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Read MoreTrusted Brisbane Mortgage Broker | Home Loan Advice & Finance Solutions
We provide independent advice based on established research methods, and our experts have in-depth mortgage and loans knowledge.
Financial Specialists
Finding the right home loan doesn’t need to feel complicated.
Force Financial Solutions provides straightforward, personalised mortgage advice for Brisbane home buyers, homeowners and property investors. Whether you’re buying your first home, moving, refinancing, building or investing, we’ll help you understand your options and guide you through the process.
We take the time to understand where you are now, what you’re hoping to achieve and what matters to you — before looking at suitable lending options.
How Can We Help With Your Home Loan?
Whether you’re buying your first home, moving, investing, building or reviewing your current mortgage, start with the option that best matches where you are today.
First Home Buyers
Buying your first home comes with plenty of questions. How much can you borrow? How much deposit will you need? What paperwork is involved? And when should you apply? We'll guide you through the process and explain each stage so you know what is happening and why.
Buying Your Next Home
Upsizing, downsizing or simply moving somewhere new? If you already own property, we'll help you look at your existing mortgage, available equity and borrowing position before considering finance for your next home.
Refinancing Your Home Loan
Your circumstances change — and home loan products and interest rates change too. Reviewing your mortgage can help determine whether your current loan is still competitive and whether its fees, features and structure continue to suit you.
Property Investment Loans
Planning your first investment or expanding your portfolio? We can help you consider borrowing capacity, equity, loan structure and lending options while keeping your wider property goals in mind.
Construction Loans
Building is financed differently from buying an established home. Construction loans generally involve staged payments as your build progresses, so understanding the process before signing contracts can make the journey considerably easier.
Ready to take the next step?
At Force Financial Solutions we will assist you with searching for the best products, whether it be a mortgage, personal loan or debt consolidation.
Your Local Mortgage Broker in Brisbane
A home loan is a big financial commitment, but understanding your options shouldn’t require a finance degree.
Working with a local Brisbane mortgage broker gives you someone who can explain the lending process in plain English, look at your individual circumstances and help you navigate different lender requirements.
Force Financial Solutions is based in Brisbane and led by mortgage broker Jason Davies. Having grown up in Brisbane’s south-east and entered the property market himself at 25, Jason understands the process from both sides of the desk.
His background in construction, FIFO and property investment also gives him practical insight into the very different financial situations Brisbane borrowers can have.
Home Loan Solutions for Different Stages of Life
There isn’t one home loan that suits everyone. Your options depend on what you’re buying, where you are financially and what you want to achieve next.
Mortgage Advice for Brisbane Home Buyers
Before you start seriously looking at properties, it helps to understand what you can comfortably afford.
We can look at your income, expenses, existing debts, deposit and other financial commitments to help establish your borrowing position. From there, we can explain the loan options available and what lenders may look for when assessing your application.
The aim is simple: help you go into the property search better informed and better prepared.
Mortgage Support for Brisbane Property Investors
Investment lending isn’t simply about finding an interest rate.
The way a loan is structured, your available equity, borrowing capacity, ongoing costs and future investment plans can all influence which finance option may be appropriate.
Whether you’re considering your first investment property or adding to an existing portfolio, we’ll help you compare suitable lending options and understand the finance behind your next move.
Ready to take the next step?
At Force Financial Solutions we will assist you with searching for the best products, whether it be a mortgage, personal loan or debt consolidation.
Why Choose Force Financial Solutions?
Jason Davies brings more than lending knowledge to the conversation.
Before becoming a mortgage broker, Jason worked in construction and spent 13 years working FIFO on major infrastructure projects in Queensland and Western Australia. He also built his own property portfolio before completing his Diploma of Finance and Mortgage Broking.
That experience helps us understand that people’s finances rarely fit neatly into a box.
Different lenders have different policies, products and lending criteria.
Instead of being limited to the products offered by one bank, we can investigate options from a broad panel of lenders and identify those that may be suitable for your circumstances.
It’s not simply about finding the lowest advertised rate — fees, features, flexibility, eligibility and loan structure can matter too.
Two people earning the same income can have completely different borrowing needs.
We look at your income, commitments, deposit or equity, future plans and the type of property you’re considering before recommending a way forward.
Once you’ve decided to proceed, you don’t have to work everything out yourself.
We help prepare the application, explain what documentation is required, communicate with the lender and keep you informed as your application progresses towards approval and settlement.
What to Expect When You Work With Us
Not sure what happens when you contact a mortgage broker? Here’s the process.
Borrowing doesn't have to be scary
You don’t need to understand everything before calling us. That’s what we’re here for.
A Few Things to Know Before Applying for a Brisbane Home Loan
A little preparation can make the mortgage process much easier.
How Much Can I Borrow?
Your income is only one part of the calculation.
