Mortgage Broker for First Home Buyers

For first home buyers, finding the right mortgage is crucial for your financial stability and peace of mind. A home loan for first home buyers that suits your needs can help you achieve your homeownership dreams without burdening you with excessive debt or interest rates. That’s why it’s essential to work with a reputable and knowledgeable mortgage broker who can guide you through the process and help you find the best loan for your situation.

At Q Financial, we understand the challenges of the mortgage market, particularly for a first time home buyer. We make it our mission to provide expert house buying advice and personalised service to help you get through the process with ease.

We believe that every client deserves transparency, honesty, and respect — and that first home buyers can and should enter the property market armed with all the right resources and with confidence.

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What Is a Mortgage Broker?

A mortgage broker is a licensed professional who acts as a middleman between the borrower (the person looking to obtain a mortgage) and the lender (the financial institution providing the mortgage). The mortgage broker’s primary role is to help the borrower find the right mortgage product that fits their needs, budget, and financial situation.

Mortgage brokers are experts in the mortgage industry and have in-depth knowledge of the different types of mortgage products available in the market, such as fixed-rate mortgages, variable-rate mortgages, and interest-only mortgages. They also have access to a wide range of lenders, including banks, credit unions, and non-bank lenders, which allows them to offer their clients a broader range of mortgage products than a single lender can provide.

What Should You Look for When Working with a Mortgage Broker in Australia?

When it comes to home loans, first home buyers are better off getting help from a mortgage broker because they can be a lifesaver. They’ll work as a go-between for you and lenders, help you figure out how much you can borrow, give you advice on buying a first home, find the perfect first home buyer loan for your needs, and even guide you through the application process.

But as a first home buyer who has just entered the real estate market, how do you know you’re dealing with the best mortgage brokers for first time buyers? You should be looking out for the following:

Certificate IV in Finance and Mortgage Broking
A finance diploma
Australian Credit Licence (ACL), obtained through the Australian Securities and Investments Commission (ASIC)
Membership in reputable mortgage broking organisations like the Mortgage and Finance Association of Australia (MFAA) and the Finance Brokers Association of Australia (FBAA)

Bank vs Mortgage Broker: Who to Talk to About Buying a House?

First home buyers in Australia have two options: work with a bank or work with a mortgage broker. According to a study by the MFAA, 30% of people go to a bank directly and 70% use mortgage brokers.

While working with the bank directly is a common route, working with a mortgage broker would guarantee you that your best interests are being given the highest priority. This guarantee comes in the form of the Best Interests Duty mandate for mortgage brokers.

What Is the Best Interests Duty?

The Best Interests Duty is a statutory obligation for mortgage brokers to act in the best interests of consumers, and to prioritise consumers’ interest when providing credit assistance. This means that mortgage brokers must always act in the best interest of the borrowers and put their interests first.

The duty officially came into effect on 1 January 2021 in Australia. Mortgage brokers are required to assess the best interests of consumers based on factors such as the cost of a product, including interest rates, fees, charges, and repayment size.

While cost is important, it is not the only factor relevant to whether recommending a product is in the consumer’s best interests. The Best Interests Duty provides customers peace of mind knowing that their mortgage broker is legally required to act in their best interests.

However, unlike mortgage brokers, the Best Interests Duty does not apply to banks, which means that if a customer goes to a bank directly, then the bank can act in their own interests and not those of the borrower.

Why Work with a Mortgage Broker For First Home Buyers?

If you are under mortgage stress, in the lurch as a mortgage cliff looms, or about to be trapped in a mortgage prison (if you aren’t already), mortgage refinancing with a mortgage broker’s help is going to be a true lifesaver. As a mortgage broker for first home buyers, we can:

Save you time and money by finding the right loan for you

Analyse your financial standing

Negotiate for better loan terms on your behalf

Provide you expert advice and guidance throughout the mortgage process

Assist you with the required paperwork and documentation

Give you access a wide panel of mortgage lenders

Offer personalised service tailored to your financial needs and goals

Provide you access to better rates and discounts on first time home buyer loans

Work around your schedule and preferred mode of interaction

Guide you through the government grants and schemes

What Are the Eligibility Criteria for First Home Buyer Loans?

