Your Trusted Mortgage Broker in Cairns

Buying a home in Cairns, QLD, is a dream for many Australians, and finding the right financing is crucial. As your trusted mortgage broker in Cairns, Easy Money Loans specializes in connecting first home buyers, refinancers, and investors with the best home loan solutions. We help you compare dozens of lenders (over 60+ options) for competitive rates and structure each loan for maximum savings. Our priority is making the mortgage process smooth and stress-free, handling everything from detailed income assessment to settlement coordination.

Nestled between the Great Barrier Reef and the lush Wet Tropics rainforest, Cairns is one of Queensland’s most iconic coastal cities. Known for its vibrant tropical lifestyle, tourism-driven economy, and family-friendly suburbs, Cairns has a strong and growing property market. In recent years, median house prices in Cairns have climbed rapidly – up around 10% in the past year alone – and continued demand is expected. We guide you through this competitive landscape with confidence, using local market data to inform every recommendation.

Cairns’s tropical scenery and relaxed lifestyle make it an attractive place to call home. A local mortgage broker like Easy Money Loans understands this unique market. Compared to going to a single bank branch, we have access to dozens of lenders, giving you a higher chance of securing a loan with a low interest rate. Our clients enjoy the advantage of over 60 lenders and 100+ home loan products at their fingertips. We’ll help you find the right home loan for your goals in Cairns, whether it’s your first home, an investment property, or even financing a new car.

Why Choose a Mortgage Broker in Cairns?

As a dedicated mortgage broker in Cairns, we offer several important benefits over traditional bank loans:

• More Lenders, Better Rates: We compare dozens of loans from various banks and lenders. Banks only offer their own products, but we access 60+ providers (major banks, credit unions, non-bank lenders). This means you have a much better chance of finding a great low rate or deal. In fact, our first meeting often opens the door to over 100 home loan options.
• Personalised Service: Every buyer’s situation is unique. Whether you’re a first home buyer or an experienced investor, we tailor advice to your needs. We structure your loan to fit your life – for example, we can set up split loans, offset accounts, or redraw facilities if they save you money. We also optimise for tax: investors get help with maximizing deductions, and construction loans are set up to minimise interest during building.
• Government Schemes & Grants: We help you access first-time buyer schemes (like the First Home Guarantee with 5% deposit, no LMI) and ensure you receive any Queensland grants (First Home Owner Grant, stamp duty concessions) you qualify for. Our team stays up to date on policy changes so you don’t miss new opportunities.
• Streamlined Process: We handle all the paperwork and legwork. You avoid long queues at bank branches or repetitive form-filling. Instead, we gather documents once and prepare everything correctly. That means your Cairns home loan application is complete and strong, leading to a smoother approval.
• Local Market Insight: Cairns property values and lending criteria can differ from other cities. We know the top suburbs for families or retirees, and we keep tabs on how local lenders assess Cairns applicants. For example, if certain areas have seen rapid growth, we’ll advise how that affects property valuations. Our knowledge helps avoid surprises (like needing a larger deposit than expected).
• One Point of Contact: We stay by your side through the entire home loan process. You’ll deal directly with your broker (no handoff to a processor). Many clients tell us they love speaking to the same person from first call to settlement. We’re always reachable by phone or email, day or night.
• After-Support: Our service doesn’t end at settlement. We give free annual reviews of your mortgage to ensure you still have the best deal. If better rates or loans appear on the market, we proactively let you know. This ongoing care – including reminders and tips – makes sure you never miss out on savings.
• Fast Pre-Approval: We specialise in obtaining quick mortgage pre-approvals. Getting pre-approved for a home loan in Cairns puts you in a stronger buying position (especially at auctions). Our efficient process often secures pre-approval within days, giving you clarity on your budget and credibility with sellers.
• Completely Free Service: Our mortgage broking service is free to borrowers. Lenders pay our commission, not you. This means you get expert advice and support at no extra cost. We never charge hidden fees, and we always disclose any potential costs upfront.