Lenders can also consider your regular expenses, existing loans, credit card limits, dependants, deposit or equity and other financial commitments. Lending policies also differ between lenders, which means your borrowing capacity isn’t necessarily the same everywhere.
How Much Deposit Do I Need?
The deposit required will depend on factors including the property, purchase price, lender and your individual circumstances.
Your deposit also affects your loan-to-value ratio (LVR). Depending on the size of the loan compared with the property’s value, additional costs such as Lenders Mortgage Insurance may also need to be considered.
We’ll help you understand the numbers before you commit.
Choosing a Home Loan
A low advertised interest rate can look attractive, but it shouldn’t be the only consideration.
Depending on your circumstances, it can also be worth comparing:
- Application and ongoing fees
- Fixed, variable or split interest options
- Offset accounts
- Redraw facilities
- Additional repayment options
- Loan flexibility
- Overall loan structure
The right combination depends on how you intend to use and repay the loan.
Is It Time to Review Your Current Mortgage?
If you’ve had your mortgage for a while, your loan may no longer be as competitive or suitable as it once was.
A home loan review can compare your existing rate, repayments, fees and features against other available options and help you decide whether staying put or refinancing makes more sense.
Brisbane Mortgage Advice, Wherever You Are in the Journey
Force Financial Solutions works with home buyers, homeowners and property investors throughout Brisbane and surrounding areas.
You might only be starting to work out what you can afford, already attending open homes, preparing to build, considering an investment or wondering whether your existing mortgage could be improved.
You don’t need to wait until you’re ready to submit an application to speak with a broker.
- Sometimes the most useful conversation happens before you've made any major decisions.
Borrowing doesn't have to be scary
You don’t need to understand everything before calling us. That’s what we’re here for.
Frequently Asked Questions About Brisbane Mortgage Brokers
A mortgage broker helps you understand your borrowing position, investigates suitable loan options from available lenders and assists with the home loan application process. Your broker can also explain lender requirements and help manage the application through to settlement.
How a broker is paid can depend on the type of finance and circumstances involved. Before proceeding, we can explain any applicable fees and how Force Financial Solutions is remunerated so you understand the arrangement.
There’s no single figure that applies to everyone. Your borrowing capacity can be affected by income, living expenses, debts, credit limits, dependants, deposit or equity and the lending criteria of individual lenders.
Use our How Much Can I Borrow? resources or speak with us for a more personalised assessment.
Absolutely. In fact, having someone explain the terminology, paperwork and lending process can be particularly valuable when you’ve never purchased property before.
We’ll explain the steps, help you understand your borrowing position and guide you through the finance process.
Yes. Being self-employed doesn’t automatically prevent you from obtaining a home loan, but lenders can assess self-employed income differently. The documents required and lending criteria can vary, so it’s worth discussing your situation before applying. you understand your borrowing position and guide you through the finance process.
Yes. We can review your existing mortgage and compare relevant rates, fees, features and loan structures to determine whether refinancing may offer an advantage.
Force Financial Solutions has access to a broad panel of Australian lenders. The lenders and products considered for you will depend on your circumstances, requirements and eligibility. At present we have 42 verified lenders.
Requirements vary, but you may be asked for identification, evidence of income, information about savings or your deposit, existing loan and credit commitments and details of your regular expenses.
We’ll tell you exactly what’s required for your particular application.
Approval times vary depending on the lender, complexity of the application, property and whether all required documentation is available. We’ll help prepare your application and keep you informed as it progresses.
We’ll tell you exactly what’s required for your particular application.
Look for someone who takes time to understand your circumstances, explains things clearly, discusses more than just the interest rate and is transparent about the process.
Most importantly, you should feel comfortable asking questions.
A good mortgage conversation should leave you better informed, not more confused.
We’ll tell you exactly what’s required for your particular application.
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Speak With a Brisbane Mortgage Broker
Whether you’re buying, refinancing, investing or simply trying to understand what you could do next, you don’t have to figure it all out on your own.
Talk to Jason at Force Financial Solutions about where you are now, where you’d like to be and the finance options that could help you get there.
No confusing finance talk. Just a straightforward conversation about your next step.
Personal Loans
A personal loan is an unsecured loan that can be used for a variety of purposes, such as debt consolidation, home improvements, or unexpected expenses. Personal loans typically have fixed interest rates and repayment terms, and the amount you can borrow depends on factors such as your credit score, income, and debt-to-income ratio.
A car loan is a type of secured loan that is used to finance the purchase of a vehicle. These are sometimes offered by the car dealership but by chatting with Force Financial Solutions you could save yourself money and find a better deal that suits your needs.
Your Local Loan Solutions
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Refinancing
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Debt Consolidation
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Next Home Loans
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First Home Loan
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Construction Loan
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Car Loans
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Novated Lease
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Property Investment Loans
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