Sunshine Coast Loans, Sorted by Your Local Broker
If you need a loan on the Sunshine Coast, a broker compares lenders so you don't have to. Mason Finance Group is a local brokerage based in Maroochydore, and we arrange home loans, refinancing, investment loans, car loans and business finance for clients across the region and all of Australia. We compare options from a panel of more than 60 banks and lenders, and our service is free to you for most loans because the lender pays us, not you.
Why a broker beats going straight to your bank
Your bank can only offer you its own products. That's the catch. Walk into one branch, and you see one lender's rates, one set of policies, one answer on how much you can borrow. If that lender says no, or quotes a rate that isn't great, you're back to square one.
A broker works the other way around. We're not owned by a bank, so we compare your situation against more than 60 lenders and bring you the options that actually suit you. That matters most when your situation isn't textbook, when you're self-employed, buying with a guarantor, or refinancing after a knock-back from one of the big banks. We do the legwork, you make the call.
What you get working with us
- Access to 60+ lenders: compare options you won't see by walking into a single branch.
- Local Sunshine Coast knowledge: we're based in Maroochydore, and we know the market here.
- Start-to-finish support: from your first chat through to settlement, we handle the paperwork and the lender back-and-forth.
- Free for most loans: we're paid by the lender once your loan settles, so there's no direct cost to you.
Loans we arrange
Most people come to us for a home loan, but we cover a lot more than first purchases. Here's what we help with.
Home loans
First home, next home, and everything in between. We walk you through borrowing power, loan structure and the application start to finish, and we explain the trade-offs in plain English so you can decide with confidence.
Refinancing
Switching to a more competitive deal, consolidating debt, or unlocking equity for a renovation or an investment. We check your current loan still makes sense and show you what's available across the panel.
Investment loans
Structuring finance for an investment property, including SMSF residential and commercial lending. We help you set the loan up in a way that fits your wider plan, not just the property in front of you.
Land and construction loans
Finance for building, set up so funds release at each stage of the build. We line up the progress payments with your builder's schedule so the money is there when you need it.
Car and asset finance
Vehicle loans and equipment finance for personal and business use. We compare rates and terms so you're not just taking the dealer's first offer.
What it's like to work with us
We keep the process to four steps, and we explain each one in plain English so you always know where things are up to.
- We get to know your goals
We sit down with you, in person at our Maroochydore office or online if you're further afield, and talk through your financial situation and what you're trying to do. No jargon, no script. This is usually where we work out a realistic borrowing figure. - We research and present options
We compare loans across our panel of 60+ lenders and bring back the ones that fit, with the rates, features and trade-offs laid out clearly so you can decide with confidence. - We manage the application for you
Once you've chosen, we handle the paperwork, the lodgement, and the back-and-forth with the lender right through to settlement. Getting your documents right the first time is the single biggest thing that keeps an application moving rather than stalling, and that's our job to manage. - We stay in touch after settlement
We check in with annual loan reviews and rate monitoring, so your loan keeps making sense as your circumstances change.
What you'll need to apply
Every lender is a little different, but having these ready makes the first conversation faster and the application smoother.
- Proof of income: recent payslips for employees, or two years of tax returns and financials if you're self-employed.
- Bank statements showing your savings and spending over the last few months.
- Details of any existing debts: credit cards, personal loans, car finance, HECS.
- ID and proof of residency.
- A rough idea of the deposit you've saved or the equity you're working with.
If you're missing something, don't let that stop you reaching out. Part of what we do is tell you exactly what a given lender wants and help you pull it together.
What does it cost to use Mason Finance?
For most home and personal loans, our service is free to you. We're paid a commission by the lender once your loan settles, and that doesn't change your rate or add a fee on top. For some commercial or complex lending, a fee may apply, and if it does, we tell you upfront and in writing before any work begins. You'll never get a surprise invoice from us.
Frequently Asked Questions
We’ve got your questions covered.
Do you only help people on the Sunshine Coast?
No. We're based in Maroochydore and we know the local market well, but we work with clients right across Australia. Because we can meet online and handle everything digitally, where you live doesn't limit who we can help. Plenty of our clients are local, plenty are interstate.
How much can I borrow?
It depends on your income, expenses, existing debts and the deposit you've saved. Rather than guess, we'll look at your full picture and check it against the lenders most likely to say yes, then give you a realistic borrowing figure. That's usually the first thing we work out in your initial chat.
I'm self-employed. Can you still help me get a loan?
Yes, and it's one of the situations where a broker earns their keep. Self-employed income can be tricky for a single bank to assess, but different lenders treat it differently. We know which lenders are comfortable with self-employed applicants and what documents they'll want, so we can match you to one that fits.
How long does a home loan application take?
It varies by lender and how complete your documents are, but a straightforward application often moves from submission to approval within one to two weeks. We help you get your paperwork right the first time, which is the single biggest thing that keeps an application moving rather than stalling.
What's the difference between pre-approval and a formal approval?
Pre-approval is a conditional yes based on your financial details, and it's usually valid for around three months. It tells you your borrowing capacity so you can house hunt with confidence. Formal approval comes once you've found a property and the lender has valued it and done a final check. We manage both stages for you.
How do you decide which lender suits me?
We look at your specific situation, your income type, deposit, existing debts and what you want from the loan, then check it against our panel of 60+ lenders. We weigh up rates, the features you'll actually use, and how likely each lender is to approve you. The aim is the loan that fits you, not the one that pays us most.