If you’re looking for the best mortgage broker in Cairns, Easy Money Loans offers experienced, unbiased guidance. We work for you – not a bank – meaning we have no incentive to sell you a specific product. As Cairns locals ourselves, we’re passionate about our community. Clients here appreciate our honest advice, speed, and friendly communication. With Easy Money Loans, you benefit from an independent broker who treats you like a priority.

Cairns Property Market Insights

Understanding the Cairns property market can give you an edge. Here are a few key facts about Cairns’s economy and housing market:

• Strong Growth: Cairns has seen solid property gains recently. As of mid-2025, the median house price in Cairns is around $715,000, up roughly 10% over the last year. The median unit price is also rising. This growth is fueled by increased demand and limited new supply.
• High Demand, Low Supply: The rental market is very tight. Vacancy rates remain below 1%, and rental listings receive multiple applications quickly. The median rent in Cairns is around $670 per week, about 6–7% higher than a year ago. Strong rental yields of 5% or more attract property investors.
• Population & Economy: Cairns’s population is growing again (about 1.6% per year in 2023–24), driven by migration and lifestyle moves. The local economy is robust: unemployment is low (~3.6%) and job listings are plentiful. Tourism, education, and construction are key industries, supporting demand for housing.
• Market Outlook: Research suggests Cairns remains one of Australia’s stronger regional markets. Our analysis indicates ongoing growth is likely over the next 6–12 months. However, rapid growth can mean higher prices; timing and financial planning are important.
• Local Considerations: Cairns is unique – with a tropical climate, cyclone risks, and a mix of new builds and older homes. Lenders may view certain areas differently (for instance, rural homes or properties in high-risk zones may require extra checks). As local mortgage brokers, we guide you on these nuances.
• Affordability: While Cairns prices have jumped, the city is still relatively affordable compared to some other coastal markets. This can mean more buying power for your budget. Still, careful budgeting and strong loan pre-approval remain key in this rising market.

By understanding these trends, Easy Money Loans tailors our advice to your situation. For example, if rents rise sharply, we might suggest a variable loan that you can pay down aggressively. If an area’s value is surging, we’ll account for higher stamp duty. The bottom line: we incorporate local market data into every recommendation.

Nestled between the Great Barrier Reef and the Wet Tropics rainforest, Cairns offers a unique blend of natural beauty and cultural vibrancy. With strong market pressure in both sales and rentals, Cairns has become a magnet for buyers. Easy Money Loans leverages this insight: we help you apply for a mortgage in Cairns knowing exactly which lenders can make the best offers. By collaborating with lenders familiar with Cairns’s profile, we often secure faster approvals and better rates.

Our Mortgage and Loan Services in Cairns

At Easy Money Loans, we cover the full spectrum of home finance services. Our seven core offerings are tailored to address every need:

1. First Home Buyers Loans in Cairns

We specialize in helping first-time buyers secure their first Cairns home. This service includes:

• Government Schemes Expertise: We explain and set up programs like the First Home Guarantee (5% deposit, no LMI) and the Queensland First Home Owner Grant. These can save you tens of thousands of dollars. For example, eligible buyers can avoid mortgage insurance and gain grants that drastically reduce upfront costs.
• Low-Deposit Home Loans: Many lenders allow as little as a 3–5% deposit. We find these low-deposit home loans in Cairns and prepare a strong application so you don’t pay unnecessary mortgage insurance.
• First Home Owner Grant & Stamp Duty: In Queensland, you may get up to $15,000 in grants for new builds, plus stamp duty concessions. We ensure you meet all conditions and handle the paperwork to access these savings.
• Pre-Approval and Budgeting: We walk you through the Home Loan Pre-Approval process Cairns. By securing pre-approval early, you know exactly how much you can borrow before you start house-hunting. We also help you budget accurately by including all costs (LMI, valuations, fees) in your loan calculation.
• Competitive Rates for Buyers: First home buyers deserve great rates. We target the best home loan interest rates for new buyers, comparing offers across lenders. Whenever banks have specials for first-timers, we find them.
• Client Education: We ensure you understand the loan terms (fixed vs variable, offsets, repayment options). Many first home buyers appreciate that we explain everything clearly and answer their questions (no matter how “silly” they think they are).
• End-to-End Support: From your deposit to settlement, we hold your hand. Clients often say we make approval “easy” and remove the stress from buying that first home.

