Your Local Gladstone
Mortgage Expert.
Access to 70+ lenders and expert local advice with $0 broker fee. We make home ownership simple for Gladstone families.
100+ Happy Gladstone Clients
Quick Quote Calculator
Estimate your potential loan repayments instantly.
Access to 70+ Leading Australian Lenders
Expert Mortgage Guidance Tailored to Gladstone.
Whether you're buying your first home or expanding your investment portfolio, our team provides personalised solutions to fit your lifestyle.
First Home Buyers
Navigate the Gladstone property market with confidence. We help first home buyers access grants, low-deposit options, and the right loan.
Learn MoreHome Loans
Find the right home loan from 70+ lenders. Expert guidance through the entire process - from pre-approval to settlement.
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Build your property portfolio with expert guidance. We help investors structure loans for growth, tax efficiency, and long-term wealth.
Learn MoreRefinancing
Could you be paying less? We review your current loan against 70+ lenders to find you a more competitive rate or better features.
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"Local knowledge meets excellence."
Coral Jacobs
With over 20 years in the financial services industry, Coral has helped hundreds of Gladstone residents secure their dream homes. Her approach combines old-fashioned service with cutting-edge market analysis.
What Our Clients Say
Real feedback from Gladstone families we've helped achieve their property dreams.
"Coral made the whole process so easy. As a FIFO worker, I thought getting a home loan would be difficult, but she understood my income situation perfectly and found a great lender."
Mark T.
Gladstone
"Couldn't recommend AJ Home Loans more highly. Coral helped us as first home buyers, explained the grants we could access, and was available whenever we had questions - even on weekends!"
Sarah & James K.
Tannum Sands
"Saved us thousands by refinancing our home loan. Coral compared our rate against so many lenders and found us a much better deal. The whole process was stress-free."
Michelle R.
Boyne Island
Frequently Asked Questions
Get answers to the most common questions about working with a mortgage broker.
Does using a mortgage broker cost me money?
In most cases, our service is completely free to you. We're paid a commission by the lender when your loan settles. If any fees ever apply, we'll tell you upfront before you commit to anything.
Why should I use a mortgage broker instead of going directly to a bank?
A bank can only offer their own products. As a mortgage broker, we compare loans from 70+ lenders to find the best fit for your situation. We also handle the paperwork, negotiate on your behalf, and provide ongoing support - all at no cost to you.
How long does it take to get a home loan approved?
Typically 2-4 weeks from application to approval, though this can vary depending on your situation and the lender. We'll give you a realistic timeline based on your circumstances and keep you updated throughout the process.
What documents do I need to apply for a home loan?
Generally, you'll need photo ID, recent payslips or income evidence, 6 months of bank statements, recent tax returns (especially for self-employed), employment contracts, and details of existing debts. We'll provide a complete checklist based on your situation.
Can FIFO and shift workers get home loans?
Absolutely! As a Gladstone local, we understand FIFO, mining, and LNG employment. We know which lenders are comfortable with shift work income, overtime, and allowances, and how to present your application for the best outcome.
What grants are available for first home buyers in Queensland?
Queensland offers the First Home Owner Grant (up to $30,000 for new homes in regional areas like Gladstone), stamp duty concessions, and access to programs like the First Home Guarantee scheme. We'll help you understand what you qualify for.
Mortgage Broker Services Across Gladstone
We serve homebuyers and investors throughout the Gladstone region and Central Queensland.
Ready to start your home
loan journey?
Take the first step today with a zero-obligation consultation. We'll compare 70+ lenders to find your perfect fit.