Helping Nurses With No LMI Home Loans

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Why Home Loans for Nurses in Australia Are Better Than Ever!

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Can You Get 90% LVR No LMI Home Loans for
Nurses in Australia?

Hey there! Are you looking for a home loan for nurses and healthcare workers? If you’re a:

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Midwife

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Registered Nurse

then you’ve come to the right place!

At Q Financial, we believe that nurses and healthcare workers play a vital role in the community and deserve the best support and resources. That’s why we’ve made it our mission to help folks like you get the home of their dreams. Nurses and healthcare workers have a unique set of financial needs, and that’s why we have tailored our home loan service specifically for you.

We help nurses and healthcare workers get a better home loan outcome.

When you work with us, we guarantee you that you will get:

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Preferential Treatment

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Access to Lenders Offering 90% No LMI Home Loans

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Quicker Loan Approval

Use pre-tax income to increase your borrowing capacity and become debt-free years sooner. Let’s get started on making your homeownership dream a reality!

In the past, home loans for nurses and healthcare workers did not receive the same benefits as doctors, even though all of them are professionals in the healthcare industry. The good news is that some lenders are now offering a Lenders Mortgage Insurance waiver and lower deposits to nurses looking for home loans.

How Are Home Loans for Nurses Better Now?

What Is Lenders Mortgage Insurance (LMI)?

LMI is a kind of insurance that protects the lender in case you, the borrower, default on your home loan. It’s typically required if you’re borrowing more than 80% of the property’s value. This means if you have less than a 20% deposit, you’ll likely need to pay for LMI. 

The cost of LMI can vary depending on the size of your loan and the loan-to-value ratio (LVR). For example, on a $500,000 mortgage with a 90% LVR, you could be looking at thousands in LMI premiums. While it’s an extra cost, it allows you to buy a home sooner without needing a large deposit. 

How Much Can You Save with LMI Waivers and Discounts?

Here is a table showing examples of the potential financial benefits available to nurses through reduced LMI premiums and discounted interest rates.

Loan Amount Standard LMI LMI Waived for Nurses *LMI Savings Standard Interest Rate (4.5%) Total Interest Discounted Interest Rate (3.9%) Total Interest **Interest Savings Over 30 Years
$300,000 $4,100 0 $4,100 $247,220.73 $209,402.25 $37,818.47
$400,000 $6,900 0 $6,900 $329,627.64 $279,203.01 $50,424.63
$500,000 $6,900 0 $6,900 $412,034.55 $349,003.76 $63,030.79
$600,000 $10,800 0 $10,800 $494,441.46 $418,804.52 $75,636.95
$700,000 $13,500 0 $13,500 $576,848.37 $488,605.27 $88,243.11
$800,000 $16,100 0 $16,100 $659,255.28 $558,406.02 $100,849.26
*LMI Savings: The savings listed under “LMI Savings” represent the amount saved by nurses due to the waiver of LMI. **Interest Savings: The savings under “Interest Savings Over 30 Years” represent the difference in total interest paid over a 30-year loan term when comparing a standard interest rate of 4.5% and a discounted interest rate of 3.9%.

Which Nursing Specialties Qualify for the LMI Waiver?

If you’re one of the following kinds of nurses or healthcare workers, you may be qualified for LMI waivers in Australia:
  • Registered Nurses: They coordinate and deliver patient care, educate individuals about their health conditions, and provide guidance and emotional support to both patients and their families.
  • Clinical Nurses: They are advanced practice registered nurses who provide expert advice on specific conditions or treatment pathways.
  • Midwives: They specialise in pregnancy, childbirth, and postpartum care, paying attention to the health and well-being of both mothers and babies.
  • Nurse Practitioners: They are highly trained registered nurses with additional responsibilities for administering patient care compared to registered nurses, including the ability to prescribe medications.
  • Nurse Educators: They teach and train nursing students and practising nurses, ensuring they are up-to-date with current medical practices and standards.
  • Critical Care Nurses: They provide care for patients with serious, complex, or acute injuries or illnesses, often working in intensive care units.
  • Family Nurse Practitioners: They provide comprehensive healthcare for individual patients and families of all ages, genders, diseases, and body systems.
  • Cardiac Nurses: They specialise in caring for patients with heart diseases and conditions, providing postoperative care and support during cardiac rehabilitation.
  • Aged Care Nurses (Geriatrics Nurses): They focus on the healthcare of elderly patients, managing chronic health conditions and improving their quality of life.
  • Home Health Nurses: They provide at-home care for patients, including those recovering from illnesses, injuries, or surgeries, ensuring they receive medical care in a comfortable environment.
  • Mental Health Nurses: They specialise in caring for patients with psychiatric disorders, providing medical and psychological support.

