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  • Writer's pictureJared Mullane

Top 3 Mortgage Brokers Sunshine Coast

Updated: 2 days ago

Choosing the right mortgage broker can make life so much easier when you’re trying to secure a good finance deal. 


In this guide, you’ll learn about three of the top mortgage brokers on the Sunshine Coast, complete with a list of their services, awards and more. We’ll also show you how to narrow down your search and the questions you should be asking brokers if you’re buying or refinancing property on the Sunny Coast.


Who are the best mortgage brokers on the Sunshine Coast?

A mortgage broker signing paperwork in an office

There are numerous brokers on the Sunshine Coast who can assist with your mortgage search, but how do you know if they’re any good?


Here are three of the top brokers on the Sunshine Coast:

1. Sunshine Coast Financial Solutions

Located in Sippy Downs, Sunshine Coast Financial Solutions has one of the most extensive lender panels of any broker in the area. The multi award-winning brokerage has a team of finance specialists who ‘provide simple and useful guidance on any kind of financial needs’. This includes educating clients, managing finances, planning for the future, providing helpful resources, as well as offering advice on debt reduction and wealth creation strategies. 


Specialises in:


Lender panel: 60+ lenders


Years in operation: 10+ years


Awards & recognition:

  • Better Business Awards 2024 QLD - Loan Administrator Award Finalist, Shanina Smyth

  • Better Business Awards 2024 QLD - Regional Finance Broker Award Finalist, Chris Wilson

  • Better Business Awards 2024 QLD - Residential Finance Broker Award Finalist, Chris Wilson

  • MPA’s Top 100 Brokers in Australia 2023 - Chris Wilson


Google review rating: 5 stars (based on 490 reviews)


Contact:

  • Phone: (07) 5437 9073

  • Email: Submit an online enquiry via the Sunshine Coast Financial Solutions website

  • Address: 18/8 Fairfax Street, Sippy Downs, QLD 4556

  • Website: https://scfsolutions.com.au/


Business hours: Mon-Fri, 8:30am - 5pm


Onsite/online appointments: Yes

2. Mortgage Choice Peregian Beach

Mortgage Choice Peregian Beach is led by mortgage broker and owner Gordon MacVicar and his wife, Larissa Barton, who run a team of home loan experts. As part of the wider Mortgage Choice group, the Peregian Beach brokerage claims to simplify the home-buying process while supporting clients every step of the way.    


Specialises in:

  • Home loans

  • First home buyer loans

  • Investment loans

  • Refinancing 

  • Self-employed home loans


Lender panel: 30+ lenders


Years in operation: 7+ years


Awards & recognition: 

  • 2021 QLD Winner & National Finalist (Better Business Awards): Best Regional Broker

  • 2021 QLD Winner & National Finalist (MFAA): Community Champion Award

  • 2021 QLD Winner & National Finalist (MFAA): Customer Service Award

  • 2021 QLD State Finalist (MFAA): Community Champion Award

  • 2020 QLD Winner & National Finalist (Better Business Awards): Rising Star Award


Google review rating: 5 stars (based on 435 reviews)


Contact:


Business hours: 

  • Mon-Thurs, 8:30am - 5pm

  • Fri, 8:30am - 4pm

  • Sat, by appointment


Onsite/online appointments: Yes

3. BrokerCo

BrokerCo runs a dedicated team of home loan specialists that puts their clients’ goals first, covering a wide range of borrower types. Equipped with a live chat service that’s manned by real mortgage brokers and finance experts, BrokerCo claims it can compare multiple lenders for you in minutes.   


Specialises in:

  • Residential mortgages

  • First home buyer loans

  • Refinancing

  • Debt consolidation 

  • New Home Guarantee Scheme


Lender panel: 50+ lenders


Years in operation: 15+ years


Awards & recognition: None listed


Google review rating: 5 stars (based on 185 reviews)


Contact:

  • Phone: (07) 5370 8333

  • Email: Submit an online enquiry via their website

  • Address: Maroochydore Homemaker Centre, Level 1/11/55 Maroochy Blvd, Maroochydore, QLD 4558

  • Website: https://brokerco.com.au/


Business hours: Mon-Fri, 9am - 5pm


Onsite/online appointments: Online appointments only


How to find the best mortgage brokers on the Sunshine Coast

Finding the best Sunshine Coast mortgage broker will require some research. Here’s where you can start: 


  • Check company websites and individual broker profiles for client reviews.  

  • Ask friends, family or colleagues for recommendations, especially if they’ve recently used a local broker.

  • Get in contact with your preferred mortgage brokers to discuss your needs, and assess the way they communicate. 

  • Choose a broker who gives reliable advice based on your circumstances and financial goals. 

  • Lastly, don’t forget to ask them about how they’re paid (brokers usually earn commission but in some cases, may charge an upfront fee).


Your broker should have an understanding of the Sunshine Coast property market

An aerial view of the Sunshine Coast and the coastline with properties

Migration during the pandemic boosted property prices on the Sunshine Coast, but has slowed recently in comparison to its peak in mid-2022. Despite the downturn, house prices are still “61% higher than they were in March 2020”, according to the Sunshine Coast News. Given this level of demand for property, your mortgage broker should be proactive, ready to act quickly when a desirable property becomes available.


You’ll also want to make sure your broker is up to speed with property transaction regulations, including transfer duty rates, as these factors can impact your borrowing needs. Furthermore, they should be knowledgeable about any government incentives available to various borrower types, such as first-time homebuyers. 


Although most larger brokerages operate online Australia-wide, a Sunshine Coast-based broker may have access to local lenders with deals tailored to local borrowers.


Key questions to ask Sunshine Coast mortgage brokers

If you’ve weighed up the pros and cons of using a broker and you’re ready to go ahead with their services, ensure you ask the following questions: 


  • How many lenders do you work with? Mortgage brokers usually have access to a select number of lenders, including banks, credit unions and specialist lenders. Ensure they have a diverse spread of lenders as this means you’ll likely have more loan products to choose from.   

  • How do you recommend products and lenders? Brokers in Australia must be licenced and adhere to the ‘Best Interests Duty’, whereby recommendations have to be in the client’s best interests and not of a product or lender offering a higher commission.  

  • Do I have to pay any fees for your services? Most brokers won’t charge any upfront fees, but rather they’ll earn a commission from the lender you choose upon settlement. It still doesn’t hurt to verify, though, as some brokers may charge a fee if the client has a very unique situation, such as an individual with bad credit. 

  • Should I only consider a mortgage with a low interest rate? A reliable mortgage broker will run through all of the home loan features, including the interest rate, fees and charges, terms, redraw facilities, and offset accounts for a clearer understanding.  

  • How long does pre-approval take? This will depend on the lender you choose, but given that brokers work with lenders every day, they should be able to provide an estimated timeframe.


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Disclaimer: The mortgage brokers presented on this page are based on research carried out by our experts at the time of writing. We are not making a recommendation about any particular brokers. Please use this information as a guide only, and do your own research before engaging with a mortgage broker. 

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