Gold Coast · Local Mortgage Broker
A Gold Coast broker who's personally invested in the place you're buying.
I'm Rebecca Tickner, a finance broker based at Hope Island. I've built a seven-property portfolio of my own, and I help Gold Coast locals structure their lending properly... from first homes in Coomera to portfolios spanning the Coast.
Last reviewed
Rebecca Tickner
Finance Broker · Maxfin
Sound familiar?
The problems I hear most often.
Lender appetite varies by property, not just borrower
The right lender for a Broadbeach apartment isn't always the right one for acreage at Tallebudgera. High-density postcodes, small units, house-and-land... policy differs more than most people expect, and picking the wrong door costs time and sometimes the deal.
Phone-only broking has its limits
You can get a loan arranged entirely by phone from someone three states away. But when the deal is complex or the settlement timeline is tight, there's real value in a broker who'll sit across the table from you.
You're building here, not just buying here
A first property on the Coast is often the start of something bigger. If nobody structures loan one with loans two and three in mind, you hit a borrowing ceiling at the worst possible time.
How It Works
Five stages. Walked together.
The same client journey from your first call through to settlement... and the loan reviews that follow.
Tap a stage to explore
01.
Discover
- 15-minute discovery call
- Hello Pack lands in your inbox
- Click “Get Started” to begin your Fact Find
02.
Plan
- Your Fact Find returned
- I assess your servicing
- You receive your Game Plan with my recommendation
03.
Apply
- Game Plan signed
- I lodge your application
- We wait... lender may come back with clarifying questions
04.
Approve
- Conditional approval
- Final conditions satisfied (e.g. insurance)
- Formal approval
05.
Settle
- Loan documents signed
- Settlement booked, solicitor takes the lead
- Loan settled!
In Practice
I broker the way I invest... structure first, lender second, always with the next property in mind. The Coast is home. The standard travels.
Rebecca Tickner
What you get working with me.
Local, and personally invested
I live and invest on the Gold Coast. When we talk about buying here, it's first-hand experience... not a report read from three states away.
In person when it matters
Meet me at Hope Island or nearby, or by video if that's easier. The complex conversations... structure, guarantors, timing... are easier across a table.
30+ lenders, one standard
Major banks and non-majors alike. I recommend the lender whose policy fits your situation, subject to lender criteria and individual circumstances.
Structure-first broking
Seven properties taught me that loan structure matters more than the headline rate. Yours gets set up with the next move in mind.
Queensland costs, explained upfront
Stamp duty, transfer fees, LMI, concessions... I'll walk you through every QLD cost before you commit, so nothing catches you off guard at settlement.
Australia-wide reach
Gold Coast based doesn't mean Gold Coast only. Buying interstate for the portfolio, or moving here from another state? I handle that too.
Get a realistic sense of your position before you start inspecting on the Coast.
RBA rate update · 16 June 2026 applied
1 · What are you looking to do?
2 · Your details
Are you applying with a partner?
3 · Properties you already own
Do you currently own property?
4 · Core debts
Banks assess your limit, not your balance, at 3.8% of the limit per month, even if you pay it off each cycle.
Combined monthly repayments on personal and vehicle loans.
5 · Living expenses
I'll use average household living costs unless you enter your own.
Estimate only. Not a credit offer or pre-qualification. Subject to lender criteria, credit assessment, and a full needs analysis. Rental income and existing lending may be assessed differently by different lenders. Get in touch for advice tailored to your situation.
Questions
Frequently asked.
Do you meet clients in person on the Gold Coast?
Yes. I'm based at Hope Island and meet clients across the northern Gold Coast... Southport, Helensvale, Coomera, Runaway Bay, Paradise Point and surrounds. Video works well for the rest of the Coast and for review meetings once we're underway.
Which suburbs do you cover?
All of the Gold Coast, from Coolangatta to Ormeau, plus clients Australia-wide by video. Where you buy matters less than how the loan is structured... I arrange lending for properties in every state.
How much does a broker cost?
Generally, nothing. Banks pay me a commission when your loan settles, and it doesn't change your rate or your loan amount one bit. My service costs you nothing, plus you get a lot of support, education and guidance. I act in your best interests when providing credit assistance to you.
Heads up: more complex or strategic work, like developments, house flips, or deals with claw-back risk, may involve an upfront fee. Always disclosed up front.
Can you help with Queensland first home buyer concessions?
Yes. Queensland has its own first home concession on transfer duty and a First Home Owner Grant for eligible new builds. The eligibility rules are specific, so I'll check exactly what applies to you... and my QLD stamp duty calculator shows the duty side instantly.
I could use a broker anywhere. Why a local one?
A good broker can work from anywhere, and plenty do. The local difference shows up in the detail... lender appetite for specific Gold Coast property types, realistic timelines with local agents and solicitors, and being able to sit down face to face when a deal gets complicated.
Do you only do home loans?
No. Investment loans, refinancing, first home buyer finance, equipment and vehicle finance, and commercial lending. If it involves credit and a plan, it's worth a conversation.
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Written & reviewed by
Rebecca Tickner
Finance Broker, Maxfin · Diploma of Finance & Mortgage Broking Management (FNS50322) · ASIC Credit Rep 571611 · MFAA Member
I built a seven-property portfolio with my partner. I structure clients' finance the same way I run mine.
More about Rebecca