Your Local Sunshine Coast Mortgage Broker
Our Sunshine Coast team offers clear home loan advice, straightforward lender comparisons, and the ongoing support you would want from people who do this every day. Whether you are buying your first place, refinancing, or adding to an investment property portfolio, we compare loan products from more than 20 banks and lenders to help find a loan that fits your situation.
Synergy Mortgage Brokers is a local brokerage with offices on the Sunshine Coast and in Toowoomba, working with clients from Maroochydore and Mooloolaba through to Caloundra, Noosa, Buderim and the hinterland. This page is general information, not credit advice, and any home loan is subject to lender approval and your own circumstances.
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Why Work With a Mortgage Broker on the Sunshine Coast?
Walking into a single bank means seeing one set of loan products, one lending policy, and one view of your borrowing capacity. A mortgage broker gives you a wider view of the market in one conversation.
As finance professionals, we show you where your options sit across a panel of lenders, not just one. That matters on the Sunshine Coast, where buyers are often weighing up established suburbs, new estates, lifestyle properties in the hinterland, and investment purchases in the same conversation. Different property types can mean different lenders, different structures, and different interest rate outcomes.
We also handle the paperwork: the application, the lender questions, and the chasing of approvals. That is our job, not yours. And as mortgage brokers, we are bound by law to act in your best interests when we recommend a loan.
Our Lender Panel
One of the biggest benefits of using a broker is access to a wider choice of lenders. Our finance team compares home loan products across major banks, regional lenders, and specialist non-bank lenders to help find the right fit for your needs.
Access to a panel of lenders means we can compare interest rates, features, fees, and serviceability criteria against your situation. We are not tied to any single bank, so our recommendations are made with your best interests in mind.
What Our Toowoomba Clients Say
We're committed to providing clear advice and ongoing support. Here's what clients have said about working with the team.
Home Loan and Finance Solutions for Sunshine Coast Buyers
Whatever stage you are at, we will work to match you with a loan structure and lender that suits your situation.
Buying your first place? First home buyers often want to understand what they can borrow before they start looking. We walk you through your borrowing capacity, loan options, and the government schemes you may be eligible for, so you know where you stand before you make an offer.
Could you be getting a better deal on your current mortgage? We assess what you are on now, compare it against current options, and help you refinance to adjust your repayments, access equity, or consolidate debt where it makes sense for you.
Growing a property portfolio? We work with investors to structure finance for an investment property, including interest-only and equity-release options, matched to your goals and cash-flow needs.
Self-employed or running a business? Finance can feel more complex with variable income, and we help self-employed clients look at suitable home loan options, including low-doc and alt-doc products.
Looking to access equity in retirement? A reverse mortgage can give eligible homeowners aged 60 and over access to funds without regular repayments. We explain how it works and what it means for your long-term position so you can decide if it suits you.
Construction & Land Loans
Building on a block across the Sunshine Coast? We can help with a construction loan or a land and build package, and talk you through progress payments, fixed-price contracts, and how to structure the finance.
How It Works
Getting started is simple, with support from the first conversation through to settlement.
Step 1: Free Consultation. Tell us about your goals. We assess your financial situation, talk through your options, and answer your questions with no obligation.
Step 2: Comparison. We compare products across our panel of lenders to look for the right rate, features and structure for you, with a clear breakdown of what each option means.
Step 3: Application & Approval. We manage the paperwork, liaise with the lender, and keep you informed through to approval. Where it helps, we can also arrange pre-approval so you can make an offer with confidence.
Step 4: Settlement & Beyond. We stay with you through to settlement and are available to review your loan when your circumstances change.
Why Choose Synergy Mortgage Brokers on the Sunshine Coast
We are a client-focused brokerage with offices on the Sunshine Coast and in Toowoomba, working with clients across Queensland. Here is what to expect.
Access to a wide panel of lenders
We compare banks, credit unions and non-bank lenders to find what suits your needs.
Personalised service
No cookie-cutter advice. We take the time to understand your situation, goals and borrowing needs.
Expert guidance at every step
From your first enquiry through to settlement and beyond.
No broker fees
Our service is generally at no cost to you, as we are paid a commission by the lender. Some products or situations can involve a fee, and if one applies, we will tell you upfront before you proceed.
Ready to talk? Get in touch with our Sunshine Coast team for a free, no-obligation chat about your home loan options
Local Market Knowledge: Maroochydore and Beyond
The Sunshine Coast keeps attracting buyers: families relocating from Brisbane, investors after coastal property, and locals upgrading within the region. From Maroochydore and Mooloolaba to Caloundra, Noosa, Buderim and the hinterland, each pocket has its own price points and property types.
