Mortgage Broker Queensland - The Home Loan Guru

Hello I’m Gerhard Moser, your local mortgage broker. With our expert knowledge of the area, I’m here to make your finance and home loan options easier. Whether you’re buying, refinancing or investing, I’ll help you compare your options and find a loan that suits your goals.

Principal broker
Phone: 0402 434 875
Email: gerhard@homeloanguru.com.au

What The Home Loan Guru knows about Queensland property right now

Buyers in Queensland can gain clarity on both the local housing market and their borrowing options through personalised guidance. Assistance ranges from estimating borrowing capacity and arranging pre-approval to comparing loan structures and lender terms so prospective purchasers make better informed financing decisions.

Property market insights for Queensland

The following provides an overview of property growth in Queensland supported by additional market data.

Price trend for house sales

$ 01 , 000300 , 000000

Past 12 months:

12%

DATA INSIGHTS

If you bought a house in
Queensland you may have gained

$ 030800 , 000000

Gross yield 3.4%

Time on market21 days

Past 12 months:

5.5%

Weekly rent $670

Growth in houses

House prices in Queensland have increased by around 52% over the past five years. This significant growth reflects the state's appeal to interstate buyers and families relocating for lifestyle and affordability, though it has also stretched borrowing requirements considerably. The continued demand for housing across both the southeast corner and regional centres suggests sustained interest for those looking to enter the market.

2026$842,000 to $1,139,000

2025$812,000 to $1,098,000

2024$689,000 to $932,000

2023$587,000 to $794,000

2022$553,000 to $748,000

Growth in units

Unit prices in Queensland have seen a rise of approximately 67% over the past five years, outpacing house price growth. This reflects buyers turning to units as a more accessible entry point as house prices climbed beyond reach in many markets. The strength of this trend suggests units will remain a competitive segment for first-home buyers and investors alike.

2026$695,000 to $940,000

2025$663,000 to $897,000

2024$548,000 to $742,000

2023$451,000 to $610,000

2022$417,000 to $564,000

Purchasing property in Queensland

Queensland’s residential areas here are defined by established streets, familiar faces and strong neighbourly connections. Residents often know the local shopkeepers, use nearby parks and attend community events, which creates a sense of continuity and belonging that supports long-term living. This character appeals to buyers seeking a settled lifestyle with everyday conveniences close at hand, combining accessible transport links, everyday retail and green spaces that suit families, professionals and downsizers alike.

Purchasing in a neighbourhood like this benefits from lender guidance that understands local buying patterns and settlement practicalities. A broker with on-the-ground knowledge can assess borrowing capacity, compare loan structures across lenders and explain how different products will affect repayments and equity, helping buyers proceed with clarity and confidence backed by practical local insight.

Want to find out how much you could borrow to buy property in Queensland?

Curious how much you could borrow to buy in Queensland? Use a simple assessment to estimate borrowing power from income, savings and commitments. A broker can indicate likely loan sizes and advise if pre-approval is worth seeking before you make offers.

Why choose The Home Loan Guru in Queensland, QLD

As your Queensland mortgage partner, The Home Loan Guru focuses on practical benefits for borrowers rather than jargon. Working directly with lenders and handling paperwork reduces uncertainty at approval and settlement.

Guidance on lender selection

Our process starts with a clear comparison of loan options across a wide lender panel to find structures that fit a client’s goals and cash flow.

Practical support through settlement

After lodgement we stay actively involved, handling lender follow-ups, document queries and coordination through to settlement.

Clarifying borrowing and strategy

We explain how loan structures affect borrowing capacity and long‑term goals, then compare lenders to find the best approach.

Benefits of living in Queensland

Discover the area

Lifestyle and living

Queensland presents a varied suburban lifestyle that balances relaxed coastal living with everyday convenience. Residents often enjoy nearby parklands, local shopping strips and café precincts, while established streets and green reserves provide space for outdoor recreation. Public transport access through local bus routes and nearby Cleveland line stations supports commuting across Brisbane’s inner suburbs without sacrificing a quieter neighbourhood feel.

Daily life in Queensland suits families, professionals and retirees who favour a low-key atmosphere with practical amenities close at hand. Schools, community facilities and medical services are readily reachable, and a selection of cafes, small retailers and supermarkets meet most weekly needs. The area’s mix of single-family homes and smaller residential lots creates options for buyers seeking renovation potential, garden space or a compact, easy-care property.

