Mortgage Broker Kelso

Researching Kelso Home Loans? Our local experts can help.

Our local Kelso mortgage brokers can help you secure your next home loan, investment loan or refinancing.

Connect with our brokers
palmed line street on Gold Coast suburb

Top 7 Most Expensive Suburbs on the Gold Coast in 2025

July 21, 2025
Explore the top 7 most expensive Gold Coast suburbs ranked by price, lifestyle, and demand. Get expert loan support from trusted Gold Coast mortgage brokers.
overview of an inside of an apartment

What Is Rental Yield? A Beginner’s Guide to Property Profits

July 21, 2025
Discover what rental yield is, how to calculate it, and why it matters for property investors. Learn how Gold Coast brokers can help you maximise rental returns.
overview of Gold Coast beach: Gold Coast brokers help investors with investment loans.

Your 2025 Guide to Investment Loans on the Gold Coast

July 9, 2025
Queensland’s property market is riding a wave of robust growth, with rising prices, a steady influx of population, and solid rental demand reshaping the landscape. Nowhere is this more evident than on the Gold Coast, where beachfront living and tourism-driven tenancy pull have driven both house values and vacancy rates to record levels. Investment loans provide property investors with a tailored financing solution that aligns their borrowing capacity with market opportunities. They also come with flexible repayment options and competitive interest rates designed for long-term gain. In today’s dynamic environment, understanding these loans can unlock faster portfolio growth, stronger cash flow and strategic leverage. Let’s dive into the essentials of investment loans and how they can power your next real estate acquisition. Seeking the ideal investment loan? Consult with trusted Gold Coast mortgage brokers who understand the local lending environment. LM Edge provides expert advice on structuring loans to achieve tax and long-term benefits. Visit lmedge.com.au or call 07 4721 4772 to get started. What Are Investment Loans and How Do They Work? An investment loan is used to buy a residential property with the aim of generating rental income or capital growth. Unlike an owner-occupied home loan, you don't live in the property. Instead, the goal is to earn returns over time. In Queensland, investment loans are popular among both first-time and seasoned property buyers, particularly in high-demand areas such as the Gold Coast . With rising demand for rentals and infrastructure growth, investor confidence in the region continues to climb. Types of Investment Loans Available in Australia Interest-Only Loans These allow you to pay only the interest for a set interest-only period, usually up to 5 years. Your loan balance stays the same during this time. Better cash flow Lower monthly payments No equity is built until the principal is repaid Principal and Interest Loans You repay both the loan principal and interest from the start. While repayments are higher, you reduce your debt over time and build equity faster. Fixed Rate vs Variable Loan Options A fixed-rate home loan offers predictable repayments. A variable-rate loan adjusts with market conditions and may include features such as a redraw facility or a Free Redraw. You can also consider a split loan , combining both for more flexibility. Line of Credit This lets you access funds from the equity in your current home. It's useful for ongoing renovations or purchasing additional properties. Compare features like offset accounts, comparison rates, and interest paid using home loan calculators. Why Investors Are Flocking to the Gold Coast Property Market Population and Economic Growth The Australian Bureau of Statistics reports strong migration to Queensland. The Gold Coast continues to grow thanks to its attractive lifestyle, diverse job opportunities, and robust infrastructure. High Rental Demand According to CoreLogic , Gold Coast suburbs offer strong yields and low vacancy rates, making them an ideal investment for rental income. Top Investment Suburbs Southport : Diverse rental market Robina : Family-friendly and well-connected Coomera : Rapid development Hope Island : High-end appeal Pimpama : Affordable and growing Burleigh Heads : Strong capital growth Labrador : High rental yield Varsity Lakes : Popular with students and professionals These suburbs are in high demand by both tenants and investors. Let our Gold Coast mortgage brokers at LM Edge analyse your portfolio and match you with the perfect investment loan. Call us at 07 4721 4772 or head to www.lmedge.com.au to get started. How to Qualify for Investment Loans 1. Meet Lending Criteria Banks and lenders assess: Credit history and credit card usage Income and taxable income stability Current debt levels Loan to valuation ratio (LVR) Type of loan requested, such as interest-only loans or a split-rate home loan To boost your application, minimise debt, improve your savings, and ensure your loan contract details are accurate. 2. Serviceability and Income Use LM Edge's home loan borrowing power calculator to get an estimate. Aim for steady income, low liabilities, and consistent repayments on your home loan account or personal loans. 3. Reduce LMI with a Larger Deposit A 20 per cent deposit lowers your LVR and helps you avoid Lenders Mortgage Insurance . Learn more with the Queensland Government's Stamp Duty Calculator . Maximise your property portfolio growth with targeted loan strategies from Gold Coast mortgage brokers. Call us at 07 4721 4772 or head to www.lmedge.com.au for a free and personalised consultation. Frequently Asked Questions (FAQs) What are investment loans? They are home loans used to purchase a property for income or capital growth, not for living in. Can I get a loan for investments? Yes. Banks and lenders offer investment lending options like interest-only loans, variable loans, and split-rate home loans. Are investment loans worth it? Yes, if you have a clear investment strategy. Returns may come from rental income or capital appreciation. How much deposit is needed for an investment loan? Generally, 10 to 20 per cent. A 20 per cent deposit helps you avoid mortgage insurance and improve your maximum loan amount. Are interest-only investment loans still worth considering in 2025? Yes, especially for short-term cash flow planning. But you'll pay more overall if the principal isn't reduced. How do lenders assess an investment loan application? They consider income, credit assessment, loan-to-valuation ratio, and property rental potential. What's the best loan type for first-time investors? It depends on your goals. Some prefer a fixed-rate home loan, while others opt for split loans or offset home loans. Can I use the equity in my home to buy an investment property? Yes. Many investors use a line of credit or home equity loan to fund their next property purchase. Final Thoughts Investment loans give you a way to grow wealth, generate income, and expand your property portfolio. Whether you're after short-term rental yield or long-term capital growth, the right strategy and loan structure are key. The LM Edge team of experienced Gold Coast mortgage brokers is here to help you compare investment property loans, structure your finances, and secure approval. We tailor our advice to your financial goals and Queensland's local market. Speak with our team of brokers to find the right loan and avoid costly missteps. Call 07 4721 4772 or visit lmedge.com.au to get started today.
real estate agent talking with couple

