Looking for expert mortgage advice or personal finance solutions in Gladstone and surrounding areas?
At AJ Home Loans, we proudly support clients across the Greater Gladstone region with personalised, ethical mortgage and finance services. We know the local property market, we understand the needs of local families and businesses, and we’re here to help you make confident financial decisions.
Whether you’re buying your first home, refinancing, investing, building, or simply looking to take control of your money — we provide expert guidance every step of the way.
Get Professional Loan Advice Today
Areas We Service
We work with clients across all suburbs of Gladstone and the surrounding areas, including:
Gladstone Central & Suburbs
- Gladstone Central
- West Gladstone
- South Gladstone
- Barney Point
- Toolooa
- Kin Kora
- Telina
- Clinton
- Kirkwood
- Glen Eden
- Sun Valley
- New Auckland
- Callemondah
- Byellee
- River Ranch
- Caliope
- Tannum Sands
- Boyne Island
Area near you
Coastal & Regional Areas
- Tannum Sands
- Boyne Island
- Mount Larcom
- Wurdong Heights
- Yarwun
If you live in any of these locations — or in nearby areas not listed — we’d love to assist you.
Our Main Services
We provide a full range of mortgage and finance services to clients across Greater Gladstone:
Home Loans
Looking to buy a home? The right loan structure makes the difference between stress and confidence. We cut through the confusion and match you with home loan options that actually fit your income, deposit situation, and long-term plans. Whether you’re upgrading, downsizing, or buying your dream home in Gladstone, we handle the paperwork, negotiate with lenders, and make sure you’re not leaving money on the table. No cookie-cutter solutions here, just honest advice and loans that work for your life. Let’s get you the keys faster.
First Home Buyer Loans
Buying your first home shouldn’t feel like guesswork. We walk first-timers through every step, from understanding what you can actually afford to unlocking government grants and schemes you might not even know exist. We’ll show you how to maximize your borrowing power, avoid rookie mistakes, and get pre-approved before you start house hunting. The Gladstone property market moves fast, and you need someone in your corner who knows how to position you as a serious buyer. Stop renting someone else’s mortgage and start building your own wealth. Book a no-pressure chat and let’s map out your path to ownership.
Investment Loans
Building a property portfolio requires smart finance, not just ambition. We structure investment loans that protect your cash flow, maximize tax benefits, and position you for growth. Whether you’re buying your first rental or expanding your portfolio across Gladstone and beyond, we’ll show you how to leverage equity, minimize risk, and actually make the numbers work. Forget generic advice from bankers who don’t understand investment strategy. We partner with you to build sustainable wealth through property, one smart loan decision at a time. Let’s turn your investment goals into tangible assets.
Home Loan Refinancing
Stuck paying too much on your current loan? Refinancing isn’t just about chasing a lower rate, it’s about restructuring your debt to work harder for you. We’ll audit your existing loan, identify what you’re overpaying, and show you exactly how much you could save each month and over the life of your loan. Whether you want to consolidate debt, access equity for renovations, or simply cut years off your mortgage, we handle the heavy lifting. Lenders count on you staying comfortable with mediocre rates. We make sure you’re always getting the best deal available. Find out what you’re leaving on the table with a free refinance review.
Construction Loans
Building from scratch comes with unique challenges, and your finance needs to match the reality of staged payments and progress inspections. We specialize in construction loans that release funds exactly when you need them, keeping your builder paid and your project on track. From land purchase to final completion, we navigate the technical requirements most brokers fumble. You’ll know exactly what to expect at every stage, with no nasty surprises when you’re halfway through the build. Building your dream home in Gladstone? Let’s make sure the finance side is rock solid from day one.
Equity Release Loans
Your home equity is sitting there, doing nothing. Why not put it to work? We help you safely access the wealth locked in your property to fund renovations, consolidate high-interest debt, invest in opportunities, or support family. The key is structuring it properly so you’re not over-leveraging or creating future problems. We’ll show you how much you can access, what it’ll cost, and whether it makes strategic sense for your situation. Not every equity release is smart money, and we’ll tell you straight if there’s a better path. Let’s unlock your options and see what’s possible.
Car & Personal Loans
Need finance fast without the runaround? We cut through the red tape and secure competitive car and personal loans quickly. Whether it’s a new vehicle, debt consolidation, or funding a major purchase, we compare options across multiple lenders to find rates and terms that won’t strangle your budget. Skip the dealership finance traps and pushy bank tactics. We work for you, not the lender, which means you get honest advice and loans structured for early payoff, not maximum interest. Get approved faster and drive away with confidence, or fund that project without the financial hangover.
Money Coaching
Most people don’t have a money problem, they have a clarity problem. Our money coaching cuts through the overwhelm and gives you a clear, actionable plan to take control of your finances. We’ll help you build a budget that actually works, smash debt faster, identify money leaks, and set realistic goals you can stick to. This isn’t about deprivation, it’s about making your money work as hard as you do. Whether you’re drowning in debt, trying to save for a house, or just want to stop living paycheck to paycheck, we give you the tools and accountability to win with money. Stop guessing and start executing. Your future self will thank you.
Why Clients Across Greater Gladstone Choose Us
- Local expertise — We’ve proudly served Gladstone and surrounding areas for over 20 years.
- Trusted mortgage broker — Family-first, client-focused, and committed to doing the right thing for YOU.
- Wide lender access — We compare options from leading Australian banks and lenders.
- Flexible appointments — Available 7 days a week — phone, video, or in-person.
- Holistic support — More than just home loans — we provide full support for your personal financial journey.
Let’s Work Together — No Matter Where You Are in Greater Gladstone
Whether you’re in Gladstone Central, Tannum Sands, Boyne Island, Mount Larcom, or anywhere in between — we’re here to help.
Contact AJ Home Loans today for a friendly chat about how we can support your next financial decision.
- Phone: 0409 311 985
- Online Enquiry: Use the contact form located above or on our contact page.
AJ Home Loans — Helping families and individuals across Greater Gladstone move forward with confidence.
