Home Loan North Brisbane
Need a simpler, more competitive home loan?
Buying your first Brisbane Northside home, upgrading or just checking your rate, we compare 60+ lenders to find the right loan for your situation.
Meet our directors Tom & Steve Kelly, the local Home Loan experts who work with North Brisbane buyers and investors.
What are the Home Loan steps?
1. Schedule a free chat here
A free 30-minute chat gives you a real borrowing figure instead of an online estimate, plus what it would cost you month to month.
2. We find the right loan options
Fixed or variable, offset or split, the right structure depends on your income and goals. We compare 60+ lenders including the big four, second-tier banks and non-bank lenders to find the fit.
3. Start your application, no pressure
If you decide to go ahead, we prepare the file, deal with the lender and keep you updated through to settlement, so you get one credit enquiry instead of several.
4. Home Loan support!
We're your local Brisbane Northside mortgage brokers, based on Given Terrace in Paddington. Talk to Tom or Steve directly on (07) 3847 9450.
Schedule a call today:
We negotiate with 60+ lenders for you, including the major Australian Home Loan banks & lenders.
How do home loans work with Kelly Brothers Finance?
A home loan is assessed against your income, expenses, existing debts and the property, then compared across our panel of 60+ lenders rather than a single bank's own range.
North Brisbane is a premium market, with Paddington sitting at a median $2.04M and Ashgrove at $1.92M (CoreLogic, March 2026), so how the loan is structured genuinely affects which lenders compete for it. Call (07) 3847 9450 or see our home loan page.
How much deposit do I need for a home loan?
Most lenders want 20% to avoid Lenders Mortgage Insurance, though many will lend to 90% or 95% for strong applicants with LMI covering the shortfall.
On North Brisbane's inner-north prices that 20% is a significant sum, which is why many buyers pay LMI rather than wait years to save the difference. Run your numbers with our borrowing power calculator.
Fixed or variable, which suits North Brisbane buyers?
Fixed rates lock your repayment for one to five years and suit a tight budget, but restrict extra repayments and carry break costs. Variable rates move with the market and usually include a full offset account.
A split loan, part fixed and part variable, is a common structure for Brisbane Northside families wanting certainty without giving up flexibility entirely. We structure this for buyers from Paddington to The Gap.
Why use a North Brisbane broker instead of going direct to a bank?
A bank can only offer its own products. We compare 60+ lenders including the big four, second-tier banks and non-bank lenders, so you see the market rather than one institution's rate card.
We're based at 232 Given Terrace, Paddington, and work right across the inner, middle and outer North Brisbane rings, from Red Hill to Mitchelton. Talk to Tom or Steve on (07) 3847 9450.