How to Be Eligible for a Nurse Home Loan?

You don’t need to be working in a hospital setting to be eligible for LMI discounts and LMI home loans for nurses. However, you need to:
  • Have an income of more than $90,000 p.a. (for casual or full-time employment + overtime and allowances)
  • Have a good credit rating
  • Have no history of defaults
  • Buy a property either to invest or live in

How Much Can You Borrow with Home Loans for Nurses?

  • 80% of the purchase price if you have 20% deposit (standard home loan, the fastest option)
  • 90% of the purchase price if you fit the eligibility criteria for nurse home loans
  • 95% of the purchase price, but this comes with more conditions (e.g., reasonable salary, minimal debt, no purchasing of unusual property types)
  • 110% of the purchase price if you go for guarantor loans

What Factors Affect the Borrowing Capacity of Nurses?

Below, we discuss in detail the key factors lenders consider when determining your borrowing capacity:

Income Stability and Type

Lenders look at the stability and type of your income. As a nurse, your base salary, allowances, and other income are all considered. Most lenders use 80% of overtime income, but some are willing to consider 100% for essential service workers like you. Having a steady and verifiable income stream strengthens your borrowing potential.

Types of Income Considered

Shift Penalties & Allowances

Fringe Benefits

Second Job

Salary Sacrifice

Credit History

Lenders prefer borrowers with a clean credit history, free of defaults, bankruptcies, or significant late payments. If you have a good credit score, you are more likely to get your home loan application approved, and you may also enjoy better interest rates and loan terms. Read More

Debt-to-Income Ratio

Lenders check your debt-to-income ratio to gauge how well you can handle additional debt. This ratio reflects the portion of your gross monthly income that you spend on your monthly debt obligations. Keeping this ratio low demonstrates financial responsibility and increases your borrowing capacity.

Employment Length

The duration of your employment also matters. Lenders prefer home loan applicants who maintained employment with their current employer for at least one year or have worked as a nurse for two years. This employment stability reassures lenders of your consistent income and job security.

Savings and Deposit

The amount of savings and the size of your deposit are crucial. Lenders typically require a minimum deposit of 10% of the property’s value. Genuine savings, which are part of your deposit and accumulated over time, show financial discipline and enhance your borrowing capacity.

Loan-to-Value Ratio (LVR)

The LVR compares your loan amount to the appraised value of the property. An LVR of 80% or lower is ideal, as it often means no LMI is required. However, nurses can benefit from LMI waivers even with an LVR of up to 90%.

Property Type and Location

The type and location of the property you intend to buy can influence your borrowing capacity. Lenders assess the potential risks associated with the property, including its resale value. Properties in desirable locations with stable markets are viewed more favourably.

What Nurse Home Loan Features Are Available?

Nurse home loans can have features like offset accounts, redraw facilities, and the option to make additional payments, which can help you manage your mortgage more effectively and pay off your home loan sooner.

Offset Accounts

An offset account is a transactional savings or checking account connected to your home loan. The balance in this account is applied against your loan balance, decreasing the interest you owe. For instance, if you have a home loan of $600,000 and $50,000 in your offset account, you will only pay interest on $550,000. This can result in significant interest savings over the duration of your loan and help you pay off your home sooner without increasing your regular repayments.

Redraw Facilities

A redraw facility gives you access to any extra repayments you’ve made on your mortgage. This feature provides flexibility, enabling you to use these funds if unexpected expenses arise or if you need extra cash for other purposes. By having the option to redraw, you can still make additional payments to reduce your loan principal and save on interest, knowing you can access these funds if needed.

Ability to Make Extra Payments

Making additional payments on your mortgage is a powerful strategy to shorten your loan term and save on interest. Some nurse home loans allow you to make additional repayments without penalty, providing you with the freedom to pay off your loan faster. This flexibility means you can contribute more when you have surplus funds, such as from bonuses or tax returns, accelerating your journey to becoming mortgage-free.

What Is Pre-Approval?

Pre-approval, sometimes called approval in principle or conditional approval, indicates from a lender that you are eligible for a home loan up to a specified amount.

