First home buyers in Queensland may be eligible for several government incentives, including:

- First Home Owner Grant (FHOG): A one-time payment of $30,000 (as of 2024) for new homes valued under $750,000. This includes newly built homes, off-the-plan purchases, and substantial renovations.

- Stamp Duty Concessions: First home buyers purchasing a home valued under $500,000 may qualify for a full exemption from stamp duty. Concessions also apply up to $550,000 on a sliding scale.

- First Home Guarantee (under the Home Guarantee Scheme): Allows eligible first home buyers to purchase with as little as 5% deposit, without paying Lenders Mortgage Insurance (LMI), subject to property price caps and other criteria.

Cube Loans can help you determine your eligibility and guide you through the application process for these grants and schemes.

Traditionally, lenders prefer a 20% deposit, but first home buyers can often get into the market with as little as:

- 5% deposit with the First Home Guarantee

- 10% deposit for other loan products with LMI

Cube Loans can also assist with low deposit loan options and help you calculate your borrowing power based on your income, debts, and credit score.

Working with a Cube Loans broker ensures you're matched with a lender that suits your financial situation and goals.

Yes – under the First Home Super Saver (FHSS) Scheme, eligible first home buyers can withdraw voluntary super contributions to help fund their deposit:

- Up to $15,000 per year and a maximum of $50,000 total

- Includes both voluntary concessional and non-concessional contributions

- The FHSS Scheme allows you to benefit from the tax advantages of super while saving for your home

Cube Loans can work alongside your accountant or financial planner to help you leverage this strategy effectively.

Getting started is easier than you think:

Book a free consultation with a Cube Loans broker – online, over the phone, or in-person.

1. Review your finances – we’ll help assess your income, expenses, credit score, and any existing debts.

2. Determine your borrowing power and eligibility for government grants.

3. Compare loan options from over 30 lenders to find the best fit for you.

4. Get pre-approved so you can shop with confidence.

5. Support through to settlement – we manage the paperwork and negotiation with lenders.

Cube Loans is with you every step of the way to make your first home purchase smooth and stress-free.

While a 20% deposit is ideal to avoid Lenders Mortgage Insurance (LMI), many Queensland buyers secure a home loan with as little as 5-10% deposit. For example, if you're purchasing a $600,000 property, a 10% deposit would be $60,000. Keep in mind that lower deposits often mean paying LMI, which protects the lender, not you.

At Cube Loans, we help you understand your borrowing capacity and assess which lenders offer the best solutions based on your deposit size, so you don’t miss opportunities in a competitive market.

In addition to your monthly repayments, you'll need to budget for:

- Council rates

- Home insurance

- Maintenance and repairs

- Utilities (electricity, water, gas)

- Strata fees (if buying an apartment or townhouse)

- Mortgage fees (such as annual package fees)

Understanding these costs upfront is crucial. Cube Loans can help you create a clear cost breakdown so you're financially prepared for long-term homeownership.

Yes. Refinancing is a common strategy used by Queensland homeowners to reduce interest rates, access equity for renovations or investments, or switch to a more suitable loan structure.

With interest rates and bank policies constantly evolving, Cube Loans regularly reviews client loans to make sure you're not overpaying. We compare options across major banks and non-bank lenders to get you a better deal without the hassle.

That depends on your financial goals and risk tolerance:

- A fixed rate offers repayment certainty, ideal for budgeting and avoiding rate rises.

- A variable rate often provides more flexibility, such as offset accounts and extra repayments.

In Queensland's fluctuating housing market, many homeowners opt for split loans (part fixed, part variable) to balance certainty with flexibility. Cube Loans can guide you through the pros and cons of each option, tailored to your situation.

A property investment loan is designed specifically for purchasing real estate that you intend to rent out or hold for capital growth, rather than live in. 

While both property investment loans and standard home loans share similar structures (e.g., principal and interest or interest-only repayments), lenders often assess investment loans with more scrutiny. This can mean slightly higher interest rates or stricter eligibility criteria, as lenders view investment properties as higher-risk compared to owner-occupied homes.

At Cube Loans, we help you navigate these nuances and identify the most competitive and suitable loan options aligned with your investment goals.

