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At Q Financial, we believe finding the right home loan in Burleigh Heads should be a smooth and straightforward experience. With access to over 40 lenders and a vast array of loan options, we carefully match you with the perfect loan to meet your unique financial needs. Whether you’re buying your first home or expanding your investment portfolio, our advanced technology works seamlessly with banks to secure the best possible rates—leaving the stress behind.
We pride ourselves on taking the time to truly understand your financial goals, helping you reduce unnecessary costs, avoid Lenders Mortgage Insurance (LMI) where possible, and create repayment plans that work for you, complete with features like offset accounts. Best of all, our services are entirely free. Plus, many lenders offer special benefits for first-home buyers, and we’ll ensure you make the most of these opportunities.
Hi! If you’re a Coffs Harbour local seeking financial guidance as a first home buyer, a property investor, or refinancing homeowner, you’ve come to the right place! My name is Quinto, and I will be your trusted and friendly local broker who will guide you every step of the way.
Feel free to reach out to me and my team today to get connected to the home mortgage lenders who will look upon your application most favourably. We promise that you will get an absolutely FREE, no-obligation consultation!
It’s never too early to consult a broker—waiting until you find the ideal property can limit your options. Getting professional advice early on helps you gain a clear understanding of your borrowing capacity and address any potential challenges before they become obstacles, ensuring you’re fully prepared when the right property comes along. Starting the process early also gives you the chance to strengthen your financial position, whether it’s reducing debts, increasing savings, or improving your credit score. This proactive approach can substantially boost your borrowing power and reduce delays when the time comes to submit your final application. Read More
The Burleigh Heads property market presents incredible opportunities, especially in the outer suburbs. However, understanding which areas to avoid—such as those with oversupply—is crucial, as lenders may see these areas as higher risk and could require larger deposits. Partnering with a local Burleigh Heads mortgage broker ensures you receive expert, tailored advice. We help secure competitive repayment options, beneficial loan features, and closely monitor interest rate fluctuations to guarantee you always get the best deal. By working with a broker, you’ll also gain insights into emerging suburbs where property values are expected to rise, potentially increasing your long-term return on investment.
Credit cards can influence your home loan approval, but with effective management, you can minimise the impact. Timely bill payments, lowering credit limits, or consolidating cards can all enhance your borrowing capacity. Our experts will work with you to optimise your credit profile, boosting your loan application for better approval chances and more favourable rates. Additionally, closing unused credit cards before applying can improve your creditworthiness in the eyes of lenders. Understanding how credit card debt factors into your borrowing capacity is crucial to maximising your loan approval amount.
Low property valuations or weak credit scores can complicate the loan process. We address these challenges early by ordering free valuations and reducing unnecessary credit checks to protect your credit score and strengthen your application. A strong credit score can also give you leverage when negotiating with lenders, potentially resulting in lower interest rates or more flexible loan terms. Minimising credit enquiries during the loan process is essential to avoiding red flags in your application.
While securing the lowest interest rate is important, loan features can have a significant impact on your overall savings. Features such as offset accounts, redraw facilities, and extra repayment options can save you thousands over the life of the loan. We simplify the process by comparing the latest loan options from over 40 lenders, helping you find the right balance of interest rates and features to suit your financial goals. Additionally, splitting your loan between fixed and variable rates can provide both stability and flexibility, allowing you to adapt to changing market conditions.
Lenders Mortgage Insurance (LMI) is an expense for borrowers, designed to protect the lender. You can avoid this cost by saving a larger deposit or reducing your Loan to Value Ratio (LVR) to below 80%. We’ll guide you through strategies to reduce or avoid LMI expenses. If saving 20% isn’t feasible, we’ll explain how LMI can still help you enter the market sooner and offer tips on managing the costs effectively. Additionally, some lenders offer limited-time LMI exemptions for certain professionals or buyers in particular areas—an option worth exploring with your broker.
