Buying a home on the Sunshine Coast is a major milestone, and having the right home loan can make all the difference.
At Fundli, we help Sunshine Coast locals secure home loans that suit their lifestyle, financial goals, and long-term plans. Whether you’re purchasing your first home, upgrading, or refinancing, we provide clear advice, tailored loan options, and support right through to settlement.
The Sunshine Coast property market is unique. From coastal apartments to family homes and hinterland builds, lending requirements can vary significantly depending on location, property type, and lender policies.
As a locally based mortgage broker in Mooloolaba, Fundli understands:
We work on your behalf, dealing directly with lenders so you don’t have to.
There’s no one-size-fits-all home loan. Your loan should reflect where you’re at now and where you’re heading next.
We help Sunshine Coast buyers with:
Our role is to match you with a home loan that works for you, not the other way around.
Choosing the right mortgage broker matters just as much as choosing the right loan.
With Fundli, you can expect:
We’re here to make finance easier to understand and easier to manage.
If you’re looking for a Sunshine Coast mortgage broker who takes the time to understand your situation, Fundli is here to help.
Book a call or get in touch to discuss your home loan options and take the next step toward securing your home on the Sunshine Coast.
During our first meeting, we discuss your financial objectives within the framework of your family or business. Subsequently, we conduct a comprehensive analysis of your current financial status, encompassing income, assets, and liabilities, to better assess your borrowing capacity.
We explore the most competitive and appropriate lenders tailored to your unique situation, presenting you with a personalised solution. We discuss the rationale behind our strategy and outline the subsequent steps to implement the plan.
Upon choosing a lender, we gather your necessary documents and manage the entire application process, from initial submission to final settlement. Our goal is to simplify this process as much as possible, alleviating any burden from your shoulders.
As your circumstances evolve, your loan might need to adapt too. As part of our continued support, we regularly monitor your loan and conduct an annual review. If we identify an opportunity to secure a better rate for you, rest assured, we’ll reach out.
Most lenders don't want to offer traditional loans to those wanting to build their own property, for this, they will offer a construction loan.Fundli’s brokers will guide you to the right loan.
A construction loan is a type of home loan designed specifically for borrowers who are building or renovating a property, rather than purchasing an existing one. Typically, these loans have shorter terms and offer interest-only payments during the construction phase, transitioning to a standard mortgage once the build is complete.
These loans provide funds to pay your licensed builder in stages, aligning with the completion of specific parts of your renovation. These payments, known as ‘progressive drawdowns’ or ‘progress payments,’ are released as your construction project advances, rather than in a single lump sum. As each stage of work is completed, you receive an installment of the loan, ensuring that you have the financial support needed as the build progresses.
Absolutely. Many first home buyers on the Sunshine Coast choose to build rather than buy established. At Fundli, we help you access first home buyer benefits and structure construction loans with deposits as low as 5% (subject to lender approval and Lenders Mortgage Insurance). We'll guide you through the entire process from land purchase to practical completion.
A standard home loan provides the full amount upfront to purchase an existing property. A construction loan releases funds progressively as your build reaches key stages (base, frame, lock-up, fixing, completion). You only pay interest on the amount drawn down at each stage, which can save you money during the build. Once construction is complete, the loan typically converts to a standard home loan.
Approval timeframes vary by lender, but typically take 5-10 business days once we submit a complete application with your building contract, plans, and financial documents. At Fundli, we pre-qualify your application and work with lenders who understand construction finance, which speeds up the process considerably.
Yes. Construction loans aren't just for new builds, they're also ideal for major renovations, extensions, or knock-down rebuilds. If you're looking to refinance and access equity for renovations, we can structure that too.
Not necessarily. We can arrange land and construction packages that finance both the land purchase and the build in one loan. This is common for buyers purchasing house-and-land packages or vacant blocks on the Sunshine Coast.