Generally, lenders require a minimum deposit of 10% to 20% of the property’s purchase price for an investment loan. However, providing a larger deposit can reduce your Loan-to-Value Ratio (LVR), potentially giving you access to better interest rates and avoiding Lenders Mortgage Insurance (LMI).

We assist our clients in structuring their finances strategically—sometimes leveraging equity in an existing property—to minimise upfront costs and maximise investment returns.

Yes, using equity in your existing home is one of the most popular ways to finance a new investment property. Equity is the difference between your property’s current market value and the balance of your mortgage. If you've built up sufficient equity, you may be able to access funds without a cash deposit, by either refinancing or using a line of credit.

At Cube Loans, we’ll calculate your usable equity and advise on how to leverage it without overextending your financial position.

In most cases, yes - interest paid on your investment property loan is tax-deductible because it’s considered a cost incurred in generating rental income. Other potential deductions include property management fees, maintenance costs, and depreciation.

That said, tax laws can be complex and frequently change. We recommend speaking with a qualified tax accountant. Meanwhile, Cube Loans ensures your loan is structured effectively to align with both your financial and tax objectives.

The amount you can borrow for a new car loan with Cube Loans depends on several factors including your income, credit history, existing financial commitments, and the type of vehicle you’re purchasing. Most lenders offer loans ranging from $5,000 to over $100,000. 

At Cube Loans, we help you understand your borrowing power and match you with a lender that suits your budget and lifestyle goals.

To apply for a new car loan, you’ll generally need:

- Proof of identity (e.g., driver’s licence or passport)

- Proof of income (e.g., payslips or tax returns)

- Bank statements (usually last 90 days)

- Details of the vehicle (e.g., invoice or quote from the dealership)

Cube Loans makes this process easy by guiding you through each step and ensuring your application is lender-ready.

Yes, it’s possible to get a car loan with bad credit, although the interest rate and loan conditions may differ. Cube Loans works with a wide panel of lenders, including those who specialise in bad credit car loans, so we can help you explore your options and find a solution that meets your needs.

A secured car loan uses the vehicle as collateral, which usually results in lower interest rates. An unsecured loan, on the other hand, doesn’t require the car as security but may attract a higher interest rate. At Cube Loans, we help you compare both options to find the right fit for your financial situation and goals.

At Cube Loans, we offer a range of flexible business finance options to suit your specific needs. Whether you're looking to expand your operations, purchase equipment, manage cash flow, or refinance existing debt, we can match you with the right lender.

Our lending partners include traditional banks and non-bank lenders, enabling us to offer:

- Secured and unsecured business loans

- Equipment and asset finance

- Line of credit facilities

- Short-term and long-term funding options

We work closely with you to understand your goals and connect you with tailored solutions that support your business growth.

To apply for a business loan through Cube Loans, you'll typically need to provide:

- Valid identification

- Details about your business such as an ABN/ACN, industry, and trading history

- Recent financial statements or bank statements, usually the last 6–12 months

- Proof of income or revenue streams

Some lenders may require a business plan or cash flow forecast, depending on the loan type and amount requested. Don’t worry—our expert brokers will walk you through the process and help you gather everything you need.

The amount you can borrow depends on several factors, including your business’s financial health, revenue, credit history, and the type of loan you're applying for. At Cube Loans, we offer:

- Unsecured loans starting from $5,000 up to $500,000

- Secured loans that can exceed $500,000, depending on the available collateral

We help assess your borrowing capacity and ensure you don’t overcommit, so you get funding that works for you, not against you.

One of the key advantages of working with Cube Loans is speed. We understand that timing is critical for business decisions. Once you've submitted the required documents:

- Unsecured business loans can be approved and funded in as little as 24 to 72 hours

- Secured loans or more complex finance types may take a few days longer due to extra documentation or valuation requirements

Our team works quickly and efficiently to ensure you get the funds you need without delay.

Home loan refinancing is the process of replacing your current mortgage with a new one—either through your existing lender or a new lender, usually to secure a better interest rate, access equity, or restructure your loan terms. 

At Cube Loans, we guide you through comparing options that suit your financial goals. Once you choose a better loan, the new lender pays off your existing mortgage and you start repayments on the new terms. This can lead to savings on interest, lower monthly repayments, or greater financial flexibility.

