What's the difference between a fixed and variable home loan rate?

A fixed rate locks your repayments for a set period (1-5 years), giving certainty. A variable rate moves with the market, offering flexibility and often lower long-term costs. We'll explain which is right for your goals and cash flow.

Can I refinance if I'm self-employed?

Yes. We specialise in complex income situations including self-employed borrowers, contractors, and business owners. Some lenders are far more flexible than the major banks - and we know exactly which ones.

How do I get pre-approval for a home loan?

Contact us for a free consultation. We'll assess your situation, recommend the best lenders, and submit your pre-approval application. Many clients receive conditional pre-approval within 24-48 hours.

What is an offset account and should I get one?

An offset account links to your home loan and reduces the interest calculated on your balance. If you have savings, it can save thousands in interest over the life of your loan. We'll advise whether an offset account suits your loan structure.

Can I buy an investment property on the Gold Coast with a mortgage broker?

Yes - we've helped dozens of Gold Coast investors grow their portfolios. We understand investment lending criteria, serviceability assessments, and which lenders offer the most competitive investor rates.

What documents do I need for a home loan application?

Typically: 2 recent payslips, 3 months' bank statements, 2 years' tax returns (self-employed), photo ID, and details of your assets and liabilities. We'll give you a personalised checklist after your free consultation.

Gold Coast Mortgage Broker - Sorted Mortgages & Finance

Q: Do you service Sanctuary Cove, Hope Island, and Broadbeach?

Absolutely. Sorted Mortgages is based in Sanctuary Cove and covers the entire Gold Coast, including Hope Island, Broadbeach, Coomera, Helensvale, Burleigh Heads, and surrounds.

Sorted Mortgages & Finance is a Gold Coast-based mortgage broking practice with over 25 years of combined experience in residential and commercial finance. Our team has access to 40+ lenders - from major banks to specialist financiers - and has helped more than 1,000 Gold Coast borrowers find the right home loan for their situation. We work for you, not the banks. Sorted Mortgages operates as Credit Representative 483427, authorised under Australian Credit Licence 389328. In most residential lending scenarios our brokers are paid commission by the lender rather than charging you a brokerage fee; if any borrower-paid fee applies to your situation it will be disclosed before you proceed.

Our Services

First Home Buyers - get into your first home sooner with expert guidance and low-deposit options.
Refinancing - find a better rate and unlock equity across 40+ lenders.
Investment Loans - grow your property portfolio with smart finance.
Bridging Finance - buy your next home before selling your current one.
Construction Loans - build your dream home with progress draws handled.
Self-Employed & SMSF Loans - specialised lending for business owners.
Debt Consolidation - roll debts into one manageable repayment.
Commercial Loans - finance for business premises and expansion.
Low-Doc Loans - flexible income verification solutions.

How We Work - Our 4-Step Process

Discovery - we learn about your goals, financial situation, and what you're looking for in a loan.
Strategy - we compare hundreds of loans from 40+ lenders to find the right match for you.
Approval - we handle the paperwork and negotiate with the lender to get your loan approved fast.
Settlement - we guide you through to settlement and remain your broker for life.

Frequently Asked Questions

How much can I borrow for a home loan on the Gold Coast?

Your borrowing capacity depends on your income, expenses, existing debts, and the lender's policies. At Sorted Mortgages, we run a full assessment across 40+ lenders to find the maximum loan that works for your situation.

How much does a mortgage broker cost?

Nothing - mortgage brokers in Australia are paid by the lender, not you. There are no upfront fees and no hidden charges. Our expert advice is completely free to borrowers.

How long does home loan approval take?

Conditional approval typically takes 24-48 hours. Formal approval can take 5-10 business days, depending on the lender and how quickly your documentation is submitted.

Do you service Sanctuary Cove, Hope Island, and Broadbeach?

Yes. Sorted Mortgages is based in Sanctuary Cove and covers the entire Gold Coast, including Hope Island, Broadbeach, Coomera, Helensvale, Burleigh Heads, and surrounds.

Locations We Serve

Useful Tools

Mortgage Calculators - repayment, borrowing power and stamp duty calculators.
Insights & Blog - market news, property guides and finance tips.
About Sorted Mortgages

Contact

Email: loans@sortedmortgages.com
Location: Sanctuary Cove, QLD 4212
Credit Representative 483427 is authorised under Australian Credit Licence 389328.