Home Loans
caloundra, sunshine coast QLD
Home Loans, Refinance, Investment Loans and much more…All lending solutions
Home Loans and Lending Solutions Sunshine Coast
Your Local Experts in Home Loans and Mortgage Solutions
At KA Lending Solutions, we specialise in helping locals and newcomers buy a home in Caloundra and across the Sunshine Coast with confidence. Whether you’re a first-time buyer, upgrading to your dream home, or refinancing for a better deal, our role is to provide the best home loan options Sunshine Coast-wide — tailored to your goals and lifestyle.
With access to a wide panel of banks, non-bank lenders, and boutique finance providers, we offer competitive interest rates, expert loan structuring, and personalised support from application to settlement.
Our Home Loan Services Include:
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First Home Buyer Loans
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Refinancing & Loan Restructuring
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Owner-Occupier and Investment Home Loans
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Guarantor Loans
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Low Deposit Loans & Deposit Bond Finance
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Variable, Fixed, Split & Interest-Only Loan Options
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Offset Accounts & Redraw Facilities
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Self-Employed and Contractor Lending
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Bridging Loans for Home Transitions
With a deep understanding of local property markets, income types, and borrowing structures, we’re the mortgage broker Sunshine Coast residents trust for smart, flexible lending.
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Home Loans
Features Caloundra, Sunshine Coast
There are several types of home loans available to borrowers, each designed to meet different needs and financial situations. Here are some common types:
Home Equity Loans
At KA Lending Solutions, we provide trusted finance solutions across the Sunshine Coast with expert support and access to over 40 lenders. We understand that everyone’s situation is different, which is why we create custom lending solutions in QLD that align with your unique goals—whether it’s homeownership, renovation, or business expansion.
Refinancing Loans
Unlock the potential of your property with our expert home equity solutions in Caloundra and across the Sunshine Coast. Whether you’re planning renovations, consolidating debt, or investing in your future, we help you access your home’s built-up value with confidence. Our personalised guidance and flexible equity loan options make it easier to take the next step in your financial journey.
Split-Rate Home Loan
Debt Consolidation Loans
Ready to reduce your repayments, access better features, or unlock equity? Our refinancing loans in Sunshine Coast are designed to help you take control of your mortgage and make your money work harder. Whether you want to refinance your mortgage in Caloundra for a better rate, consolidate debt, or fund renovations, we provide expert support every step of the way.
Renovations Loans
Struggling with multiple debts like credit cards, personal loans, or medical bills? KA Lending Solutions offers tailored debt consolidation loans in Sunshine Coast to help you simplify your finances. By rolling your debts into a single, lower-interest repayment, you can reduce financial stress, improve cash flow, and regain control of your budget.
Construction Loan
Expert Construction Loans
Looking to renovate? KA Lending Solutions offers expert renovation loans in Caloundra and the Sunshine Coast. From small updates to major upgrades, we help you access flexible finance options to boost your home’s value and comfort—without the stress.
Start your project with confidence, backed by local lending experts who understand your goals.
Guarantor Loan
Reverse Mortgage
Self Employed Loans
Being your own boss shouldn’t hold you back from home ownership. Our loans for sole traders in Caloundra offer flexible documentation, expert support, and access to lenders who understand self-employed incomes. Whether you’re in your first year or have decades of trading history, we’ll tailor the right finance solution to suit your goals.
First Home Owners Loans
As a first-time buyer, the process can feel overwhelming—but it doesn’t have to be. Our tailored first home buyer loans in Sunshine Coast are built with you in mind. From low-deposit options to expert support navigating grants and schemes, we help you step confidently into homeownership.
Guarantor Loans
Ready to help your kids buy a home in Caloundra or the Sunshine Coast? Our team specialises in guarantor home loans Sunshine Coast families rely on. With expert advice and access to flexible loan structures, we make it possible to support your children into their first home—without handing over cash or risking your own home’s future.