Refinancing may be worth considering if:

- Your current interest rate is higher than what's available on the market

- Your fixed rate is about to expire

- You want to switch from a variable to a fixed rate (or vice versa)

- You’re planning to consolidate debt

- You need access to your home’s equity for renovations or investments

Our experienced brokers at Cube Loans can assess your current loan and advise if the timing is right based on your financial situation and the latest lending products.

While refinancing can save you money in the long run, there are some upfront costs to consider:

- Discharge fees from your current lender

- Application or establishment fees for the new loan

- Government fees such as mortgage registration

- Lenders Mortgage Insurance if your equity is below 20%

At Cube Loans, we help you calculate the total cost of refinancing to ensure the long-term savings outweigh any short-term expenses. In many cases, we can negotiate with lenders to reduce or waive some of these costs.

Refinancing can temporarily impact your credit score due to credit checks and loan enquiries. However, responsible refinancing, especially if it reduces your debt or improves your repayment terms - can positively influence your credit profile in the long term.

Your borrowing power might also be reassessed during the application process, particularly if your income or expenses have changed. Cube Loans ensures you're matched with lenders that suit your financial profile, helping to minimise any negative impact and strengthen your application.

Home loan pre-approval (also known as conditional approval) is an indication from a lender of how much you can potentially borrow, based on your financial situation. While not a guarantee of final approval, it helps you understand your borrowing capacity and demonstrates to real estate agents and sellers that you're a serious buyer. 

At Cube Loans, we help streamline this process, giving you the confidence to shop for your dream home within a realistic budget.

Most home loan pre-approvals are valid for 60 to 90 days, depending on the lender. If you haven't purchased a property within that time frame, the pre-approval may need to be renewed, which can involve resubmitting updated financial information. 

Cube Loans can help monitor expiry dates and manage extensions if needed, keeping your home buying journey on track.

Yes, in most cases, lenders will conduct a credit check as part of the pre-approval process. This can result in a small, temporary impact on your credit score. 

However, when done strategically, such as working with an expert broker like Cube Loans who compares options on your behalf—the effect is minimal, and the long-term benefit of securing the right home loan often outweighs this.

To apply for pre-approval, you typically need to provide:

- Proof of identity

- Recent payslips or income statements

- Details of current assets and liabilities

- Bank statements

- Information on living expenses

At Cube Loans, we simplify this process by guiding you through every document required, ensuring your application is complete and has the best chance of success.

You can use a personal loan for a wide range of purposes, depending on your needs. Common reasons include consolidating existing debts, covering unexpected medical expenses, funding a holiday, buying a car, renovating your home, or planning a wedding. 

At Cube Loans, we tailor personal loan options to suit your specific goals, ensuring flexibility and competitive interest rates for Queenslanders.

The amount you can borrow typically ranges from $2,000 to $100,000, depending on your financial situation, credit history, income, and the lender's assessment criteria. 

Cube Loans works with a panel of trusted lenders across Australia to help you secure the best possible loan amount and repayment terms that suit your budget.

Yes, in most cases, applying for a personal loan involves a credit check, which may have a minor and temporary impact on your credit score. However, Cube Loans offers a free loan eligibility check that doesn't impact your credit rating, helping you explore your options without the risk of harming your credit profile.

To apply for a personal loan through Cube Loans, you’ll typically need:

- Valid photo ID (e.g. driver’s licence or passport)

- Proof of income (recent payslips or tax returns)

- Bank statements (usually the last 3 months)

- Details of any existing debts or financial commitments

We make the application process simple and secure, with fast approvals and minimal paperwork.

A commercial loan is a type of finance used to purchase, develop, or refinance commercial property or business assets. 

In Queensland, commercial loans are often used by small to medium-sized enterprises (SMEs) to buy warehouses, offices, retail spaces, or for business expansion. These loans can be secured or unsecured and are typically assessed on the strength of your business, cash flow, and the property’s value. 

At Cube Loans, we help Queensland businesses access tailored commercial finance solutions with competitive rates from trusted lenders.

In Queensland, most lenders require a deposit of 20% to 30% of the commercial property’s value. However, your credit history, financials, and type of property can influence the deposit amount. Some lenders may consider lower deposits if the borrower has strong financials or additional security. 