What Are the Benefits of Pre-Approval for Nurse Home Loans?

Pre-approval does not equate to a final approval, but it gives you the following benefits:

Clear Understanding of Your Budget

Pre-approval gives you a clear idea of how much you are qualified to borrow, helping you focus on properties within your budget, which makes the home-buying process become more efficient.

Increased Bargaining Power

Having pre-approval makes you a more attractive buyer to sellers and real estate agents. It shows that you are serious about purchasing and have the financial backing to complete the transaction, giving you an edge in negotiations.

Faster Loan Approval

With pre-approval, much of the groundwork is already done, as the lender has already reviewed your credit history, income, and financial stability, which allows them to give a preliminary nod to your borrowing capacity. This can speed up the final loan approval process once you’ve found a property and made an offer.

Reduced Stress

Knowing your borrowing capacity and having a pre-approval letter can reduce the stress and uncertainty often associated with buying a home. And you can house hunt with confidence, knowing you have the lender’s conditional backing.

How to Get Pre-Approval?

1. Enquiry and Initial Consultation

The pre-approval process starts with an enquiry and an initial consultation. At Q Financial, we specialise in helping nurses secure the best home loans, including getting pre-approval. You can book a free meeting with us to get started.

2. Documentation

You will need to provide documentation to support your pre-approval application. This includes:
  • Proof of income (such as payslips and PAYG statements)
  • Evidence of current employment status with a healthcare provider or hospital
  • Proof of savings (generally around 5-10% of the property price)
  • Identification documents

3. Assessment

The lender will evaluate your home loan application based on your documentation, credit history, and financial situation. They will review your income, expenses, debts, and savings to determine your borrowing capacity.

4. Issuance of Pre-Approval

Once the assessment is complete, you will receive a pre-approval letter from the lender. This letter indicates the amount you are conditionally approved to borrow, subject to final approval.

What Are the Available Government-Backed Programs for Nurse Home Loans in Australia?

Australia offers several government-backed home loan programs to make homeownership more accessible and affordable for people, including nurses and healthcare workers. Here are some of the top programs you can benefit from:

First Home Guarantee (FHBG)

The First Home Guarantee (FHBG), previously called the First Home Loan Deposit Scheme (FHLDS), is an initiative that helps eligible first home buyers purchase a home with as little as a 5% deposit without needing to pay LMI.

Family Home Guarantee

The Family Home Guarantee is a program designed to assist single parents, including nurses, in purchasing a home with a deposit as low as 2%.

First Home Owner Grant (FHOG)

The First Home Owner Grant (FHOG) offers a one-time payment to individuals buying their first home. The grant amount varies by state and territory, but it can significantly reduce the cost of purchasing a new home.

What Specific Benefits Are There for Nurses in NSW and QLD?

Nurses in New South Wales (NSW) or Queensland (QLD) have access to some fantastic benefits that make homeownership more achievable and affordable.

First Home Owner Grant (FHOG)

In NSW, eligible nurses can receive an FHOG of up to $10,000 when purchasing a new home valued at $600,000 or less. Meanwhile, in QLD, eligible nurses can receive an FHOG of $15,000 or $30,000 when buying or constructing a new home valued at less than $750,000.

Stamp Duty Concessions

First home buyers buying a property not exceeding $800,000 in NSW may be eligible for a full or partial exemption from stamp duty. Full or partial stamp duty concessions are also available in QLD for first home buyers purchasing a home valued under $550,000.

LMI Waivers

In both NSW and QLD, nurses can enjoy LMI waivers for loans up to 90% of the property’s value.

Special Interest Rates

Many lenders offer special interest rates to nurses in NSW and QLD, making home loans more affordable over the long term.

How to Choose the Right Lender for a Nurse Home Loan?