First home buyers in Cairns trust us for our structured, step-by-step approach. We’ve helped people with all kinds of backgrounds—singles, couples, and even multi-generational families—get into their first homes. By leveraging government schemes and lender deals, we make it as simple as possible for you to start building equity and wealth.

2. Refinancing and Home Loan Transfers in Cairns

If you already have a mortgage, refinancing or switching providers can lower your costs and unlock equity:

• Better Rates & Terms: We continuously monitor interest rates. When a better deal emerges, we’ll show you how refinancing your home loan in Cairns can save you money. Often, even a 0.5% drop on a $400k loan saves thousands. We compare variable vs fixed vs split scenarios.
• Debt Consolidation: Refinancing is a chance to consolidate debts. You can roll high-interest credit card or personal loan balances into your home loan at a much lower rate (see Debt Consolidation below). We find the best refinance home mortgage option to achieve this.
• Equity Release: Have you built equity in your home? We can refinance your mortgage for a larger amount and release cash for renovations, education, or investment. We’ll structure the loan for any additional borrowing you need (like extra funds for a new car or holiday).
• Streamlining Loan Structure: Maybe you have multiple loans (car, personal, credit cards). We show how to restructure into one or two loans to simplify repayments. For example, if interest rates rise, a fixed loan might be right; if you need flexibility, we’ll keep some variable.
• Low-Doc & Lifestyle Changes: If your financial situation has changed (job change, self-employment, inheritance), some lenders require new applications. We guide you through the refinancing home mortgage process and check all lender requirements.
• Refinancing Pitfalls to Avoid: We analyze break costs and fees so the savings outweigh the switch. For example, some might only look at interest rate, but we also compare the total cost of moving. Our goal is a net benefit.
• Broker-Only Deals: Many lenders offer exclusive rates through brokers. By refinancing with us, you often gain access to these hidden deals.

Refinancing should be strategic. We often find clients savings on their first refinance. We stay involved so you can refinance again when needed (e.g., after a few years or if your goals change).

3. Investment Property Loans in Cairns

Cairns is attractive for property investors, and we help you secure the right finance:

• Buy-to-Let Loans: We compare loans designed for rental purchases. Key decisions: interest-only vs principal & interest repayments. Interest-only may maximize tax deductions initially, while principal repayments build equity. We explain both.
• Multiple Investments: If you already own investment properties, we assist in leveraging their equity to buy more. For instance, refinancing an existing rental to release equity for another deposit.
• Investment Construction Loans: Want to build or renovate an investment property loans? We coordinate financing for construction, and then refinance into a stable rental loan post-completion.
• High LVR Options: Investors often seek high loan-to-value ratios. We find lenders allowing up to 90–95% LVR for qualified borrowers (especially if you have strong rental history or guarantors).
• Tax Strategy: We structure loans to maximize tax benefits (like scheduling interest-only periods when needed). We also recommend lender options that simplify keeping records for tax claims.
• Market Insight: With Cairns’s yields still above 5%, we advise on whether to lock in fixed rates or keep flexibility. We also watch for lenders that accept more rental income into your serviceability.
• Local Projects: Some Cairns investors buy in developing suburbs or townhouses. We know which lenders are comfortable with project builds or off-the-plan purchases.

Whether it’s your first rental or a multi-property portfolio, we treat your investment goals as a partnership. Easy Money Loans will help you find the best investment property home loans Cairns can offer, ensuring your financing aligns with your growth plans.