Every lender has specific credit policies that can affect your loan approval. At Q Financial, we ensure your application is aligned with the lender’s criteria, minimising delays and improving your chances of success. Understanding how different lenders handle casual or freelance income, for example, can be a game-changer for non-traditional earners. Our in-depth knowledge of lender preferences ensures your application fits seamlessly, saving you time and effort.
A great mortgage broker simplifies the process, offers personalised advice, and focuses on your unique needs. At Q Financial, we go beyond simply finding a loan—we make it a priority to understand your financial circumstances and provide customised loan options. From pre-approval through to settlement, we’re with you every step of the way, ensuring you secure the best deal now and in the future. After settlement, a quality broker will continue to monitor your loan, identifying opportunities for refinancing to help you save as market conditions shift.
An experienced mortgage broker makes all the difference. They understand lender policies, navigate complex applications, and have the right contacts to streamline the approval process. At Q Financial, our brokers bring years of experience in the Burleigh Heads market, ensuring your loan application is set up for success. Many of our brokers own property themselves, providing personal insights into the process. Our extensive industry network also helps fast-track approvals, and we know how to present even the most challenging applications in a way that meets lender criteria.
Choosing the right mortgage broker starts with careful research. Look for brokers with positive reviews, strong market knowledge, and valuable content. At Q Financial, we offer personalised, trustworthy advice—not one-size-fits-all solutions.Read Less
We compare a wide range of loan products from major banks and specialised lenders to secure the best deal for you.
Our services come at no cost to you. We are paid by the lender after your loan is settled, and we disclose all fees upfront to ensure complete transparenc
We offer flexible meeting times to suit your schedule, whether you’re in Coffs Harbour or overseas. Virtual meetings are available for added convenience.
We don’t disappear after your loan is settled. We regularly review your loan to ensure you always have the most competitive rate and provide continuous support as your financial situation changes.
As fully accredited and endorsed by the Mortgage & Finance Association of Australia (MFAA), we uphold the highest standards in the industry.
Our dedication to helping you achieve your financial goals has earned us industry recognition and multiple awards.
Buying Your First Home in Burleigh Heads? We Understand the Pressure.
At Q Financial, we know how overwhelming it can be to make the right choice when purchasing your first home. That’s why we provide tailored solutions that align with your personal financial and lifestyle goals, both for now and the future. With access to a wide network of home mortgage lenders, we’ll connect you with those most likely to approve your application, giving you the peace of mind that you’re in capable hands.
We’re here to offer expert advice and dedicated support throughout every step of the process. Contact us today to take the first step towards owning your dream home in Burleigh Heads.
Feeling Stuck in Your Current Burleigh Heads Home Loan with Rising Cash Rates?
With cash rate hikes showing no sign of slowing, you might feel trapped in your current Burleigh Heads home loan (otherwise known as mortgage prison). Or perhaps you’re approaching the end of your fixed-rate term and are worried about switching to a variable rate. Refinancing could be the solution you’re looking for.
We can connect you with lenders offering cashback deals to help offset the refinancing costs, or those providing competitive rates that you can lock in now to shield yourself from further cash rate increases.
At Q Financial, we’re committed to helping you save on your mortgage and regain control of your finances. Reach out to us today to explore your refinancing options.
Ready to Dive into Property Investment in Burleigh Heads?
Our team of approachable and experienced mortgage brokers in Burleigh Heads is here to guide you every step of the way.
We understand that finding the right home loan is crucial to your investment success. That’s why we offer customised solutions tailored to your unique financial and investment goals, ensuring you have the best foundation for your property journey.
Take the first step towards building a profitable investment portfolio in Burleigh Heads with our expert support. Get in touch with us today to get started!
At Q Financial, we are dedicated to assisting individuals from all walks of life in achieving their financial goals. With our team of experts, including our trusted mortgage broker, Quinto White, we have the expertise to effectively navigate the lending landscape and secure favorable outcomes for our clients.
