Your Home Loan, Made Simple.
From first homes to investment properties, Ironbark Mortgages provides personalised solutions that help you make informed, confident financial decisions.
Whether you’re buying your first home, investing in property, refinancing, or exploring other financing options, Ironbark is here to guide you every step of the way. Our experienced brokers provide tailored solutions, helping you make confident decisions that align with both your short-term needs and long-term goals.
SERVICES
Finance Solutions Designed for You
First Home Buyers
Buying your first home can feel overwhelming, but with Ironbark, you’re supported every step of the way. Your dedicated mortgage broker ensures a smooth and successful purchase, including guidance on government grants and low-deposit options.
Residential Property Loans
We help you navigate property searches, negotiations, and mortgage decisions, aligning every choice with your financial and lifestyle goals. With access to trusted lenders across Australia, we find the best offers and tailor a loan strategy to suit your needs.
Commercial Property Loans
Whether purchasing a commercial property, seeking corporate financing, or exploring investment opportunities, Ironbark provides a seamless process and tailored solutions to support your goals.
Refinancing
Refinancing can help you access better rates, consolidate debt, or adjust your loan structure to meet evolving needs. Our brokers assess your current situation and guide you to the most beneficial solution.
Self-Employed Home Loans
Self-employed? We simplify home loans for entrepreneurs, freelancers, and business owners, helping you navigate complex requirements and secure the best loan for your situation.
Self-Managed Super Fund (SMSF) Loans
SMSF loans offer a tax-efficient way to invest in residential or commercial property, helping you grow and protect your retirement wealth. Ironbark guides you in making informed decisions to maximise returns and secure your financial future.
Why Choose Ironbark Mortgages?
Your own dedicated, experienced broker
someone who understands your unique needs and supports you every step of the way.
Access to a wide network of lenders
giving you more options, competitive rates, and flexible solutions.
Personalised finance solutions tailored to your goals
we align your loan with both your immediate needs and long-term objectives.
A seamless, stress-free loan process
from application to settlement, we handle the details so you can focus on your next move.
Frequently Asked Questions
Find quick answers to the questions we hear most often. For anything more specific to your situation, please get in touch.
What types of home loans does Ironbark offer?
Ironbark provides a wide range of home loans, including residential, commercial, self-employed, refinancing options, SMSF loans, and tailored solutions for first home buyers. We guide you to the loan that best suits your goals and financial situation.
How do I know which home loan is right for me?
Our brokers take the time to understand your financial situation, goals, and lifestyle. We compare multiple lenders and loan products to recommend a solution that aligns with both your immediate needs and long-term objectives.
Can Ironbark help me with both residential and commercial loans?
Yes. We provide expert guidance for residential and commercial property loans, helping you navigate applications, approvals, and lender requirements for a smooth experience.
How do I apply for a home loan with Ironbark?
You can start by contacting us online or speaking directly with one of our mortgage brokers. We’ll guide you through the process, help gather documentation, and manage communication with lenders.
What support do first home buyers receive from Ironbark?
First home buyers get personalised guidance from pre-approval to settlement. Our brokers help with government grants, low-deposit options, and navigating lender requirements to make buying your first home as smooth as possible.
Are there government grants or incentives for first home buyers?
Yes. Depending on your situation and location, first home buyers may be eligible for grants, stamp duty concessions, and other incentives. Ironbark helps you identify what applies and guides you through the application process.
How much deposit do I need to buy my first home?
Deposit requirements vary by lender and property price, usually between 5% and 20%. Our brokers can help explore low-deposit options and strategies to secure your first home sooner.
Can Ironbark help me find the best residential property loan?
Absolutely. We compare rates, fees, and features across multiple lenders to find a loan that matches your financial goals and lifestyle.
How do I compare different residential loan options?
We help you assess interest rates, fees, repayment flexibility, and loan features, ensuring you make an informed choice that aligns with your short-term and long-term objectives.
Can I get help with investment properties?
Yes. Ironbark provides guidance on residential investment properties, including borrowing capacity, loan structuring, and investment planning to support your financial growth.
