Helping buyers across the Gold Coast and Brisbane compare lenders, get pre-approved, and settle on a home loan that fits — without the bank runaround.
Buying a home is likely the biggest purchase you will ever make. While owning a home is empowering, the “Great Australian Dream” can quickly become a headache if your loan isn’t aligned with your long-term goals. We engage in real conversations to ensure your mortgage helps you realise your dreams, rather than hindering them.
Instead of applying to one bank and hoping for the best, you apply once through us — and we take your situation to the lenders most likely to approve it at a competitive rate.
We start by understanding your income, your deposit and what you're trying to achieve. From there, we compare your options across a wide panel of lenders, recommend the loan that fits, and handle the application, the paperwork and the back-and-forth with the lender. You stay in the loop the whole way through, and in most cases our service costs you nothing — we're paid by the lender once your loan settles, and we explain exactly how that works upfront.
We help all kinds of buyers across South-East Queensland, including:
First home buyers are finding their feet and wanting someone to explain the process in plain
Upgraders and downsizers moving to the next home and juggling a sale and a purchase.
Self-employed buyers who need a lender that understands how their income really works.
Buyers who've been knocked back before and assume the answer is always no — often it isn't, with the right lender.
Anyone who wants pre-approval sorted before they start going to open homes.
How much you can borrow comes down mainly to your income, your everyday expenses and your deposit — but a smart loan structure can stretch it further than you might expect.
As a rough guide, most lenders look for a deposit of around 5–20% of the purchase price. If your deposit is under 20%, you can usually still buy, but you may pay Lenders Mortgage Insurance (LMI) — a one-off cost that protects the lender, not you. A few terms worth knowing: your LVR (loan-to-value ratio) is how much you're borrowing against the property's value; borrowing capacity is the maximum a lender will lend you; and pre-approval is a lender's conditional "yes" before you've found a place. We'll work out your borrowing power for free and walk you through the process.
Getting started is simpler than most people expect. To give you accurate advice, we'll usually ask for:
Don't worry if you don't have everything ready — we'll tell you exactly what's needed and help you pull it together.
Our home loan process, step by step
You'll work directly with founder Antony Chan, who spent more than 2 decades inside the banking industry before starting BOC — so you've got someone who knows how lenders think and how to get a "yes." We're local to the Gold Coast and Brisbane, we keep you with one point of contact from start to finish, and our focus is the relationship, not the transaction.
Most lenders look for somewhere between 5% and 20% of the purchase price. With less than 20% you can often still buy, though Lenders Mortgage Insurance may apply. We'll look at your situation and explain the deposit options that work for you, including any grants or schemes you may be eligible for.
Yes — it's one of the smartest first moves. Pre-approval tells you your budget with confidence, shows agents you're a serious buyer, and means you can act quickly when you find the right place. We can usually arrange it early in the process.
In most cases, no. BOC Finance is generally paid by the lender once your loan settles, so there's usually no cost to you. If a particular loan involves a fee, we'll make that clear before you proceed.
Often, yes. Self-employed income is assessed differently by different lenders, and part of our job is knowing which lenders suit your situation. Bring your recent tax returns and financials, and we'll talk you through what's possible.
It varies by lender and how complete your documents are, but many clients have pre-approval within a few days of submitting their information. We'll give you a realistic timeline upfront and chase the lender so you don't have to.
Yes — first home buyers in Queensland may be able to access support like the First Home Owner Grant, stamp duty concessions, and federal schemes that help you buy with a smaller deposit. Eligibility changes from time to time and depends on your situation, so we'll check what you may qualify for and factor it into your plan from the start.
Book a free, no-obligation chat, and we'll help you work out your borrowing power and your next step — wherever you are.