For first home buyers, understanding the eligibility criteria for home loans is crucial in securing a property. At Q Financial, we ensure that every first home buyer is well-informed about the requirements to make their homeownership dreams a reality. Below are the eligibility criteria you need to meet:

Age and Citizenship

To qualify for a first home buyer loan, you must be at least 18 years old. Additionally, you need to be an Australian citizen or a permanent resident.

First Home Ownership

As a first home buyer, you must not have previously owned a home in Australia. This includes any property ownership, whether it was partial or full.

Residency

To benefit from these schemes, you must plan to live in the property as your primary residence. Typically, this means you need to move into the home within 12 months of purchase and live there continuously, usually at least six months. Read More

What Are the Available First Home Buyer Grants and Schemes in NSW and QLD?

There are several grants and schemes designed to help first home buyers in New South Wales (NSW) and Queensland (QLD):

New South Wales

First Home Owners Grant (FHOG): The First Home Owner Grant in NSW offers $10,000 to first home buyers purchasing a new home valued at up to $600,000 or a house and land package up to $750,000. This grant is aimed at those buying or building a brand new home, or purchasing a substantially renovated property.
First Home Buyers Assistance Scheme (FHBAS): This scheme provides transfer duty (stamp duty) exemptions or concessions. First home buyers purchasing an existing property valued at up to $800,000 are exempt from transfer duty, while those buying properties valued between $800,000 and $1 million receive a concessional rate. For vacant land, full exemptions apply for land valued at up to $350,000, with concessional rates for land valued between $350,000 and $450,000.
First Home Buyer Choice Scheme: This scheme allows first-time home buyers to opt out of paying the upfront stamp duty and opt instead for an annual property tax. This can significantly reduce the initial costs of buying a home.

Queensland

First Home Owner Grant (FHOG): The First Home Owner Grant in Queensland offers $30,000 for first home buyers who sign contracts between 20 November 2023 and 30 June 2025. For contracts signed before 20 November 2023, the grant amount is $15,000. This grant is available for purchasing or building new homes valued at up to $750,000, including off-the-plan purchases and substantially renovated homes.
Stamp Duty Concessions: First home buyers in Queensland can save on stamp duty costs. If the property value is up to $500,000, you pay zero stamp duty, resulting in savings of up to $15,925. For properties valued between $500,000 and $550,000, concessional rates apply, with savings reducing as the property value increases to $550,000.
First Home Guarantee: Through this program, qualified home buyers can acquire a home with a deposit as low as 5% without needing LMI. This scheme is part of the Australian Government’s Home Guarantee Scheme, which aims to support eligible home buyers in purchasing a home sooner by guaranteeing part of the home loan.

What Are the Steps to Secure a Loan for First Home Buyers?

Here are the key steps you need to follow when getting a loan for your first home:

Step 1: Speak with a Mortgage Broker

The initial step in securing a home loan is to consult with a knowledgeable mortgage broker. Acting as a mediator between you and lenders, a mortgage broker for first home buyers can help you find a loan that fits your financial situation.

Step 2: Assess Your Financial Health

Lenders will review your income, expenses, credit history, any existing debts, and overall financial health. Therefore, evaluate your financial health and be prepared by having a clean credit record and demonstrating responsible financial management. This will significantly enhance your chances of loan approval.

Step 3: Determine Your Borrowing Capacity

Your mortgage broker will assist you in calculating your borrowing capacity according to your financial situation. This step ensures you set realistic expectations for your property search.

Step 4: Save for a Deposit

First home buyer loans often require a minimum deposit. This amount can vary based on the scheme or grant you are applying for. For example, under the First Home Guarantee scheme, you can purchase a home with as little as a 5% deposit without the need for lenders mortgage insurance (LMI). Other schemes might have different deposit requirements, so it’s important to know what each entails.

Step 5: Explore First Home Buyer Grants and Schemes

Take advantage of the grants and schemes available to first home buyers to reduce the overall cost of purchasing your first home. Your mortgage broker can guide you on the application process for these programs.

Step 6: Get Pre-Approval

Obtain pre-approval to get a clear idea of the amount you can borrow and show sellers that you’re a serious buyer. Getting pre-approval involves submitting your financial details to the lender, who will assess and conditionally approve a loan amount.