Here are some key points to consider to help ensure you’re choosing the right lender:
  • Specialised Nurse Home Loans: Focus on lenders that offer home loans specifically designed for nurses. These loans often come with unique benefits like lower interest rates and no LMI requirements.
  • Interest Rates: Check whether the interest rates offered are fixed or variable, as this will impact your monthly repayments. Fixed rates provide stability, while variable rates generally offer lower initial costs but can fluctuate.
  • Loan Features: Evaluate the features each lender offers, including offset accounts, redraw facilities, and the ability to make extra repayments without penalties. These features can significantly reduce the total interest you need to pay over the term of your loan, helping you become debt-free sooner.
  • Fees: Know all the fees associated with the loan, including application fees, ongoing service fees, and exit fees. Understanding these costs upfront will help you compare the actual cost of different loans and avoid any surprises later.
  • Reputation: Research the reputation of the lenders by searching for reviews and testimonials from other nurses who have used their services. A lender with a strong track record of customer satisfaction and reliability is more likely to provide a positive borrowing experience.
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How We Are Different: Working with Q Financial

Q Financial specialises in home loans for nurses. We pride ourselves on working with a wide range of clients, including nurses and healthcare workers. Nursers often have unusual income structures that are not accepted by some lending institutions. You don’t want to be caught out by approaching a bank that won’t accept your income.

Our goal is to provide you with the same high level of service and support that we provide to all of our clients. Give us a call today, and we’ll be happy to discuss the steps with you and help you find the best mortgage for your needs.

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Access to ‘Salary Sacrifice’-Friendly Lenders

Not all lenders offer benefits to nurses. We have built long-term relationships with lenders that offer salary sacrifice benefits.

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Shortened Loan Term

Yes, we want to help you buy your home — and help you learn strategies to pay it off years sooner without increasing your current repayments.

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No LMI for 90% LVR

We can also add in 90% no LMI — that’s no LMI payable for just a 10% deposit when most lenders need a 20% deposit.

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Quick Approval

Our streamlined home loan application process and personalised guidance help ensure a faster turnaround.

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Award-Winning Brokerage

In 2018, 2019, 2020, 2021 and 2022, our brokerage has received multiple awards for our professionalism and customer service.

What Will Happen Next?

During your consultation with us, we will discuss:

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FAQ on Home Loans for Nurses

Nurses and healthcare workers in Australia now have access to more favourable home loan policies that can help make their home-buying journey easier. These benefits include Lenders Mortgage Insurance (LMI) waivers on deposits of 10%, discounts on LMI up to 25%, annual fee waivers, special interest rate discounts, cashback deals for refinance home loans up to $6,000, and other favourable policy themes such as difference between lenders’ requirements.

Nurses typically need around 10%-20% of the property’s value as a deposit when applying for a nurse home loan.

Many banks and lenders offer fee waivers on annual costs associated with getting a nurse home loan, such as application fees and ongoing service fees, saving nurses thousands of dollars overall. Additionally, some lenders offer cashback bonuses or other incentives when refinancing from another provider. which could be worth up to $6,000 depending on the lender.

When applying for nurse home loans, all lenders will ask potential borrowers to provide proof of income (such as payslips or PAYG statements), evidence of current employment status with a healthcare provider or hospital, and proof of sufficient savings (generally around 5%-10%) over 2-3 years before they can apply for a mortgage. Other documents such as identification papers may also be required by some lenders, so be sure you check their specific requirements beforehand.

Not all banks offer home loans specifically designed for nurses, but many do offer discounted rates and other benefits like waived annual fees or cashback opportunities, which can help lower costs and make financing easier overall. It’s worth researching different providers and comparing what they have available before committing to one particular deal! Here at Q Financial, we can give you access to lenders that offer great home loans for nurses and healthcare workers. We can also get you preferential lending treatment!

Generally speaking, no specific restriction applies to the types of properties that nurses and midwives can purchase with their home loan. However, some lenders may impose certain criteria as part of their credit assessment process, which may limit the types of properties that can be approved. It is best to check with your lender before you make an application.

Depending on who you take out your loan from, there are sometimes special interest rates available, which are lower than standard market rates. These are usually offered by banks/lenders that want to encourage people from particular professions (such as nurses and healthcare workers) into taking out finance products from them. This is because they understand that demographics often come back year after year seeking additional services, which helps them create loyal customers.

The timeframe in which an application is processed can vary depending on several factors, such as the complexity of the transaction, availability of supporting information, and whether conditions have been met by all parties involved in the transaction process. On average it typically takes around 4-6 weeks for an application to be fully assessed by all relevant parties.

Work With Us for Your Nurse Home Loan

We are passionate about helping people who spend their lives helping others.

We have built significant expertise to understand which lenders look most favourably on home loan applications for nurses. We know how to present the application to them for the best chance at approval success. We have achieved a 97% approval rate compared to a significantly lower industry average.

