Home Loan Broker Brisbane
Hello Home Loans™ is a Brisbane-based home loan mortgage broker helping everyday people navigate the lending process with clarity and confidence. Unlike applying directly with a single bank, we take the time to properly assess your situation and match you with lenders whose criteria genuinely suit your circumstances. Different banks have different rules, and often a rejection isn’t a reflection of your ability to borrow — it’s simply the wrong lender for your situation. At Hello Home Loans™, we explore every realistic option across a wide range of lenders, taking a thorough, considered approach to find the right fit and guide you through the process from start to finish.
If you’ve been rejected for a home loan by a bank, you’re not alone — and it doesn’t mean home ownership is off the table. Many borrowers come to us feeling discouraged after being told “no”, without realising there are other lenders who may assess their income, deposit, or financial position differently. Our role is to look beyond a single decision, explain your options in plain English, and help you move forward with clarity and confidence. Whether you’re a first home buyer, refinancing, self-employed, or navigating a more complex scenario, we’re here to help you understand what’s possible and support you every step of the way.
Why Choose Hello Home Loans™
Your local home loan broker Brisbane borrowers trust to help them say 'hello' to home owneship
Experienced Brisbane Home Loan Brokers
As a home loan broker in Brisbane, we don’t limit you to one lender’s rules. If you’ve been knocked back by a bank, we assess your situation properly and match you with lenders whose criteria actually suit you — giving you more genuine home loan options.
Local, One-on-One Broker Service
You work directly with Beau — a local Brisbane mortgage broker — from start to finish. No call centres, no handovers. Just clear advice, honest communication, and someone who’s genuinely invested in helping you secure the right home loan in Brisbane.
Home Loans & Refinancing Broker
Whether you’re buying your first home or looking to refinance your home loan, different lenders assess applications differently. We take a thorough, in-depth approach — exploring every realistic option before explaining what’s possible and what’s not.
First Home Buyers Loans
Work with a broker who understands the rules, grants, and eligibility criteria for first home buyers. From deposits to lender policies, you’ll get clear advice, honest guidance, from someone who genuinely cares about helping you take that first step into home ownership.
About Hello Home Loans™
Hello Home Loans™ was founded by Beau Carmichael, a Brisbane-based home loan broker who believes everyone deserves an accessible path to home ownership . After seeing too many everyday Australians told “no” by a single lender, Beau set out to do things differently — taking the time to understand each situation properly and match clients with lenders whose criteria actually suit them. As a local Brisbane mortgage broker, Beau works one-on-one with every client, offering clear advice, persistence, and genuine support from first conversation through to settlement.
Why More Borrowers Choose a Home Loan Broker
A Smarter Way to Secure Your Home Loan
Helping You Avoid Unnecessary Loan Rejections
Applying with the wrong lender can lead to unnecessary declines that impact your confidence and credit profile. We take the time to assess your situation properly before applying, helping reduce the risk of rejection by matching you with lenders whose criteria suit your circumstances.
Access More Lenders, Not Just One Bank
Unlike going directly to a bank, we give you access to a panel of lenders, including major banks and specialist options. This means more choice, more flexibility, and a greater chance of finding a lender that works for your specific needs. Schedule a call to find out how we can help!
We Explore Every Viable Lending Option
We don’t stop at the first “no”. Each application is approached thoroughly, with multiple lenders and structures considered to ensure all realistic pathways are explored before an outcome is reached. If there’s a viable option available, you can be sure we'll find it!
Our Services
Loans For First Home Buyers
Helping first home buyers navigate the lending process with clear advice, tailored loan options, and support from application through to settlement.
Investment Lending
Home loan solutions designed for property investors, including guidance on borrowing capacity, loan structure, and long-term investment strategy.
Self Employed Borrowers
Specialist lending support for self-employed borrowers, contractors, and business owners with non-standard income structures.
Refinance Home Loans
Review your existing loan to see if refinancing could deliver better rates, improved features, or access to equity as your circumstances change.
Debt Consolidation
Combine multiple debts into a single home loan to simplify repayments and potentially reduce overall interest costs.
Bridging Loans
Short-term lending options that allow you to buy your next property before selling your current one, subject to eligibility and lender criteria.
FAQS About Our Home Loan Services
Mortgage Broker Q&A
What does a home loan broker do?
A home loan broker helps you compare loan options from multiple lenders to find a home loan that suits your situation. Instead of applying directly to one bank, a broker assesses your income, expenses, deposit, and goals, then matches you with lenders whose criteria are the best fit.
