Best Mortgage Brokers Sunshine Coast 2026 – 7 Top Picks
The Sunshine Coast property market has changed substantially over the last five years — median house prices have risen sharply across Maroochydore, Buderim, Mooloolaba, Caloundra and the Noosa pocket, and APRA’s serviceability buffer (currently 3.0%) is still squeezing borrowing capacity for many local buyers. In that environment, the right mortgage broker can be the difference between settling on the property you want and missing out by $40,000–$80,000 of borrowing power.
This guide is an editorial shortlist of seven Sunshine Coast mortgage brokers we believe stand out in 2026, based on a balanced assessment of credentials, industry recognition, public reviews, service breadth and geographic coverage. It is not a paid ranking. Every claim in this guide is sourced, and any claim we couldn’t verify is flagged for manual checking.
On this page
Quick answers
- Best overall: Mason Finance Group (Maroochydore)
- Best for first home buyers: Mason Finance Group or Loan Wize
- Best for property investors: BrokerCo (Maroochydore)
- Best for refinancing: TSC Mortgage Brokers (Caloundra)
- Best for SMSF & complex lending: Orchard Mortgage Brokers (Mooloolaba)
- Best for Noosa & northern Sunshine Coast: Evolve Loans (Noosaville)
- Best long-established local: Sunshine Coast Financial Solutions (Sippy Downs)
Comparison table
Swipe across to compare the businesses.
| # | Business | Suburb | Best for | Google rating | Key credential / signal |
|---|---|---|---|---|---|
| 1 | Mason Finance Group | Maroochydore | Best overall, awards-recognised | 5.0★ (900+ reviews per website) | MPA 2024 Top 24 Brokerage AU; Advisor Awards 2024 Finalist |
| 2 | BrokerCo | Maroochydore | Investors & complex scenarios | 5.0★ | Connective Platinum/Elite Broker badge |
| 3 | Orchard Mortgage Brokers | Mooloolaba | SMSF, commercial, construction | 5.0★ | Two offices (Mooloolaba + Paddington); broad lending panel |
| 4 | TSC Mortgage Brokers | Caloundra | Refinancing & long-term advice | 5.0★ | FBAA-aligned; 50+ lender panel; 2,000+ clients (claimed) |
| 5 | Loan Wize | Buderim | Established local, education-led | 5.0★ | Founded July 2009; owner-operator; broking since 2005 |
| 6 | Evolve Loans Sunshine Coast | Noosaville | Noosa & northern Sunshine Coast | 5.0★ | Self-employed & investment specialisation |
| 7 | Sunshine Coast Financial Solutions | Sippy Downs | Long-standing client relationships | 5.0★ (737 reviews per website) | Multi-decade client testimonials; broad product mix |
How we selected these brokers
Each shortlisted brokerage was assessed against the following weighted criteria:
| Criterion | Weight |
|---|---|
| Industry credentials (ACL/credit rep, MFAA/FBAA membership, aggregator tier) | 20% |
| Google rating and verifiable review volume | 20% |
| Service specialisation and product breadth | 15% |
| Local Sunshine Coast presence and geographic coverage | 20% |
| Third-party industry recognition (MPA, The Advisor, FBAA/MFAA awards) | 15% |
| Website transparency, contact accessibility and disclosed remuneration model | 10% |
For mortgage broking — a high-trust, regulated industry — we weighted credentials, professional body membership and award recognition more heavily than for casual industries. A 5-star Google rating on its own is not enough.
Our Top 7 Sunshine Coast Mortgage Brokers in Detail
Mason Finance Group
Best overallMaroochydore, QLD
Mason Finance Group sits at the top of this guide because of one unusual feature in regional Queensland broking: independently verified industry recognition. In 2024 the firm was included in MPA's Top 24 Brokerages in Australia ranking, and was named a finalist in two separate categories at The Advisor Australian Broking Awards (Regional Office of the Year and Independent Office of the Year). These are external editorial recognitions, not self-administered titles.