How to Invest in Real Estate: 15 Broker-Approved Tips

July 9, 2025
Discover expert tips on how to invest in real estate. Learn to choose the right loans, analyze markets, and boost returns today from trusted Gold Coast brokers.
Two women fixing bed: Gold Coast brokers help low income buyers with home loans.

Home Loans for Low-Income Borrowers: Your Guide to Affordable Financing Solutions

June 30, 2025
Unlock home loans for low income earners in this guide. Explore government grants and how to qualify for one, with expert support from Gold Coast mortgage brokers.
A man holding a miniature house: Gold coast brokers help professional homebuyers with loans.

Home Loans for Professionals: Your Complete Guide to Smart Financing

June 30, 2025
Learn how professionals can apply for a home loan in this guide. Explore types, loan process, and get expert insights from expert Gold Coast mortgage brokers.
image of commercial loan doc: Gold Coast brokers help business owners with commercial loans.

How Commercial Loans Work — And How to Get Approved

June 17, 2025
Learn how commercial loans work, including types, approval steps, and lender requirements. Get insights from trusted Gold Coast mortgage brokers.
Show More

What kind of Kelso home loan are you researching?

A black and white drawing of a ribbon on a white background.

First Home Loans

Our Mortgage Broker Kelso team help make the entire process easier and hassle-free for first home buyers.

A black and white drawing of arrows pointing in opposite directions.

Changing Homes

Upgrading, downgrading or side-grading homes and need help? Our Home Loan Broker Kelso team can help!

Investment Loans

First or fifth investment property, Our Mortgage Broker Kelso team can help secure your next investment.

A stack of coins with a plant growing out of them.

Home Refinancing

Need better rates or have a change in circumstances? Our Home Loan Advisors Kelso team are the experts.

A black and white drawing of a house with a chimney on a white background.

Construction Financing

Construction projects can present many challenges. Our Kelso team help remove the financial unknowns.

Other home loan?

Are you looking for a self employed home loan, bridging loan or other? Just get in touch with us today!

This website is run by much loved  Gold Coast brokers.

If you researching home loans but need some help, please just reach out. Our offices are below, if you would rather visit us in person please just call to book a time!


These are our offices: 
14 Windmill St, Southport QLD 421
6/7 Barlow St, South Townsville QLD 4810
Let's make a time 📞 07 4721 4772

  • How do our local Mortgage Broker Kelso team help?

    Our experienced team of Kelso mortgage brokers is here to help you save on your home loan and provide personalised service for all your lending needs. 


    From pre-approval to settlement and even loan refinancing, we guide you every step of the way, ensuring you've got a smooth process that puts you first.


    Here's how we help and why 70% of Australians now choose a mortgage broker like LM Edge over going directly to a bank!


    1. Financial Assessment:


    Mortgage brokers generally start by assessing your financial situation, which can be invaluable for first-time home buyers and Kelso locals who may not have looked at their home loans for some time. This includes analysing your income, expenses, credit history, and overall finances to work out how much you can afford to borrow within the various loan types available. 


    2. Pre-Approval Process: 


    Brokers like LM Edge can help first, or fifth home buyers get pre-approved for a mortgage, and understand every loan process step. This involves working with lenders to obtain a conditional approval for a loan amount, which can give you a clearer idea of their budget when house hunting. 


