Mortgage and Finance Brokers on the Gold Coast

Oakwood Finance on the Gold Coast

Our Gold Coast office is at 39 Heatherdale Drive, Upper Coomera, in the northern growth corridor, among the new estates and established suburbs that draw first home buyers, young families and investors. That shapes the work we do here. Residential lending is a natural focus: helping first home buyers through their first application, arranging construction loans for house and land purchases, and refinancing or restructuring for established households and investors. We are finance brokers rather than a lender, so we compare suitable options across more than 70 lenders and manage the application while the lender assesses and decides.

First home buyers on the Gold Coast

A first home loan involves more decisions than it first appears: how much deposit is enough, whether lenders mortgage insurance applies, whether a parent can assist, which government schemes you may be eligible for, and how a lender will view your income and spending. We walk through each of these with you before any application is lodged, so the lender sees a prepared, complete file. If you are early in the process, we can help you understand what lenders commonly look for so you can plan towards it. Learn more about first home buyer lending and home and personal lending.

Building, moving and investing

If you are buying a house and land package or planning a knock-down rebuild in suburbs such as Coomera, Pimpama or Ormeau, construction lending works differently from a standard home loan, with funds commonly drawn in stages against builder invoices. We arrange construction finance, next-home and upgrade loans, bridging options where a lender offers them, and investment lending for those adding a property on the coast or elsewhere. See next home buyers, refinancing and investment loans.

Business, medical and specialised lending

The Gold Coast is home to many small businesses, trades and health practices, and we arrange commercial property finance, business lending, asset and equipment finance, medical and specialised lending and SMSF property lending for them, drawing on the same team that handles our commercial work nationally. See commercial finance and medical and specialist lending.

Our Upper Coomera office

39 Heatherdale Drive, Upper Coomera QLD, 4209
Phone: 1300 73 75 76
Email: hello@oakwoodfinance.com.au

Meetings are by appointment, in Upper Coomera or at a location that suits you along the coast. Arrange a consultation.

Working with clients across the Gold Coast and northern New South Wales

We work with clients along the length of the coast, wherever you are based: Coomera, Pimpama, Ormeau, Helensvale and Hope Island in the north; Southport, Surfers Paradise, Broadbeach and Robina through the centre; Burleigh Heads, Palm Beach and Coolangatta to the south; and across the border into Tweed Heads and the Northern Rivers. We also support HOTA, Home of the Arts, as part of our connection to the community here.

Gold Coast home loan FAQs

How much deposit do I need for a first home on the Gold Coast?

It depends on the lender, the property and your circumstances. Lenders commonly accept a range of deposit sizes, with lenders mortgage insurance or additional security from a family member’s property often used where the deposit is smaller, and some government schemes may reduce what you need. We work through the options with you and confirm what each lender requires before you commit to a purchase.

Can you help if I am buying in Tweed Heads or elsewhere in New South Wales?

Yes. Lending is arranged nationally and each lender sets its own policy regardless of the state. We factor in the differences in stamp duty and first home concessions between Queensland and New South Wales when we plan your budget and timeline with you, and your conveyancer or solicitor advises on the legal side of the purchase.

Is a construction loan different from a normal home loan?

Yes. Lenders typically assess the land, the fixed-price building contract and the plans together, and funds are commonly released in stages as each phase of the build is completed, with interest generally charged only on what has been drawn. We coordinate with your builder and the lender so progress payments are made on time.

Is it worth refinancing if I settled only a few years ago?

Sometimes. Rates, fees and features change, and so do your circumstances. We compare your current loan with suitable options from other lenders and set out the costs of switching against the potential benefit, so you can decide on the facts. Where staying put is the sensible call, we will say so.

Oakwood Finance Pty Ltd is a Credit Representative (561236) of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704. Oakwood Finance arranges credit through lenders and does not lend in its own right. All lending is subject to lender assessment, and terms, fees and charges apply.

Finance across the Gold Coast

Oakwood Finance works with first home buyers, young families, investors, trades, small businesses and health practices right across the Gold Coast, with appointments available at our office in Upper Coomera in the northern growth corridor. That location is close to the growth suburbs of Coomera, Pimpama and Ormeau and the established communities of Hope Island, Sanctuary Cove and Helensvale, while clients from Southport, Broadbeach, Robina and the southern beaches work with us just as readily. Oakwood does not lend; we arrange credit by comparing suitable options across more than 70 lenders, which matters on a coast where construction loans, investment purchases and business finance often sit side by side.

Gold Coast

Whether you are in the north or the south of the coast, the home loans we arrange cover first homes, construction and refinancing, commercial finance supports local businesses and premises, medical and professional lending covers health practices and practitioners, asset finance covers vehicles, tools and equipment for trades, SMSF lending helps self-managed funds buy property, and development finance supports small projects in the growth corridor.