That local knowledge matters for your application. Lenders can treat coastal units, lifestyle blocks and new estates differently, so understanding how a property is likely to be assessed helps us point you toward lenders that suit what you are buying. If you are searching for a mortgage broker in Maroochydore or anywhere across the Coast, we work with buyers right across the region.
Frequently Asked Questions
How much does a mortgage broker cost on the Sunshine Coast?
In most cases, our service is at no cost to you, because we are paid a commission by the lender when your loan settles. Some products or situations can carry a fee, and if one applies, we will tell you upfront before you proceed, so there are no surprises. The right loan for you is not decided by what a lender pays us, as we are bound to act in your best interests.
What does a mortgage broker do?
A mortgage broker compares home loans across a panel of lenders, recommends options that suit your situation, and manages the application from start to settlement. Rather than dealing with one bank, you get a wider view of the market in one conversation, plus someone to handle the paperwork and lender questions for you.
Is it better to use a mortgage broker or go directly to a bank?
Going directly to a bank gives you that bank's products and lending policy only. A mortgage broker compares options across many lenders and is legally required to act in your best interests, which a bank's own staff are not. Which suits you depends on your situation, but a broker generally gives you more options to weigh up.
What government schemes can first-home buyers on the Sunshine Coast use?
First home buyers in Queensland may be able to use schemes such as the First Home Guarantee, the First Home Owner Grant, and stamp duty concessions. Eligibility rules and amounts change over time, so the best step is a quick chat where we check the current schemes against your situation. This is general information and does not confirm your eligibility.
How many lenders does a mortgage broker compare?
It varies by broker. Our team compares home loan products across a panel of more than 20 banks and lenders, including major banks, regional lenders and non-bank lenders. A wider panel means more options to compare on rate, features and lending criteria.
Meet the Synergy Mortgage Brokers Team
At Synergy, you're not just another borrower; you're part of our community. Our team brings together decades of experience in finance, banking, and broking, with a genuine commitment to helping every client achieve their homeownership and financial goals.
Brendan Philp
Director & Mortgage Broker
Before entering finance, Brendan ran his own small business, and that experience shapes how he works with clients today. He understands that a home loan decision is rarely just financial. Brendan has led the team since early 2022 and works with first home buyers, upgraders, investors, and self-employed borrowers.
Credentials & Affiliations:
- Graduate Certificate in Business
- Bachelor of Commerce (Business Law)
- Diploma of Finance & Mortgage Broking Management
- Credit Representative #541982
Marcus Barnard
Director
Marcus brings over 25 years of banking experience, having worked across Queensland and northern New South Wales in senior roles including State Agribusiness Manager and Regional Executive, with a significant portion of that career spent across Toowoomba and the Darling Downs. He joined Synergy in 2022 and works across residential, commercial, equipment, and agribusiness lending.
Credentials & Affiliations:
- Bachelor of Business (Property Studies)
- Graduate Diploma (AgEcom)
- Credit Representative
Janelle Zaknich
Broker Assistant
Janelle brings over 20 years of experience in the finance industry, having worked with leading organisations including REA Group/Mortgage Choice, KPMG, and ING Direct. Her experience spans broking, credit assessment, and compliance.
Credentials & Affiliations:
- Diploma of Financial Services (Finance/Mortgage Management)
- Certificate IV in Financial Services
- Bachelor of Business in Tourism
Where We Service
Sunshine Coast Office
Maroochydore
Address:
Level 3/ 482 Ruthven St, Toowoomba City QLD 4350
Phone: 1300 324 588
Email: info@synergymortgagebrokers.com.au
Opening Hours: Monday–Friday: 8:00 am–5:00 pm
Our Maroochydore office services clients across the Sunshine Coast region, including Noosa, Caloundra, Buderim, and Mooloolaba.
Can't make it in person? We provide phone and video consultations to clients Australia-wide, so no matter where you are, you'll get the same personalised service.
Toowoomba Office
Toowoomba City
Address:
Level 3, 482 Ruthven Street (Walton Stores),
Toowoomba QLD 4350
Phone: 1300 324 588
Email: info@synergymortgagebrokers.com.au
Opening Hours: Monday–Friday: 8:00 am–5:00 pm
Our Toowoomba office serves clients across the Darling Downs region, including Toowoomba, Highfields, Oakey, Pittsworth, Warwick, and surrounding areas. Whether you prefer to meet face-to-face or connect remotely, our team is ready to help.
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Ready to Start Your
Mortgage Journey?
Whether you're buying your first place, refinancing, or looking to grow an investment portfolio, Synergy is here to help.
Get in touch today for a free, no-obligation consultation with one of our experienced brokers for options tailored to your needs and professional support.