Do you have to meet in person on the Sunshine Coast?

No. We work with Sunshine Coast clients both in person and online, whichever suits you. Plenty of our clients do the whole loan by phone, email and video call, and sign electronically. If you would rather meet face to face, we can arrange that too.

Can you help first home buyers on the Sunshine Coast?

Yes, this is a big part of what we do. We walk you through the Queensland First Home Owner Grant for eligible new builds, stamp duty concessions for first home buyers, and low-deposit pathways like the Home Guarantee Scheme, then match you with a lender that fits. Start with our stamp duty calculator to see the likely cost.

Can you help with a construction loan for a new build or house and land package?

Yes. The Sunshine Coast has some of Queensland's fastest-growing new communities, and construction and house and land lending is a specialty of ours. We structure the loan around the fixed-price build contract and manage each progress payment through to completion.

Are you a DHOAS or Defence-friendly broker?

Yes. Duty First Mortgages is veteran-owned, and the Sunshine Coast is home to many serving and former ADF members. We know DHOAS, HPAS and Defence pay structures from the inside and put those entitlements to work on your loan.

Does it cost anything to use a Sunshine Coast mortgage broker?

Our home loan service is free to you. The lender pays us a commission when your loan settles, so it does not come out of your pocket and it does not change your loan.

Sunshine Coast home loans

Sunshine Coast mortgage broker, in your corner from Caloundra to Noosa

Q: Do you only work on the Sunshine Coast?

No. We are Queensland-based with strong local knowledge of the Sunshine Coast, but we are licensed to help clients right across Australia. Wherever you are buying, we can help.

Buying your first home on the Coast, building in a new estate, refinancing or adding an investment: we compare more than 60 lenders and handle the hard parts for you. Veteran-owned, with local knowledge and a service that costs you nothing.

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A broker who knows the Coast

The Sunshine Coast is one of Australia's most popular places to put down roots, and the local market moves quickly. From the established suburbs to the big new master-planned communities, buyers here are competing for good homes and good loans. That is where a broker earns their keep: we do the running around, compare the market and present your application in its best light, so you can focus on the home, not the paperwork.

We help people at every stage across the region:

First home buyers getting into the market with the right grants and a low deposit.
Families upgrading to a bigger home or a better pocket of the Coast.
Builders and renovators financing a new build or a house and land package.
Investors weighing up rental returns and the new-build tax landscape.
Defence families, serving and ex-serving, using their DHOAS entitlements.
Self-employed buyers whose income needs presenting the right way.

Across the region

Areas we cover on the Sunshine Coast

Local knowledge from the southern beaches to the hinterland and up to Noosa. If your suburb is not listed, we still cover it.

Caloundra · Pelican Waters · Kings Beach · Golden Beach · Aura · Maroochydore · Mooloolaba · Alexandra Headland · Kawana · Birtinya · Buderim · Sippy Downs · Palmview · Harmony · Nambour · Palmwoods · Coolum · Peregian · Noosa & the wider hinterland

First home buyers on the Sunshine Coast

Your first home should feel exciting, not overwhelming. We explain the whole process in plain English and make sure you are using every bit of support you are entitled to. Depending on your situation, that can include:

The Queensland First Home Owner Grant for eligible newly built or substantially renovated homes.
Stamp duty concessions for first home buyers and for buying a first home or vacant land in Queensland. See the likely cost with our Queensland stamp duty calculator.
Low-deposit pathways such as the Commonwealth Home Guarantee Scheme, which can help eligible buyers purchase with a smaller deposit and avoid LMI.

Getting the order right matters, and so does choosing a lender that accepts the schemes you want to use. We map that out before you commit to anything, then get you a pre-approval so you can shop with confidence.

New builds & house and land

The Coast's growth corridors, from Aura to Harmony, are full of house and land packages and new builds. We structure construction lending around your fixed-price contract and manage every progress payment. Read how progress payments work.

Plan your build

Defence & DHOAS families

The Sunshine Coast is home to a strong ex-Defence community. As a veteran-owned brokerage we know DHOAS, HPAS and military pay from the inside. See our DHOAS and veteran home loans page.

Use your entitlements

Refinancing & investors

Already own on the Coast? We will check whether your loan is still working for you with a free mortgage health check, and help investors weigh cashflow with our negative gearing calculator.

Check your loan

Common questions

Sunshine Coast home loan questions

Do we have to meet in person?

No. We work with Sunshine Coast clients both in person and online, whichever suits you. Many clients do the whole loan by phone, email and video call, and sign electronically.

Can you help first home buyers?

Yes, it is a big part of what we do. We walk you through the Queensland First Home Owner Grant for eligible new builds, first home stamp duty concessions and low-deposit pathways, then match you with a lender that fits.

Do you only work on the Sunshine Coast?

No. We are Queensland-based with strong local knowledge here, but we are licensed to help clients right across Australia.

Can you help with a construction or house and land loan?

Yes. With so many new communities on the Coast, construction and house and land lending is a specialty. We structure the loan around your fixed-price build contract and manage each progress payment.

Are you Defence-friendly?

Very. We are veteran-owned and work with many serving and ex-serving members using DHOAS and other Defence entitlements.

Does it cost anything?

No. Our home loan service is free to you. The lender pays us when your loan settles.