Investing In Property

Before you start investing in property, get some expert advice to ensure you're set up for success

Plan

Understand you, your goals and what is important to you. Why do you want to invest in property?

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Understand

Talk to a mortgage broker to understand whats possible from a lending perpspective.

Advice

Suround yourself with people who know more than you do, you’ll need a mortgage broker, buyers agent, real estate agent and a laywer.

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Execution

We can project manage the lending process for you making sure everyone is on the same page and ensure a smooth approval process.

Let’s Talk – For Free

Hi! If you’re a property investor seeking financial guidance  you’ve come to the right place! My name is Quinto, and I will be your trusted and friendly local broker who will guide you every step of the way.

Feel free to reach out to me and my team today to get connected to the home mortgage lenders who will look upon your application most favourably. We promise that you will get an absolutely FREE, no-obligation consultation!

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Australians Love Investing in Property.

Most are paying off a mortgage with the view to own their own home and most would buy investment properties if they could get appropriate advice.

They see a Financial Planner and advice generally cannot be given regarding investment properties, so the investor visits the local real estate agent, or worse still ends up at a property investment seminar by a spruiker. No-one is looking after the property investor.

If you want to educated in property investing and build a port folio more than 2 or 3 properties you really need strategic advice. Too many property investors stop at one or two properties or try and use the same strategy over an over only to either run out of cash flow, or equity or both.

We don’t believe in a one-size-fits-all approach when it comes time to investing in property.

Instead, we take the time to understand your individual circumstances and tailor our services to meet your specific requirements. Whether you’re a first-time buyer, a seasoned property investor we’ve got you covered.

Don’t let the stress of securing an investment home loan overwhelm you. Call us today for expert guidance and advice. We’re your trusted mortgage broker and we’re here to help you achieve your financial goals.

Do you know how many properties you need to provide an income to retire on?

Generally Speaking 7. Now everyone has different needs, wants and lifestyle expectations. ​Your strategy could be to just purchase one investment property and hold it for the long term or to such a point that when you sell it it clears your home mortgage. Another strategy may be to purchase 7 properties or more to leave 3 or 4 properties with no debt. In today’s dollars, could the rental income make a difference to your retirement lifestyle? This could be achieved with a controlled and planned investment strategy and that is where getting good property advice comes into play.

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How Do Investment Property Loans Work?

An investment property loan is a mortgage designed to support the purchase of a property for investment purposes, which means the property is intended to be rented out and to generate income rather than be lived in. This type of loan is often sought by those looking to generate rental income, benefit from potential capital growth, or diversify their investment portfolio.

Similar to regular home loans, investment property loans in Australia typically allow you to borrow up to 90% of the property’s value, with the possibility of needing to pay lenders mortgage insurance (LMI) if your deposit is below 20%. Lenders assess your financial situation, including income, expenses, and equity, and may impose stricter approval conditions due to the higher risk associated with possible property vacancies and rental income fluctuations. 

What Are the Pros and Cons of Owning an Investment Property?

Owning an investment property can offer a range of benefits, but it also comes with certain drawbacks that are important to consider before making a decision. Here’s a detailed look at the pros and cons of owning an investment property:

Pros of Owning an Investment Property

  • Potential for Capital Growth: One of the most enticing aspects of investing in property is the potential for capital growth. Over time, property values in Australia have generally shown a trend of long-term appreciation, which can lead to significant gains when you sell the property.
  • Steady Income Stream: A well-chosen investment property can offer you a reliable source of passive income through rent. This income can help cover mortgage payments and other expenses, and potentially provide additional cash flow.
  • Tax Benefits: Investment properties may offer tax advantages, particularly through negative gearing — if your property’s expenses, such as mortgage interest, maintenance, and other costs, exceed the rental income, you may be able to offset these losses against your other taxable income, reducing your overall tax liability.
  • Physical Asset: Unlike other kinds of investment, property is a physical asset that you can see and manage. This can provide a sense of security and control, especially if you prefer to invest in something you can physically inspect and improve.
  • Equity Building: As you pay down the mortgage on your investment property, you build equity, which can be leveraged for future investments. This equity can be used as a deposit for purchasing additional properties or for other financial needs.