    3. Market Knowledge:

Local mortgage brokers often have a good understanding of the real estate market in Kelso. We can provide insights into property values, trends, and neighbourhoods, helping buyers make informed decisions. 


    4. Loan Options:

Mortgage brokers can present various loan options available from different lenders. We can explain the terms, interest rates, and features of each loan, helping first-home buyers choose the one that best suits their needs. 


    5. Comparison Shopping: 

Brokers can save time for first home buyers by comparing loans from multiple lenders. This can help buyers find competitive interest rates and favourable loan terms for their borrowing power. 


    6. Paperwork and Application: Mortgage brokers like LM Edge assist with the preparation and submission of mortgage applications. We can help you gather the necessary documents and ensure that the application is completed accurately and promptly. 


    7. Lender Negotiation: 

     Experienced brokers like LM Edge might negotiate with lenders on behalf of the first home buyer to secure the best possible terms for the mortgage. Just get in touch with our mortgage broker Kelso team and see how we can help! 


    8. Simplifying the Process: 


    Buying a home involves complex paperwork and processes. Mortgage brokers like LM Edge Mortgage Brokers can simplify the process by guiding first home buyers through each step and answering their questions. 


    9. Access to 60+ Lenders: 


    Mortgage Brokers have established relationships with various lenders, and at LM Edge we work with 60+ banks and lenders to find you the very best deals around. These connections can also lead to access to exclusive deals, such as professional LMI waivers or faster processing times - which matters when you are in a sellers market, you need speed. 


    10. Continued Support: 


    A mortgage broker's work doesn't stop after your mortgage is approved. We continue to offer support, answer any questions, and help with any issues that arise during the settlement - or even during your loan repayments. We regularly check in or looking into refinancing and can provide genuine home loan advice if your situation ever changes. 


    11. Education: 


    For first-time home buyers, and even savvy property investors, the mortgage process can be overwhelming. Our mortgage broker Kelso can educate buyers about the different stages, terms, and responsibilities associated with getting a mortgage.


    At LM Edge, our commitment to client satisfaction includes helping with our cutting-edge loan calculators, assistance with any debt consolidation, and cash rate hike updates, which keep you financially informed. We're here for you long after settlement to ensure your financial future aligns with your goals.


    For all your mortgage needs in Kelso, call us on 📞 0401 022 182

  • What kind of clients do our mortgage broker Kelso team help?

    When it comes to your home loan or current mortgage, the ultimate goal of course is financial freedom, no matter where you are in your home buying journey. 


    The first step to financial freedom is the right path, which extends beyond a mortgage rate. That's where our Mortgage Specialist helps with a more holistic approach to lending. We work with:


    1. Kelso Home Buyers, Including Your First Home: 


    From first-time home buyers to next home buyers looking to up, down or side grade homes, our mortgage broker Kelso team can help find the right home loan for your needs, be it variable rate, fixed rate or other to suit your needs and lifestyle. 


    2. Kelso Investors: 


    Our LM Edge mortgage brokers regularly help property investors secure financing for investment properties, whether for rental income or capital appreciation, we are keeping ahead of residential sales at all times. 


    3. Local Refinancers: 


    People who already own a Kelso home might think about refinancing to lower their interest rates, adjust their home loan terms, or tap into their home's equity for other reasons. Just get in touch with us on 0401 022 182 if you are looking to refinance. 


    4. Debt Consolidation: 


    Clients looking to consolidate high-interest debts, like credit card debts, back into their mortgage might seek the services of mortgage brokers to find suitable options and terms. When it comes to debt consolidation, it’s the small details matter so please just reach out to our mortgage broker Kelso team! 


    5. Kelso Construction and Renovation Projects: 


    Locals planning to build a new home or undertake major renovation work might seek financial services for construction loans. Our LM Edge mortgage brokers can assist in finding suitable financing options for your construction project. 


    6. Self-Employed Kelso people: 


    People with non-traditional income sources, like self-employed people working or freelancers working under an ABN and those not registered for GST, might need specialised assistance in finding the right mortgage options that take into account their income structure and individual situation. 


    7. Kelso Clients with Unique Financial Situations: 


    Our mortgage brokers can help if you’ve unique financial circumstances, such as a history of poor credit or irregular income. We can find lenders who are willing to work with you and provide the customer service you need. 


    8. Kelso Property Investors: 


    Investors looking to expand their property portfolios might need specialised financing solutions, and mortgage brokers like LM Edge can help connect you with lenders who understand your investment strategies and lending needs, residential or commercial. Our mortgage broker Kelso team are here to help! 


    9. Cross-Border Clients: 


    Individuals who are not Australian residents but are looking to purchase property in Kelso might seek assistance in navigating the complexities of obtaining a mortgage in Australia. We can help, just get in touch with LM Edge team! 