Step 7: Find Your Home

With pre-approval, you can confidently search for your first home. Consider factors like location, property condition, and future value when choosing a property. Your mortgage broker can assist in finding properties matching your budget and needs.

Step 8: Finalise Your Loan Application

Once you’ve found your ideal home, the next step is to finalise your loan application. This involves submitting the property details to the lender, who will conduct a valuation and final assessment. Your mortgage broker will help you prepare the necessary documentation and ensure everything is in order.

Step 9: Settle Your Loan

After loan approval, you move to the settlement stage. This is when the legal transfer of property ownership occurs, and your loan funds are disbursed. Your broker and solicitor will guide you through this process, covering all legal and financial aspects.

Step 10: Move into Your New Home

Upon finalising the settlement, you can now move into your new home. Ensure you meet any residency requirements attached to first home buyer grants and schemes, such as living in the property for a specified period.

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About us

Why Q Financial?

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.

FAQs on First Home Buyer Home Loans

How does working with a first home buyer mortgage broker increase the chances of my home loan application getting approved?

First, a broker can help you understand the borrowing process and guide you on the types of loans that might be suitable for you. They can also help you prepare and organise your financial documentation.

Second, a broker has access to a wide range of lenders and loan products, including those that may not be available to the general public. They can use their industry knowledge and relationships to negotiate with lenders on your behalf and find a loan that meets your specific needs and financial situation. At Q Financial, we can help you get preferential treatment from lenders who can look at your home loan application most favourably!

Third, a broker can help you present your application in the best possible light to lenders. They can highlight your strengths and address any concerns that lenders may have, increasing your chances of being approved.

How much does a mortgage broker cost?

Mortgage brokers generally don’t charge a fee to borrowers, as they receive a commission from the lender when they settle a loan. However, some brokers may charge a fee for their services, so it’s important to ask upfront about any fees involved.

Can you really help me get the best home loan for first home buyers?

In Australia, mortgage brokers are not allowed to claim that a particular home loan is “the best” on the market. This is because the ASIC does not like this phrase, especially since we do not have access to EVERY lender or product in the country — so there is no substantial evidence that the home loan options we are exposing you to are indeed the best.

However, we can work with you to find the loan that is most suitable for your specific needs and circumstances. Our job is to assess your financial situation, discuss your goals and preferences, and recommend a range of options from our panel of lenders. Ultimately, the right home loan for you is the one that meets your needs and fits your budget.

Can a mortgage broker help me if I have bad credit?

Yes, a mortgage broker can still help first home buyers with bad credit. They have access to specialist lenders who may be able to offer you a loan despite your credit history. However, you may need to pay a higher interest rate or provide a larger deposit to secure a loan.

What are grants for new homeowners that I can take advantage of?

Here are some grants for first home buyers that you can ask your mortgage broker to help you with:

First Home Owner Grant Australia (FHOG): This is a one-time grant of up to $10,000 available in NSW and up to $30,000 in QLD to eligible first home buyers purchasing or building a new home.
First Home Buyer Choice: This scheme lets borrowers in New South Wales opt out of paying the first home buyer stamp duty upfront in exchange for annual property tax.
First Home Guarantee (formerly known as First Home Loan Deposit Scheme): This scheme is designed to help first home buyers purchase a home with a deposit as low as 5% without the need for LMI.
First Home Super Saver Scheme (FHSSS): This scheme allows first home buyers to save for a home deposit within their superannuation fund, providing certain conditions are met.
Stamp duty concessions: Depending on which state or territory you’re in, there may be stamp duty concessions or exemptions available for first home buyers.

Who is eligible for a First Home Owner Grant?

To be eligible for this Australian first home buyers grant, you must be 18 years or over, a permanent resident or Australian citizen, plan to live in the property as your home for at least six months, and have never previously owned your own home in Australia. However, eligibility also depends on the state or territory you want to buy in, how much you are going to spend, and whether you own any property already. If you, or a person you are entering into a joint home loan with, have previously claimed the FHOG, you may not be eligible for it again. In some states and territories, the FHOG can be beneficial when you buy or build a “new” home, which can be a newly built property that hasn’t previously been lived in or sold as a home, or a substantially renovated property.