Investment loans
We specialise in investment home loans on the Sunshine Coast that help you grow your rental income and capital gains. From using equity to accessing lender policies designed for investors, we’ll find the best fit to help you achieve your financial goals. As your local investment mortgage broker QLD, we’re with you at every stage of your investment journey.
Self Managed Super Fund Loans
If you’re considering investing in property with your super, we make it simple. Our expertise in self-managed super fund lending in Caloundra helps you understand your borrowing capacity, lender criteria, and ensure your fund meets compliance. Start your journey toward financial freedom with a local expert in SMSF investment finance Sunshine Coast.
Property Develpment Loan
Looking to turn land into opportunity? Our property development finance options in Caloundra are designed for builders and developers ready to create value. From single dwellings to medium-density residential builds, we offer access to competitive development loans across the Sunshine Coast. Let us help you structure the finance, manage risk, and bring your vision to life.
Bridging Loans
Don’t miss out on your dream property while waiting to sell. Our bridging finance options in Caloundra and the Sunshine Coast provide short-term funding that bridges the gap between buying and selling. With expert guidance, fast approvals, and flexible repayment plans, we help you transition between homes with ease and confidence.
Reverse Mortgage
Enjoy retirement your way. With access to senior home loans in Caloundra and reverse mortgage solutions across the Sunshine Coast, we help you make the most of your financial freedom. Whether it’s travel, renovations, aged care, or simply peace of mind—our equity release for seniors in Caloundra gives you flexible choices without selling your home.
Commerical Finance Solutions
We offer expert commercial finance solutions tailored to businesses across the Sunshine Coast and beyond. Whether you’re purchasing commercial property, expanding operations, or investing in business equipment, our team helps you secure competitive commercial loans in QLD with flexible terms and fast approvals.
There are several types of home loans available to borrowers, each designed to meet different needs and financial situations. Here are some common types:
What’s Included in Home Loan Packages (Professional Packages)
Common Home Loan Features
These features can usually be selected or added depending on the type of loan and the lender:
Fixed Interest Rates
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Interest rate is locked in for 1–5 years
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Repayments stay the same = predictable budgeting
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Often limits extra repayments (e.g. up to $10k/year)
Variable Interest Rates
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Interest rate can rise or fall with the market
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Flexible with unlimited extra repayments
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Usually includes features like offset, redraw
Split Loan Options
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Split between fixed and variable portions
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Combines stability and flexibility
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Great for clients unsure about rate changes
Offset Account
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A savings or transaction account linked to your home loan
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Reduces interest payable on your loan
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100% offset preferred (full balance offsets interest)
Redraw Facility
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Access any extra repayments you’ve made
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Helpful for emergencies or funding renovations
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May have limits or fees on redraws
Interest-Only Repayments
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Pay interest only for a set period (e.g., 1–5 years)
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Lower repayments upfront (common for investors)
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Not reducing the loan principal during this period
Principal & Interest Repayments
- Standard repayment structure
- Reduces the loan balance over time
- Typically lower overall interest paid
Flexible Repayment Options
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Choose from weekly, fortnightly, or monthly
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Helps align repayments with income cycles
Loan Portability
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Transfer your loan to a new property without closing the loan
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Avoid break fees and simplify the moving process
Top-Up Facility
- Increase your loan amount after approval
- Access equity for renovations, car purchase, etc.
Rate Lock
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Lock in your fixed rate at application
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Protects against rate hikes before settlement (usually has a fee)
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Secure a fixed rate before settlement for a fee.
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Useful in a rising rate environment.
Guarantor Support
- Family member helps secure the loan with their home equity
- Can eliminate LMI and reduce deposit requirements
Lenders Mortgage Insurance (LMI) Waivers
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Some professions (doctors, lawyers, accountants, etc.) may qualify for LMI-free borrowing up to 90–95%
Cashback Offers
- Some lenders offer cashback incentives for refinancing or new loans.
Online Account Access & Mobile App
- Manage your home loan and track repayments online or via app.
Green/Environmental Loan Features
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Discounts or incentives for energy-efficient homes or upgrades.