4. Construction Loans in Cairns

Building a new home or undertaking a major renovation requires special attention:

• Stage-by-Stage Funding: Construction loans release funds in stages (e.g., slab, frame, lock-up). We arrange residential construction home loans in Cairns and coordinate with your builder. When each milestone is certified, we get the next payment out, so your build stays on schedule.
• Budget and Contract Review: Lenders will examine your building contract and budget. We review these early to ensure they meet lending criteria. If costs exceed typical values, we adjust loan structures or advise on smaller draws.
• Interest-Only During Build: During construction, you usually pay interest only. We clearly explain how that works and plan your budget accordingly.
• Transition to Final Loan: Once construction is done, we convert the loan into a standard mortgage (principal & interest). We handle this refinance step so you can start regular repayments without hassle.
• No Initial Deposit: Some clients use equity or bridging finance to cover initial deposits and avoid a separate construction loan. We explore options like using another property or equity loan to kickstart the project.
• Local Builder Network: We have experience with many Cairns builders. This familiarity helps speed up valuations and approvals specific to the region.

If you’re planning to build in Cairns, we make the complex process simple. We’ll explain the Home Loan Pre-Approval process for construction, ensure all builder documents are correct, and stay on top of lender requests until your keys are in hand.

5. Vehicle and Car Loans in Cairns

Easy Money Loans extends our financing expertise beyond homes to cover vehicles:

• New Car Loans: We help car buyers in Cairns secure loans with competitive rates. By comparing multiple lenders (banks and credit unions), we often find better deals than at the dealership.
• Used Car Finance: We arrange financing for pre-owned cars too. Depending on your needs, we compare secured car loans (using the vehicle as collateral) and personal loans. Our goal is the lowest interest rate and most flexible term for you.
• Bundling with Mortgage: Sometimes clients refinance their home to cover a new car purchase at a lower rate. We’ll calculate if using home equity to borrow for a car (via a redraw/offset) saves money.
• Quick Approval: Our car loan process is streamlined. We can often get pre-approval within a day, so you know your budget before heading to the dealership.
• Credit Solutions: If you have a thin credit file or a short history, we advise how to structure the loan. For example, longer loan terms can lower repayments, or a smaller loan can make approval easier.
• Simple Process: Just like with home loans, we handle the paperwork. You deal with one point of contact, not multiple bank forms.

Although mortgages are our main focus, offering car loans means our clients have one trusted partner for all their big finance needs. Whether it’s an SUV for family adventures or a practical ute, we’ll find a car loan Cairns residents can rely on.

Cairns is known for its stunning public spaces and family-friendly amenities. Working with a mortgage broker in Cairns like Easy Money Loans means more time enjoying life (like visiting the Cairns Lagoon, pictured) and less time on paperwork. We sort through loan options for you – first home, refinance, or car finance – so you can focus on what matters.

6. Debt Consolidation Loans in Cairns

If debt payments are overwhelming, consolidating them can be life-changing:

• Home Loan Consolidation: We can combine multiple debts (credit cards, personal loans) into one home loan. This is ideal if you have equity: rolling high-interest debt into your mortgage can drastically cut interest costs and streamline payments.
• Personal Loan Consolidation: If using home equity isn’t an option, we find low-interest personal loans or credit card consolidation loans in Cairns. Many banks now offer fixed loans specifically for paying off credit cards. We compare these to see which is cheaper.
• Single Monthly Payment: Consolidation simplifies budgeting. Instead of juggling several due dates, you have one manageable payment. We ensure this new loan’s rate and term are clear to you.
• Avoiding Mistakes: Consolidation is great only if you stop accumulating debt. We advise on changes needed (e.g., a budget plan). We also make sure you understand any fees (like establishment fees) and that they don’t negate the savings.
• Immediate Relief: For many, going from several high-rate payments to one loan at a lower rate brings immediate cash flow relief. We calculate the actual savings to ensure consolidation is worthwhile.

We approach debt consolidation carefully. Our role is to explain all options (debt consolidation personal loans vs refinancing) and implement the one that truly benefits you. Cairns homeowners often breathe easier once their debts are under one low-interest umbrella.

