Looking For A Simpler, Easy To Manage Home Loan?
How KBF help
Your first home loan, or your fifth, is one of the biggest financial decisions you'll make. From simplifying contracts and paperwork – we’re here to help.
Like the homes on your wishlist, no two loans are the same. Step by step, we’ll help you make sense of the nonsense, and work with over 60 banks and lenders to find the loan most suited to your unique needs.
1. Reach out
Our home loan experts are here to help and we're a friendly local North Brisbane team. Simply reach out here.
2. Your loan
We set about finding the right loan for your needs, comparing 60+ most trusted lenders in Australia.
3. Your new home
Our team have a leading loan success rate, we're here to help you secure the home you want.
Why choose Kelly Brothers Finance?
We Keep It Simple
When it comes to your home loan, we make sure that you understand all the steps and requirements, and we make it easy. Finding and buying the right first home is hard enough.
We're Family
We're a family run team, and believe in making sure that you have the right home loan for not only your needs, but your family too, like if you need a guarantor for example.
We're Here Now, And Later
Your home loan is an investment that requires ongoing maintenance, including regular check-ups to make sure you have the best home loan rates and terms now, and in the future. With KBF you don't need to worry.
Glowing 5-Star Reviews
If you're like us, you'll want to read a number of reviews before getting in touch. Please feel free to see our reviews here, from first home buyers to seasoned investors: Our Google Reviews
Meet North Brisbane's home loan experts
We negotiate with over 60 leading lenders for you, including the big four banks.
What do lenders look at when approving a North Brisbane home loan?
When applying for a home loan, lenders typically assess:
- Income & employment stability – A steady income reassures lenders of your repayment ability.
- Credit history – A strong credit score improves your chances of approval.
- Deposit size – A larger deposit can unlock better interest rates and reduce LMI (Lenders Mortgage Insurance).
- Debt-to-income ratio – Lower existing debts can strengthen your application.
At Kelly Brothers Finance, we work with a range of lenders to find the best home loan for your situation, whether you’re a first-time buyer, upgrading, or investing.
Can I use equity from my current home to buy a new property in North Brisbane?
Yes! Equity is the difference between your home’s value and your remaining mortgage. Many homeowners use their equity to:
- Buy a second home
- Upgrade to a larger property
- Invest in real estate
At Kelly Brothers Finance, we help homeowners in North Brisbane unlock equity and structure their loans efficiently. We’ll assess your home’s value, calculate your usable equity, and explore financing options to help you move forward confidently.
How do I buy a new home while selling my current one?
There are several strategies to buy and sell a home at the same time, including:
- Bridging loans – These provide funds to buy before you sell.
- Conditional purchase contracts – You can make an offer on a new home, subject to selling your existing property.
- Extended settlements – This allows more time to sell your current home.
At Kelly Brothers Finance, we specialise in home loan solutions for North Brisbane homeowners. We’ll assess your financial situation and recommend the best strategy to help you secure your dream home without unnecessary stress.
What is a bridging loan, and how does it work when changing homes?
A bridging loan is a short-term loan that helps you buy a new home before selling your current one. It covers the gap between the purchase of your new property and the sale proceeds from your existing home.
At Kelly Brothers Finance, we help North Brisbane homeowners secure bridging loans with flexible repayment options, ensuring a smooth transition. The loan is typically interest-only during the bridging period and converts to a standard home loan once your existing property is sold.
If you’re upsizing, downsizing, or relocating, a bridging loan can provide financial flexibility and peace of mind. Contact us today to explore your options.