Why they made the list: Award-recognised, very high public review volume (900+ five-star Google reviews referenced on their site), broad lending mix (home, refinance, investment, construction, self-employed, guarantor, asset, commercial), and clear local Maroochydore presence.
Best suited for: First home buyers, refinancers, investors and clients who want a brokerage with externally recognised credentials.
Key services: Home loans, refinancing, investment property loans, land & construction loans, self-employed and guarantor loans, asset finance, commercial loans.
Things to check before booking: Confirm current ACL/credit representative number on ASIC Connect; re-verify award claims with MPA and The Advisor.
Contact
Office 5, Level 1, 61-63 Primary School Court, Maroochydore QLD 4558
BrokerCo
Best for investors and complex scenariosMaroochydore, QLD
BrokerCo earns its place mostly through community signal — when Sunshine Coast borrowers ask on Reddit or local Facebook groups who to use, BrokerCo (and broker Jodie Roy in particular) is consistently named.
Why they made the list: Operates as an authorised credit representative under the Connective aggregator group and displays the Connective Elite Broker and Platinum Broker performance badges. Strong local word-of-mouth.
Best suited for: Investors, multi-property owners, refinancers and debt consolidators, and borrowers with self-employed or multi-entity structures.
Key services: Home loans, investment property, land & construction, refinancing & debt consolidation, asset & equipment finance, car & personal loans.
Things to check before booking: Confirm ACL/credit representative number via ASIC Connect; confirm aggregator and lender panel for your scenario.
Contact
Level 1, 11/55 Maroochy Boulevard, Maroochydore Homemaker Centre, Maroochydore QLD 4558
Orchard Mortgage Brokers
Best for SMSF, commercial & constructionMooloolaba, QLD
Orchard's standout feature is breadth. The firm explicitly handles SMSF property lending, commercial loans, commercial construction finance and commercial vehicle/equipment loans alongside standard residential work — areas that not every Sunshine Coast broker is set up for.
Why they made the list: Two-office structure (Mooloolaba + Paddington), broad product panel including SMSF and commercial construction.
Best suited for: SMSF trustees, business owners, commercial property buyers, clients with property across the Sunshine Coast and Brisbane.
Key services: Home loans, refinancing, investment finance, first home buyer loans, construction loans, SMSF finance, commercial loans, commercial construction, and asset finance.
Things to check before booking: Confirm ACL/credit representative number; ask which lenders are on the panel for SMSF specifically.
TSC Mortgage Brokers
Best for refinancing & long-term adviceCaloundra, QLD
TSC Mortgage Brokers (trading as The Savings Centre) leads on refinancing and long-term advisory positioning. The firm claims 2,000+ clients over a decade, a panel of 50+ lenders, and a Queensland Broker of the Year recognition (verification recommended).
Why they made the list: Strong refinance focus, very broad product range (including subdivision and development finance — uncommon locally), FBAA-aligned operations.
Best suited for: Refinancers, mature-age borrowers, medical/professional borrowers, developers, SMSF investors.
Key services: Home loans, refinancing, first home buyer support, self-employed home loans, investment property finance, construction & renovation, SMSF lending, land subdivision & development finance, equipment & business finance.
Things to check before booking: Verify the Queensland Broker of the Year claim with FBAA or MFAA Queensland; confirm ACL/credit representative number; confirm current lender panel size.
Loan Wize
Best established local owner-operatorBuderim, QLD
Loan Wize was founded in July 2009 by Tammy Lee and Jon Colley, who have both been brokers since 2005. That makes the firm one of the longer-running independent broking brands on the Sunshine Coast.
Why they made the list: Owner-operator service (clients deal directly with the business owners), 16+ years under current brand, education-led property investment content.
Best suited for: Borrowers who want continuity of relationship across multiple transactions; property investor education; clients across Sunshine Coast and Moreton Bay.
Key services: Home loans, construction loans, refinancing, investment property loans, business loans, car loans, equipment finance.