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We used Q Financial for our home loan a couple of years ago and again recently to consolidate a personal loan. Always happy with their expertise and service. Highly recommend them
Great experience with Q Financial.They handled our home loan application as well as re-financing.Communication was clear and precise and they got us a package that suited our needs going forward.Whole process was smooth and hassle free and I highly recommend them.
Quinto was very helpful and great at communicating. I am very happy with the service.
BEWAREThis company took all of our information and then GHOSTED us. They knew we were on a short deadline to achieve finance and they strung us a long. Once I uploaded my documents to their site, I haven't heard back from them. I sent texts, left voice message and NOTHING.I am now concerned this is a scam site and my details are stolen.Avoid this company, biggest time wasters.
Michael and Quinto made the process of purchasing a home so much easier. They have been able to make the whole process much more enjoyable and have always made us feel as if we could ask any questions along the way.
Quinto and Michael have been great help with assisting me with securing my first investment property, making the process super easy and stress free, highly recommend!
Quinto and Michael have both been wonderful with helping me sort my first mortgage and home, even going above and beyond to ensure I got my loan with an ethical bank. I highly recommend these legends!
These guys are great ! Every option was offered and advised, so a really informed decision could be made. We have just had to refinance after our 3 year locked in great rate - which they got for us originally, so what could have been a stressful time - it wasn't ! Wouldn't go anywhere else ! Thanks Team !
We have used Q-Financial twice now and won’t go anywhere else. Quinto and Michael make the whole process simple. Thank you guys!
Knowledgeable Guidance:One of the standout features of working with Q-Financial was their deep knowledge of financial matters. They were able to explain complex concepts in a clear and understandable manner, ensuring I was fully informed every step of the way.Overall Satisfaction:I am incredibly satisfied with the services provided by Q-Financial. They not only met but exceeded my expectations, and I would highly recommend them to anyone in need of financial services. Thanks Guys
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Easy team to work with and moved us through the whole process of refinancing with ease. Very insightful as to what the best product is for certain situations and no question was too hard to answer. Very happy!!
I cannot recommend Q Financial enough - Quinto and Michael were available, professional and friendly throughout the whole process of securing and managing our home loan. These guys will find the best possible deal for you with the banks, and will guide you through the processes step by step. Buying a house is hard, but Q Financial definitely made it easier!
Quinto and his team are just awesome. I first made contact less than two weeks before an auction and he ensured I had pre-approval with plenty of time to spare. Thankfully I was the successful buyer and the communication post auction has been great. I highly recommend Q Financial!
Very professional service. Highly recommend.
Q Financial made the complex process of mortgage application as streamlined and simple as it could be. Their online data collection system is well laid out and easy to follow. Once our application was lodged with our chosen lender, approval was incredibly fast and no further information was requested. Michael and Quinto have been a pleasure to deal with. Highly recommend.
Quinto and the team have been such a great help with getting our finance. They made everything easy for us and great to talk to. Highly recommend them.
Quinto and Michael from Q Financial have been brilliant throughout the whole process of applying for our home loan. I am the sort of person to stress about the tiny detail but their expert advice made it easy to trust in them and we are very happy with the home loan offer they helped us secure.Michael and Quinto went out of their way to make sure all our questions were answered and were always timely and professors in all our dealings with them.Strongly recommend Q Financial for persons seeking a home loan.
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Emma Munro
Emma Munro
August 1, 2023

Excellent service and ongoing advice when buying our first home. Absolutely recommended!

Debbie Hayer
Debbie Hayer
July 27, 2023

Quinto and the team were amazing. They answered all our questions and made sure the product we were getting was the right one for our circumstances. Michael kept us up to date with the progress and was so lovely to deal with.

Vicki Baston
Vicki Baston
July 26, 2023

Quinto and Michael have been nothing short of amazing. They are so professional and efficient, they think of everything and take the stress out of the process. I can’t recommend them highly enough. Just perfect 🤩

Aaron Price
Aaron Price
July 18, 2023

We recently used Q financial to purchase our first home. Quinto and Michael are fantastic to deal with. Very professional and personable. They made the process very easy and were there for us every step of the way. I highly recommend Q financial.

buck69ism
buck69ism
July 11, 2023

Quinto and his team not only got me a killer deal but they also recommended awesome an conveyancer and insurance broker. The whole process was fast and easy. Even for a complete novice like me! Such a sick crew to deal with.

