Need a simpler, more competitive home loan?
Your next home loan is a major decision. From researching the best rates, contracts and paperwork, we’re here to help
Or simply call us on 📞 1800 774 756
Your local team of home loan specialists
1. Expert brokers on your side
Banks knock back home loan applications every day - often for reasons that could’ve been avoided. At Cube, you’ve got a team of 11 expert brokers on your side, each with their own area of specialty across home loans, investment lending, business finance and more. We’ll help you cut through the red tape and improve your changes of approval.
2. Tailored to your needs
Every loan is different, and what someone else needs is likely not what you need. We search 1000's of loan options to find the right loan for your needs, simply get in touch here.
3. 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. We stay ahead of this for you.
4. Local experts, trusted by many
We’re proud to be a local team, with over 200 glowing Google reviews from people who’ve trusted us with their finance journey.
We help our home loan clients by helping remove the stress - and helping you get a better deal. Simply contact Scott or Nevada today if you need help:
Scott Beattie
Founder/Co-Owner · Mortgage Broker
Scott loves helping First Home Buyers and helpings Australians save money through refinancin
Nevada Matthews
Co-Owner · Mortgage Broker
Nevada loves working with property investors and business owners
We compare loan options from over 60 leading lenders to find what suits you
✔ We do the loan rate shopping and negotiations
✔ Access to major banks and specialist lenders
✔ We simplify everything
Cube Loans are a multi-award winning brokerage
How much deposit do I need to buy a home in Queensland?
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.
What are the ongoing costs of owning a home in Queensland besides the mortgage?
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.
Can I refinance later to get a better deal?
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.
Should I choose a fixed or variable interest rate?
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.