the list.

It’s critical to be aware that some banks simply grant approvals on a quick basis without carefully reviewing the supporting evidence for revenue. Furthermore, most lenders don’t hold the assessment rate, which creates a significant danger in a situation when the official cash rate is steadily increasing.
Get in touch with our professional team of brokers right away for advice you can trust and the reassurance that your home loan pre approval is valid.


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). 


We’re a family-owned business with around 8 staff, 15+ years experience and more than $500M of approved loans. By taking time to understand your requirements, we help make your dreams come true with caring, professional service.

Our team of specialists including Gold Coast Finance Brokers, Medical Mortgage Brokers, Varsity Lakes Mortgage Brokers, Gold Coast Mortgage Brokers and Southport Mortgage Brokers  will find the right loan for you.


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This page provides generic information only; it was created without considering your individual goals, requirements, or financial condition. Before accepting any offer or product, we advise you to think about whether it is appropriate for your situation and to assess your entire financial status. It is not intended to be legal, tax, or financial advice, and you should always obtain a professional's opinion regarding your particular situation. All loan products are subject to lender requirements and approval. Fees, terms and conditions apply.

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