Whether you’re a First Home Buyer, Home Upgrader, looking to Refinance, make Investments, or embark on a New Home Purchase, our Award-Winning Home Loan Specialists, led by Quinto White, are here to provide advice-driven solutions tailored to your specific financial and lifestyle goals—both now and in the future.
At Q Financial, we are not only committed to our clients but also to the well-being of our planet. We embrace ethical lending practices, actively offset our carbon emissions, and strive to make a positive impact. With your support, we can continue to accomplish even greater things!
Contact Q Financial today and let Quinto White, our dedicated mortgage broker, guide you through the process of achieving your financial dreams.
A mortgage broker is a professional who can help you find and apply for a home loan from a range of lenders. They can provide you with a range of options, whereas a bank and home mortgage lenders in general can only offer you products from their own institution.
A mortgage broker can provide you with a range of Coffs Harbour home loan options from various lenders, which can help you secure the right deal for your unique financial situation. They can also help you walk you through your mortgage application process and provide you with personalised guidance and advice.
In most cases, using a mortgage broker is free for borrowers, as they are paid commissions by the lenders they work with.
You will typically need to provide proof of income, identification, and information about your assets and liabilities. Additionally, you may need to provide documentation about the property you are purchasing or refinancing.
The approval process can vary depending on the lender and your individual circumstances. However, it can take anywhere from a few days to a few weeks.
Pre-approval is a conditional approval that gives you an idea of how much you can borrow, whereas final approval is the official approval that is granted once all the necessary documentation has been provided and the lender is satisfied with your financial situation.
Yes, you may be able to negotiate the terms of your home loan with your lender, particularly if you have a good credit history and a strong financial position.
A variable interest rate can change over the life of your loan, whereas a fixed interest rate remains the same. Variable interest rates may be lower initially, but can increase over time, while fixed interest rates provide certainty and stability but may be higher.
Yes, you can refinance your home loan with a different lender to get a better deal or to consolidate debt. However, your capacity to refinance depends on whether or not you have sufficient equity in your home and if the costs of refinancing home loan are too steep that it outweighs the benefits of refinancing in the first place. A mortgage broker can help you determine if you are eligible for refinancing your home loan, and if doing so would be the smart move for you.
It may be more difficult to get a home loan with a bad credit history, but it is still possible. A mortgage broker can help you find lenders who are willing to work with borrowers who have a less-than-perfect credit history.
The frequency of extra repayments can vary depending on the lender and the type of loan you have. Some lenders may allow you to make extra repayments at any time, while others may have restrictions or fees for making additional payments.
Our services are completely free for you. We are paid a commission by the lender once your loan is finalised, and we disclose all fees upfront to maintain full transparency.
No, there’s no need for an in-person meeting. We offer flexible virtual consultations via phone, video call, or email, making the process as convenient as possible—no matter where you are, even if you're overseas.
We provide mortgage and refinancing services throughout Burleigh Heads and surrounding areas. Wherever you are in the region, we’re here to assist with all your home loan needs.
Your borrowing capacity depends on factors such as your income, credit score, and existing debts. During your consultation, we’ll assess your financial situation and give you a clear estimate of how much you can borrow.
We typically secure pre-approval within two business days, depending on your personal circumstances and the lender’s requirements.
Once pre-approved, the full loan approval process generally takes 1 to 2 weeks, depending on the complexity of your application and the lender’s criteria.
Even if you’ve consulted with your bank, it’s worth speaking with a mortgage broker. We’ll compare your bank’s offer with those from other lenders to ensure you’re getting the best available deal—often uncovering better rates or more flexible terms.
Absolutely. We specialise in helping self-employed individuals secure home loans. We’ll assist you in gathering the necessary financial documents and connect you with lenders who understand self-employment.
Yes, we work with lenders that offer loan options for individuals with less-than-perfect credit. We’ll assess your situation and find the most suitable solutions for your needs.
Yes, we can assist you even if you’re purchasing property abroad. We offer flexible services to guide you through the loan process, regardless of where you are located.