Cons of Owning an Investment Property

  • High Initial Costs: The upfront costs of buying an investment property can be substantial. These costs include the deposit, stamp duty, legal fees, and any necessary renovations or repairs. Additionally, ongoing costs such as mortgage repayments, insurance, and maintenance can add up over time.
  • Risk of Vacancy: One of the significant risks associated with owning an investment property is the possibility of vacancy periods. If your property remains unoccupied for an extended period, you will need to cover the mortgage and other expenses without rental income.
  • Tenant Issues: Managing tenants can sometimes be challenging. Issues like late payments, property damage, or disputes can arise, potentially leading to additional costs or legal complications. Employing a property manager can help, but it also adds to your ongoing expenses.
  • Market Fluctuations: Property values can change based on market conditions, and there is always a risk that the value of your investment property could decline. If property prices fall, you may find yourself in a position of negative equity, where the property has less value than the remaining mortgage balance.
  • Illiquidity: Real estate tends to be a relatively illiquid asset, which means it can take time to sell a property and access the cash invested in it. This limited liquidity can be disadvantageous if you need immediate funds, particularly during a market downturn.

How Can I Use Home Equity to Buy Another Property?

Using your home equity to buy another property is a common strategy for investors looking to expand their property portfolio. Equity is the portion of your home’s value that exceeds your remaining mortgage balance. For example, if your property is valued at $550,000 and you still owe $200,000 on your mortgage, you have $350,000 in equity.

Here’s how you can leverage your home equity to finance the purchase of a new property:

  • Determining Your Usable Equity: Lenders typically allow you to borrow up to 80% of the value of your home minus the outstanding mortgage balance. This is known as your usable equity. For example, if your home is valued at $550,000, you could potentially borrow up to $440,000 (which is 80% of $550,000). After deducting your existing mortgage balance of $250,000, your usable equity would be $190,000.
  • Using Equity as a Deposit: Instead of saving up a cash deposit, once you know how much usable equity you have, you can tap into it to meet the deposit requirements for your new property. This can be particularly advantageous if you’ve owned your home for a while and have built up significant equity.
  • Refinancing Your Home Loan: To access the equity, you may need to refinance your existing home loan. This involves taking out a new mortgage on your current property that includes the amount of equity you wish to access. The funds from the refinance can then be used as the deposit for your new property purchase.
  • Taking Out a Line of Credit: Another option to access your home equity is through a line of credit. This allows you to draw on the equity as needed, up to an approved limit, and only pay interest on the amount you use. This can provide flexibility if you plan to use the equity for multiple purposes over time, such as renovations or future investments.
  • Structuring Your Loans: When using equity to buy another property, you have the option to keep the loans for each property separate or cross-collateralise them. Cross-collateralisation refers to using several properties as collateral for a single loan. While this can sometimes simplify the borrowing process, it also increases your exposure to risk, as issues with one property can affect the others. Keeping the loans separate may offer more flexibility and reduce risk.

Considerations Before Using Home Equity

  • Loan to Value Ratio (LVR): Lenders will assess your LVR, which is the ratio of your loan amount to the value of your property. A lower LVR is often more favourable as it reduces the lender’s risk and could result in better interest rates.
  • Repayment Ability: Ensure that you are comfortable with the increased mortgage repayments that will result from borrowing against your equity. Lenders will evaluate your income, expenses, and overall financial health to ensure you can manage the additional debt.
  • Market Conditions: When planning to use equity, it’s essential to consider that the value of your property can fluctuate based on market conditions, which could impact the amount of equity available to you.

What Are the Steps to Buying an Investment Property?

Investing in property can be a rewarding endeavour, but it requires careful planning and consideration. Below is a detailed guide on the steps you should take when buying an investment property in Australia. By following these steps, you can navigate the process of buying an investment property with confidence and make informed decisions that support your long-term financial objectives:

Step 1. Establish Your Goals

Begin by clearly defining why you want to invest in property. Are you seeking long-term capital growth, a steady rental income, or both? Knowing your goals is key to developing an effective investment strategy.

Step 2. Determine Your Budget and Prepare for the Costs

Once your goals are clear, set a strict purchasing budget. Consider how much you can borrow based on your income, expenses, and existing financial commitments. It’s advisable to consult with a mortgage broker or financial advisor to understand your borrowing capacity. 