Basic home loans offer a low-cost, no-frills option for first home buyers or owner-occupiers seeking a simple mortgage solution. Ideal for those purchasing a primary residence, these loans typically come with lower interest rates and fewer features. However, it’s essential to compare home loan options and assess your financial goals to ensure it’s the right fit.
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FAQ
Frequently Asked Questions
A home loan interest rate is the percentage that a lender charges on the principal (the amount borrowed) for using their money.
It determines how much interest you will pay over the life of your loan.
Interest rates can be fixed (remain the same for a set period or the loan term) or variable (fluctuate with market conditions).
The rate depends on various factors, including the central bank’s policy, lender’s risk assessment, your credit score, loan-to-value ratio, and current market conditions.
So my job is to help you find the best loan option for you for your situation.
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Home loan interest is usually calculated on a daily reducing balance basis. This means interest is charged on the remaining loan balance at the end of each day. As you make repayments, the principal reduces, and the interest is recalculated on the lower balance.
Formula for calculating daily interest:
For example, if your annual interest rate is 4% and your outstanding loan balance is $400,000, your daily interest would be:
Daily Interest=(4100)÷365×400,000=approx.
$43.84/day
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A home loan (or mortgage) is a loan you take from a bank or lender to purchase a property. Here’s how it works:
- You borrow a lump sum from the lender to buy a home, which you repay with interest over an agreed period, typically 15 to 30 years.
- The lender holds a lien on your property, which means they can take ownership if you fail to meet your repayment obligations.
- Each repayment is split into two parts: interest and principal. Early in the loan term, most of your repayment goes toward interest, while over time, more goes toward reducing the principal.
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To determine if you’re eligible for a home loan, lenders typically assess several factors:
- Income and Employment Stability: You need a stable and sufficient income to meet the repayment requirements.
- Credit Score: A high credit score increases your chances of approval and helps you secure better interest rates.
- Debt-to-Income Ratio (DTI): Lenders look at how much debt you have relative to your income. A lower DTI ratio (usually below 43%) is preferable.
- Loan-to-Value Ratio (LVR): This is the ratio of the loan amount to the value of the property. Lenders generally prefer an LVR below 80%.
- Deposit: Most lenders require a deposit, typically between 10-20% of the property value.
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When applying for a home loan, you will need the following documents:
- Proof of Identity: Passport, driver’s license, or national ID card.
- Proof of Income: Payslips for the last 3-6 months, employment contract, or bank statements showing salary deposits.
- Tax Returns: For self-employed borrowers or those with additional income sources.
- Bank Statements: Recent statements showing your savings and financial position.
- Credit Report: Your credit score and history, which the lender will often pull themselves.
- Proof of Assets: Documentation for any other assets you own, such as investments or properties.
- Property Details: If you’ve found a property, you’ll need the sale contract or property appraisal.
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The home loan application process typically involves the following steps:
- Research and Compare: Look for suitable lenders and compare interest rates, fees, and loan features.
- Pre-Approval: Apply for pre-approval, which gives you a rough idea of how much you can borrow. This doesn’t guarantee the loan but indicates your eligibility.
- Submit Application: Provide the necessary documents, including proof of income, identification, and details about the property.
- Loan Assessment: The lender assesses your creditworthiness and financial situation, including your income, credit score, and other financial obligations.
- Property Valuation: The lender may require a valuation of the property you intend to buy to ensure its worth matches the loan amount.
- Final Approval: If all requirements are met, the lender gives formal approval.
- Loan Agreement: Once approved, you sign the loan agreement, outlining terms, interest rates, and repayment schedule.
- Settlement: The loan is disbursed, and settlement on the property is completed.
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The time it takes for a home loan to be approved can vary depending on the lender and your financial situation. Generally, the process can take anywhere from 3 to 10 business days for initial approval if you have all the necessary documents ready.
- Pre-approval: 1-3 days.
- Formal Approval: 5-10 business days, or longer if complications arise (such as issues with property valuation or missing documentation).
Keep in mind, during peak property seasons or if your financial situation is complex, approval times may extend beyond these estimates.
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