RBA has increased interest rates get mortgage refinance advice HERE

HOME LOAN CAIRNS

Why struggle with finding a home loan when you can relax and let our mortgage brokers do the work?

We don’t just stop at finding you the best loan for your circumstances – we’ll do the leg work for you too! Plus, with our in-depth Cairns property knowledge, we will help you avoid making costly mistakes.

Home Loan Cairns

Explore your options by booking a free consultation





    Great home loan rates and cash savings 

    Fast and convenient loan application process 

    Access to exclusive deals and loan rebates

    Cairns home loan guidance and local market advice

    Up to $4,000
    Cashback
    When
    You Refinance

    Explore attractive cash back offers when you refinance.
    Terms and conditions apply.

    Reviews from our Clients

    5.0

    5/5

    Shane Clarke

    5/5
    2 months ago - Google

    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.

    Eddie Caine

    5/5
    4 months ago - Google

    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.

    Steve Chan

    5/5
    5 months ago - Google

    Outstanding service, the team at Eakins made the entire process of buying a new home as smooth and stress-free as possible. No question too dumb, no detail too small. I’d happily recommend them to friends and family.

    MARKET THOUGHTS 2022 - 2023

    By Lauren Eakins

    The year has seen continued strong sales in the FNQ region for property. For the latter part of the year, whilst rates have continued to affect the top end of clients borrowing power, the price of property has been stable. We believe the level is held up by pent up demand and a reduction in the number of listings for this time of year. The medium term outlook continues to be strong for houses under $600,000 as both investors and owner occupiers vie for the same stock. The tight rental market supports rental yield and assists investors rising costs of capital with increase to rental prices.

    Home Loan Interest Rate From

    5.68

    %*
    p.a.

    Home Loan Comparison Rate From

    5.68

    %*
    p.a.

    Looking to buy a home in Cairns? We are the experts!

    Eakins Finance & Insurance is your one-stop-shop for home loans in Cairns. Our team of experienced and licensed mortgage brokers, led by principal Lauren Eakins, are dedicated to providing home buyers and investors with tailored loan solutions and financial advice.

    We understand the unique needs of our clients, take the time to listen, and assess the best options for their situation. With our knowledge and expertise, we can help you find the right deal to meet your home loan needs.

    These are the areas in which we help buyers and investors:

    • Identify their home loan borrowing capacity.
    • Help you find the most suitable option for home loans with competitive interest rates.
    • Arrange finance for the initial acquisition of a property.
    • Help with the refinance of a mortgage loan on your property.
    • Access equity to complete property renovations.

     

    We also have access to property profile reports to help you understand the data about the house and area of your choice. So you can make a more informed choice about your next big move.

    Eakins Finance & Insurance in Cairns is accredited with all major banks, selected other banks, and non-bank and specialist lenders and is affiliated with a range of insurers through the Steadfast group.
    We go beyond simply finding you great cashback deal options and competitive interest rates. We make it our business to ensure you get the correct terms for your home loan. So you don’t get slapped with hidden fees or costly loan terms.

    Mortgage refinancing made easy

    Applying for a new home loan or switching loans is very time-consuming. You got to choose your provider, answer their many questions, supply evidence of your financial situation, provide 100% identification and fill in long applications. It’s a very daunting task.

    We understand how stressful it is to deal with mortgage lenders and banks, so we take the burden off your shoulders. We deal with this process on your behalf so you can focus on finding the right home for your needs.

    The key benefits of our services

    • In addition to being able to access products that are not typically available to you as an individual, we also assist you with market research and happy to provide our own opinion on Cairn’s real estate market condition.
    • If you need more confidence with financial matters, we help you understand the terms of loan options available to you, including the loan conditions that may seem confusing at first.
    • Rather than needing to deal with an off-shore call center or bank staff at a branch, you will have your own dedicated personal broker from start to finish. Responsive and always within reach of a phone call.
    • As mortgage brokers, we can bypass banks’ impersonal and lengthy retail customer processes and deal directly with dedicated staff to administer your loan. Essentially, speeding up the loan approval process.

    FIRST
    HOME
    BUYER
    GUIDE

    Eakins and Finance Team

    Stay up to date with the latest mortgage rates and special offers.


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        Frequently asked questions

        Our company offers a range of home loan options to suit the diverse needs of Australian borrowers, mainly first-home buyers, and property investors. This includes standard variable-rate loans, fixed-rate loans, line of credit loans, and low-deposit loans.

        Finding a suitable loan will depend on your individual circumstances and financial goals. Our team of mortgage brokers can help assess your financial situation, explain the different loan options available in the Australian market, and recommend the best solution for you.

        In Australia, the eligibility requirements for a home loan depend on the lender and loan type. Generally, lenders will require proof of income, a good credit history, and a stable employment record. In some cases, a deposit or a co-signer may also be required. Our team can assist you in determining the specific eligibility requirements for your loan.

        Yes, it is possible to pre-qualify for a loan before you start shopping for a home in Australia. Pre-approval allows you to know how much you can borrow and gives you a better idea of your budget, making it easier to find the right property. Our team can assist you with the pre-approval process.

        The specific documents required for a home loan application in Australia can vary but typically include proof of income, tax returns, bank statements, and ID. Our team can provide you with a comprehensive list of the required documents and assist you in preparing a complete loan application.

        CAIRNS LATEST PROPERTY GROWTH BY SUBURB

        CAIRNS LATEST PROPERTY GROWTH BY SUBURB

        Find out the latest price action in the Cairns property market by suburb. Get the full list today.