Things to check before booking: Confirm ACL/credit representative number; confirm current MFAA or FBAA membership.
Evolve Loans Sunshine Coast
Best for Noosa & northern Sunshine CoastNoosaville, QLD
Evolve Loans is the most prominent locally-based mortgage broker in the Noosa pocket — a meaningful advantage if you live north of Coolum and don't want to drive to Maroochydore for face-to-face meetings.
Why they made the list: Noosaville location servicing an under-represented part of the Sunshine Coast, explicit specialisation in self-employed and investment lending, transparent disclosure of broker remuneration on the website.
Best suited for: Borrowers based in Noosa, Tewantin, Sunshine Beach, Peregian, Coolum and the Noosa hinterland; self-employed applicants and investors.
Key services: home loans, refinancing, investment property loans, self-employed home loans, first home buyer support, and pre-approval.
Things to check before booking: Confirm ACL/credit representative number; confirm current MFAA or FBAA membership.
Sunshine Coast Financial Solutions
Best long-standing client relationshipsSippy Downs, QLD
Sunshine Coast Financial Solutions (SCF) appears repeatedly in client testimonials with phrases like "10 years now" and "the last 20 years" — a level of client retention rare in mortgage broking.
Why they made the list: Large public review base (737 referenced on website), central Sippy Downs location, late weekday opening hours (until 6pm Mon–Thu), broad product mix including SMSF and commercial.
Best suited for: Borrowers who want a long-term broker across home, business and SMSF lending; clients in the Sippy Downs / Mountain Creek / Buderim / Maroochydore corridor.
Key services: Home loans, SMSF loans, commercial & construction loans, investment loans, vehicle & equipment loans, business loans.
Things to check before booking: Confirm ACL/credit representative number; verify review count on the live Google Business Profile.
What to look for in a Sunshine Coast mortgage broker
- Licensing. All Australian mortgage brokers must hold an Australian Credit Licence (ACL) or be an authorised credit representative (ACR) of one. Look this up on ASIC Connect Professional Registers.
- Professional body membership. Most reputable Australian brokers belong to either the MFAA (Mortgage and Finance Association of Australia) or the FBAA (Finance Brokers Association of Australasia). Both enforce a code of practice.
- Lender panel size. Most active brokers compare 30–60 lenders. A panel of fewer than 20 is unusually narrow.
- Aggregator group. The broker’s aggregator (Connective, AFG, Loan Market, Aussie, Mortgage Choice etc.) determines which lenders are accessible.
- Best Interests Duty (BID). Since 2021, Australian mortgage brokers have a legal Best Interests Duty under the National Consumer Credit Protection Act. Ask how your broker documents BID for your file.
- Remuneration. Most retail home loan brokers are paid commission by the lender and do not charge the borrower a direct fee. Confirm this in writing.
- Local market knowledge. Sunshine Coast lenders treat coastal/flood-zone properties, dual-occ properties and rural-residential acreage differently. A local broker should know this.
Cost guide — what you typically pay
In most retail home loan scenarios on the Sunshine Coast, you will pay no direct fee to a mortgage broker. The broker is paid by the lender via:
- Upfront commission — typically around 0.55–0.65% of the loan amount (excl. GST), paid by the lender at settlement.
- Trail commission — typically around 0.15–0.20% per year of the outstanding loan balance.
Some brokers may charge a fee for complex commercial, SMSF or development scenarios, or for write-up only where a loan does not proceed. This must be disclosed in writing upfront under broker law.
Other costs you will face independently of the broker include lender application fees, valuation fees, settlement fees, government transfer/stamp duty (where applicable), and Lenders Mortgage Insurance (LMI) if your deposit is under 20%.
Questions to ask before you book
- Which lender aggregator do you operate under?
- How many lenders are on your active panel?
- What is your ACL or credit representative number?
- Are you a member of the MFAA or FBAA?
- How are you remunerated, and is there any direct fee to me?
- How do you document Best Interests Duty on my file?
- Who specifically will be handling my file — you, or another team member?