Why should I use a home loan broker instead of going directly to a bank?
A bank can only offer its own products. A mortgage broker has access to a wide range of lenders, which means more choice and better comparisons. If one lender says no, another may assess your situation differently.
Does it cost anything to use Hello Home Loans™?
No. Our home loan broker service is free to you. Mortgage brokers are paid a commission by the lender once a loan settles. This commission does not affect your interest rate.
How many lenders does your home loan broker work with?
Hello Home Loans™ works with 20+ lenders, including major banks and specialist lenders. This allows your Brisbane home loan broker to explore more options than a single bank can offer.
Can a home loan broker help if I’ve been rejected by a bank?
Yes. Being rejected by a bank doesn’t mean you can’t get a home loan. Different lenders have different rules, and an experienced mortgage broker can help find a lender that’s better suited to your situation.
Can I get a home loan if I’m self-employed or have a low deposit?
Possibly, yes. A home loan broker can help self-employed borrowers and buyers with smaller deposits explore lenders that regularly assess these scenarios.
How much deposit do I need to buy my first home?
There’s no single answer. Your home loan broker will help you understand what deposit options may be available based on the lender, the property, and your overall financial position.
How do I know how much I can borrow?
Borrowing capacity depends on your income, expenses, debts, and credit history. A mortgage broker will assess these factors and give you a clear borrowing range before you proceed.
How long does a home loan application usually take?
Timeframes vary by lender and situation. Your home loan broker will manage the process and keep you updated at every stage.
Do you offer virtual or after-hours appointments?
Yes. Hello Home Loans offers virtual meetings and flexible appointment times, including evenings and weekends by request.
How do offset accounts work?
An offset account is like a best friend for your loan — it helps lighten the load. Linked directly to your mortgage, it reduces the amount you're charged interest on by the balance it holds. Say you have a $500,000 loan and $40,000 in your offset — you only pay interest on $460,000. Over time, this can mean big savings and a faster route to owning your home outright.
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Customer Testimonials
Don’t just take our word for it—hear from our happy homeowners who began their journey with a simple 'Hello'.
"The Best Broker In Brisbane"
"Hands down the best broker in Brisbane. Helped me & family achieve what we thought would never be possible for us. Went above & beyond and superseded our expectations immensely. If you’re wanting a broker that goes the extra mile for his clients and wants to see you in your dream home as much as you do, then look no further. Thanks for everything Beau"
Rhys Collins
"Exceptional mortgage broker"
"Beau provided us with an exceptional mortgage broker experience. He is reliable, approachable and really knows his stuff. Nothing is too much trouble for Beau. His guidance and expertise through the process of securing a construction loan was outstanding. Highly recommended!"
Renae Roberts
"Loan approved with minimal stress"
"Definitely recommend Beau to get your loans sorted. This is my second home, but it was my first time using a broker. Beau was able to navigate the complexities of my situation and get the loan approved with minimal stress on my side. Will be using again in the future."
Patrick Poole
"Guided us through refinancing"
"We have worked with Beau at Hello Home Loans for over seven years. He helped us secure the loan for our first home, guided us through refinancing, and has just assisted us in purchasing our second home while also arranging funds to renovate our first property to get it rental ready..."
Zack Mathews
"We are so grateful for all of your help"
Beau has helped us so much through our journey of becoming first home owners. He helped us navigate an unknown world making sure that all our questions were answered promptly minimising what is a very stressful but exciting time. We are so grateful for all of your help and guidance Beau, thank you!
Jessica Gamble
"The best home loan broker in Brisbane"
"Beau is hands down the best home loan broker in Brisbane and I honestly could not recommend him more highly. From the very beginning he was incredibly helpful, patient and professional and he made what could have been a stressful process feel smooth and manageable. He took the time to explain everything clearly answered every question I had"
Elissa Wright
"Beau was amazing I highly recommend him"
"My husband and I purchased 2 investment properties with our self managed super fund.
Neither of us had any experience previously purchasing this way, so this was quite daunting.
Beau guided us, kept us well informed and up to date with progress reports and handled himself in a very professional and calming manner. Beau was amazing"
Cheri Day
"We refinanced our mortgage with Beau"
"We refinanced our mortgage with beau from hello home loans. First time using a broker and could not have been happier with his service and knowledge. First time changing banks and beau made it a very simple stress free journey. Will continue to recommend beau to our family and friends."
Wendy Mager