7. SMSF Home Loans in Cairns

Self-Managed Super Fund (SMSF) loans let you buy investment properties through your super. Our SMSF services include:

• Specialist SMSF Lenders: We connect clients with lenders that offer SMSF loans for residential property. SMSF loans have stricter rules, so we guide you through requirements like trust deeds, rental guarantees, and maximum loan amounts.
• Residential vs Commercial: SMSF borrowing can go toward residential rentals or commercial properties. We help structure the loan for the right asset type.
• Loan Structure: Lenders will scrutinize your SMSF’s cash flow and assets. We help set up the loan (for example, longer interest-only periods) to align with your super fund’s cash position.
• Compliance Support: We liaise with your accountant or financial advisor to ensure the borrowing fits ATO rules (like LVR limits and that the SMSF strategy is sound).
• Continued Advice: Down the line, if you add another SMSF property or refinance, we’ll manage that. We explain the impacts on your retirement planning and loan terms.

SMSF lending is one of our specialized services. By helping Cairns investors use their super to buy property, we enable long-term wealth building while keeping them compliant and informed.

How Our Home Loan Process Works

Getting a home or car loan with Easy Money Loans is straightforward. We break it into simple steps:

1. Free Consultation: We start with a chat (phone, video, or face-to-face in Cairns). We discuss your goals (buying, refinancing, investing) and review your finances. You can ask anything – we explain even the basics.
2. Document Gathering: We send you a checklist (ID, income proof, bank statements, debts). If you’re a first home buyer, this may include savings history or gift evidence. We collect everything needed to build your loan application.
3. Preliminary Assessment: We calculate your borrowing power using current lender criteria. This includes checking credit scores and verifying income/employment stability. We’ll advise if any issues (like past credit items) might need extra documentation.
4. Pre-Approval: Based on your goals, we apply for Home Loan Pre-Approval with one or more suitable lenders. Pre-approval gives a conditional loan offer (e.g. “we can lend you up to $X”) – it’s not final, but it sets your budget.
5. Loan Comparison: With pre-approval in hand, we show you a detailed loan comparison. This lists interest rates, fees, features (offset, redraw, flexibility) and special conditions. We explain choices like fixed vs variable rates so you can decide confidently.
6. Formal Application: Once you pick a loan, we lodge the formal application. We check every form to avoid mistakes (e.g. ensuring addresses match and documents are current). Our thoroughness usually means lenders have fewer questions, speeding up approval.
7. Approval & Follow-up: After application, we track the approval closely. If the lender needs more info (say, updated payslips or a revised valuation), we provide it immediately. We also negotiate any possible rate discount on your behalf.
8. Pre-Settlement Advice: When approval comes through, we review the contract with you. We highlight key terms (interest rate, offset accounts, redraw, fees) and answer any last questions. We make sure you’re happy with the loan details before settlement.
9. Settlement: We liaise with your solicitor/settlement agent (and builder or dealership if relevant) to ensure everything is ready. We confirm that funds are available for settlement day so you can move into your new home (or drive away in your car) without delay.
10. Post-Settlement Review: After your loan settles, we still keep in touch. We verify that everything went smoothly (for example, checking that any promised funding or redraw is set up). We also welcome feedback – many of our best improvements come from client suggestions.
11. Annual Loan Check-Up: Each year, we invite you to a loan review. We check the market: perhaps even lower rates or new loan types have appeared. If switching lenders could save you money, we’ll let you know. Our aim is to ensure you always have the best possible loan for your needs.

This hands-on process is why clients say working with us is “fast and easy.” We take the stress out of loans. In fact, one satisfied client told us, “We filled out the forms and did the work, [Easy Money] made it simple”. By taking care of the details, we become your partner for life – here for upgrades, new purchases, or anytime you need us.

