Mortgage broker in Main Beach

Buying or refinancing in Main Beach

Main Beach is the strip of sand between Narrowneck, just north of Surfers Paradise, and the Gold Coast Seaway, with The Spit, Sea World and the Broadwater at its northern end. Tedder Avenue is the main street of a high-rise area of restaurants, cafes and shops, and the 2021 Census counted 89% of occupied homes as flats or apartments. At Narrowneck, on its southern boundary, council built an artificial reef to hold the foreshore, one of the works that followed the 1967 cyclones that stripped most of the sand from Gold Coast beaches.

The 2021 Census put the median age at 57, with 46% of homes owned outright and a third of all dwellings empty on census night, which points to retirees, downsizers and second-home owners. Most loans here are for apartments, where lenders check the building, internal size and any short-stay use, and some cut the maximum LVR.

G:link has a Main Beach station on the run between Southport and Surfers Paradise, and the light rail connects to the Gold Coast train line at Helensvale.

How we work with Main Beach clients

Most Main Beach clients never meet us in person, and it makes no difference to the outcome. The first conversation is thirty minutes on video or phone: where you are, what you have, what you want to do. You get a written lending plan with the borrowing figure, the structure and the costs line by line. Documents go through a secure portal, identity is verified electronically, and we lodge with the lender you choose the same way a local broker would. The team chases valuation, approval and settlement, and you hear about progress before you ask.

What Main Beach clients come to us for

• Home loans and upgrades
• Refinancing and rate reviews
• Investment loans, including buying from interstate
• First home buyer loans
• Construction and renovation loans
• SMSF loans

What Queensland buyers should know in 2026

First home buyers in Queensland pay no transfer duty on a new home or vacant land at any price, and none on an established home up to $700,000, with the concession tapering away by $800,000. The First Home Owner Grant is $30,000 on a new home valued under $750,000. From 1 August 2026 the home concessions apply only to Australian citizens, permanent residents and some foreign retirees. The federal 5% Deposit Scheme cap is $1 million in Brisbane, the Gold Coast and the Sunshine Coast, and $700,000 elsewhere in Queensland.

Investors pay the general rate of duty: about $38,025 on a $1,000,000 purchase, against $30,850 for an owner-occupier using the home concession. Land tax applies once an individual owns more than $600,000 of Queensland land, and land in other states is not counted. These figures are as published by Queensland Revenue Office and the federal government in October 2026.

None of this is personal credit advice. Your situation is assessed before any recommendation, the lender is chosen on the written comparison, and the commission we are paid by the lender is disclosed in your Credit Guide before you decide anything.