Also, take into account the upfront and ongoing costs associated with buying an investment property, such as the following:

Upfront Costs

  • Stamp Duty: This is a government tax based on the purchase price of your property. Stamp duty varies by state and can be a substantial expense. It’s important to factor this into your budget early on; you can use a stamp duty calculator to estimate how much you’ll need to pay.
  • Lenders Mortgage Insurance (LMI): If your deposit is less than 20% of the property value, you may need to pay LMI. This ensures the lender is protected if you cannot pay back the loan. LMI can add a significant amount to your upfront costs, so it’s worth considering how much deposit you can save to potentially avoid or reduce this cost.
  • Legal Fees: It is essential to engage a solicitor or conveyancer for the legal aspects of your property purchase. Legal fees cover services such as conveyancing, title searches, and ensuring the contract of sale is in order.
  • Building and Pest Inspections: Before purchasing, it’s wise to conduct building and pest inspections to uncover any potential issues with the property. These inspections help you avoid unexpected repair costs down the line and ensure the property is a sound investment.
  • Property Valuation: Lenders often require a professional property valuation to verify that the property is worth the loan amount you want to borrow.
  • Remodelling Costs: If you plan to renovate or make improvements before renting out the property, budget for these remodelling expenses upfront. Renovations can add value to your investment, but they also require careful financial planning.
  • Connection Fees: Setting up utilities such as water, electricity, and gas for the property involves connection fees. These are essential services, and you’ll need to account for these costs before tenants move in.
  • Real Estate Leasing Fees: If you plan to rent out the property, you may incur fees associated with leasing services provided by real estate agents. These can include advertising costs and leasing commissions.

Ongoing Costs

  • Mortgage Repayments: Your monthly mortgage repayments are a significant ongoing expense. Most lenders offer flexible repayment options that align with your pay cycle, but it’s crucial to ensure that your rental income can cover these payments consistently.
  • Council Rates: As a property owner, you are responsible for paying council rates. These rates fund local services and amenities, and they are typically higher for houses than for units.
  • Body Corporate Fees: If the property is in a strata-titled complex, such as an apartment or unit, you’ll need to pay body corporate fees. These fees cover the maintenance of common areas, such as gardens and swimming pools.
  • Utilities: Depending on your agreement with tenants, you may need to cover utility costs such as gas, water, and electricity. Ensure these are factored into your ongoing budget.
  • General Maintenance: To keep your property in good condition, regular maintenance is essential. This includes services like cleaning, gardening, and minor repairs. Keeping up with maintenance helps preserve the property’s value and appeal to tenants.
  • Repairs and Breakages: Unexpected repairs, such as fixing a leaking tap or replacing a broken appliance, are part of property ownership. It’s important to have a savings plan to cover these expenses.
  • Landlord Insurance: Landlord insurance protects you in case of tenant-related issues, such as rental default or property damage. This insurance is a necessary ongoing cost to safeguard your investment.
  • Property Management Fees: If you employ a property manager to take care of your investment property’s routine management, you’ll need to pay property management fees. These fees typically cover tenant selection, rent collection, and maintenance coordination.

Step 3. Choose the Right Property

Selecting the right property is crucial. Unlike your primary residence, an investment property should ideally be low-maintenance and located in a high-growth area with good access to public transport, schools, and other amenities.

Research the market thoroughly, considering factors like vacancy rates, rental yields, and capital growth potential. This will help you identify a property that not only fits your budget but also offers strong investment returns.

Step 4. Select the Right Financing Option

Choose an investment property loan that best suits your needs. You can choose from several loan types, including:

  • Principal-and-Interest Loans: A principal-and-interest loan is a traditional home loan in which each repayment reduces both the interest charged on the loan and the loan’s principal amount. Over time, this reduces the total amount owed, helping you build equity in the property. This type of loan is suitable if you want to steadily pay down your debt while maintaining a clear path to full ownership of the property.
  • Interest-Only Loans: An interest-only loan is designed for investors who want to minimise their monthly repayments in the short term. With this loan, you only pay the interest on the loan for a specified period, typically between one and five years. When this period ends, the loan will revert to a principal-and-interest loan. While your repayments will be lower during the interest-only period, it’s important to remember that the principal amount remains unchanged, and you may end up paying more over the life of the loan. Interest-only loans can be attractive if you’re focused on maximising cash flow or if you decide to sell the property before the interest-only period is over.
  • Fixed Rate Loans: A fixed rate loan locks in the interest rate for a set period, usually between one and five years. This means your repayments will remain the same throughout the fixed term, providing stability and protection against potential interest rate increases. This type of loan is ideal if you prefer predictable repayments and want to avoid fluctuations in the market.
  • Variable Rate Loans: With a variable rate loan, depending on market conditions, the interest rate can change over time, which means the amount you need to pay could increase or decrease. Variable rate loans often come with more flexible features, such as the ability to access a redraw facility or make extra repayments. This loan type may suit you if you’re comfortable with the possibility of fluctuating repayments and want the flexibility to pay off your loan faster.
  • Split Loans: A split loan lets you divide your loan into two portions: one with a fixed interest rate and the other with a variable rate. This option provides a balance between the security of fixed repayments and the flexibility of a variable rate. It can be a good choice if you want to hedge your bets against interest rate changes while still enjoying some of the benefits of a variable rate loan.