Why Cairns Locals Trust Easy Money Loans

• Expertise & Accreditation: Our mortgage brokers hold recognized industry accreditations (MFAA Senior Accredited, etc.) and have decades of combined experience. We know the rules inside out and stay updated on any changes.
• Local Knowledge: We live in Queensland and have helped countless clients in Cairns and surrounds. We attend local property seminars and keep up with Cairns news. This means we’re familiar with suburbs like Smithfield, Trinity Beach, and Redlynch, and we understand how local developments can affect lending.
• Multicultural Team: Easy Money Loans is proud to be a multicultural business. Many of our staff, including founder Inderjeet Brar, speak Punjabi and Hindi, offering personalized service for diverse communities. In fact, many clients looking for an Indian mortgage broker in Cairns or Punjabi mortgage broker in Cairns turn to us because of our cultural understanding and languages spoken.
• Independent Advice: We are 100% independent; we work for you, not the banks. We do not push bank-owned products. Instead, our loyalty is to your interests. This independence has earned us trust – clients know our advice is unbiased.
• Fast & Friendly Service: Call or text us anytime – we respond quickly. We’ve streamlined our process to eliminate red tape. Many Cairns clients appreciate how we simplify complex terms (for example, breaking down LMI or stamp duty) and keep them informed every step.
• Proven Track Record: Our client reviews speak volumes. Many clients say we made the refinancing process so easy that they wish they did it years sooner (similar feedback to other top brokers). We have a high success rate (around 99%) in getting loans approved for qualified applicants.
• Award-Winning Recognition: Easy Money Loans has been recognized within the industry for exceptional service (we’ve won brokerage awards). However, we stay grounded: to us, the real prize is earning repeat referrals and long-term client relationships.
• No Hidden Fees: We never surprise clients with undisclosed costs. We discuss any fees (like application or valuation fees) upfront. As a free service to you, our commission comes from lenders and does not alter your loan’s interest rate.
• Technology & Accessibility: We use secure online document portals, digital signatures, and loan calculators. Whether you’re in Cairns or away on holiday, our process is fully accessible. Remote clients often tell us they felt as supported as in-person visits.

We partner with our Cairns clients to achieve their goals. Whether it’s making home ownership a reality or securing a loan for a new car, we deliver clear advice, competitive rates, and access to top lenders. For these reasons, Easy Money Loans is often viewed as one of the best mortgage brokers in Cairns, consistently delivering great outcomes for our clients. In fact, many clients say we are their local mortgage broker servicing Cairns, because we make local service our top priority.

Frequently Asked Questions (FAQs)

Q1: What is a mortgage broker?

A mortgage broker (like Easy Money Loans) is a home loan specialist who acts as your advocate. Instead of going to a single bank, we compare many lenders and loan products to find the best fit for your needs. We guide you through each step of the loan process—gathering documents, submitting applications, and explaining the details. For instance, when you come to us as a Cairns homebuyer, we assess your financial situation, advise on how much you can borrow, and then shop across lenders to find loans that match your profile. In short, we handle the heavy lifting so you can focus on finding the right home.

Q2: What do mortgage brokers do?

Mortgage brokers provide end-to-end support for your loan. This includes comparing mortgage products, advising on loan structure (fixed vs variable, offset accounts), arranging property valuations, managing the application, and coordinating settlement. When buying a home in Cairns, we walk you through all available loan options (for example, home loans, investment loans, construction loans) and explain how each affects your finances. We ensure you meet lender requirements (like preparing payslips and credit history) and represent you during negotiations. Essentially, we are your single point of contact for everything related to getting your home loan.

Q3: How much does it cost to use a mortgage broker?

For borrowers, using a mortgage broker in Cairns is generally free. Lenders pay brokers a commission for loans that settle, so you receive expert service at no extra cost. Our fee is covered by the bank, not you. This means you get personalized advice, access to many lenders, and ongoing support without paying broker fees out-of-pocket. We are fully transparent: you’ll never see a surprise broker fee in your statements. In short, you get professional home loan assistance for free.

Q4: Is it better to go with a mortgage broker or straight to a bank?

