We’ve Helped Over 150+ First Home Buyers
We’ve Helped Over 150+ First Home Buyers
We help Queensland’s frontline workers buy their first home with clear guidance, the right loan strategy, and support from first conversation through to settlement. If you’ve been trying to figure out what you can actually borrow or where to even start, you’re in the right place.
Specialist mortgage brokers based in Cairns, servicing police, nurses, and teachers across Queensland.
No obligation. We work for you, not the banks!
A lot of first home buyers wait longer than they need to because they haven’t had a proper look at their position. Answer a few quick questions and get a personalised snapshot of your likely borrowing range, what grants or schemes may be available to you, and what a realistic next step looks like.
No credit check. No commitment. Takes 2 minutes.
There are a number of government grants and schemes available to eligible first home buyers in Queensland, and many people are unaware of the options that already apply to their situation.
We assess your eligibility as part of your initial strategy and factor these into your loan plan from day one.
Eligibility conditions apply to all schemes. We assess your situation properly before making any assumptions.
Most mortgage brokers work across every type of client. We’ve chosen to work exclusively with police, nurses, and teachers, because frontline professionals have specific income structures and employment conditions that a generalist broker isn’t always equipped to handle well.
Our principal broker, Dan McEntee, is a former police officer with 15 years of service in Cairns, and that experience shapes how we approach every application.
Online calculators and bank estimates often produce different numbers because they don’t account for how your income is actually assessed by lenders. Allowances, shift loading, and overtime are treated differently depending on the lender. We assess your borrowing capacity based on real lender policy and your specific income structure, so the number we give you reflects your genuine position.
A nurse who assumes her shift loading will be counted in full, or a police officer who includes overtime in an online calculator, can end up with a borrowing figure that changes significantly when a lender applies their own policy. We know how lenders assess frontline income and structure applications accordingly, so there are no surprises after you’ve already found a property you want to buy.
We know that after a long shift the last thing you want is a jargon-heavy explanation of comparison rates and loan structures. We slow the process down, explain each step in plain English, and we’d rather answer the same question twice than leave you uncertain about something important. There’s no pressure to move faster than you’re comfortable with.
Your application is handled by a dedicated team with specialist credit and settlements support working behind the scenes. You won’t be passed off or left to follow up on your own. We stay across every stage and keep you informed throughout, from initial assessment through to the day you get your keys.
Buying your first home involves more steps than most people realise, but none of them are as complicated as they first appear. We walk you through the whole process so nothing catches you off guard.
01
Tell us about your income, savings, and goals. We’ll give you an honest picture of what you can borrow and what your next step looks like, with no obligation and no cost.
02
We assess your capacity based on actual lender policy, accounting properly for your income structure. We’ll also identify the grants you’re eligible for and select the right lender before preparing your pre-approval application.
03
We manage the full application through to settlement, handle lender communication on your behalf, and keep you informed at every stage so nothing catches you off guard.
These calculators are a useful starting point for understanding your numbers. Keep in mind that your actual borrowing capacity will depend on your income structure, employment type, and the lender we match you with. If the numbers feel different to what you expected, that’s worth a conversation.
Book a free strategy call with Dan and get a clear, honest picture of where you stand. Many first home buyers are further along than they think. There’s no obligation after the call and no cost, so there’s no reason to put it off.
Free. No credit check. No pressure to proceed.
The standard requirement is a minimum 5% deposit, though some lenders prefer 10 to 20% without government support. Through the First Home Guarantee, eligible buyers can purchase with as little as 5% and avoid paying Lenders Mortgage Insurance. Single parents may be eligible for the Family Home Guarantee, which allows purchases with as little as 2%. The right path depends on your specific situation, which is something we assess properly before recommending any particular approach.
Because every lender, calculator, and bank uses different criteria to assess income. Some include overtime and allowances in full; others apply reductions or exclude them entirely. For frontline workers with variable income components, the gap between different estimates can be significant. What matters is finding a lender whose policy suits your income structure, which is something we assess before recommending anyone.
The Queensland First Home Owner Grant is currently $30,000 for eligible purchases of new or substantially renovated homes. Eligibility depends on the purchase price, property type, and your residency status, among other criteria. We check your eligibility as part of your initial strategy call so you know from the outset what’s available to you.
No. Our service is at no direct cost to you. We are paid a commission by the lender when your loan settles, and this doesn’t affect the interest rate or loan terms you receive. Because we compare over 40 lenders, we’re often able to identify more competitive options than going directly to a single bank.
It depends on the lender. Some count allowances and overtime in full, others apply reductions, and some exclude variable income components altogether. Because we work exclusively with police, nurses, and teachers, we know which lenders assess frontline income structures most favourably and we structure your application accordingly. This is one of the most practical reasons to use a specialist broker rather than approaching your bank directly.
A formal pre-approval application does involve a credit enquiry, which can have a minor short-term impact on your score. Our initial strategy call and borrowing capacity assessment don’t require a credit check at all, though. We only move to a formal application once you’re well-positioned and ready to proceed, which protects your credit file in the process.
Most lenders assess pre-approval applications within 3 to 10 business days once documentation is in order. We prepare your application thoroughly to reduce the chance of delays and manage lender communication throughout, so you’re not left chasing updates yourself.
Yes. While we’re based in Cairns, we work with police, nurses, and teachers throughout Queensland. Everything can be handled remotely by phone, email, or video call, and many of our clients manage the process around their shifts without needing to come into an office.