Mr E
Mr E
July 10, 2023

I just want to share that the team at Q Financial were fantastic, Quinto and Michael made the process all too easy and drama free, they explained everything in great detail and always took time to answer questions and hold our hands through the process. I first met Quinto I don't mind leaving a review when it's deserved. This is the third time we've used these guys and I can't recommend them highly enough!

Natalie Gallagher
Natalie Gallagher
June 27, 2023

We have been very happy with Quinto. He has been helpful and informative and made the experience of purchasing a first home not so daunting.

Chris Davis
Chris Davis
June 15, 2023

Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.

Paty Vazquez
Paty Vazquez
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June 5, 2023

I'm so excited I got a loan from a lender who helped me with my loan. It was amazing how I got a loan... I tried a different service but I could never get a loan from that service. Some of them will ask me to fill out a lot of documents and at the end of the day it will not end well. But I'm happy after meeting with KURT. I was able to get my loan of $200,000. now my business is going well and I want you all to know this today because they are fast and 100% reliable. Now I'm paying the loan I got from the company from uni-credit loans all over the world. Get in touch with them and don't waste time with those lenders: send an email to elmamilitansapla@gmail.com via WhatsApp to: +1(217)290-6702

Michael Olivotto
Michael Olivotto
May 3, 2023

The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home. Thanks guys for all your hard work!

Cherie Samson
Cherie Samson
April 19, 2023

Michael and Quinto were so great at helping us with our home loan. As first home buyers we has no idea where to start, they were able to help with all our questions, find great rates and get the most for us. The communication was great as they were able to schedule important calls with us, that fit in with our busy lifestyles. They made the process painless. Working with these guys meant I wasn't worried about the home loan so we could focus on finding our first home, which we did!!. Thanks Michael and Quinto!!

Cherie Olivotto
Cherie Olivotto
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April 19, 2023

Michael and Quinto were very helpful throughout the process of applying for a mortgage. They were very knowledgeable and easy to communicate with. Would definitely recommend

Camille Lagana
Camille Lagana
April 18, 2023

Quinto and Michael at Q Financial were exceptional with helping us to purchase our home. They were incredibly prompt and professional, as well as being accomodating and flexible with our busy schedule. Being a doctor, Quinto was able to liase with the bank regarding loans specific for health professionals. I couldn't recommend more highly.

Chris Casey
Chris Casey
April 8, 2023

Best in the business, we are going through the construction loan process and due to the current industry climate have had so many changes in circumstances weather it be building companies going into liquidation or the interest hikes to name a couple these guys have stuck by us and guided us every part of the way cannot recommend them highly enough.

Amanda Casey
Amanda Casey
April 8, 2023

Great service would highly recommend for anything mortgage related! Quinto and Michael are the best in the business and go over and above to help, thank you :)

Liam McIntyre
Liam McIntyre
March 23, 2023

Q goes the extra mile. Great work.

Caleb Howell
Caleb Howell
March 8, 2023

Quinto and the team provided me with top notch service when it was time for refinancing my home. Not only did they guide me through taking over sole title of my property but also securing a great rate. I was grateful that I had a direct line to Quinto and Michael when questions came up opposed to customer service at a big bank. Cheers

kaleha costanzo-jones
kaleha costanzo-jones
January 30, 2023

Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!

jai gennat
jai gennat
December 13, 2022

Quinto and Micheal from Q Financial made refinancing our mortgage very easy and helped us get a very competitive interest rate. We were kept up to date the whole way through the process. I would highly recommend Q Financial.

Bec Boo Yall
Bec Boo Yall
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December 13, 2022

Quinto and Michael have been fantastic to work with. They were able to simplify financial terms, give well-researched recommendations and advice. I loved how easy it was to communicate with the team throughout the process. I'd highly recommend them to anyone in need of their service.

B BOY
B BOY
December 13, 2022

Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.

jasmine preston
jasmine preston
November 3, 2022

Q financial were super helpful and walked us through everything Highly recommend using them

Meg Galloway
Meg Galloway
October 27, 2022

Best in the business. Quinto & his amazing team are outstanding. Such great people to work with. They're communicative at every step of the way and worked hard to get the best outcome for us. I work in financial services and deal with A LOT of brokers. Q Financial are by far the best in the industry. You're in safe hands, highly highly recommended. Unbeatable service. So much more than a typical broker, they checked in with us every step of the way, they do goal setting and Financial plans, they even do annual reviews to make sure you're always in the best product - just the best!

