Compare home loan options from 70+ Australian lenders. Local Gladstone mortgage broker with 20+ years experience helping families secure the right loan for their needs.
Key Benefits:
- Access to rates and products from 70+ lenders across Australia
- Local knowledge of the Gladstone and Central Queensland property market
- Personalised support from application through to settlement and beyond
Get Your Free Loan Consultation – Call 0409 311 985
20+ Years in Gladstone | 500+ Happy Clients | ASIC Licensed Broker | Locally Owned
Get Professional Loan Advice Today
Finding the right home loan in Gladstone doesn’t have to be complicated. Whether you’re buying your first home, refinancing, or investing in property, I’m here to help you navigate the process with confidence and care.
I’m Coral Jacobs, founder of AJ Home Loans Gladstone. With over 20 years living and working in the Gladstone community, I’ve helped hundreds of clients across Greater Central Queensland find home loan solutions to suit their personal needs and future goals. I treat every client like family, offering honest, grounded advice with your best interests at heart.
What is a mortgage broker and why use one in Gladstone?
What does a mortgage broker do?
A mortgage broker compares home loans from multiple lenders on your behalf and helps you through the application process. Instead of going directly to one bank, you get access to loan products from 70+ lenders, including major banks, regional lenders, and specialist providers.
Why choose a local Gladstone mortgage broker?
Working with a local broker means you get:
- Personal, community-based service – Face-to-face meetings in Gladstone, not a call centre interstate
- In-depth knowledge of the local property market – I understand Gladstone property values, employment patterns in the LNG and mining sectors, and how regional lenders assess Central Queensland applications
- Access to 70+ lenders – Major banks (ANZ, CBA, NAB, Westpac), regional lenders (BOQ, Bendigo), and specialist lenders
- Guidance through every step – From initial enquiry through to settlement, with ongoing support after your loan is in place
I take the time to understand your unique circumstances, explain your options clearly, and help you make an informed decision, so you can move forward with confidence and peace of mind.
Types of Home Loans We Can Help You With
At AJ Home Loans Gladstone, we help clients from all walks of life find suitable finance solutions. Whether you’re:
Buying your first home
First time buyer? We’ll help you understand your options, including government grants and low-deposit home loans. Learn more on our First Home Buyer Loans page.
Purchasing an investment property
Building a property portfolio? We can help you compare investment loan structures and discuss strategies that may suit your investment goals. Visit our Investment Property Finance page for more information.
Looking to refinance your current home loan
Your circumstances change, and so do loan products. If you’re considering refinancing, we can help you compare your current loan against what’s available in the market. Explore options on our Home Loan Refinancing page.
Building a new home
Construction finance works differently to standard home loans. We can help you understand the construction loan process and connect you with suitable lenders. Find out more about Construction Loans.
Accessing equity in your home
If you’re considering accessing equity for renovations, investments, or other purposes, we can discuss your options. Learn more about Equity Release Loans.
Car or personal finance needs
Need finance for a vehicle or personal project? We also help with car loans and personal lending. Visit our Car & Personal Loans page.
No matter your situation, we provide support to help you access suitable finance solutions for your needs.
How the Home Loan Process Works
How do I get a home loan through a mortgage broker?
Our process is straightforward and transparent. Here’s what to expect:
Step 1: Initial Consultation (No Obligation)
We’ll discuss your situation including your income, deposit, property goals, and timeline. I’ll provide guidance on what you may be able to borrow and what loan options might suit your circumstances. Consultations can be held at my office, your home, or via video call – whatever works best for you.
Step 2: Loan Comparison & Options
I’ll compare loan products from 70+ lenders based on your specific situation. You’ll receive clear information about different options including rates, fees, and features. No jargon, just straightforward explanations to help you make an informed decision.
Step 3: Application Lodgement
Once you’ve chosen a lender and loan product, I’ll prepare and lodge your application. I handle the paperwork, liaise with your employer for income verification, and coordinate with the lender throughout the assessment process. You’ll be kept informed at every stage.
Step 4: Loan Assessment
The lender will assess your application and may request additional documents or information. I’ll coordinate this process and follow up to keep things moving forward.
Step 5: Settlement Support
I work with your solicitor or conveyancer to help ensure your loan settles smoothly. After settlement, I’m available for ongoing support and can conduct loan reviews to help ensure your loan continues to meet your needs.
How long does home loan approval take?
