Meet Kyle Downey, your local mortgage broker in Caboolture.
First home buyer loans, bridging loans, reverse mortgages and more.
Work out what you could borrow before you start looking.
The Home Loans We Specialise In
First Home Buyer Loans
Buying your first home comes with more questions than answers. How much can you borrow, what deposit do you need, and which grants might apply to you? Kyle has spent 12 years in lending and has helped hundreds of first home buyers across Caboolture and Moreton Bay work out where they stand before they start looking. You do not need to understand home loans before you talk to us.
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Bridging Loans
Found the next place before the current one has sold? A bridging loan covers the gap, using the equity in your existing home so you can buy without waiting for settlement. They are short term, usually 12 months or less, and they cost more than a standard home loan, so the timing and the numbers need to work. We will walk you through what it would actually look like for your situation, and what it means in the local market.
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Reverse Mortgages
A reverse mortgage lets older homeowners borrow against the equity in their home without selling it or making regular repayments. Age requirements vary by lender, generally from around 60. The loan is repaid when the home is sold. It suits some people and not others, and it affects what you leave behind, so it deserves a proper conversation rather than a quick yes or no. We will explain how it works and whether it makes sense for you.
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Investment Loans
Buying a property to rent out works differently to buying a home to live in. Loan structure, deposit and tax treatment all change. We work alongside your accountant so the loan fits the wider plan.
Variable and Fixed Rate Loans
Fixed gives you certainty. Variable gives you flexibility and the benefit if rates fall. Plenty of people split across both. We will talk through which suits your situation rather than pushing one.
Honeymoon Loans
Some lenders offer a lower introductory rate for the first six to twelve months, then revert to their standard variable rate. Worth understanding what the repayments look like after that, not just during.
Not sure what kind of loan you need?
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you the money on the interest and fees, or potentially help you maximixe your tax benefits.
Not sure what kind of loan you need for your current financial circumstances? That's our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you the peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
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Buying your first home? Read our guide to the Queensland First Home Owner Grant and stamp duty savings.
WHY CHOOSE US
We'll find the loan that's right for you
Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.
Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:
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We will be easy to do business with
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You will talk to a real person
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We will get back to you
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We will go the extra mile, every time
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We will listen to what you want
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We will provide home loan options that suit your needs
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We will source competitive interest rates
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We are here to serve you and ensure you will be 100% satisfied with our service.
We have a dedicated team here in house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.You can feel confident that you are in safe hands and we will find the loan that’s right for you.
CALCULATOR
Use our mortgage calculators to estimate how much you can borrow.
We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input.
Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of High Point Finance before placing your deposit or purchasing any property.
ABOUT US
Our Team is Ready to Help you!
High Point Finance is located in Caboolture and we love our local community as well as the greater Southeast Queensland region. There's nowhere better on earth to live as we have amazing weather, incredible people and a wonderful lifestyle. At High Point Finance, we are proud to assist clients to finance their little part of this part of the world and take pleasure from seeing people achieve their home or investment goals. Whether you're buying your first home, upgrading, investing, or refinancing, we're here to help you find the right loan, from a range of lenders for your situation. We combine expert lending knowledge with a genuine, personal and relatable service, giving you the confidence to make informed decisions while saving you time and hassle along the way.
Meet our Team
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Kyle Downey
Principal Broker
Phone: 0493 010 111
Email: kyle@highpointfinance.com.au
With 12 years of lending experience at one of the big four banks, Kyle has helped hundreds of first home buyers understand their options and get into their first place with confidence. He knows exactly what lenders look for, and takes the time to explain every step in plain English, so you always know where you stand.
Megan Downey
Broker Support
With a keen eye for detail, Megan assists with paperwork, applications and regular client updates, helping make the process feel simpler and less stressful. Megan is also dedicated to providing clients with an annual home loan review, helping them stay informed about their current loan, interest rate and available options as their needs or the market change.
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Our Partners
CONTACT US
Get in touch today
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
The privacy of your personal information is important to us. By providing your personal information to High Point Finance, you consent to be contacted by a representative of High Point Finance from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe by notifying us and we will no longer send this information to you. Click <here> to view our full Privacy Policy.
Send us a message
CONTACT US
Get in touch today
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
The privacy of your personal information is important to us. By providing your personal information to High Point Finance, you consent to be contacted by a representative of High Point Finance from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe by notifying us and we will no longer send this information to you. Click <here> to view our full Privacy Policy.
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The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether it's right for you, and seek independent financial and legal advice before making a decision.