- What is your typical settlement timeline for a scenario like mine?
- Do you handle post-settlement reviews and ongoing servicing?
Frequently asked questions
How much does a mortgage broker cost on the Sunshine Coast?
In most standard residential home loan and refinance scenarios, the broker is paid commission by the lender and there is no direct cost to you as the borrower. For complex commercial, SMSF, development or non-standard scenarios, some brokers may charge a fee — this must be disclosed in writing upfront.
Do Sunshine Coast mortgage brokers actually find better rates than banks?
Brokers don’t always find the lowest sticker rate, but they typically expand the range of eligible lenders — which matters most when borrowing capacity, deposit size, self-employed income or credit history limits what one bank will offer. Under Best Interests Duty (in force since 2021), brokers must recommend products that are in your best interests, not the broker’s.
Are Sunshine Coast mortgage brokers regulated?
Yes. All Australian mortgage brokers must hold an Australian Credit Licence (ACL) or be an authorised credit representative under one, and must comply with the Best Interests Duty under the National Consumer Credit Protection Act 2009 . You can verify a broker’s licensing status on ASIC Connect Professional Registers.
What’s the difference between MFAA and FBAA?
Both are major Australian professional bodies for mortgage and finance brokers. MFAA (Mortgage and Finance Association of Australia) is the larger body. FBAA (Finance Brokers Association of Australasia) is the other primary body. Most reputable brokers belong to one. Membership requires ongoing professional development and adherence to a code of practice.
How long does a home loan take to settle on the Sunshine Coast?
A straightforward pre-approval can take a few business days. From application to settlement is typically 2–6 weeks, depending on the lender, complexity (e.g., self-employed, construction, SMSF), valuation timing, and how quickly documents are provided.
Can a Sunshine Coast mortgage broker help me if I’m self-employed?
Yes. Several brokers on this list (notably Mason Finance Group, BrokerCo, Evolve Loans and TSC Mortgage Brokers) explicitly call out self-employed lending experience. Self-employed applicants generally need 1–2 years of business tax returns and financial statements, though some lenders accept alternative documentation.
Do Sunshine Coast brokers handle SMSF property loans?
Some do, some don’t. SMSF lending is a specialist area — lenders have tightened appetite and structuring is strict under super law. Of our shortlist, Orchard Mortgage Brokers, TSC Mortgage Brokers and Sunshine Coast Financial Solutions explicitly list SMSF lending as a service.
Should I choose a Maroochydore broker or a local Noosa broker if I live in Noosa?
Either can work for residential lending. A locally-based Noosa broker (e.g., Evolve Loans in Noosaville) is more convenient for face-to-face meetings. Brokers based in Maroochydore service Noosa clients regularly and many work via Zoom/phone, so location is less of a barrier than it was. For SMSF, commercial or development scenarios, specialist capability matters more than postcode.
Important disclaimer
This article is general information only. It is not personal financial advice, credit advice or a recommendation to enter into any specific loan product. Mortgage and credit decisions depend on individual circumstances — including income, expenses, existing debts, dependants, employment type and life stage — and require advice from a licensed Australian credit representative or financial adviser who has assessed your situation. Always verify a broker’s licensing status on ASIC Connect and confirm professional body membership directly with MFAA or FBAA before engaging.
Corrections & updates
We aim to keep this guide accurate and current. If you believe a business has been incorrectly described, or you operate a Sunshine Coast brokerage that meets our editorial criteria and should be considered, please contact our editorial team. Verified corrections will be updated and the Last checked date refreshed.
Editorial guide prepared 10 June 2026. Last checked: 10 June 2026.
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About this guide
Written by Best on the Sunshine Coast Editorial Team. Reviewed by Best on the Sunshine Coast Editorial Review. Last reviewed 10 June 2026.
Selections are made independently in line with our selection process and editorial methodology. Spotted something out of date? Tell us and we’ll review it. Best on the Sunshine Coast keeps editorial judgement separate from any commercial relationships.
