Brisbane Mortgage Broker

Your Home Loan, Thoughtfully Handled

We help Brisbane families and investors buy with confidence — comparing 40+ lenders, cutting through the confusion, and guiding you from first question to settled loan.

My Enquiry *

Buy my First/Next home

Refinance a Loan

Personal or Car Loan

Explore my Borrowing Power

What is your circumstances now *

ASAP 0-3months

3–6 months

6–12 months

Just researching

How much deposit have you saved?

Under $20000

$20,000–$50,000

$50,000–$100,000

$100,000+

What is your approximate household income?

Under $100k

$100k–$150k

$150k–$200k

$200k+

Your name *

Email *

Phone *

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Our Services

Comprehensive Mortgage Solutions

From first home buyers to seasoned investors, we provide end-to-end lending guidance tailored to your unique situation.

First Home Buyer Loans

We guide first home buyers through every step — borrowing power to settlement — so you can buy with confidence.

Refinancing & Rate Reviews

Already have a loan? We compare your current deal against 40+ lenders to make sure you're not overpaying.

Investment Property Finance

Structure your investment loan for maximum returns and long-term growth. We know which lenders suit investors.

Pre-Approval Fast Track

Conditional pre-approval in as little as 3 days — so you can act fast when the right property comes up.

About Us

Transparent Home Loan Guidance
you can trust

For over 4 years, DCI Finance has helped Brisbane families and investors navigate the complexity of home lending. I believe that successful borrowing is all about relationships — not just rates.

As a mortgage broker operating under National Mortgage Brokers (Australian Credit Licence 391209), I'm legally required to act in your best interests. That's not just a business model — it's my promise to every client.

$100M+

Loans Managed

21

5-Star Reviews

40+

Lenders Accessed

Free

To You, Always

Derek Chan

Founder & CEO · DCI Finance

Testimonial

Trusted by Many

Successful banking is all about relationships.

Build Your Path to Home Ownership

Get clear, personalised guidance from a broker who picks up the phone. No jargon, no pressure — just honest advice and the right lender for you.

Talk to Derek Today

FAQ's

frequently asked questions

Explore our faqs or reach out to understand how our financial guidance works.

How much can I borrow?

Your borrowing capacity depends on income, expenses, existing debts, and deposit size. Most Brisbane buyers can borrow 4–6 times their annual income. Our free 60-second assessment gives you a realistic estimate before you speak to anyone.

How much deposit do I need?

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What is LMI and can I avoid it?

LMI (Lender's Mortgage Insurance) is a one-off premium when you borrow more than 80% of the property value. It protects the lender, not you. It can be avoided with a 20% deposit or by qualifying for the First Home Guarantee (5% deposit, no LMI). Some professional packages also waive it.

How long does pre-approval last?

Pre-approval is typically valid for 3–6 months. If your circumstances haven't changed, we can renew it. Having pre-approval in place means you can move quickly when the right property appears.

What documents do I need to apply?

Typically: last 2 payslips, 3 months' bank statements, 2 years' tax returns (if self-employed), photo ID, and details of any existing debts. We provide a personalised checklist when you book a call.

What grants can I access as a first home buyer?

In Queensland: the $15,000 First Home Owner Grant (new builds), stamp duty concessions (purchases under $550,000), and the federal First Home Guarantee (5% deposit, no LMI). We check your eligibility when we speak.

Is refinancing worth it?

Often yes — especially if your rate hasn't been reviewed in 12+ months. We always compare the cost of switching (discharge and establishment fees) against the long-term savings before recommending a move.

Does using a mortgage broker cost me anything?

No. We receive a commission from the lender on settlement — you pay nothing directly. We are legally required to act in your best interests, not the lender's. Our service is completely free to you at every stage.

DCI Finance

Helping Brisbane families and investors navigate home loans with clarity, honesty, and personalised guidance — from first question to settled loan.

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