We don’t charge fees for our mortgage broking service. We’re paid a commission by the lender you choose once your loan reaches settlement. 

We’re the person between you and the lender, negotiating with banks, credit unions and other credit providers to arrange the right loan for your circumstances. We know the specific requirements and credit appetite of different lenders, which gives you the best chance of approval. We assess your financial situation, find a suitable loan, manage the application process, and provide advice at every step. 

Because we work for you, not the bank. We take the time to understand your goals, compare hundreds of loan options across our lender panel, and recommend a solution that actually fits. You get one dedicated point of contact who handles the paperwork, chases the lender, and stays with you long after settlement. 

Yes. QMP Financial operates under an Australian Credit Licence and is a member of the industry body FBAA. 

We arrange home loans for owner-occupiers and investors, refinancing, construction loans, first home buyer lending, commercial and business finance, SMSF loans, and asset finance such as car and equipment loans. If it involves borrowing, chances are we can help. 

Easy! Give us a call, send us an email, or fill in the enquiry form on our website. We’ll be in touch the same day to book a time that suits you. 

You don’t need a big salary to invest. If you are buying to invest, lenders will take rental income as well as your own income into their assessment. If you already own your own home and have some equity in it, you may be able to use this as a deposit, meaning that you can buy an investment property without having to find any additional cash. If you don’t own your own home and feel you may never be able to afford one, buying an investment property may be a good stepping stone to one day being able to afford your own home.

Our operations are based in Brisbane and the Gold Coast, however we’re able to service clients right across Australia and Australians living overseas. 

Not at all. We work with plenty of clients we’ve never met face-to-face. Phone, Zoom or Teams meetings works just as well. Of course, if you’d prefer to meet in person, we’re always happy to. 

We have access to a wide panel of over 40 lenders, including the big four banks, second-tier lenders, credit unions and specialist providers, giving us hundreds of products to suit the needs of our clients.  

If you’re not sure whether your current bank is providing you with the best home loan option, give us a call before you sign anything. We’ll assess their offer and let you know if there’s anything better available from other lenders. 

Depending on the lender you choose, in some cases we can get pre-approval within 24 hours. Many lenders have auto-approval systems that enable us to turn pre-approvals around very quickly. As a rule, we recommend allowing up to five business days to ensure you have time to provide all the documentation we’ll need to submit the application. 

Whilst it’s not ideal to exchange contracts before getting finance approved, we know some properties are hard to resist. In those cases, we’re able to prioritise and escalate your application through the lender. We have strong relationships with our lender panel, which helps us secure urgent approvals when you need them. 

• Stamp Duty — This is the big one. All other costs are relatively small by comparison. Stamp duty rates vary between state and territory governments and also depend on the value of the property you buy. You may also have to pay stamp duty on the mortgage itself. To find out your total Stamp Duty charge, visit our Stamp Duty Calculator.
• Legal/conveyancing fees — Generally around $1,000 – $1500, these fees cover all the legal rigour around your property purchase, including title searches.
• Building inspection — This should be carried out by a qualified expert, such as a structural engineer, before you purchase the property. Your Contract of Sale should be subject to the building inspection, so if there are any structural problems you have the option to withdraw from the purchase without any significant financial penalties. A building inspection and report can cost up to $1,000, depending on the size of the property. Your conveyancer will usually arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
• Pest inspection — Also to be carried out before purchase to ensure the property is free of problems, such as white ants. Your Contract of Sale should be subject to the pest inspection, so if any unwanted crawlies are found you may have the option to withdraw from the purchase without any significant financial penalties. Allow up to $500 depending on the size of the property. Your real estate agent or conveyancer may arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
• Lender costs — Most lenders charge establishment fees to help cover the costs of their own valuation as well as administration fees. We will let you know what your lender charges but allow about $600 to $800.
• Moving costs — Don’t forget to factor in the cost of a removalist if you plan on using one.
• Mortgage Insurance costs — If you borrow more than 80% of the purchase price of the property, you’ll also need to pay Lender Mortgage Insurance. You may also choose to take out Mortgage Protection Insurance. If you buy a strata title, regular strata fees are payable.
• Ongoing costs — You will need to include council and water rates along with regular loan repayments. It is important to also take out building insurance and contents insurance. Your lender will probably require a minimum sum insured for the building to cover the loan, but make sure you actually take out enough building insurance to cover what it would cost if you had to rebuild. Likewise, make sure you have enough contents cover should you need to replace everything if the worst happens. and contents insurance. Your lender will probably require a minimum sum insured for the building to cover the loan.

As a general guide, most lenders want to see at least 5–10% of the purchase price in genuine savings, plus enough to cover costs such as stamp duty and legal fees. If your deposit is under 20% you’ll usually pay Lenders Mortgage Insurance (LMI), though there are ways to avoid it — including family guarantor arrangements and first home buyer schemes. 

Absolutely. Refinancing is one of the most common reasons clients come to us. We’ll review your current loan, compare it against other options in the market, and let you know whether there’s a genuine benefit to moving. If you’re already on a competitive deal, we’ll tell you that too. 

Lenders Mortgage Insurance (LMI) protects the lender, not you, if you’re unable to repay your loan. It’s typically required when your deposit is less than 20% of the property value. There are ways to reduce or avoid LMI altogether, including family guarantor arrangements, professional waivers and government first home buyer schemes. We’ll walk you through the numbers so you can decide whether paying LMI and buying sooner makes more sense than waiting to save a larger deposit. 

Yes. Self-employed lending is an area we know well. Different lenders take different views on self-employed income. Some want two years of tax returns, others will accept one; some allow add-backs for depreciation, interest and one-off expenses. We’ll match you with a lender whose policy best fits the way your business is structured, and work with your accountant if needed. 

It depends on your priorities. Fixed rates give you certainty over repayments for a set period, which is useful if you’re budgeting tightly or expect rates to rise. Variable rates usually offer more flexibility; extra repayments, offset accounts and redraw, and you benefit if rates fall. Many clients choose a split loan to get the best of both. We’ll talk through the trade-offs so you can make a confident choice.