Akinyemi Abiodun Christopher
Akinyemi Abiodun Christopher
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June 5, 2022

Today I am grateful to Brenda William for her great offer and help because she really changed my financial situation with an investment capital of $1,000 I’m making $9,000 profits per week right now. If you need her help, contact her via 👇🏻 Email: brendawilliam784@gmail.com WhatsApp: +1 (754) 400-0330 I advice you shouldn't hesitate to message her.

b mar
b mar
June 3, 2022

Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required. Professional, punctual and very informative. Highly recommend

ChilloutHakk
ChilloutHakk
June 2, 2022

Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼

Heidi
Heidi
June 1, 2022

Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!

Jackson Simon
Jackson Simon
May 12, 2022

Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.

Dave P
Dave P
April 22, 2022
Sophie Holmes
Sophie Holmes
March 29, 2022

As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them

Jeremy Day
Jeremy Day
February 21, 2022

Quinto and Michael did a fantastic job with very short notice to get finance approved for a very short settlement. They went above and beyond battling through extremely complex business structures and coordinating with the banks.

jennyfromthegym
jennyfromthegym
February 8, 2022

Quinto and Michael were so helpful in providing mortgage advice and helping us achieve our goal of remortgaging an investment property and purchasing our dream house. Highly recommended!

Alicia Matthews
Alicia Matthews
November 25, 2021

We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property. They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule. I would highly recommend Q Financial to anyone looking to purchase a property. They are awesome!!

Julia Ehemann
Julia Ehemann
November 15, 2021

Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !

Joseph Bailey
Joseph Bailey
November 10, 2021

Quinto and his team did an absolutely outstanding job in helping us secure a home loan and buy our first property. Professional, experienced and so easy to communicate with. Couldn't recommend them enough!

Melanie Singh
Melanie Singh
November 8, 2021

As first home buyers, Q Financial made the entire process of getting a loan straight forward. They accommodated our needs, were knowledgeable and professional. We highly recommend their service!!

Tim Wilson
Tim Wilson
November 1, 2021

Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.

Sara Schepis
Sara Schepis
recommends
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

Sara Schepis
Sara Schepis
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

scott neale
scott neale
September 16, 2021

Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!

Matthew Collins
Matthew Collins
June 16, 2021

Quinto and the team made the process of buying my first place really easy. Great communication and enabled me to borrow with an ethical bank that doesn't invest in fossil fuels. Highly recommended.

Linda Dalton
Linda Dalton
May 11, 2021
ariel tobey
ariel tobey
May 2, 2021

Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them!

Dylan Smith
Dylan Smith
January 25, 2021

Quinto & Michael were so helpful, were always ready to look after us and explained the process to my partner and i every step of the way. They helped us achieve our goal securing a home loan and i couldn't recommend their service more!

Lewis White
Lewis White
recommends
September 21, 2020

Quinto made what was a tedious process talking to banks into something easy and understandable. My partner and I will be talking to Quinto for any future loan requirements. Thanks for all your help Quinto!

Anthony Laye
Anthony Laye
recommends
February 17, 2020

What A Service! Quinto made what could be a daunting and complex process like a walk in the park. We had a few challenges that we were up against (self employed, time & low deposit) and Quinto came up with a solution that worked. Thank you for getting our family in our own home. 5 STARS ⭐️⭐️⭐️⭐️⭐️

Anthony Laye
Anthony Laye
February 17, 2020

Quinto's service is second to none. We were looking for finance faced with 3 major challenges (self employed, short time frame, low deposit). Quinto found an amazing solution and turned what was a stressful situation in to an easy process. I would encourage anyone looking for finance to give Quinto a call..... AMAZING!

Nicola Laye
Nicola Laye
February 17, 2020

We recently purchased our first home in Australia, I can't thank Quinto enough it was a smooth, hassle free process, Quinto explained everything clearly. Being self-employed a home loan can be hard to achieve but he helped guide us through with efficiency and a calm approach. I would 100% recommend Quinto to anyone looking for finance. Thank you Quinto..

Brian Grose
Brian Grose
recommends
October 22, 2019

Quinto is always willing to work with you to get you the best deal for your situation. He's always easy to talk to and a pleasure to deal with, plus he's one of the most genuine people you'll meet! Thanks again!

Adam Armitage
Adam Armitage
recommends
September 29, 2019

Great guy and great at what he does