    10. Kelso Clients with Specific Goals: 


    Clients with specific financial goals, such as paying off their mortgage faster, might consult mortgage brokers for guidance on suitable loan products.


    It's important to note that mortgage brokers tailor their services to your specific needs and financial foals, just get in touch with the LM Edge team today to discuss your needs from our Kelso Mortgage Brokers.


    Simply get in touch with us today on 📞 0401 022 182 if you've any questions or looking for the best Mortgage Brokers Kelso!


  • Why is Kelso 4815 a great place to buy a home or investment property?

    Kelso, located in the Townsville Region of Queensland, presents a compelling opportunity for homebuyers and property investors. Here are several reasons why Kelso is an attractive choice:


    Affordability and Growth Potential


    The median listing price for houses in Kelso is approximately $439,500, reflecting a significant increase of 27.39% over the past year and 33.18% over two years. This upward trend indicates strong growth potential for property investments.


    Favourable Rental Market


    With a median rent of $460 per week and a rental yield of 5.44%, Kelso offers promising returns for investors seeking rental income.


    Family-Friendly Community


    The predominant age group in Kelso is 0-9 years, and households are primarily couples with children. This demographic profile underscores a family-oriented community, making it an ideal environment for raising children.


    Recreational Amenities


    Kelso boasts excellent parks and recreational facilities, such as Charles Moroney Park, which features soccer fields, footy fields, an outdoor gym, a flying fox, and playgrounds. Additionally, the new Apex Park on the Ross River offers a fabulous facility for residents.


    Natural Surroundings


    The suburb is rich in wildlife, including cockatoos, galahs, possums, frilly lizards, lorikeets, kangaroos, and wallabies, providing a unique and educational environment for families.


    Community and Lifestyle


    Kelso offers a blend of suburban living and natural beauty, ideal for those seeking a quiet lifestyle close to Townsville.


    In summary, Kelso's affordable property prices, strong growth potential, family-friendly atmosphere, and abundant recreational amenities make it a great place to buy a home or investment property.


    Simply get in touch with us today on 📞 0401 022 182 if you've any questions or looking for the best Mortgage Brokers Kelso!


  • Who are the major banks and home loan lenders in the Kelso area?

    When it comes to securing an Kelso home loan, there are several major lenders, including Australian banks and financial institutions, who operate in the region with an overwhelming amount of financial products that aren't always easy to understand. 


    These lenders all offer a wide range of loan products based on your borrowing capacity. 

    Here are some of the major home loan lenders you could consider:


    Mortgage Brokers: 


    Mortgage brokers, such as LM Edge and our mortgage broker Kelso team, manage thousands of loan products, and 70% of Australians now use a Mortgage Broker over a bank for their home loans. We look at your overall finance journey and work with over 60+ lenders to find the right solution and provide helpful advice. 


    At LM Edge, we also work with both traditional banks and alternative options to find the best home loan for your needs. Other Mortgage Brokers and finance brokers include Aussie Home Loans, Mortgage Choice, Loan Market, Smartline Personal Mortgage Advisers, Connective, Choice Aggregation Services, Mortgage Express and more. Our mortgage broker Kelso team can also help and we’ve hundreds of 5-star reviews, just call us on: 


    Major Banks: 


    Australia's major banks like Commonwealth Bank, Westpac, ANZ, and National Australia Bank (NAB) offer a range of home loan products and personal loans. These banks have a significant presence in Kelso and throughout Australia. Our mortgage broker Kelso team also negotiate with the big banks of you so be sure to get in touch!


    Credit Unions: 


    Credit unions such as Queenslanders Credit Union, Queensland Country Credit Union, and First Option Credit Union might offer competitive home loan options with personalised service and flexible loan terms.


    Building Societies: 


    Building societies like Heritage Bank and Suncorp Bank can also be found in the Kelso area. They often offer a variety of home loan products.


    Non-Bank Lenders: 


    Non-bank lenders like ING, ME Bank, and Macquarie Bank might offer alternative home loan options and could be worth considering.


    Online Lenders: 


    Some online-only lenders operate in Australia, providing digital platforms for home loan applications. UBank and loans.com.au are a few examples, and our mortgage broker Kelso team can negotiate with these online lenders on your behalf!


    Local and Regional Lenders: 


    There might be local or regional banks and lenders in the Kelso 4815 area that cater specifically to the local community. To find the most current information about home loan lenders in Kelso, we recommend contacting our mortgage broker Kelso team, we can find the best local lenders for your needs.


    Online Research: 


    Use search engines to find lenders operating in the 4815 postcode area of Kelso. Visit their websites to learn about their offerings and loan service and investment loans, loan structures etc.


    Ready to discuss your loan options? 


    Just Contact LM Edge and our team on 📞 0401 022 182 to connect with an Kelso Mortgage Broker who'll support you throughout your financial journey.