Home Loans Rockhampton | Keppel Coast Finance

Home Loans in
Central Queensland

Buying your first home, refinancing or building an investment portfolio. Monique works with you to understand your situation and find a loan that actually fits your life.

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First Home Buyers Welcome

Monique will walk you through every step, from pre-approval to settlement. No question is too small.

Refinancing Made Simple

Already have a home loan? We shop across lenders to find you a better deal without the stress.

MFAA Accredited Broker

Monique is a fully accredited mortgage broker. You can trust the advice you receive is qualified and independent.

What We Offer

Find the Loan That Fits

No two borrowers are the same. Here are the home loan types we help with across Rockhampton and Central Queensland.

Most Popular
First Home Buyer Loans

Getting into your first home is one of the biggest steps you will take. Monique makes sure you understand your options and helps you access the right grants and schemes available to you.

  • ✓ First Home Owner Grant (FHOG) assistance
  • ✓ Help with First Home Guarantee eligibility
  • ✓ Stamp duty concession guidance
  • ✓ Pre-approval so you can shop with confidence
  • ✓ Step-by-step guidance from start to settlement
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Refinancing

If you have had your home loan for a while, there is a good chance a better deal is available. We compare options across a wide panel of lenders to make sure your loan is still working for you.

  • ✓ Free loan health check
  • ✓ Access to a wide range of lenders
  • ✓ Cashout refinancing options
  • ✓ Debt consolidation options
  • ✓ We handle the paperwork from switch to settlement
Grow Your Portfolio
Investment Loans

Central Queensland continues to attract property investors. Whether this is your first investment or you are adding to an existing portfolio, we can structure the right loan for your strategy.

  • ✓ Investment and owner-occupier splits
  • ✓ Interest only options available
  • ✓ Self-managed super fund (SMSF) lending
  • ✓ Portfolio structuring advice
  • ✓ Access to investor-friendly lenders
Who We Help

We Work With All Kinds of Borrowers

From straightforward purchases to more complex situations, Monique has experience across a wide range of borrower types.

1
First Home Buyers

Never bought before? No problem. We will walk you through the entire process and make sure you understand every decision along the way.

2
Self-Employed Borrowers

Variable income can make getting a loan tricky. We know which lenders work well with sole traders and business owners and can help structure your application.

3
Upsizers and Downsizers

Moving to a bigger property or simplifying your lifestyle. We help you understand the overlap between selling and buying so you are not left in a difficult position.

4
Those with Complex Situations

Credit history, unusual income structures, guarantor loans. Every situation is different and Monique will give you a straight answer on what is possible.

We Also Cover

Construction loans and house-and-land packages, including progress draw loans for new builds. If you are building in the Rockhampton or Central Queensland region, we can help structure the right loan from the ground up.

Guarantor Loans

Parents wanting to help their kids into the market can do so with a guarantor arrangement. We explain how these work, what the risks are for all parties, and whether it is the right move for your family.

Low Deposit Options

Waiting until you have a 20% deposit is not always necessary. Monique will walk you through low deposit options including lenders mortgage insurance and government guarantee schemes.

How It Works

Simple Steps to Your New Home

The lending process does not need to feel overwhelming. Here is what working with Keppel Coast Finance looks like.

1
Let's Chat

Call or enquire online. Monique takes the time to understand your goals, your situation, and what you are trying to achieve.

2
We Do the Research

We assess your borrowing capacity and compare options across our panel of lenders to find the right match for you.

3
We Lodge Your Application

Once you are happy, we prepare and submit your application and stay across it every step of the way until approval.

4
Settlement and Beyond

We see you through to settlement and stay in touch. Your loan should keep working for you long after the keys are in your hand.

Common Questions

Frequently Asked Questions

A few things we get asked a lot. If your question is not here, just give Monique a call.

Your borrowing capacity depends on your income, expenses, existing debts, and the lender's policies. The best way to get a clear picture is to book a chat with Monique. We will go through your numbers together and give you a realistic figure before you start house hunting.
A 20% deposit is ideal as it avoids lenders mortgage insurance. However, many lenders will accept as little as 5% with LMI, and some government schemes allow qualifying first home buyers to borrow with a 5% deposit without paying LMI. Monique will help you work out the best path given your savings.
Pre-approval is a conditional sign-off from a lender that says they are likely to lend you up to a certain amount, subject to finding a suitable property. Full approval comes once you have found a property and the lender has assessed it. Pre-approval is a great way to shop with confidence.
A broker acts on your behalf to research, compare and apply for a loan that suits your situation. We have access to a wide panel of lenders and handle the application process for you. Our service to you as a borrower is generally free. We are paid a commission by the lender once your loan settles.
Yes. Self-employed borrowers can access home loans, though the documentation requirements are different from PAYG applicants. Lenders typically want to see two years of tax returns and business financials. Some lenders also offer low-doc options. Monique works with self-employed clients regularly and knows how to present your application in the strongest way.
Once a completed application is submitted, approval can take anywhere from a few days to a few weeks depending on the lender and the complexity of your situation. Monique keeps you informed throughout and chases the lender on your behalf so you are never left wondering what is happening.

Ready to Get Your Home Loan Sorted?

Monique is based in Rockhampton and works with clients across Central Queensland. Give her a call today.

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