Homeowners Unlock your Dreams with Queensland Capital Solutions

Regardless of whether you’re embarking on your first home-buying journey, or you are a seasoned investor looking to grow your portfolio, we have you covered.

We are dedicated to helping you succeed in securing the necessary funding to realise your property objectives.

By leveraging our experience in property and financing we stand ready to lead you through this journey. We aim to equip you with the knowledge and access to resources essential for making well-informed decisions every step of the way.

Marine Finance

Home Loans

Investment Loans

Purchasing a home is a significant financial decision, and at Queensland Capital Solutions we’re dedicated to providing you with the support and resources necessary to make informed choices. Our team will evaluate your financial circumstances, explore loan options, and guide you through the application process, ensuring a seamless and stress-free experience.

Home Loans2

We understand the unique requirements involved in financing real estate. Whether you’re interested in purchasing a residential investment property or venturing into commercial real estate our team of professionals are fully prepared to support you.

Investing in property can be highly rewarding depending on the type of investment strategy and property you invest in.

We assist clients with the following investment properties.

  • House & Land Construction
  • Dual Key and Dual Occupancy
  • Off the Plan Investment Units and Townhouses
  • NDIS & SMSF Property Investment
  • Small to Medium Developments
  • Land Subdivision

 

Learn more about Investment Finance

First Home Buyers

Buying a home is a big financial decision. Without the right knowledge, it can be tough to make the right decisions. That’s where we come in.

As your trusted finance broker, we specialise in guiding first-home buyers through the complex world of home financing. Our experienced team is here to provide you with the knowledge, support, and expertise you need to navigate the process with confidence. We’ll help you understand your options, secure the best financing, and ensure you make informed decisions every step of the way. With Queensland Capital Solutions by your side, you can turn your dream of homeownership into reality.

As a first-time homebuyer, you may be eligible for the First Home Buyers Grant. Queensland Capital Solutions can provide you with guidance on this government initiative, helping you understand the eligibility criteria and assisting you in accessing the grant.

First Home Buyers Guide

Buying your first home is an exciting milestone, yet it can also be a daunting task. Here is a step-by-step guide to assist you in navigating the process smoothly.

Assess your Finances:

Analyse your budget, income, and expenses. Are you paying too much in rent, could buying your own property work out better?

Save for a Deposit:

Set a savings goal and create a plan to accumulate enough funds for a deposit. Consider various options like government schemes or assistance programs.

Get Pre-Approved for a Mortgage:

Contact us to obtain pre-approval, which confirms your borrowing capacity. This helps you narrow down your home search within your budget.

Define your Needs & Wants:

Make a list of your requirements for a home, including location, size, amenities, and features. Prioritise these to guide your search.

Start House Hunting:

Attend open houses, view properties, and compare them against your criteria. Take notes, ask questions, and visualise yourself living in each potential home and consider its future use as an investment property when it’s time for you to upgrade.

Make an Offer:

When you find the right property, work with your agent to submit a compelling offer. Consider factors like market conditions, comparable sales, and seller motivations. At QCS we are more than happy to offer advice in structuring your offer.

Conduct Inspections & Due Diligence:

Schedule a professional home inspection as a building and Pest report is likely to uncover any issues. Review the contract documents with your conveyancing solicitor and order any relevant reports on the property.

Secure Financing:

QCS will finalise your mortgage application including any required valuations and FHOG applications with the lender.

Settlement:

Queensland Capital Solutions will go through all loan paperwork with you and assist you with finalising for loan for settlement. Once the paperwork has been checked by the lender, they will notify us and your solicitor that settlement is ready to be booked. Your solicitor will ensure settlement takes place on the due date and you’re done. Congratulations, you’re a homeowner!

Remember, this is a simplified overview, and the home-buying process can be more complex and involve additional steps depending on the circumstances. Working with professionals, such as real estate agents and mortgage brokers, can provide valuable guidance throughout the process.

Are you on the best rate?

Are you a homeowner wondering if you’re currently on the best mortgage rate for you?

At Queensland Capital Solutions, we are here to guide you through the process of home loans and refinancing, helping you make informed decisions that can save you money and improve your financial well-being.

What is Refinancing?

Refinancing is the process of replacing your existing mortgage with a new one, often with better terms, lower interest rates, or other financial benefits. Homeowners can choose to refinance for various reasons, such as.

Lower interest rates: if interest rates have dropped since you purchased your home, refinancing can secure a lower rate, reducing your monthly payments and potentially saving you thousands over the life of your loan.

Cash-Out Refinance: Need extra funds for home improvement, debt consolidation, or other expenses? A cash-out refinance allows you to tap into your home’s equity.

Shorten or lengthen Loan Term: Refinancing allows you to change the duration of your loan. You can opt for a shorter term to pay off your mortgage faster or extend the term to lower your monthly payments.

Switch to a fixed Rate: If you currently have an adjustable-rate mortgage (ARM) and want more stability in your monthly payments, you can refinance to a fixed-rate mortgage.

How Queensland Capital Solutions can help you

At Queensland Capital Solutions our mission is to enable homeowners with the knowledge and resources to make informed decisions about their mortgages. Our team of experienced financial experts are committed to helping you achieve your financial goals. Here’s how we can help you.

Personalised Consultation:  We offer a free, consultation to assess your current financial situation and discuss your financial goals. Our experts will analysis your mortgage terms, credit score and financial objectives to determine if refinancing is right for you.

Access to multiple Lenders: As an independent brokerage, we have access to a wide network of lenders and loan products. This means we can help you find the most competitive rates and terms tailored to your unique needs and financial situation.

Expert Guidance: Our team will guide you through the entire refinancing process, from paperwork to closing. We’ll answer your question, and ensure you feel confident every step of the way.

Transparency and trust: We prioritise transparency and trust in all our interactions. Our goal is to provide you with the information and options you need to make the best financial decisions for your future.

Are you ready to find out if you’re on the best rate? Don’t miss out on potential savings and financial opportunities. Contact QCS today to start your journey toward a brighter financial future.

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FAQ

How long does it take to get approval for a home loan?

Home loan approval times vary, typically taking 2-6 weeks. Factors like documentation completeness, credit history, and property valuation influence the timeline.

Can I get a home loan if I have a low credit score?

While challenging, options exist for home loans with a low credit score. Non-traditional lenders or government-backed programs may provide alternatives, though terms could be less favourable.

Can a Home Loan Broker help with refinancing my existing home loan?

Yes, a Home Loan Broker can assist in refinancing by assessing your financial situation, finding suitable lenders, and guiding you through the application process.

Do I need a pre-approval before house hunting?

While not mandatory, obtaining pre-approval before house hunting strengthens your negotiating position and demonstrates to sellers that you are a serious buyer.

How does the process of using a Home Loan Broker work?

A Home Loan Broker assesses your financial situation, recommends suitable loan options, assists with the application process, and liaises with lenders on your behalf. Their expertise streamlines the home loan process.

Talk with a QCS expert today!

QCS is your dedicated partner in achieving your financing goals on the Sunshine Coast and beyond. We understand the importance of being flexible so we give you the power to set your own appointment. Monday to Saturday from 7am to 7pm.

Contact details

Your Local Finance Broker

  • Address : Level 1 Brightwater Corporate Centre,

  • Suite 11D 69 Attenuata Drive Mountain creek QLD 4557

  • Call us : 07 545 10 298 or 0438 519 257

  • Email : finance@qldcapitalsolutions.com.au