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For those seeking a Second Home Loan, selecting the right option is vital for your financial security and peace of mind. A Second Home Loan customised to your needs can help you achieve your investment goals without burdening you with excessive debt or high-interest rates. Therefore, it is essential to work with a reputable and experienced mortgage broker who can guide you through the process and assist you in securing the most suitable loan for your situation.
At Q Financial, our mission is to assist individuals from all backgrounds in reaching their financial goals. Our team of specialists, including our dependable mortgage broker Quinto White, has the knowledge and skills to expertly navigate the lending landscape and secure the best outcomes for our clients.
Whether you’re a First Home Buyer, Home Upgrader, looking to Refinance, invest, or purchase a New Home, our Award-Winning Home Loan Specialists, led by Quinto White, are here to provide advice-driven solutions tailored to your unique financial and lifestyle objectives—both now and in the future.
At Q Financial, our dedication extends beyond our clients to the well-being of our environment. We practice ethical lending, actively reduce our carbon footprint, and strive to make a positive impact. With your support, we can continue to achieve even greater things!
Contact Q Financial today and let Quinto White, our dedicated mortgage broker, guide you through the journey of realising your financial aspirations.
It’s no secret that it’s getting harder and harder to get into your first home. The good news is that for many there are more ways to get into the property market than they think. The government does want more Aussies to actively participate in the nation’s property market, and particularly younger Australians. While the government schemes, grants and incentives are great, the main issue remains the same – how do you save all that money for a house deposit?
START SAVING AND SET A TIMELINE
Be realistic with your savings goals, and start small if you have to – ANYTHING, is better than nothing. Open an account that you can’t touch or transfer funds out of easily such as a term deposit and watch your nest egg grow. Set goals with how much you want to save by, so that you’re accountable for the results.
REDUCE YOUR EXPENSES
Look for ways to reduce your discretionary spending. Cut back on non-essential items and activities, such as eating out, entertainment, or subscription services. Consider negotiating better deals for utilities, insurance, or internet services to lower your monthly expenses.
GET ON TOP OF DEBTS
Consolidating your debts is one of the most straightforward ways to get on top of existing loans or debts, and ultimately lowering your interest rates. One credit card stashed for emergencies isn’t going to make or break your chances of a loan approval, but a large car loan or multiple miscellaneous debts might.
TAKE ADVANTEGDE OF GOVERNMENT SUPPORT
The Federal and State Governments of Australia want you to buy a house, as you will directly impact the economy in a positive fashion. Consider monetary benefits available such as the First Home Buyers Grant, HomeBuilder Grant or even the First Home Grant – they are in place to help you, and it all adds up.
INCREASE YOUR INCOME
While cutting down on your living expenses sometimes doesn’t leave much wriggle room for potential savings, increasing your income is an alternative that doesn’t necessarily suck all the fun out of your lifestyle. If you have a creative pursuit that can be turned into a side hustle – go for it. Explore the opportunities around you that could boost your income.
This option has become super common over the last 5 years with houses getting more expensive. This one can allow you to buy a house with ZERO DEPOSIT. Yes, that’s right, you don’t need to have any money saved, however I recommend you get saving a little first even if to prove to yourself you can afford to own property…
Pros for this option:
Cons for this option:
All the above options can work well if they fit your circumstances, I often find people would rather not use Mum & Dad but when they see the massive benefits many of them decide to ask the question. I will always arm clients with all the info they need and guide them through these options in much more detail before they decide on a strategy.
The Home Guarantee Scheme (HGS) is an Australian Government initiative to support eligible home buyers to buy a home sooner.
How it works: The government make a guarantee to the Participating Lender of up to 15% of the value of a home loan under the First Home Guarantee which means you do not need to pay Lenders Mortgage Insurance.
The Scheme includes three types of Guarantees:
Supporting eligible home buyers to buy a home sooner and avoid paying LMI.
Supporting eligible regional home buyers to buy a home sooner, in a regional area.
Supporting eligible single parents with at least one dependent to buy a home sooner.
Hi! If you’re a property investor seeking financial guidance 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!
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.
Are you under mortgage stress, in the lurch with the looming mortgage cliff, or heading for mortgage prison (if you aren’t already)? Mortgage refinancing can be your way out of these impending problems. There are a lot of benefits when it comes to refinancing a home loan. These include the following:
Lower interest rates
Reduced monthly repayments
Access equity
Better loan features
Relief from mortgage pain
Debt consolidation
Restructure your loan
Pay off mortgage faster
First, a broker can help you understand the borrowing process and provide guidance 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.
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.
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.
Yes, a mortgage broker can still help first home buyers that have 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.
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 if 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.
The mechanics for submitting application to certain grants to buy first home can vary. Specifically, to apply for the First Home Owners Grant, you can either apply through an approved agent or via the FHOG customer portal. If you require the grant for settlement or first drawn down/progress payment, you must lodge your application with the approved agent who is providing you finance. Applicants must lodge within 12 months of settlement or the completed construction date of your new home. You’ll need to complete the First Home Owner Grant (New Homes) Application form if you’re applying through an approved agent.
Buying a house for 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.
Buying a cheaper house as a first investment has advantages such as requiring less money to get started and potentially having less downside risk, as well as offering potential positive cash flow and upside potential. However, cheaper properties may be in poor condition and harder to sell, and due diligence is important.
Definitely! Click this link to book an appointment with me and my team. Alternatively, you can head over to our Coffs Coast office located in 3/10 Queen Street, Woolgoolga NSW 2456.
Refinancing a home loan has never been so easy! Schedule your obligation-free PHONE consultation now to find out how you can take advantage of these lender benefits.
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
