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Looking to Buy Your First Home on The Gold Coast?

Our mortgage brokers help first home buyers navigate home loans and grants to maximise their options.

Request a Free Appointment

Expect a response from us within 24 hours.








    Your details will remain confidential.

    Helping Pave Your Path to Home Ownership

    Because not all Options are the Same

    Our brokers will guide you step by step

    The process for buying a home is not always straight forward. Let our brokers guide your journey to make it as smooth as possible.

    Maximising your monetary opportunities

    Unlock better rates and opportunities

    We help you take advantage of available grants, low-deposit options, and competitive loan rates to reduce your short and long term costs.

    Taking care of the process on your behalf

    Handling the process on your behalf

    From comparing rates to paperwork and lender communication, we handle the leg work so you can find the right home with confidence.

    Discover Current Support for First Home Buyers

    Our Gold Coast mortgage brokers will guide you through every available grant, concession, and incentive, so you don’t miss out on any hidden benefits.

    Client Google Reviews

    5.0

    Rated 5 out of 5

    Shane Clarke

    Rated 5 out of 5
    Google Review

    Using a mortgage broker can sometimes be a hit and miss process. Luckily for me, I came across Lauren Eakins on a google search and all the reviews are accurate.Lauren guided me through the mortgage process with enthusiasm and eagerness, finding great deals that suited my circumstances.

    Gurjeet Singh Grewal

    Rated 5 out of 5
    Google Review

    Highly recommend Lauren and her team. They are extremely professional, knowledgeable, and genuinely cares about getting the best outcome for their clients. They will go above and beyond to help you structure your loan correctly and will always be available to answer questions. If you’re looking for reliable advice and excellent service, this is the team to trust.

    Eddie Caine

    Rated 5 out of 5
    Google Review

    Lauren and the team have once again helped us secure the best available loan and rate for our mortgage. Seamlessly settled just before Christmas almost 3 years to the day since our first home settled. We wouldn’t trust anyone else! Five stars all the way! We have already referred multiple people and will continue to do so. Merry Christmas to the Eakins Finance and Insurance team.

    GOLD COAST PROPERTY MARKET THOUGHTS 2025 – 2026

    By Lauren Eakins

    The Gold Coast property market has continued to draw strong buyer demand, supported by interstate migration and limited housing supply. House values rose through 2025, particularly in lifestyle suburbs and coastal precincts, with some forecasts noting growth of up to 10–12%. This steady demand, paired with low listing volumes, has provided a solid base of stability even as borrowing conditions remained tight.

    Looking ahead to 2026, the Gold Coast market shows potential for continued moderate growth. Infrastructure investment, including new transport links and community developments, is expected to further underpin property values. Should interest rates ease later in the year, improved borrowing power could support another wave of buyer activity, making the region an attractive option for both homeowners and investors.

     

    Home Loan Interest Rate From

    5.84

    %*
    p.a.

    Home Loan Comparison Rate From

    5.84

    %*
    p.a.

    Take the Guesswork Out of Buying Your First Home

    A Clear, Step-by-Step Pre-Approval Process for New Buyers

    Get Ready to Apply for a Home Loan

    1. Let’s Get Ready to Apply

    Find out how much you can borrow with a free first-home assessment. We’ll review your finances and share practical ways to strengthen your borrowing power.

    Application Pre-Approval

    2. Application & Pre-approval

    We’ll help you gather the right documents, compare lenders, and submit your application to secure pre-approval, so you can start making offers on properties you want to buy.

    Become a Homeowner

    3. Become a Homeowner

    Once approved, we’ll guide you through final loan steps, settlement, and handover, making your move from renter to homeowner smooth and stress-free.

    Our Trusted Lenders

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    Don’t Wait for Prices to Rise Again!

    Looking for your first home on the Gold Coast?

    Let’s get you ready to make an offer with a home loan pre-approval letter in hand.

    Pre-approval gives you a clear budget, stronger negotiation power, and peace of mind knowing your finances are ready. It’s valid for up to 90 days and can easily be extended if you need more time.

    Call or book an appointment today and take the first step toward owning your first home.

    Request a Free Appointment

    Expect a response from us within 24 hours.








      Your details will remain confidential.

      Frequently asked questions

      Most first home buyers on the Gold Coast aim for a 20% deposit, but you can often buy with as little as 5–10% depending on your lender and eligibility. We’ll show you what’s realistic for your situation and how much to budget for extra costs like stamp duty, insurance, and legal fees.

      Yes. Many first home buyers with modest incomes successfully purchase through a mix of smart budgeting, government support, and flexible lending options. The key is understanding your borrowing power early and choosing a loan that fits your cash flow.

      Suburbs like Pacific Pines, Oxenford, Merrimac, and Carrara remain strong entry points for first home buyers. They offer good transport links, local schools, and long-term growth potential without the premium price tag of coastal areas like Palm Beach or Burleigh Heads.

      Trying to time the market rarely works. Gold Coast prices have more than doubled in many suburbs over the past decade, showing long-term demand for lifestyle and growth. The better strategy is to buy when your finances are ready and the numbers make sense for you.

      Yes. Eligible first home buyers on the Gold Coast can access Queensland’s First Home Owners’ Grant, which offers up to $30,000 toward a brand-new home, townhouse, or apartment valued under $750,000. There are also regional incentives and stamp duty concessions that can further reduce your upfront costs. Our team can help you check eligibility and structure your loan so you get the most benefit from these programs.

      Most lenders issue pre-approval within 2–5 business days, provided your documents are ready. Having recent payslips, bank statements, and ID on hand speeds things up considerably. We’ll help you prepare everything so you can make an offer fast.

      Pre-approval means a lender has reviewed your finances and is likely to approve you up to a set limit. Unconditional approval happens once the property is chosen and the lender verifies its value and contract details. Knowing the difference helps first home buyers move confidently through the buying process.

      A broker acts as your personal guide, comparing lenders, explaining loan options, and managing the paperwork so you don’t have to. For first home buyers on the Gold Coast, this support can save thousands and prevent costly mistakes during the biggest purchase of your life.