At Cube Loans, we can assess your individual situation and match you with a lender offering low-deposit commercial property loans tailored to your needs.

Yes, you can use a Self-Managed Super Fund (SMSF) to purchase commercial property with a commercial loan in Queensland, provided it complies with the ATO’s SMSF borrowing rules. This is often done through a Limited Recourse Borrowing Arrangement (LRBA). Many business owners in Brisbane and across QLD use SMSFs to purchase office space or industrial property, then lease it back to their own business. 

Cube Loans has experience in arranging SMSF commercial loans, ensuring both compliance and competitive rates.

Commercial loan interest rates in Queensland typically range from 6% to 10%, depending on the lender, loan type, and risk profile. Rates can vary based on whether the loan is secured, the size of the loan, and your business’s financials. Fixed and variable rate options are available. 

At Cube Loans, we compare rates from a panel of commercial lenders to find you the most competitive offer for your business or investment needs.

Asset finance allows Queensland businesses and individuals to purchase or lease equipment, vehicles, or machinery without paying the full amount upfront. Instead, a lender provides the funds for the asset, and the borrower repays the loan over a set term with interest. 

Asset finance can be structured as a chattel mortgage, hire purchase, lease, or novated lease depending on your business needs. 

At Cube Loans, we work with a range of lenders to secure competitive asset finance solutions that align with your goals, whether you're expanding your fleet or upgrading your tools.

Asset finance in Queensland covers a wide range of new and used assets including:

- Vehicles including cars, utes, trucks and trailers

- Machinery and equipment  for construction, medical, manufacturing etc

- Technology like computers and office equipment

- Agricultural tools such as tractors and harvesters

Whether you're a tradie in Brisbane or a farmer in Toowoomba, Cube Loans can help finance the tools you need to grow your business. We tailor solutions to match your industry, cash flow, and tax requirements.

Yes, asset finance can offer tax benefits to Queensland business owners under Australian tax law. For instance:

- With a chattel mortgage, you may claim GST on the asset's purchase price.

- Depreciation and interest expenses are generally tax-deductible.

- Under the instant asset write-off scheme, eligible businesses can deduct the full cost of qualifying assets up to a certain threshold.

It's essential to speak with your accountant for tailored advice. Cube Loans ensures your asset finance strategy aligns with both your financial and tax planning goals.

To qualify for asset finance, most Queensland lenders will consider:

- Your business trading history, typically 6–12 months minimum

- Credit score and financial position

- Type and value of the asset

- Whether you're applying as a business or individual

If you're self-employed, a startup, or have limited documentation, Cube Loans can still assist. We offer access to low-doc and flexible lending options to suit different financial backgrounds.

In Queensland, businesses can access a wide range of business loans designed to support growth, cash flow, and equipment needs. Common options include:

- Unsecured Business Loans: Ideal for quick access to capital without collateral.

- Secured Business Loans: Backed by assets like property or vehicles, offering lower interest rates.

- Business Line of Credit: A flexible option for managing ongoing expenses or cash flow gaps.

- Invoice Financing: Use unpaid invoices to access immediate working capital.

- Commercial Property Loans: Perfect for purchasing or refinancing commercial real estate.

At Cube Loans, we help Queensland businesses compare and secure the right loan option tailored to your goals, financial profile, and industry.

Yes, even with bad credit, it's still possible to secure a business loan in Queensland. While traditional lenders like banks may have stricter requirements, many non-bank lenders and alternative finance providers focus on your current business performance, cash flow, and revenue rather than just your credit score.

Cube Loans works with a network of over 60 lenders, including those who specialise in helping small businesses and startups with less-than-perfect credit histories. We'll help you find the right lender who considers your overall business potential.

The amount you can borrow depends on several factors, including your:

- Business turnover

- Credit history

- Length of time in business

- Loan type (secured vs. unsecured)

In general, Queensland small businesses can access loans ranging from $5,000 to $500,000 or more, depending on eligibility. For example, unsecured loans typically range from $10,000 to $250,000, while secured loans or asset-backed finance can go significantly higher.

