TSC Mortgage Brokers
YOU CAN BUY YOUR FIRST HOME
It’s more possible than you realise, as long as you have the right broker. TSC Mortgage Brokers has helped hundreds of Sunshine Coast locals buy their first home, and we can help you too.
5.0
Based on 215 reviews
Ready to take that next step?
Don’t let doubt keep you from owning your first home. We’re here to help you every step of the way, with consistent support, guidance, and the finance industry experience to get you into your first home.
Award-winning Finance Brokers
11 years of successfully helping first home buyers. 191 Five-Star Reviews
First Home Finance Made Simple
Confused by all the banking and home loan talk? So is everyone else.
TSC Mortgage Brokers cut through the jargon and make it all make sense. Real advice from local brokers with a track record for success.
At TSC, we help first home buyers just like you understand exactly:
✅ How much you can borrow
✅ How much deposit you really need (it’s often less than you think)
✅ What grants and schemes you’re eligible for in QLD
✅ What your repayments would look like
✅ What kinds of hidden fees and costs are out there for the unwary home buyer
We’ve been helping Sunshine Coast home buyers for over 11 years, and have nearly 200 5-star reviews from happy clients who’ve been exactly where you are.
They’re now in the comfort and security of their own home, and you can be too.
TSC Mortgage Brokers are your local home buying partner, here to guide you every step of the way.
RATES: CUTTING THROUGH THE CONFUSION
There’s so much media attention around rates, and a lot of uncertainty around borrowing capacity, and how things like job security and the cost of living will affect first home buyers.
We hear the same questions and concerns over and over again.
- Fixed vs variable?
- 5% deposit or 20%?
- How does the First Home Guarantee work?
- What about Stamp duty exemptions?
- Will rates go up? Down? How will that affect repayments? Should I wait?
- How do I balance repayments with my lifestyle?
- What if my job changes? Or if I want to change jobs?
- Can I buy a house AND start a family?
It’s a lot.
That’s why we break it down for you, and provide the clear guidance you need to move forward with confidence.
Want to Know What You Can Actually Borrow?
Let’s start there.
Most first home buyers overestimate just how strict banks can be.
You might be closer than you think.
Pop your details below and one of our friendly local brokers will give you a quick call to run through your options.
I WANT A FREE CALLBACK✔ 100% free
✔ No obligation
✔ Real answers, fast
HOW IT WORKS
We’ve helped hundreds of first home buyers. Here’s how we do it.
Getting to know you
We connect via Zoom, phone, or in person to understand your unique financial situation, borrowing needs, and long-term home buying aspirations.
The paperwork
We streamline the administrative process by quickly providing and gathering all the essential documentation you need to move forward without any delay.
We assess your ability to borrow
We calculate your true capacity by weighing savings, earnings, and debts like HECS or credit cards to explain their impact on your borrowing power.
Finding you a Lender
Leveraging a decade of brokerage connections, we identify the most suitable bank or specialist lender tailored specifically to your unique financial scenario.
Empowering you with options
We present tailored recommendations and, upon your agreement, manage the entire application for either your pre-approval or formal loan approval process.
Guiding you all the way
We manage everything through to settlement, including valuations, loan document verification, and coordination with all legal teams involved in the transaction.
Want to know how much you can borrow?
A lot of people assume that banks are stricter than they really are. So what is your borrowing power? Use our borrowing calculator below to get your head around your potential borrowing capacity.
What if you can’t afford the loan you want?
If now isn’t the right time, we don’t just send you away. We’re still committed to getting you into your first home.
Our expert team is here to help you take the steps you need to get where you want to be.
We help you with:
- Other options: We can look at different properties, areas or types of home that will be faster to attain.
- Reevaluating your support network: We can discuss other family to support, and help you with how that can be successfully approached.
- Debt reduction strategies: Steps like cleaning up your credit, a personalised savings plan and other financial tips and tricks to improve your borrowing capacity.
Frequently Asked Questions
A lot of first home buyers frequently ask the same questions, so we’ve rounded up all the regulars for you to easily go through.
It depends. Some buyers can purchase with as little as 5% using government schemes. We’ll check your eligibility and explain the pros and cons.
That’s very common. These do impact borrowing capacity, but it doesn’t automatically mean you can’t buy. We’ll show you exactly how it affects your numbers.
There’s no one-size-fits-all answer. We look at your job security, plans, risk comfort and cash flow to help you decide.
No one can predict perfectly, despite what the media likes to say. So instead of guessing, we show you what your repayments would look like under different scenarios. That gives you the power to plan with confidence.
That’s a more common concern than you think. There are often options available, it just depends on your situation.
Then we build a plan to get you where you need to be, so that you CAN afford to buy. That might mean adjusting expectations, choosing a different suburb, or working on your deposit. The important thing is that you’re not on your own. We’ll help you create a clear path forward.
TOP 3 TIPS FOR SUNSHINE COAST FIRST HOME BUYERS
Focus on Borrowing Capacity, Not Just Deposit
Many buyers save for years without realising they were ready earlier. Don’t wait any longer than you have to.
Don’t Rely on Headlines
Interest rate news is designed to grab attention. Your situation is what matters.
Get Advice Before You Start House Hunting
Knowing your numbers first gives you confidence, as well as the negotiating power to get the house YOU want.