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About Us

At Cube Home Loans we believe that loan products should be easy to understand, easy to access and allow you peace of mind.

Regulations in the broking industry are continuing to improve across Australia. Think of your broker as being a professional resource in the same way you think of your accountant, financial planner or solicitor. We are in the business of building ongoing relationships with our clients and to think of your best interests, not those of the bank.

We will work with you and your service providers (real estate agent, conveyancer and lender) during your purchasing process, while ensuring we help you obtain the finance that best suits your circumstances and needs.

Thank you for taking the time to read about the steps to buying your home and obtaining finance. This guide is designed to help you through the process to ensure nothing is missed and that many of your questions are answered.

By all means, please call the office on 1800 774 756 for more information or clarification about your own circumstances.

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Scott Beattie
Business Development Manger

Dip. FMBM, C.dec
M: 0402 720 613
scott.b@cubecentral.com.au
Linkedin

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Simon Bracic
Senior Mortgage Consultant

Dip.FMBM, CDec
M: 0414 852 585
simon.b@cubecentral.com.au
Linkedin

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Allan Cresser
Mortgage Consultant

Dip. FMBM, AdvDip. E.E
M: 0466 973 834
allan.c@cubecentral.com.au
Linkedin

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Rob Bulley
Mortgage Consultant

B.Comm, Dip. FP, Cert IV FMB
M: 0417 726 075
rob.b@cubecentral.com.au
Linkedin

Jo

Jo Beattie
Operations Manager

M: 0402 154 739
jo.b@cubecentral.com.au
LinkedIn

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Plant & Equipment / Vehicle Finance Specialist
Position Vacant

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Reverse Mortgage Specialist
Position Vacant

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Mortgage Broker
Position Vacant

Our Awards

Services

We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.

There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.

We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:

Supporting First Home Buyers

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.

Investment Loans

Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.

Commercial Loans

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.

Honeymoon Loans

A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

General Insurance

We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through Cube General and Cube Commercial Insurance along with Cube Financial Planning, we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for a second opinion on price and cover.

For General Insurance, we can offer the following quote options –

1) For up to an 11% discount on Allianz home & or contents, landlords, motor, trailer / caravan insurance, call 1300 90 90 30 & quote CA40819

For Allianz Small Business Insurance, call 1300 484 586, select Option 1 and then 2 & quote CA40819

2)  For Priority Service with Real Insurance, call 1300 363 552 and quote #7336302

3)   For all other insurances, please call the office on 1800 774 756 or email insurance@cubecentral.com.au

Plant & Equipment

You can also ask us to access you some great finance options for other purposes such as loans for private cars and recreational vehicles, commercial vehicles, as well as plant and equipment for your business. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more. The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your personal financial circumstances and goals. With depreciating assets, the right finance can also save you a lot of money on interest and fees.

Call and ask for Richard for all of your car loan, plant and equipment needs!

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 money on interest and fees, or potentially help you maximise your tax benefits.

AND MORE – 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 peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

Why Choose Us

Whether you are a first home buyer or a seasoned investor, we are committed to providing you with the right home loan to meet your needs. Along with providing great interest rates, unlimited additional deposits and redraw facilities, we will provide you with customer service that you will value for the life of your loan.

In our experience in dealing with clients who have been through the finance process before, we hear a number of common issues –

“The lender never called me back”
“I never knew where my loan was at”
“The loan that I had was terrible”

So, we introduced 3 simple guarantees –

  1. If you don’t like your loan for ANY reason within the first 13 months of the original settlement date, we will rewrite the loan and refund any upfront commission we make on the new loan to you upon settlement of the new loan
  2. If we don’t return your call within four business hours, we’ll pay you $100 upon settlement of your loan
  3. If we don’t provide an update on a loan in progress (until formal approval) at least every five working days, we’ll pay you $100 upon settlement of your loan

We also offer a customer courtesy trailer which is free to use, simply book it in and collect from the Cube Home Loans head office and return in when you are finished.

This and our industry leading customer service is what sets us apart from other home loan providers. Our commitment to you, our borrowers:

  • We will be easy to do business with
  • You will talk to a real person
  • We will get back to you
  • We will go the extra mile, every time
  • We will listen to what you want
  • We will provide a home loan that suits your needs
  • We will provide attractive interest rates
  • We are here to serve you and you will be 100% satisfied with our service

We have a dedicated team here in house, ready to answer your questions. When you call the team, your call will be answered by a real person. Your queries will be answered by a friendly team member, our team will guide you through your home loan application process and into the future.

Not only that, our team is qualified and fully compliant. You can feel confident that you are in safe hands and we will find the loan that’s right for you.

At Cube Home Loans, we’ll help you make your house, your home.

Cube Home Loans uses a secure service that allows you to log in to your online banking and have your statements retrieved and automatically sent to us.

Please click here to access this free service: https://www.bankstatements.com.au/iframe/start/CBCT

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Resources

We work hard to make sure you understand what is going on in the finance industry.

Our communications ensure that you are kept up to date with useful information that tells you what you need to know. For example, we will let you know the outcome of the monthly Reserve Bank of Australia (RBA) meeting, and what this means for interest rates.

Downloads

Monthly Newsletters

Join our newsletter

Calculators

Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to you get 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 Cube Home Loans before placing your deposit or purchasing any property.

Contact Us

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.

CONTACT INFORMATION

Postal Address: Suite 1, 182 Stern Rd,
Carbrook Qld 4130

Phone: 1 800 774 756
Fax: (07) 3112 6880
Email: info@cubecentral.com.au