At Cube Loans, we’ll assess your business needs and financial health to help you unlock the maximum loan amount you qualify for, without overextending your business.

Approval times vary depending on the lender and the type of loan, but many businesses in Queensland can receive approval within 24 to 48 hours, especially for unsecured business loans and short-term financing.

For faster approval:

- Have your financial statements and bank statements ready

- Clearly outline your loan purpose

- Work with a broker like Cube Loans to streamline the process

Our team specialises in fast-tracking applications, ensuring Queensland businesses like yours access the funds they need—quickly and hassle-free.

A construction loan is a type of home loan designed specifically for those building a new home or undertaking significant renovations. 

In Queensland, construction loans differ from standard home loans as the funds are released in stages, known as "progress payments," as construction milestones are completed. Typically, you’ll only pay interest on the funds drawn down during each stage, which helps manage cash flow throughout the build.

At Cube Loans, we guide you through the process, from pre-approval to the final handover, ensuring you're prepared for each phase. Whether you're building in Brisbane, the Gold Coast, or regional Queensland, our expert brokers can help tailor a construction loan that meets your needs.

In most cases, lenders in Queensland require a minimum deposit of 5% to 20% of the total land and construction cost. However, this may vary depending on your financial profile, credit history, and whether you’re eligible for government grants like the First Home Owner Grant (FHOG) in Queensland, which can assist with upfront costs.

Cube Loans can help you determine your borrowing power and deposit requirements. We work with a wide range of lenders to find competitive options, including low-deposit construction loans for eligible buyers.

Yes, Queensland residents may be eligible for the First Home Owner Grant (FHOG), which currently offers $30,000 (as of 2025) to first-time buyers building a new home valued under a specific threshold. Additional incentives such as stamp duty concessions may also apply depending on your circumstances and location.

Our Cube Loans team can assess your eligibility and help you structure your construction loan to maximise these benefits. We stay updated on all Queensland government incentives to ensure you don’t miss out on valuable savings.

Construction loans are disbursed in five to six progress payments, each aligned with a stage of the build. In Queensland, the typical stages are:

- Deposit/Slab Stage

- Frame Stage

- Lock-Up Stage

- Fixing Stage

- Completion Stage

Each stage must be certified by your builder before funds are released. Interest is only charged on the funds drawn at each stage, helping reduce repayments during construction.

At Cube Loans, we liaise with your builder and lender to ensure smooth progress payments and minimise delays. Our streamlined approach ensures transparency and efficiency throughout your project.

A Self-Managed Super Fund (SMSF) loan, also known as a Limited Recourse Borrowing Arrangement (LRBA), enables your SMSF to borrow funds to invest in assets like residential or commercial properties. 

In Queensland, this involves establishing a separate trust (bare trust) to hold the asset until the loan is repaid. The lender's recourse is limited to the asset purchased, protecting other assets within the SMSF. This structure allows trustees to leverage their superannuation to invest in property while adhering to strict compliance regulations. 

Typically, SMSFs can borrow up to 80% of a property's value for residential investments and around 70% for commercial properties. 

For example, if you're purchasing a residential property in Brisbane valued at $500,000, your SMSF could borrow up to $400,000, requiring a $100,000 deposit from the fund's existing balance. It's essential to ensure your SMSF has sufficient liquidity post-purchase to cover ongoing expenses and meet lender requirements. 

No, SMSFs are prohibited from acquiring residential properties from related parties or allowing fund members and their relatives to live in or rent the property. 

However, for commercial properties, your SMSF can purchase from or lease to a related party, provided it's done on an arm's length basis and at market rates. This is particularly beneficial for business owners in Queensland looking to have their SMSF own their business premises.

Benefits:

- Potential tax advantages, such as concessional tax rates on rental income and capital gains.

- Diversification of your superannuation portfolio through direct property investment.

- Greater control over investment decisions and asset selection.

Risks:

- Higher costs compared to traditional loans, including setup fees and interest rates.

- Strict compliance requirements; non-compliance can lead to significant penalties.

- Limited liquidity, as property is not easily converted to cash, which can impact the fund's ability to meet obligations.

It's crucial to consult with financial and legal professionals to assess whether an SMSF loan aligns with your retirement strategy and risk tolerance.