Can I get a loan for a commercial property through Ironbark?
Yes. We assist with loans for commercial property purchases, refinancing, and investment opportunities, providing tailored solutions to support your business or investment goals.
Do I need to be a business owner to get a commercial property loan?
Not necessarily. Eligibility depends on the property type, loan purpose, and financial situation. Our brokers review your circumstances to find the right lender and product.
How long does it take to get approval for a commercial property loan?
Approval times vary by lender and application complexity. Our brokers manage the process closely to ensure a smooth, timely outcome.
What is refinancing and how can it benefit me?
Refinancing involves replacing your existing loan with a new one, often to access better rates, lower fees, or consolidate debt. It can save you money and help you reach financial goals sooner.
Can Ironbark help me refinance to get a better interest rate?
Yes. We compare lenders to find a competitive rate and loan structure that meets your needs, handling the process from start to finish.
How do I know if refinancing is the right choice for me?
Our brokers review your current loan, financial situation, and future goals to determine if refinancing will benefit you and provide tailored recommendations.
Can self-employed people get a home loan?
Yes. Self-employed borrowers often face stricter requirements, but Ironbark simplifies the process and helps demonstrate income to lenders.
What documents do I need if I’m self-employed?
Typically, lenders require financial statements, tax returns, and business activity statements. We guide you through the documentation and application process.
How does Ironbark help self-employed clients secure a loan?
We leverage our experience and lender network to find suitable products, prepare applications correctly, and secure the best loan for your situation.
What is an SMSF home loan?
An SMSF loan allows you to borrow funds through your self-managed super fund for residential or commercial property investments, offering a tax-efficient way to grow your retirement wealth.
Can I use my SMSF to buy residential or commercial property?
Yes. SMSF loans can be used for both property types, subject to superannuation regulations. We guide you through compliance and strategy.
How does Ironbark help me maximise my SMSF investment?
We help you assess lending options, structure your SMSF, and make informed investment decisions to grow and protect your retirement savings.
What is a mortgage broker and how can they help me?
A mortgage broker compares multiple lenders, finds competitive rates, and guides you through the application process, simplifying home loan decisions and saving you time.
How long does the home loan process take?
Approval times vary depending on the lender and the complexity of your application. Our brokers manage every step closely to ensure a smooth and timely outcome.
Can Ironbark help me understand my borrowing capacity?
Yes. We assess your income, expenses, and goals to provide a clear picture of what you can borrow and which loans suit your situation.
How do I know if I’m eligible for a home loan?
Eligibility depends on your income, expenses, credit history, and loan type. Our brokers review your situation and provide clear advice on your options and next steps.
What Our Clients Say
Trust, reliability and hard work — made everything a breeze.
Trust, reliability and hard work — that was our experience with Ironbark. From home loan to settlement, personal loan and refinancing — everything was a breeze.
Jheinsen Lara
Top-notch communication, efficiency and professionalism.
Excellent from the first phone call! Communication, efficiency and professionalism were top notch — systems and processes were so easy to use.
Linz11 R
Always there to help — day or night.
Ben and Carly have been nothing short of amazing… always there to help no matter the question, day or night.
Rachael Hammermeister
Made buying our first home stress-free and enjoyable.
Thank you Ben and Carly! You made purchasing our first home stress-free and enjoyable — guiding us through every step from the beginning until settlement.
Celeste Velasquez
Professional, patient and supportive through a stressful time.
From start to settlement and continuing on, Carly has been a great help. Professional, patient and understanding during a stressful time.
Luke Mcdonald
Seamless, stress-free and tailored to my needs.
He made the mortgage process seamless, stress-free, and easy to understand, and made sure I got the best possible rates with terms tailored to my needs.
Alicia Fava
Get in touch
Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.
PHONE
POSTAL ADDRESS
PO Box 883, Upper Coomera QLD 4209
UPPER COOMERA
Unit 9/4 Dalton St,
Upper Coomera QLD 4209
SOUTHPORT
Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215
HELENSVALE
15-17 Millennium Circuit,
Helensvale QLD 4212