Mortgage brokers provide access to loans and rates that banks may not offer directly. At Q Financial, we compare hundreds of loans from over 40 lenders to help you save money on fees and lower your monthly repayments.
Yes, refinancing when interest rates fall can reduce your monthly repayments. We’ll assess your situation and guide you through the refinancing process to see if it’s the right move for you.
Yes, at Q Financial, we provide ongoing support even after your loan is settled. We regularly review your loan to ensure it remains competitive and assist with any adjustments, such as refinancing or switching products.
We recommend reviewing your mortgage at least once a year to ensure you’re still getting the best rate. At Q Financial, we offer free annual reviews to help you stay on top of your financial situation.
If your financial circumstances change, we’re here to help. We can assist with adjusting your loan by refinancing, switching loan types, or modifying your repayment terms to better suit your new situation.
To begin, we’ll need some basic details such as your income, expenses, assets, debts, and the type of property you’re looking to purchase. Our team will guide you through each step and help gather the necessary information.
Booking an appointment is simple. You can schedule a free consultation online or by calling us at 1300 600 037. We offer flexible options, available seven days a week, to suit your schedule.
Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them
left us a star review
Excellent service and ongoing advice when buying our first home. Absolutely recommended!
Quinto and the team were amazing. They answered all our questions and made sure the product we were getting was the right one for our circumstances. Michael kept us up to date with the progress and was so lovely to deal with.
Quinto and Michael have been nothing short of amazing. They are so professional and efficient, they think of everything and take the stress out of the process. I can’t recommend them highly enough. Just perfect 🤩
We recently used Q financial to purchase our first home. Quinto and Michael are fantastic to deal with. Very professional and personable. They made the process very easy and were there for us every step of the way. I highly recommend Q financial.
Quinto and his team not only got me a killer deal but they also recommended awesome an conveyancer and insurance broker. The whole process was fast and easy. Even for a complete novice like me! Such a sick crew to deal with.
I just want to share that the team at Q Financial were fantastic, Quinto and Michael made the process all too easy and drama free, they explained everything in great detail and always took time to answer questions and hold our hands through the process. I first met Quinto I don't mind leaving a review when it's deserved. This is the third time we've used these guys and I can't recommend them highly enough!
We have been very happy with Quinto. He has been helpful and informative and made the experience of purchasing a first home not so daunting.
Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.
I'm so excited I got a loan from a lender who helped me with my loan. It was amazing how I got a loan... I tried a different service but I could never get a loan from that service. Some of them will ask me to fill out a lot of documents and at the end of the day it will not end well. But I'm happy after meeting with KURT. I was able to get my loan of $200,000. now my business is going well and I want you all to know this today because they are fast and 100% reliable. Now I'm paying the loan I got from the company from uni-credit loans all over the world. Get in touch with them and don't waste time with those lenders: send an email to elmamilitansapla@gmail.com via WhatsApp to: +1(217)290-6702
The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home. Thanks guys for all your hard work!
Michael and Quinto were so great at helping us with our home loan. As first home buyers we has no idea where to start, they were able to help with all our questions, find great rates and get the most for us. The communication was great as they were able to schedule important calls with us, that fit in with our busy lifestyles. They made the process painless. Working with these guys meant I wasn't worried about the home loan so we could focus on finding our first home, which we did!!. Thanks Michael and Quinto!!
Michael and Quinto were very helpful throughout the process of applying for a mortgage. They were very knowledgeable and easy to communicate with. Would definitely recommend
Quinto and Michael at Q Financial were exceptional with helping us to purchase our home. They were incredibly prompt and professional, as well as being accomodating and flexible with our busy schedule. Being a doctor, Quinto was able to liase with the bank regarding loans specific for health professionals. I couldn't recommend more highly.
Best in the business, we are going through the construction loan process and due to the current industry climate have had so many changes in circumstances weather it be building companies going into liquidation or the interest hikes to name a couple these guys have stuck by us and guided us every part of the way cannot recommend them highly enough.
