Areas we serve · Central Gold Coast
Your mortgage broker in Surfers Paradise.
Maxfin broker Rebecca Tickner is based in Surfers Paradise — a market where the building you buy in shapes your lending options as much as your income does. High-density lending is its own discipline, and it's daily work here.
The local picture
Apartment lending is a different game.
High-density postcode rules
Lenders treat high-rise postcodes differently: some cap their exposure within a single building, some lower the maximum loan-to-value ratio, and policies shift between towers. Two identical borrowers can get different answers on different floors of the same street.
Small units and internal size
Many lenders set minimum internal areas for apartments — commonly around the 40 to 50 square metre mark, varying by lender and excluding balconies. Studio and compact units still have lending paths; the shortlist is just narrower.
Short-stay and holiday-let income
Lenders read short-stay rental income differently from a standard tenancy — some accept a portion, some none at all. If the property runs on holiday letting, lender choice directly shapes borrowing power.
Investors, rentvesters and first units
From a first apartment to a multi-property portfolio, structure comes first: ownership, borrowing entity and security selection are settled before the application is lodged.
What we arrange
Assessed across a 30+ lender panel. All lending is subject to lender criteria, credit assessment and individual circumstances.
Common questions
Asked in Surfers Paradise.
Can I get a loan for a small or studio apartment in Surfers Paradise?
Often, yes. Some lenders set minimum internal-size requirements, so the shortlist is narrower for compact units — but specialist and non-bank lenders assess them case by case. Subject to lender criteria and individual circumstances.
Will lenders count my Airbnb or holiday-let income?
It varies significantly. Some lenders accept a portion of documented short-stay income, others assess the property on a standard rental appraisal instead, and some exclude it. We match the application to lenders whose policy fits how the property actually earns.
Do you meet clients in person?
Yes — Rebecca is based in Surfers Paradise and meets Gold Coast clients in person, with video appointments available Australia-wide.
I live here but want to invest elsewhere. Can you help?
Yes. Lending on property anywhere in Australia is standard work, including rentvesting strategies — renting where you live, owning where the numbers work. General information only; everyone's situation is different.
22 years in practice. Based on the Gold Coast, working Australia-wide.
Speak with the firm
A consultation, simplified.
A Maxfin broker will review your situation, outline the lending options, and explain the trade-offs of each. The initial consultation is complimentary and obligation-free.