First Home Buyer Mortgage Broker for Sunshine Coast

First home buyers in Sunshine Coast in 2026

Sunshine Coast is one of the most active first home buyer corridors in Queensland. New townhouse stock around Maroochydore, Montville, and along the Maleny corridor often qualifies for the FHOG. Established Queenslander cottages on a tightly held Sippy Downs or Nambour street usually do not - but the QLD first home concession on transfer duty still saves the buyer real money. Knowing which scheme fits which property is the broker's first job.

A suitable accredited mortgage broker carries the broad lender panel that lets them place your file at the bank whose serviceability calculator treats the FHOG as deposit (some do, some do not), respects your bonus or casual income (some do, some do not), and accepts your guarantor structure (some do, some do not). The right lender first time means a cleaner approval path, fewer rate-card surprises, and fewer avoidable credit enquiries.

What the broker handles for you

• Eligibility check across all three schemes. FHOG, QLD first home concession on transfer duty, Australian Government 5% Deposit Scheme. The broker confirms which apply to your property + your situation.
• Lender shortlist. Of the broad lender panel, three or four lenders fit your profile best. The broker explains the trade-off (rate vs flexibility vs LMI treatment) before you choose.
• Pre-approval. Clean PAYG files often come back within 1 to 5 business days when documents are complete, but timing varies by lender and workload. The broker submits, chases, and holds the conditional approval while you bid or negotiate.
• Contract review window. Before you sign, the broker checks the property against the chosen lender's policy (apartment density rules, postcode rules, off-the-plan deposit rules) so you are not stuck with a contract the lender will not fund.
• FHOG and 5% Deposit Scheme paperwork. Submitted alongside your loan application where eligible. The broker liaises with QRO and the lender on grant timing.
• Settlement coordination. The conveyancer, the lender, the agent, the FHOG application - all aligned to a single settlement day.

Process - what to expect

1. Submit the form. A few details about your goal, deposit, and income. Takes under three minutes.
2. Broker callback. A broker experienced with first home buyers reviews your details and contacts you.
3. no-pressure broker review. The broker calls or video-calls you at a time that suits, confirms eligibility, walks the lender shortlist, and quotes a realistic timeline.
4. Pre-approval submitted. Documents collected, application lodged. Clean PAYG profiles are usually faster, but the broker gives you the lender-specific timing before submission.
5. Property + settlement. Bid with confidence. The broker handles the unconditional finance approval, the FHOG application, and settlement coordination.

Why our network for first home buyers

The brokers in our Sunshine Coast panel specifically work first home buyers - they know which lenders take the FHOG into the deposit calculation, which lenders fund off-the-plan apartments before completion, and which lenders accept guarantor structures without making a meal of it. They are MFAA or FBAA accredited and hold current ASIC Credit Representative status. Their specific credentials and Credit Quote come to you in writing before any conversation about your loan.

Read the in-depth first home buyer support guide for the rules + traps, or open the borrowing power calculator for an indicative range and the first home buyer checklist for the documents to gather.

Common first home buyer questions