Who We Help
From your first deposit to your next investment property, we'll find the loan that fits and do the heavy lifting for you.
Hunter Galloway is a boutique Brisbane brokerage that works with home buyers right across Australia. We're deliberately small so we can go deep on every application, which makes us brilliant for some people and honestly not the right fit for others. This page sets out exactly who we help, and who we don't.
Which one sounds like you?
Your first home, without the guesswork
Buying your first place is equal parts exciting and terrifying. We do this every day, so we can tell you what you can actually afford and walk you through every step from pre-approval to keys. We've helped over 3,500 first-time buyers into their first home.
- Work out your deposit, grants and true budget up front
- Buy with as little as a 5% deposit where you qualify
- First Home Owner Grant & stamp duty concessions, sorted for you
Special deals for medical professionals
Lenders treat doctors and many medical professionals as low-risk borrowers, which opens up perks most buyers never see. We know exactly which lenders offer what, and how to structure your loan to make the most of it.
Make your current loan work harder
If you haven't reviewed your loan in a couple of years, you're probably paying too much. Refinancing can lower your repayments or free up cash, and some lenders will even pay you to switch.
- Lower your repayments with a sharper rate
- Access equity for renovations or the next purchase
- Consolidate debt into one simple payment
We compare hundreds of loans against your current one to see where you stand.
Your broker crunches the numbers on whether switching leaves you better off.
Once you choose, we handle the switch from application to settlement.
Structure your portfolio for the long game
Structure is everything in investment lending, on your first property or your fifth. Our brokers have over 35 years of combined experience and we've all invested ourselves, so we build loan structures that protect your borrowing power for the next one.
- Interest-only, offset and cross-collateralisation, done right
- Keep your future borrowing power intact
- Investor-specific rates across 30+ lenders
A default doesn't have to end the conversation
A default, a Part 9 debt agreement or a discharged bankruptcy doesn't automatically rule you out. Our panel includes specialist lenders who look at the story behind your credit file, and we plan the way back to a mainstream lender from day one.
- Defaults, Part 9 agreements & discharged bankruptcy considered
- Specialist lenders most brokers can’t access
- A clear exit strategy back to a mainstream rate
How much could you borrow?
Get a ballpark in ten seconds. It's an estimate to get you started. Your real number depends on your full situation, which is exactly what a free assessment is for.
Indicative only. Not an offer, pre-approval or credit assistance. Your real capacity depends on your income type, existing debts, living costs and lender.
Who we can't help
We're a boutique team and every application takes us around 40 hours to do properly. So a few situations aren't a straightforward yes, either because you'll be better served elsewhere or because there's a smarter path in. Either way, we'll give you a straight answer and point you in the right direction.
Loans under $300,000
A file takes us around 40 hours regardless of size, so very small loans aren’t viable for us. A local branch lender is usually your best bet here.
Low doc & non-conforming
We focus where we add the most value. For these, a specialist broker will serve you better, and we’re happy to point you towards one.
Less than a 5% deposit, on your own
As a standard loan our lenders go up to 95%, so with stamp duty and costs you’ll usually need 5% to 8% saved. Short of that, you’re not stuck. A family guarantor can often get you in with a much smaller deposit, or none at all. Explore guarantor options →
Living overseas
Our credit licence limits us to borrowers based in Australia, so we’re unable to assist expats or non-residents living or working abroad.
If you're not sure where you fit, and we'll give you a straight answer.
Brisbane based, helping all of Australia
We're proudly Brisbane, but where you live is no barrier. If you're interstate we run your whole application by phone, email and video, with the same personal service wherever you are.