Great service would highly recommend for anything mortgage related! Quinto and Michael are the best in the business and go over and above to help, thank you :)
Q goes the extra mile. Great work.
Quinto and the team provided me with top notch service when it was time for refinancing my home. Not only did they guide me through taking over sole title of my property but also securing a great rate. I was grateful that I had a direct line to Quinto and Michael when questions came up opposed to customer service at a big bank. Cheers
Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!
Quinto and Micheal from Q Financial made refinancing our mortgage very easy and helped us get a very competitive interest rate. We were kept up to date the whole way through the process. I would highly recommend Q Financial.
Quinto and Michael have been fantastic to work with. They were able to simplify financial terms, give well-researched recommendations and advice. I loved how easy it was to communicate with the team throughout the process. I'd highly recommend them to anyone in need of their service.
Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.
Q financial were super helpful and walked us through everything Highly recommend using them
Best in the business. Quinto & his amazing team are outstanding. Such great people to work with. They're communicative at every step of the way and worked hard to get the best outcome for us. I work in financial services and deal with A LOT of brokers. Q Financial are by far the best in the industry. You're in safe hands, highly highly recommended. Unbeatable service. So much more than a typical broker, they checked in with us every step of the way, they do goal setting and Financial plans, they even do annual reviews to make sure you're always in the best product - just the best!
Today I am grateful to Brenda William for her great offer and help because she really changed my financial situation with an investment capital of $1,000 I’m making $9,000 profits per week right now. If you need her help, contact her via 👇🏻 Email: brendawilliam784@gmail.com WhatsApp: +1 (754) 400-0330 I advice you shouldn't hesitate to message her.
Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required. Professional, punctual and very informative. Highly recommend
Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼
Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!
Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.
As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them
Quinto and Michael did a fantastic job with very short notice to get finance approved for a very short settlement. They went above and beyond battling through extremely complex business structures and coordinating with the banks.
Quinto and Michael were so helpful in providing mortgage advice and helping us achieve our goal of remortgaging an investment property and purchasing our dream house. Highly recommended!
We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property. They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule. I would highly recommend Q Financial to anyone looking to purchase a property. They are awesome!!
Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !
Quinto and his team did an absolutely outstanding job in helping us secure a home loan and buy our first property. Professional, experienced and so easy to communicate with. Couldn't recommend them enough!
As first home buyers, Q Financial made the entire process of getting a loan straight forward. They accommodated our needs, were knowledgeable and professional. We highly recommend their service!!
Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.
Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!
Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!
Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!
Quinto and the team made the process of buying my first place really easy. Great communication and enabled me to borrow with an ethical bank that doesn't invest in fossil fuels. Highly recommended.
Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them!
Quinto & Michael were so helpful, were always ready to look after us and explained the process to my partner and i every step of the way. They helped us achieve our goal securing a home loan and i couldn't recommend their service more!
Quinto made what was a tedious process talking to banks into something easy and understandable. My partner and I will be talking to Quinto for any future loan requirements. Thanks for all your help Quinto!
What A Service! Quinto made what could be a daunting and complex process like a walk in the park. We had a few challenges that we were up against (self employed, time & low deposit) and Quinto came up with a solution that worked. Thank you for getting our family in our own home. 5 STARS ⭐️⭐️⭐️⭐️⭐️
Quinto's service is second to none. We were looking for finance faced with 3 major challenges (self employed, short time frame, low deposit). Quinto found an amazing solution and turned what was a stressful situation in to an easy process. I would encourage anyone looking for finance to give Quinto a call..... AMAZING!
We recently purchased our first home in Australia, I can't thank Quinto enough it was a smooth, hassle free process, Quinto explained everything clearly. Being self-employed a home loan can be hard to achieve but he helped guide us through with efficiency and a calm approach. I would 100% recommend Quinto to anyone looking for finance. Thank you Quinto..
Quinto is always willing to work with you to get you the best deal for your situation. He's always easy to talk to and a pleasure to deal with, plus he's one of the most genuine people you'll meet! Thanks again!
Great guy and great at what he does