Demographics

Queensland communities include families with children, single-person households, couples without dependants and multi-generational homes. Suburbs mix owner-occupiers and renters, with detached houses, townhouses and units meeting varied housing needs. Residents include early-career professionals, tradespeople, established families and retirees. Workforce participation covers public and private sectors, health, education and services, producing diverse local employment profiles. Household makeup differs by suburb: family-focused areas sit beside zones with more single adults and downsizers, supporting varied tenures and community services.

Population 5,712,124

Owner Renter

65%35%

We offer comprehensive support for all your home loan and finance needs across a range of services. No matter who you are, our experienced team is committed to finding the right options tailored to your unique situation.

Home loans

The right loan structure can make a huge difference over the life of the mortgage. With access to a wide panel of lenders, we'll help you compare and choose a home loan that suits your needs.

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First home buyers

Choosing a home is a crucial decision but securing the right mortgage is just as important. With access to over 50 lenders, our team can help you get a great deal or find the right lender for your first home.

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Refinance

As a mortgage broker, we offer clients competitive rates and access to a wide range of products on the market. You may be costing yourself thousands of dollars a year by not refinancing, so get in touch today.

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Investing

Many Australians are looking to get ahead by investing in real estate. With a range of products and lenders to choose from, now is an ideal time to strategically expand your investment property portfolio.

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Pre approval

Pre-approval helps you understand what you can borrow before you start making offers. We’ll guide you through the process, prepare your application and work with the lender to secure an approval.

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Personal loans

If you’re consolidating debt, covering a big expense, renovating or planning a major purchase, a personal loan can help you spread the cost into manageable repayments with a predictable schedule.

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Commercial loans

Commercial lending is rarely one-size-fits-all - the right option depends on your business structure, cash flow, financials and the specific asset you’re funding, so getting the loan set up properly is critical.

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Construction loans

Building comes with a different lending process, including progress payments at each stage. We can help you organise approvals and coordinate with your lender so the funding keeps pace.

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Business lending

Access to finance can help you manage cash flow, expand operations or take on new opportunities. We’ll assess your needs and recommend business lending options that align with the way your business operates.

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Vehicle finance

Whether it’s a personal car or a vehicle for your business, the right finance can help you secure a competitive rate, reduce the total cost over time and keep repayments manageable.

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Asset finance

Asset finance can help you purchase the equipment you need without tying up cash flow, from machinery and tech to tools and fitouts. We can help you choose a structure that makes sense for your business.

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Reverse mortgage options

Reverse mortgages let eligible homeowners tap into their property equity to provide cash flow without immediate loan repayments. These products can support living costs, health care expenses or lifestyle needs.

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Get in touch with our team by completing an online form or by emailing us today.

A member of our team will send you the relevant onboarding and fact finder forms, and help you complete them.

We review the forms then provide you with borrowing capacity and lender options to select from.

Gerhard Moser

Principal broker

Phone: 0402 434 875
Email: gerhard@homeloanguru.com.au

Gerhard brings decades of finance experience, beginning with a banking apprenticeship in Switzerland and practising in Australia since 1986. He arrived as a senior foreign exchange dealer and progressed through senior roles at NAB and Westpac before establishing independent practice to assist former bank clients in disputes about misleading conduct. His qualifications include diplomas in Corporate Management, Finance and Mortgage Broking Management and Financial Services (Financial Planning). Media appearances on Four Corners and Business Sunday reflect his advocacy for individual clients. Deep lender knowledge, negotiation skill, regulatory awareness and offshore sailing experience, supported by a commercial skipper’s licence, inform his calm, focused approach when working directly with clients at The Home Loan Guru.

PoomPim Moser

Mortgage Broker

Phone: 0435 241 975
Email: poompim@homeloanguru.com.au

PoomPim took a deliberate career turn after arriving from Bangkok, moving from an Electronics degree into mortgage broking and completing Certificate IV in Mortgage Broking. She was the only student to score 100% on her aggregator exam, a result that reflects her diligence and technical grasp. Fluent in Thai, PoomPim explains the steps of buying a home and borrowing in Australia in plain language, guiding clients through complex processes with patience, clarity and cultural sensitivity at The Home Loan Guru.