In most cases, using a broker is better if you want more options. A bank only offers its own products, but a mortgage broker in Cairns can access dozens of lenders and hundreds of loan products. This often results in better rates or more suitable features than you’d find at one bank. For example, Easy Money Loans can recommend competitive loans from banks, credit unions, or smaller lenders that a single bank branch wouldn’t show you. However, if your situation is very simple (say, you only want your own bank’s basic loan), a bank may suffice. But even then, we encourage at least getting a broker’s opinion – often, the broker finds a slightly better deal.

Q5: What are the downsides of using a mortgage broker?

There are few downsides when using a reputable broker. One factor is that brokers earn commission from lenders, so theoretically they might favor certain loans. We mitigate this by being fully independent and always recommending what’s best for you. Another consideration is time: involving a broker adds an extra step in the process. In practice, however, brokers usually speed up things by handling paperwork. The only potential “downside” is that you’ll receive lots of helpful communications – which is mostly a positive thing. Easy Money Loans aims to only give you good surprises (like lower rates), and we disclose any possible costs upfront.

Q6: How do I know if a mortgage broker is good?

Look for qualifications and client feedback. A good Cairns mortgage broker will have years of experience, positive reviews, and hold a current Australian Credit Licence. We are members of industry bodies (MFAA, etc.) and have many five-star client testimonials. You can also ask if they compare a wide panel of lenders. At Easy Money Loans, we make our lender panel (60+ lenders) clear, so you know how much choice you’ll get. Trust is key: a reputable broker will explain their process clearly and won’t pressure you into a decision.

Q7: What should I prepare before talking to a mortgage broker?

Gather documents: proof of identity (driver’s license, passport), income evidence (recent payslips or tax returns), 3–6 months of bank statements, and details of any current debts or assets. We’ll also ask about your deposit amount and any gift from family. Having these ready makes the application faster. If you already have a property in mind, bring that contract or listing info. Being organized allows us to give you accurate borrowing estimates and jump-start the pre-approval process.

Q8: Do I have to be a Cairns resident to use Easy Money Loans?

No – we help clients throughout Queensland and Australia. Our head office is in Brisbane, but many of our clients live in Cairns (and beyond). We’ve guided buyers from Darwin, Adelaide and even overseas on Cairns purchases via phone and video calls. If you have family near Brisbane, they can use our Mortgage Broker Brisbane services; for general information about us our business, see our Mortgage Broker page. No matter where you live, we bring local Cairns knowledge to the table.

Q9: Can Easy Money Loans help with government grants?

Absolutely. We specialize in Cairns First Home Buyer loans and related grants. We’ll check your eligibility for schemes like the First Home Guarantee (First Home Loan Deposit Scheme) and the Queensland First Home Owner Grant, and assist with the application. Our brokers ensure you meet all criteria, so you don’t miss out on any free money available. We make leveraging these programs easy to increase your buying power in Cairns.

Q10: How long does the loan process take?

It depends, but we strive for speed. Pre-approval can take a few days once we have all documents. After you formally apply, lenders in Australia typically take 1–3 weeks to approve a straightforward home loan. Complex loans (like construction loans or self-employed applicants) might take longer. However, Easy Money Loans shortens timelines by handling documentation fully and following up on any delays. We keep you informed at every step so you know exactly what to expect.

Q11: What if I have a unique situation (e.g., self-employed, bankrupt in the past)?

We specialize in finding solutions for complex scenarios. Self-employed borrowers can face more scrutiny, but we know lenders that are flexible if you have a strong business history. If you had credit issues or a bankruptcy, we’ll target lenders who handle that sympathetically. We’ll be upfront about any extra requirements (like larger deposits) and guide you through it. In many cases, our clients are approved even after previous rejections, thanks to the right lender match.

Q12: What if I don’t know much about mortgages at all?

No problem! We speak plain English. We’ll explain everything (interest rates, LMI, loan features) in simple terms. Many of our customers say they knew less about home loans than we assumed, and we enjoyed teaching them. There’s nothing you shouldn’t ask. At Easy Money Loans, we encourage questions and make sure you feel confident before signing anything.