Business Details
22 Years
experience
Your Trusted Mortgage Brokers on the Gold Coast
Established in 2004, Ocean Home Loans has built a reputation as a trusted mortgage brokerage serving clients across Australia. Our team leverages over two decades of combined experience in the finance industry to provide tailored home loan solutions for diverse financial situations. With access to more than 600 loan products from 30+ lenders, we specialise in securing approvals for complex cases, including first-home buyers, self-employed individuals, and those with credit challenges.Our MFAA and AFCA memberships underscore our commitment to ethical standards and ongoing professional development. Through advanced comparison software and a client-centric approach, we deliver transparent advice, competitive interest rates, and fee-free services for eligible loans. Our track record of successful approvals and glowing client testimonials reflect our dedication to simplifying the mortgage process while prioritising customer satisfaction.
Services
Home Loans
Investment Loans
Construction Loans
First Home Buyer Loans
Refinance Loans
Guarantor Loans
Doctor Mortgages
Low Doc Loans
SMSF Loans
Bad Credit Loans
Details
- Year established: 2004
Highlights and features
- We have over 20 years of experience in mortgage brokering
- Our team consists of certified experts with extensive industry knowledge
- We offer access to 600+ loan products from 30+ lenders
- Our services are fee-free for NCCP-regulated loans above $200,000
- We specialise in complex cases including first-home buyers and credit challenges
Associations and certifications
- Mortgage & Finance Association of Australia (MFAA)
- Australian Financial Complaints Authority (AFCA)
What people say
Amazing service
Extremely professional
No deposit required
Expert guidance
Stress-free process
Services
Home Loans
Ocean Home Loans provides comprehensive residential mortgage solutions tailored to individual financial circumstances. With access to over 600 products from 30+ lenders, we secure competitive rates for first-home buyers, investors, and those with complex income structures. Our brokers offer fee-free services for NCCP-regulated loans above $200,000, ensuring transparent pricing and expert guidance through the entire approval process.
Investment Loans
Specialised investment loan solutions for property investors seeking portfolio growth. We connect clients with lenders offering competitive rates for residential and commercial investments, including SMSF loans. Our brokers excel at structuring tax-efficient financing arrangements while navigating complex borrowing requirements for multiple properties.
First Home Buyer Loans
Tailored support for first-time purchasers navigating their initial property purchase. We facilitate access to government grants, low-deposit options, and family guarantor schemes. Our brokers explain stamp duty exemptions and borrowing capacity calculations while comparing 100+ loan products to find optimal entry-level mortgage solutions.
Refinance Loans
Expert refinancing services to reduce interest costs or access equity. We analyse existing loan terms against current market offerings, considering break fees and settlement costs. Our brokers negotiate with lenders to secure better rates, remove LMI, or consolidate debts while ensuring seamless transition between financial institutions.
Bad Credit Loans
Custom mortgage solutions for applicants with adverse credit histories. We work with lenders accepting applications from bankrupts, defaulters, and those with unpaid judgements. Our brokers demonstrate how recent financial improvements outweigh past issues, leveraging relationships with specialist lenders to secure approvals where mainstream banks decline applications.
People
Brad Kirwan
Mortgage Broker
Experienced mortgage broker with 18+ years in the industry, specialising in complex loan structures and first-home buyer assistance. Recognised for exceptional client service and successful approvals in challenging financial situations.
Questions
What types of home loans do you offer?
We offer residential, investment, construction, first-home buyer, refinance, guarantor, doctor-specific, low-doc, SMSF, and bad credit loans through 30+ lenders.
How much deposit do I need for a first-home loan?
Minimum 5% deposit required, with family guarantor options available for 100% financing including purchase costs.
Do you charge fees for mortgage services?
No upfront fees for NCCP-regulated residential loans above $200,000. We receive commission from lenders, with transparent disclosure of any applicable charges.
Can I get a home loan with bad credit?
Yes, we specialise in bad credit mortgages for applicants with defaults, unpaid judgements, or bankruptcy history through specialist lenders.
How quickly can you process a mortgage application?
Average processing time is 2-3 weeks, with priority service available for urgent settlements using our digital documentation system.
Do you offer refinancing options?
Yes, we compare your current loan against 600+ products to find better rates, remove LMI, or consolidate debts with seamless lender transitions.
