First Home Buyer Loans & Financing Sunshine Coast

Buying your first home should feel exciting, not like a full-time job. But let’s be real, between confusing bank talk, strict lending rules, and trying to work out how much deposit you need, it’s easy to feel overwhelmed.

That’s where we come in. At I Know The Broker (IKTB), we live and breathe the Sunshine Coast lifestyle (literally). We're here to make getting your first home loan simple, clear, and, dare we say it, a little enjoyable. Best of all? We don’t charge you a cent. We only get paid by the lender when your loan successfully settles.

Whether you’re looking to buy in Buderim, Caloundra, Maroochydore or anywhere else in this beautiful pocket of the world, let’s break things down together.

There’s a lot of info out there, and let’s be honest, most of it is confusing (and kind of boring… unless you’re us, because we love this stuff).

As a first-time buyer, you’re not just after a loan; you’re laying the foundation for your future. That’s where we come in, offering a lending hand through every twist, turn, and (inevitable) curveball on your buying journey.

You’re probably wondering:

• How much deposit do I need?
  
  
• What can I actually afford?
  
  
• And how do I find a loan that suits me, not just what the banks want?
  
  

Because here’s the thing—most loans are built with a one-size-fits-all approach. But you’re not a number in a spreadsheet. You're you, and your loan should reflect that.

We’ll walk you through all the options (including every government grant and incentive you’re eligible for), take care of the paperwork, and make sure you feel informed and in control the whole way through.

We’ll also help you get pre-approved, which gives you way more confidence when making offers in today’s competitive market.

So, if you're ready to move from "just browsing" to "homeowner in the making," you're in the right place.

You might be thinking, "Should I just go straight to the bank?" Here's why most first-home buyers on the Coast are going with brokers (and why they’re glad they did):

• More options, better outcomes: Banks only offer their own products. We work with over 65 lenders, so we can find what actually suits you.
  
  
• Flexible criteria: Self-employed? New job? Low deposit? No worries. We match you with lenders who actually understand real-life situations.
  
  
• Local expertise: We know the Coast. And we get the laid-back, lifestyle-first mindset that comes with it.
  
  
• Ongoing support: We stick with you from first chat to final settlement (and beyond). You will have a dedicated support person for every step.
  
  
• No upfront cost: Unlike some services, we don’t charge you anything. Our fee comes from the lender once your loan settles.
  
  

Here’s a quick checklist to help you feel ready (don’t stress—we’ll guide you through all of this):

1. Deposit & savings history – Ideally 5–10%, and we’ll show you how to use grants, rental history or gifted funds too.
2. Proof of income – Payslips or tax returns (we help self-employed buyers all the time).
3. ID docs – License, Medicare card, or passport.
4. Living expenses – Your typical spending, nothing fancy.
5. Any debts or credit cards – Just so we can paint a full picture.
6. Property info (once you find it) – If you've already found a place, we’ll handle the next steps.

We also check your eligibility for grants like the $30,000 Queensland First Home Owners' Grant, First Home Buyer Schemes, Boost To Buy, Help To Buy—and we do the paperwork for you.

Brad (a chippy) and Jess (a local teacher) were renting in Caloundra and assumed they’d need another few years before buying. They had a 7% deposit and weren’t sure they’d qualify—especially since Brad had recently gone out on his own.

After a quick chat with us, we walked them through the FHOG, found a lender comfortable with Brad’s self-employed income, and helped them score a new build near Dicky Beach—with a loan tailored to their lifestyle.

“We thought we’d be renting forever. IKTB made the whole process easy and stress-free—and it didn’t cost us anything!” – Brad & Jess

That’s the power of local experience and genuine help.

We make the process as laid-back as a Sunday at Cotton Tree.

• There’s no cost to you.
• We have every reason to find you a great loan that suits you.
• You get expert help, top lenders, and clear advice—for free.

We’re not some big corporate name with a Brisbane postcode. We live here. We surf here. We go to the same cafes you do.

We know the difference between Mountain Creek and Twin Waters. And we know the lenders who understand the Coast’s property quirks.

Most of all, we care about helping people from here get into homes here.

Looking to buy your first home on the Sunshine Coast? I Know The Broker offers expert first home buyer loan services in all the top suburbs. Visit our Sunshine Coast office or connect locally at our Noosa, Caloundra, Mooloolaba, or Buderim offices. We're your local mortgage broker for first home buyers in suburbs like Maroochydore, Peregian Springs, Sippy Downs, and Coolum Beach.

Whether you’re dreaming about a home near the beach, in the hinterland, or right in the buzz of Maroochydore, we’re here to make it happen.

Let’s keep it simple, personal, and genuinely helpful.

Make an enquiry today—and let’s get you home.

Don’t wait until you’ve found a home to speak to us.
The earlier we chat, the better we can position you with lenders. We can help you figure out exactly how much you can borrow, how much you need to have saved, check your credit file, and get you buy-ready sooner.

Buying your first home can be straightforward with the right team by your side. Let’s chat about your goals and create a personalised plan to make your homeownership dreams come true — confidently and strategically.