Timeframes vary depending on your circumstances and the lender. Generally, pre-approval can take several days to a week, and formal approval typically takes 1-2 weeks from lodgement. Settlement usually occurs 4-6 weeks after formal approval, though timeframes can vary.
Why Clients Choose AJ Home Loans Gladstone
What makes working with Coral different?
Family-first approach
I treat every client like family and provide the same advice I would give my own children. Your financial wellbeing matters to me, and I’m here to help you make decisions that serve your best interests.
Proud local with deep community roots
Based in Gladstone, QLD, with genuine knowledge of the Greater Central Queensland market. I’ve been part of this community for over 20 years and understand the local property landscape, employment sectors, and what lenders look for in regional applications.
Trusted, qualified, and experienced
Licensed mortgage broker with extensive experience helping hundreds of clients across Gladstone and the Greater Gladstone area in Queensland.
Integrity first
I always aim to do what’s right for you, even if that means recommending you wait, save more deposit, or consider options outside of what I can directly assist with. My reputation in this community is built on honest advice and genuine care for client outcomes.
Holistic support and personal care
Beyond just arranging loans, I provide guidance and personal support to help you make informed financial decisions. I’m here for the long term, not just one transaction. Many clients return for refinancing, investment properties, or simply advice as their circumstances change.
Common questions about home loans and mortgage brokers
Do I pay broker fees?
Most mortgage brokers in Australia, including AJ Home Loans, are paid by the lenders, not the borrowers. This means there is typically no cost to you for broker services. Lenders pay brokers a commission when your loan settles, which is built into the lender’s business model.
How much deposit do I need?
Deposit requirements vary by lender and your circumstances. Some lenders may consider loans with deposits as low as 5% (with Lender’s Mortgage Insurance), while others prefer 10-20% deposits. First home buyers may have access to specific schemes that can help with lower deposits. Every situation is different, so let’s discuss your specific circumstances.
Can I get a home loan if I’m self-employed?
Yes. Self-employed borrowers can absolutely get home loans, though the documentation requirements are typically different to those for PAYG employees. Most lenders want to see 2 years of tax returns and recent business financials. Some lenders specialise in self-employed lending and assess applications with different criteria.
What credit score do I need for a home loan?
Lenders have varying credit score requirements. Generally, a good credit history helps your application, but past credit issues don’t automatically disqualify you. Some lenders specialise in working with borrowers who have had previous credit challenges. Your full financial situation is considered, not just your credit score.
Can I still talk to banks if I’m working with a broker?
Absolutely. Many people speak with both banks and brokers. Just be aware that once a bank formally assesses your application, it creates a credit enquiry on your file. Multiple credit enquiries can impact your score, so it’s worth considering whether to pursue multiple formal applications simultaneously.
How long does it take to get home loan approval?
Timeframes depend on your circumstances and the lender’s current processing times. Generally, you can expect pre-approval within several days to a week, and formal approval within 1-2 weeks of lodging a complete application. Settlement typically occurs 4-6 weeks after formal approval, though this varies.
What documents will I need?
Standard documentation includes identification, recent payslips, bank statements, and an employment letter. Self-employed applicants will need tax returns and business financials. I’ll provide you with a specific checklist based on your situation once we discuss your circumstances.
Do you only work with Gladstone clients?
We primarily serve clients in Gladstone and Central Queensland, including Tannum Sands, Boyne Island, Calliope, and surrounding areas. However, we can assist clients throughout Queensland.
Service Areas
Mortgage broker serving all of Greater Gladstone
We help property buyers and homeowners throughout the Gladstone region and Central Queensland, including:
Gladstone Area
Coastal & Regional
- Tannum Sands
- Boyne Island
- Calliope
- Mount Larcom
- Agnes Water & 1770
Other Central Queensland areas
- Bundaberg region
- Rockhampton region
- Emerald & Central Highlands
- Biloela
Ready to Find the Right Home Loan?
If you’re looking to purchase property or simply want to explore your home loan options, our team is here to help.
Contact AJ Home Loans Gladstone today to get started with a no-obligation consultation.
- Phone: 0409 311 985
- 7/30 Tank Street, Gladstone, Qld 4680
- Online Enquiry: Use the contact form located at the top of the page or our contact page.
Let’s help you access the best finance solution and make your property dreams a reality.
AJ Home Loans Gladstone — Helping families across Gladstone and Greater Central Queensland move forward with confidence.