How can I apply for first home buyer grants?

The mechanics for submitting applications to certain grants to buy a first home can vary. Specifically, for the First Home Owner Grant, you can either apply through an approved agent or via the FHOG customer portal. If you need the grant for settlement or for first drawn down/progress payment, you must lodge your application with the approved agent who is providing you finance. Applicants must submit their application within 12 months of settlement or the completed construction date of their new home. You’ll need to complete the First Home Owner Grant (New Homes) Application form if you’re applying through an approved agent.

Should I buy a house if I'm single?

Buying a house for a single person can be tough, especially with our current economic climate that has yet to feel the full impact of the consecutive RBA cash rate hikes. However, the decision to buy a house if you’re single in Australia depends on your personal circumstances, financial situation, and long-term goals. It’s important to consider factors such as your income, expenses, and lifestyle before making a decision.

Is it better to buy a cheap house first?

Buying a cheaper house as a first investment has advantages, such as requiring less money to get started and potentially having less downside risk. It also offers potential positive cash flow and upside potential. However, cheaper properties may be in poor condition and harder to sell, and due diligence is important.

I’m from Coffs Harbour. Can I speak with a Coffs Harbour mortgage broker?

Definitely! Click this link to book an appointment with me and my team. Alternatively, you can head over to our Coffs Coast office located at 3/10 Queen Street, Woolgoolga NSW 2456.

I’m from the Gold Coast. Can I speak with a Gold Coast mortgage broker?

Absolutely. Click this link to book an appointment with me and my team. Alternatively, you can head over to our Gold Coast office located in 3a 37 James Street Burleigh Heads QLD 4220.

Reviews

Client Feedback

Excellent

Q Financial - Home Loan Specialists, Burleigh Heads

4.8

Based on 49 reviews

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Sophie Holmes

We used Q Financial for our home loan a couple of years ago and again recently to consolidate a personal loan. Always happy with their expertise and service. Highly recommend them

Matthew Devenish

Great experience with Q Financial.They handled our home loan application as well as re-financing.Communication was clear and precise and they got us a package that suited our needs going forward.Whole process was smooth and hassle free and I highly recommend them.

Lily W

Quinto was very helpful and great at communicating. I am very happy with the service.

Phoenix

BEWAREThis company took all of our information and then GHOSTED us. They knew we were on a short deadline to achieve finance and they strung us a long. Once I uploaded my documents to their site, I haven't heard back from them. I sent texts, left voice message and NOTHING.I am now concerned this is a scam site and my details are stolen.Avoid this company, biggest time wasters.

Liam Ryan

Michael and Quinto made the process of purchasing a home so much easier. They have been able to make the whole process much more enjoyable and have always made us feel as if we could ask any questions along the way.

Joseph Bartle

Quinto and Michael have been great help with assisting me with securing my first investment property, making the process super easy and stress free, highly recommend!

Candice Choma

Quinto and Michael have both been wonderful with helping me sort my first mortgage and home, even going above and beyond to ensure I got my loan with an ethical bank. I highly recommend these legends!

apple greens

These guys are great ! Every option was offered and advised, so a really informed decision could be made. We have just had to refinance after our 3 year locked in great rate - which they got for us originally, so what could have been a stressful time - it wasn't ! Wouldn't go anywhere else ! Thanks Team !

Mick D

We have used Q-Financial twice now and won’t go anywhere else. Quinto and Michael make the whole process simple. Thank you guys!

Aaron O'Donoghue

Knowledgeable Guidance:One of the standout features of working with Q-Financial was their deep knowledge of financial matters. They were able to explain complex concepts in a clear and understandable manner, ensuring I was fully informed every step of the way.Overall Satisfaction:I am incredibly satisfied with the services provided by Q-Financial. They not only met but exceeded my expectations, and I would highly recommend them to anyone in need of financial services. Thanks Guys

Excellent

Q Financial - Home Loan Specialists, Coffs Coast

5.0

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Jack Tonge

Cant recommend Q Financial enough, from start to finish the process was easy and stress free.

Felix EJ

Great to deal with, absolutely recommend.

Jaxen Heward

Easy team to work with and moved us through the whole process of refinancing with ease. Very insightful as to what the best product is for certain situations and no question was too hard to answer. Very happy!!

