First home buyers
A $30,000 grant on new homes, $0 stamp duty on new builds and a 5% deposit with no LMI. We check what you may be able to use and find a lender whose policies fit.
See grants & options →
Mackay · Isaac · Bowen Basin
Mackay mortgage brokers. Home loans built around how you earn.
Roster pay, overtime, allowances, a business of your own. Tell us what you want to do and we'll call you back with options from banks and specialist lenders.
What are you looking to do?
- 5.0 Google · 19 reviews
- Local Mackay brokers
- Call back within 1 business hour (Mon–Fri)
5.019 Google reviews, Oct 2026
Banks & specialist lendersOne conversation, many options
68 Sydney St, MackayLocal office, local knowledge
Life-of-loan serviceAnnual rate reviews included
What we help with
One broker for every loan in your life.
Tell us where you're headed. We'll match you with the lender and structure that suit you, and explain every fee and feature before you sign.
Refinancing
If you haven't checked your rate in two years, there's a fair chance you're paying a loyalty tax. We compare your loan against the market and handle the switch.
Check my rate →Investment loans
Structured with your accountant in mind: splits, offsets and interest-only periods set up so the loan works as hard as the property.
Investment loans →Mining & FIFO workers
Roster pay, site allowances and overtime, matched to lenders that count them. Moranbah, Dysart, Clermont or Mackay-based, we know the paperwork lenders want.
Mining & FIFO loans →Self-employed
Full-doc, low-doc and specialist options for sole traders and company owners, including add-backs your bank may have missed.
Self-employed loans →Upgrading & bridging
Buy before you sell, or sell before you buy. We'll set out the bridging and timing options and what each costs.
Bridging finance guide →Construction
Land and build loans with progress payments managed stage by stage, so your builder gets paid and you don't get surprised.
Construction loans →Commercial property
Commercial pricing is negotiated, not published. We present your business properly so you get a sharper offer.
Commercial loans →Car & equipment
Utes, work vehicles, caravans, plant and machinery. Chattel mortgage, lease or personal loan, compared side by side.
Car & equipment →
Mining, FIFO & DIDO
Your roster isn't a problem. The wrong lender is.
Lenders differ on how much overtime, shift penalties and site allowances they'll count, and how long you need to have been in the role. Some won't lend in mining towns at all. Picking the right lender first can change the outcome of your application.
We help Bowen Basin workers with this regularly, so we check which lenders suit your situation before we submit.
| Common roster | What we look at |
|---|---|
| 7 on / 7 off | Base, shift loadings and how long you've held the pattern |
| 4 on / 4 off | Penalty rates and averaged overtime across your payslips |
| 14 / 7 FIFO | Site and travel allowances, and where you'll live |
| 8 / 6 DIDO | Postcode policy for Moranbah, Dysart and nearby towns |
| Contractor / ABN | Day-rate history, contract length and tax returns |
How it works
Four steps from first chat to settlement.
We talk
A 15-minute call about your goals, income and timing. No credit check, no obligation.
We compare
We assess your borrowing power across lenders and recommend a loan, with the reasons in writing.
We apply
We prepare the application, deal with the lender and keep you updated until approval.
We stay on
After settlement we review your rate each year so your loan keeps pace with the market.
Free tools
Run the numbers yourself.
Open to everyone, no sign-up. Every result shows its assumptions, and a broker can turn it into a lender-accurate figure.
Free download
Mackay First Home Buyer Kit 2026
A printable checklist: the documents lenders usually ask for, the steps from first chat to keys, and every Queensland and federal first home program with links to the official pages.
- Documents checklist, including roster and self-employed income
- $30,000 grant, $0 duty and 5% Deposit Scheme rules, with sources
- Step-by-step from conditional pre-approval to settlement
Your team
When you call, you get one of us.
Between us we've worked across real estate, lending and property management, so we see the whole transaction, not just the loan.
LC
Luke Curtis
Director & head brokerTen years in real estate showed Luke how confusing finance can be for families. He started Cutting Edge Finance to fix that. Licensed agent and auctioneer.
0407 453 409NW
Naomi Walton
Mortgage brokerA broker in her own right with a Diploma of Finance and Mortgage Broking Management and a background in real estate and business. Most first calls come straight to Naomi.
0458 773 002KW
Kassy Wagner
OnboardingKassy gathers what we need at the start, so your broker can get straight to your options.
admin@cutfinance.com
Client reviews · 5.0 from 19 Google reviews
What our clients say.
“I can’t thank Luke and the team enough for all their help and support throughout the purchase of my new home. From start to finish, they made the whole process smooth, stress-free and easy to navigate. … Saying they go above and beyond is an understatement”Jai H. · Google review ·
“Luke has been phenomenal to deal with! From the first phone call through to settlement. He is honest and practical and always willing to help. … I would 10/10 recommend Luke especially for first home buyers, he makes everything seem so simple.”Gemma T. · Google review ·
“Luke has immensely helped me build out the foundations of my property investment portfolio, and optimise the lending of my owner occupier home. He has often gone above and beyond my expectations of a broker and is always quick to respond.”Andrei K. · Google review ·
“Cutting Edge Finance are great to deal with. Professional, helpful, friendly. Luke is an absolute gentleman and really supportive.”Nick B. · Google review ·
“Professional, friendly, helpful and efficient. Cannot fault Luke and his team at Cutting Edge Finance.”Llewyn C. · Google review ·
“Luke has been professional and easy to deal with, the sale of our existing home and the purchase of our new home was a long and clunky process which would not have eventuated without Luke's knowledge and experience.”Damian J. · Google review ·
Reviews are from Google and shown as written. Individual results vary.
Buying or selling at the same time?
We work alongside Century 21 Coast to Coalfields from the same Sydney Street office, so your sale, purchase and loan run on one timeline.
Questions
Things people ask before they call.
Does it cost anything to use a broker?
For most residential home loans there's no fee to you. We're paid a commission by the lender you choose, and we disclose exactly how much in our Credit Guide and in writing before you proceed. If a fee ever applies, for example on some commercial or private lending, we'll tell you upfront.
Will talking to you affect my credit score?
No. The first conversation needs no credit check. A credit enquiry only happens once you choose a lender and apply, and only with your consent.
Can I get a loan on FIFO or roster income?
Yes. Lenders treat overtime, allowances and shift penalties differently, and some have restrictions in mining postcodes. We match you with lenders whose policies fit your roster and location before anything is submitted.
I'm self-employed. Do I need two years of tax returns?
Often, but not always. Some lenders accept one year of financials, BAS statements or an accountant's letter. Bring what you have and we'll tell you which options are open.
How much deposit do I need?
It depends on the lender, the property and your situation. Some first home buyers can borrow with as little as 5%, and government schemes or a family guarantee can help further. We'll show you what applies to you.
Do you only work in Mackay?
Our office is in Mackay and we know the Isaac and Whitsunday markets well, but we can help clients anywhere in Australia by phone and video.
Visit or call
Come in for a chat.
Call or text0458 773 002Luke Curtis direct0407 453 409
Emailbroker@cutfinance.comHoursMon to Fri, 8.30am to 5pm
After-hours calls by appointment
After-hours calls by appointment