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Eakins Finance & Insurance - logo

Cairns Mortgage broker

Melbourne Mortgage broker


Learn what you can borrow based on your personal circumstances.

With over 35 years of broker experience in Cairns, you can trust us to handle your home loan from start to final approval. 

Let us do the maths, get a free Assessment today

    Maximise your savings with our guidance in choosing the right home loan. 

    Explore a vast range of home loan options from trusted lenders. 

    Experience swift home loan processing—approval in days, not months. 

    Receive expert property market advice in Cairns from local mortgage brokers. 

    The home loan application process in 4 steps

    • Pre-Approval: Chat with our mortgage brokers about getting pre-approved. They’ll assess your loan options and how much you can borrow. 


    • Find a Property: With your pre-approval sorted, hunt for a home within your budget, make an offer, and negotiate. 


    • Get the Loan: Once your offer is accepted, we will help you submit a detailed loan application with all required documents. 


    • Settlement: After your loan is approved, you’ll attend the settlement, sign the final paperwork, pay any necessary fees, and the property is yours! 

    Key considerations

    There are several things you need to consider when getting a loan but in short these are the top 3 that make a significant difference on your overall finance. 

    • Interest Rates: Choose a competitive rate as it directly affects your monthly repayments and total loan cost.  


    • Loan Terms: Decide on a term that balances manageable repayments with total interest costs, shorter terms generally incur less total interest. 


    • Fees and Costs: Be aware of all fees—like application and service fees—to understand the full cost of the home loan. 

    Our Cairns Mortgage Broker Team

    Eakins Finance & Insurance is your top choice for home loans in Cairns. With over 35 years of combined experience in residential and commercial mortgage broking, we’re the reliable experts you can trust. 

    Led by principal Lauren Eakins, our team of licensed mortgage brokers is dedicated to providing home buyers and investors with tailored loan solutions and expert financial advice. 

    Visit our office in Cairns


    Suite 6, Ground Floor
    88 Abbott Street
    Cairns QLD 4870

    Office Hours


    8:30 - 5 pm


    8:30 - 5 pm


    8:30 - 5 pm


    8:30 - 5 pm


    8:30 - 5 pm





    Phone Number

    (07) 4034 3039

    "Lauren's advice was a catalyst for my property portfolio success."

    Omer Bernstein

    Westcourt, QLD 4870

    Reviews from our Clients



    Katelyn Walford

    1 months ago - Google

    Lauren and her team were extremely supportive through the whole process of my partner and I buying a first home no matter how difficult we made it for them (sorry). Lauren showed she cares deeply for her clients by giving updates and continuing to provide us with support even when in Europe. There is no question too silly for Lauren and her team and I cannot recommend them enough.

    Gary Jenei

    4 months ago - Google

    Our experience with Lauren and the Team was exceptional; their expertise and efficiency made our home loan application process a breeze. We highly recommend their services for anyone seeking a knowledgeable and seamless mortgage experience in Cairns.

    Courtney Wilson

    1 months ago - Google

    Lauren and her team continue to go above and beyond, making our whole purchase process streamlined and stress free. After our third property purchase through them, I couldn’t imagine ever going anywhere else.

    2023 - 2024

    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



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    Be prepared to make an offer

    Are you currently searching for a home on Realestate.com.au? 

    If you feel like you are ready to purchase a home why not get your pre-approval letter ready? 

    A pre-approval letter for your home loan last 90 days.  

    So if you are serious about purchasing a home be ready so you  don’t miss out anY opportunities. 

    Get the process started today.
    Ph: (07) 4034 3039

    Get your loan pre-approval letter now!

      Frequently asked questions

      Eligibility requirements for a home loan in Cairns include being at least 18 years old and being an Australian citizen or permanent resident. There are also other factors such as stable income, a good credit history, proof of savings for a deposit, and the ability to afford repayments. Specific requirements may vary depending on the lender and the type of loan you're applying for. 

      Yes, you can pre-qualify for a loan before you start shopping for a home in Cairns. Pre-qualification involves providing basic financial information to the lender, who then assesses your eligibility for a loan based on this information. It gives you an idea of how much you may be able to borrow, helping you set a realistic budget when house hunting. 

      The documents you'll typically need to provide when applying for a home loan include proof of identity (such as a driver's license or passport), proof of income (such as pay slips or tax returns), bank statements, details of any existing loans or debts, and information about the property you're purchasing. 

      The time it takes to get a pre-approval letter can vary depending on the lender and your individual circumstances. Generally, it can take anywhere from a few days to a couple of weeks to receive a pre-approval in Cairns, as the lender needs time to review your financial information and assess your eligibility. 

      Fixed-rate loans have a set interest rate for a specified period, providing stability in repayments, while variable-rate loans have interest rates that can fluctuate over time in line with market changes. Fixed loans offer predictability, while variable loans offer potential savings if interest rates decrease but could increase if rates rise. 

      Yes, we can provide advice regarding Government incentives available for homebuyers in Cairns. These incentives may include First Home Owner Grants, stamp duty concessions, and schemes like the First Home Loan Deposit Scheme. We can help you understand eligibility criteria and how to take advantage of these incentives. 

      Determining the best loan for your needs involves considering factors such as your financial situation, your risk tolerance, and your future plans. We can help you compare different loan options, understand their features and fees, and assess how they align with your goals and circumstances to find the most suitable option for you.



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