Additionally, consider loan features like redraw facilities or mortgage offset accounts, which can provide flexibility in managing your repayments. 

  • Redraw Facilities: A redraw facility lets you access extra repayments you’ve made on your loan — this can provide additional flexibility if you need funds for unexpected expenses or future investments. However, it’s important to check if there are any fees associated with using the redraw facility. 
  • Mortgage Offset Accounts: A mortgage offset account is a transactional account linked to your loan. The balance in this account offsets the amount of interest charged on your loan. For example, if you have a loan of $550,000 and $100,000 in your offset account, you’ll only be charged interest on $450,000. This can be an effective way to reduce the interest you pay while keeping your savings accessible.

Each loan type and feature above offers distinct advantages depending on your financial circumstances and investment strategy. It’s crucial to carefully consider which options align best with your long-term goals, and seeking advice from a financial adviser or investment property mortgage broker can help you make wise decisions.

Step 5. Apply for a Loan

Once you’ve found a suitable property and decided on the best financing option, it’s time to apply for an investment property loan. You’ll need to provide documentation such as proof of income, identification, and details of any existing debts.

The lender will review your financial details, such as income, assets, and liabilities, to decide if you’re eligible. In addition, they will assess the property you aim to purchase, including its expected rental income and market value.

Step 6. Finalise the Purchase

After your loan is approved, proceed to finalise the purchase. This includes:

  • Reviewing the Contract of Sale: Have a solicitor or conveyancer review the contract before signing.
  • Conducting Inspections: Organise building and pest inspections to ensure the property is in good condition.
  • Preparing for Settlement: Ensure you have enough funds for the settlement, including any remaining fees. On settlement day, the property ownership will be transferred to you, and you will receive the keys to your new investment property.

Step 7. Manage Your Investment

Once the property is yours, consider whether you will manage it on your own or engage a property manager. A property manager can be especially beneficial if you do not have the time or expertise to manage the property by yourself — they can handle tasks such as seeking tenants, collecting rent, and arranging repairs.

Additionally, keep track of your investment’s performance. Regularly review the property’s rental income, expenses, and value to ensure it continues to meet your financial goals.

Why Is Professional Advice Important in Property Investing?

When venturing into property investing, obtaining professional advice is essential for several reasons:

  • Complex Financial Considerations: Property investment involves various financial aspects such as loan structures, tax implications, and cash flow management. A financial advisor or investment property mortgage broker can guide you through these complexities, making sure your investment strategy aligns with your financial goals and risk tolerance.
  • Tax Optimisation: Property investments can offer tax benefits, such as negative gearing and depreciation deductions. However, tax laws are complex and can change over time. A qualified accountant can provide advice on how to optimise your tax situation legally and effectively, helping you maximise your investment returns.
  • Legal Compliance: Real estate transactions have numerous legal requirements, from contract law to landlord-tenant regulations. A solicitor or conveyancer can ensure that your property purchase complies with all legal obligations, reducing the risk of expensive legal disputes or penalties.
  • Market Insights: Property markets can be volatile, influenced by economic trends, interest rates, and local factors. A real estate professional or property analyst can provide valuable market condition insights, helping you choose the right property in the right location to achieve your investment objectives.
  • Risk Management: Investing in property carries inherent risks, including market fluctuations, vacancy rates, and maintenance costs. A financial planner or investment advisor can help you mitigate these risks by offering strategies to protect your investment and reduce the likelihood of losses.
  • Tailored Investment Strategy: Every investor’s situation is unique, with different financial goals, timelines, and risk appetites. A professional advisor can work with you to develop a customised investment strategy that considers your specific circumstances, ensuring that your property investment is part of a broader financial plan.
  • Ongoing Support: The property market and your financial situation can change over time. Having a professional advisor provides ongoing support, helping you adapt your investment strategy as needed to stay on track with your financial goals.

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Our top 5 tips for investing in property

We could give you a 100 actually, but the below 5 tips may seem really simple, we honestly thought everyone would get it but it seems not. Every day our clients’ lending goals and dreams are restricted in one way or another so we thought it would be worth mentioning.

