0430 359 299
Own Your Home With Confidence
Helping Brisbane families buy, refinance and invest without the confusion.
⭐⭐⭐⭐⭐ Trusted by 100+ happy clients
🟦 Compare 40+ lenders
🟦 Fast pre-approvals
🟦 Personalised strategy
🟦 Ongoing support after settlement
🟧 See My Borrowing Options (60 Seconds)
TESTIMONIALS
Trusted By Brisbane Families & First Home Buyers
Why choose DCI Finance
🏆 $100M+ Loan Portfolio
🏦 30+ Lenders
⭐ 100+ Happy Clients
📍 Brisbane Based
🤝 Ongoing Support
FREQUENTLY ASKED QUESTIONS
Question 1: How much can I borrow?
Based on income, debts, expenses, and lender policy—not just your salary.
Question 2: How much deposit I need?
Not always 20%. Many buy with 5–10%, especially using schemes like the Low Deposit Scheme.
Question 3: What is Lenders Mortgage Insurance ( LMI )
A one-off cost if your deposit is under 20%. It protects the lender, not you.
Question 4: How long does pre-approval lasts?
Usually 3–6 months, depending on the lender.
Question 5: What incentives or grants can I get?
Depends on your situation and location. In Queensland, first-home buyers may access grants and stamp duty concessions.
Question 6: Should I buy now or wait?
Trying to time the market rarely works. The better question is: Are you financially ready?
DOES ANY OF THIS SOUND FAMILIAR?
😟 You're tired of renting.
😟 You're unsure how much you can borrow.
😟 Banks keep giving conflicting advice.
😟 You're worried you'll overpay.
😟 You don't know where to start.
👉 That's exactly why DCI Finance exists.
About us
Hi, I'm Derek Chan
When it comes to finding the right home loan - I will endeavour to make it easier. I believe that successful banking is all about relationships. That’s why I’ll be there to support you through your home loan process. From completing your application right down to purchase and settlement,
STEP 1 Work out your budget Every home buying journey begins with a clear budget in mind. Let us assist with these common questions.
How much can I borrow and afford?
Should I get a conditional approval?
How much deposit do I need?
What are the other costs to buying a home?
STEP 2 Search for your first home.
It’s time to hit the pavement and attend property inspections. It’s important to do your research on house prices while hunting for that perfect property.
STEP 3 Choose your first home loan with Vast Choices and options.
Choosing the right first home loan is just as important as finding the right first home for you. Whether you have a clear idea on the home loan you want or you would like to speak to an expert on your options, we will help you find the right home loan for your individual circumstance.
STEP 4 Purchase your first home.
Once you’ve found your first home and have reached an agreement with the seller, the settlement process begins. We can talk you through the likely next steps to prepare for settlement, which will include the following:
Contact a solicitor or conveyancer to review your contract of sale
Return your signed contract of sale to the seller
Organise a building and pest inspection
Ensure you have enough funds to cover the property settlement and solicitors fees.
Organizing banks to complete formal settlement
Derek Chan ABN 644 898 520 52 Credit Representative 539141 has access to a panel of lenders through National Mortgage Brokers Pty Ltd., (ACN 093 874 376 / Australian Credit License 391209), which is a fully-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248983 / Australian Credit License 286596). Derek Chan ABN 644 898 520 52 Credit Representative 539141 has access to products including those from Liberty Financial.