Chris Reid

I cannot recommend Q Financial enough - Quinto and Michael were available, professional and friendly throughout the whole process of securing and managing our home loan. These guys will find the best possible deal for you with the banks, and will guide you through the processes step by step. Buying a house is hard, but Q Financial definitely made it easier!

Matthew Hodges

Quinto and his team are just awesome. I first made contact less than two weeks before an auction and he ensured I had pre-approval with plenty of time to spare. Thankfully I was the successful buyer and the communication post auction has been great. I highly recommend Q Financial!

Daniel Ayton

Very professional service. Highly recommend.

Andrew White

Q Financial made the complex process of mortgage application as streamlined and simple as it could be. Their online data collection system is well laid out and easy to follow. Once our application was lodged with our chosen lender, approval was incredibly fast and no further information was requested. Michael and Quinto have been a pleasure to deal with. Highly recommend.

Trent Riley

Quinto and the team have been such a great help with getting our finance. They made everything easy for us and great to talk to. Highly recommend them.

Gabriel Miller

Quinto and Michael from Q Financial have been brilliant throughout the whole process of applying for our home loan. I am the sort of person to stress about the tiny detail but their expert advice made it easy to trust in them and we are very happy with the home loan offer they helped us secure.Michael and Quinto went out of their way to make sure all our questions were answered and were always timely and professors in all our dealings with them.Strongly recommend Q Financial for persons seeking a home loan.

Jay Manley

Emma Munro

August 1, 2023

Excellent service and ongoing advice when buying our first home. Absolutely recommended!

Debbie Hayer

July 27, 2023

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.

Vicki Baston

July 26, 2023

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 🤩

Aaron Price

July 18, 2023

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.

buck69ism

July 11, 2023

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.

Mr E

July 10, 2023

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!

Natalie Gallagher

June 27, 2023

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.

Chris Davis

June 15, 2023

Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.

Paty Vazquez

recommends

June 5, 2023

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

Michael Olivotto

May 3, 2023

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!

Cherie Samson

April 19, 2023

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!!

Cherie Olivotto

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April 19, 2023

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

Camille Lagana

April 18, 2023

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.

Chris Casey

April 8, 2023

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.

Amanda Casey

April 8, 2023

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 :)

Liam McIntyre

March 23, 2023

Q goes the extra mile. Great work.

Caleb Howell

March 8, 2023

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

kaleha costanzo-jones

January 30, 2023

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!!

jai gennat

December 13, 2022

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.

Bec Boo Yall

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December 13, 2022

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.

B BOY

December 13, 2022

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.

jasmine preston

November 3, 2022

Q financial were super helpful and walked us through everything Highly recommend using them

Meg Galloway

October 27, 2022

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!

Akinyemi Abiodun Christopher

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June 5, 2022

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.

b mar

June 3, 2022

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

ChilloutHakk

June 2, 2022

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. 👍🏼👍🏼👍🏼👍🏼👍🏼

Heidi

June 1, 2022

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!

Jackson Simon

May 12, 2022

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.

Dave P

April 22, 2022

Sophie Holmes

March 29, 2022

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

Jeremy Day

February 21, 2022

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.

jennyfromthegym

February 8, 2022

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!

Alicia Matthews

November 25, 2021

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!!

Julia Ehemann

November 15, 2021

Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !

Joseph Bailey

November 10, 2021

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!

Melanie Singh

November 8, 2021

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!!

Tim Wilson

November 1, 2021

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.

Sara Schepis

recommends

October 4, 2021

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!

Sara Schepis

October 4, 2021

scott neale

September 16, 2021

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!

Matthew Collins

June 16, 2021

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.

Linda Dalton

May 11, 2021

ariel tobey

May 2, 2021

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!

Dylan Smith

January 25, 2021

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!

Lewis White

recommends

September 21, 2020

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!

Anthony Laye

recommends

February 17, 2020

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 ⭐️⭐️⭐️⭐️⭐️

Anthony Laye

February 17, 2020

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!

Nicola Laye

February 17, 2020

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..

Brian Grose

recommends

October 22, 2019

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!

Adam Armitage

recommends

September 29, 2019

Great guy and great at what he does