  1. Always, spend less than you earn. Save the difference.
  2. If you can, pay off your personal loans and credit cards before looking to invest in property.
  3. Don’t buy a property because everyone else is. Have a strategy. Have a WHY?
  4. Don’t try and time the property market, buy when you can afford to.
  5. Property investing requires a mindset, discipline, patience and strategy to be better than the average.

Why the need for Expert Property Advice?

Because in a booming market everyone’s an expert. Anyone can make money from property when times are good, but when times are slow you cannot afford to have secondary property in your portfolio.

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Awards Section

About us

Why Q Financial?

At Q Financial, we are dedicated to assisting individuals from all walks of life in achieving their financial goals. With our team of experts, including our trusted mortgage broker, Quinto White, we have the expertise to effectively navigate the lending landscape and secure favorable outcomes for our clients.

Whether you’re a First Home Buyer, Home Upgrader, looking to Refinance, make Investments, or embark on a New Home Purchase, our Award-Winning Home Loan Specialists, led by Quinto White, are here to provide advice-driven solutions tailored to your specific financial and lifestyle goals—both now and in the future.

At Q Financial, we are not only committed to our clients but also to the well-being of our planet. We embrace ethical lending practices, actively offset our carbon emissions, and strive to make a positive impact. With your support, we can continue to accomplish even greater things!

Contact Q Financial today and let Quinto White, our dedicated mortgage broker, guide you through the process of achieving your financial dreams.

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Reviews

Testimonials for Q Financial

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

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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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Cant recommend Q Financial enough, from start to finish the process was easy and stress free.
Great to deal with, absolutely recommend.
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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FAQs on Investment Property Loans

You’ll generally need a deposit of at least 20% of the investment property’s purchase price, which equates to an 80% loan-to-value ratio (LVR). If your deposit is less than 20%, you may need to pay lenders mortgage insurance (LMI) unless you qualify for an LMI waiver based on specific lender criteria or professions, such as doctors.

The amount you can borrow depends on several factors, such as your income, living expenses, and interest rates, as well as the investment property’s value and potential rental income. Lenders will also consider your LVR, with some allowing up to 90% of the property’s value, although borrowing more than 80% may require you to pay LMI.

Purchasing an investment property can be a good idea if you’re looking for potential capital growth, a relatively stable investment, and passive income, but it’s important to be aware of the costs involved, the risks of market fluctuations, and the responsibilities of property management. Your personal financial situation, investment strategy, and risk tolerance will ultimately determine whether this investment is right for you.

To get the best investment property loan rates, make sure to compare offers from different lenders, considering not just the interest rate but also any associated fees and loan features. Additionally, demonstrating strong financial health, such as a substantial deposit or existing equity, can improve your chances of securing a favourable rate.

You should consider holding an investment property for at least five years or more to maximise return on investment, depending on your strategy and personal situation. However, if your property isn’t growing in value, your expenses outweigh your income, or better investment opportunities arise, it may be worth reassessing your plan sooner. Consider consulting a mortgage broker to make an informed decision.

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What You Can Expect: Working with Q Financial

FREE Service

Lenders may eventually charge you a premium for their services. However, you can always count on mortgage brokers to not charge you anything when working with them. That is because they receive a commission from lenders and will not need any sort of compensation from the borrower.

Specialist Advice You Can Trust

Mortgage brokers are governed by the ‘Best Interests Duty’ legislation. Under this law, brokers are mandated to only ever act in your best interests and use their expertise to come up with the best potential result for your home loan application. We know the industry inside out, and our experience with a variety of lenders and financial institutions makes us much more of experts at lending policies and processes than them.

Full-service Support

It is our job to carry out all the legwork on your behalf from start to end, and represent you in a way that will get you the most favourable outcome. We will assess your borrowing capacity, organise your paperwork, and make sure you get approved for a home loan in the most cost-effective and transparent way possible.

Wide Panel of Lenders

We have access to a wide array of lending options, so there should be something out there to fit every individual financial plan. We keep an eye across a large section of the property market, and we compare rates from our wide panel of lenders. We can help you explore those options and make sure you get the right one for you!

Access to Special Discounts and Benefits

Our mortgage brokers are local, so we have a thorough understanding of the local market trends. This knowledge enables us to understand your needs, tailor a loan according to your unique circumstances, and possibly get you preferential treatment — or even discounts where they apply.

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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
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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
recommends
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
recommends
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
recommends
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