Brisbane’s booming—and so is your borrowing power.
From New Farm’s leafy charm to the high-rise buzz of South Bank, we help locals and future Brisbanites find the perfect home loan, fast. Whether you’re chasing Olympic-sized investment returns or just want to beat the auction crowd, CBM Mortgages brings clarity, confidence, and cheeky charm to Brisbane’s property game.
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Brisbane’s property market has undergone a remarkable transformation in recent years. Since 2020, Greater Brisbane’s median house price has surged from around $558,000 to over $1,000,000 a staggering 76% growth in five years, driven by interstate migration, limited supply, and lifestyle appeal of Queensland living.
Recent RBA rate cuts in 2025 have further fuelled buyer confidence, triggering renewed activity across both house and unit segments. Whether you’re refinancing or buying, working with expert mortgage brokers experienced in Brisbane like CBM Mortgages ensures you remain on top of lender changes, local supply conditions, and investment opportunities specific to the Brisbane market.
~2.78 million (2024)
~9.2% (2020–2024), driven by interstate migration
$1,010,566 (June 2025), ~6.3% annual increase
$718,196 (June 2025), ~10.9% annual growth
Vacancy at ~0.9–1%, rent rising ~3.4% (houses), 5.1% (units) year‑on‑year
9–14% growth expected in 2025–26, up to 16% if interest cuts continue
Brisbane housing market demands clarity, planning, and expert guidance. With property values climbing steadily and lending criteria becoming more dynamic, it’s important to understand the different types of home loans available and how they align with your financial goals. Whether you’re upgrading to a larger property, investing in to a rental property, or refinancing to take advantage of better rates, having the right loan structure can significantly affect your monthly repayments, borrowing power, and long-term wealth strategy.
Navigating your options with a knowledgeable broker ensures that you’re not only choosing a product with the right rate, but also with the right features such as offset accounts, redraw facilities, and flexible repayment terms that match your lifestyle and objectives.
Each type of mortgage differs and you need to know the benefits that can assist your goals and financial situation. Here’s a simple overview:
Lock in your interest rate for up to five years, ideal for budgeting and provides you certainty of repayments during the fixed rate term. Fixed rate loans normally have restrictions on additional repayments so you need to know those restrictions before starting this type of loan.
Flexible repayments tied to market conditions best for those comfortable with rate changes and seeking potential savings. Normally there is no limitation on making additional repayments with this type of loan.
Often used by investors: lowers initial repayments by paying interest only for a set period (1–5 years), but requires you to be aware the repayments will increase when the loan reverts to principal and interest repayments.
Understanding your interest rate is extremely important as it will determine your loan repayment.
Typically spans 25–30 years, balancing monthly affordability with long-term interest costs.
Making 12 repayments per year
Making 26 payments per yeay
Weekly repayments can help you pay off your loan quicker
Reduces interest by linking savings
Provides you access to any additional funds you may have paid into the loan.
Note: Interest-only loans typically require monthly repayments and offer limited feature flexibility during their term.
Brisbane continues to outperform other capitals in growth and affordability. Its strong interstate migration, tight vacancy rates, and rising rental yields (3.5–4.5%) make it a preferred destination for investors.
Inner-ring suburbs such as New Farm, Fortitude Valley, and Redcliffe are attracting substantial buyer interest due to lifestyle, rental demand, and affordability compared to Sydney or Melbourne.
With Brisbane hosting the 2032 Olympics, infrastructure expansion is expected to boost property values further, although experts caution against predicting a housing boom purely from the event alone.
At CBM Mortgages, we guide you to match investment goals with loan structures, whether prioritising cash flow or capital growth.
Interest only can be a preference with someone looking to grow their investment portfolio
Accelerate equity build-up and often qualify for lower rates in investor lending.
We will have an initial consultation and look at your borrowing capacity based on your personal sitation and if you are ready start preparing the relevant documents for you to obtain a pre-approval.
We will assist you find the best lender for your own scenario prior to submitting a pre-approval.
We will gather the required documents and once you prick your preferred lender we will submit an application and advise you on that lenders service levels.
Your finance approval will give you the confidence to go out and purchase your Brisbane property.
Once you have an offer accepted and exchange on your new home we will then proceed to convert your pre-approval into a formal approval and organise the loan contracts to then move forward and complete and own your new home.
Flexible and strategic home loans tailored to complex income and employment structures.
Bridging loans, equity access and sustainable repayments for growing households.
Advice on structuring loans for long-term portfolio growth and cash flow efficiency.
Support navigating grants, deposit thresholds, and negotiations with lenders to simplify the buying process.
With rapid property appreciation and built-up equity, refinancing can help you:
CBM Mortgage guides you through comparing refinancing offers to ensure long-term benefit outweighs short-term costs.
Based right here in Brisbane, CBM Mortgage combines local understanding with financial expertise across residential, investment, and refinancing domains. We partner with lenders big and boutique to find you competitive and flexible loan options.
We pride ourselves on transparent service, fast communication, and lasting client relationships. More than brokers we’re your Brisbane neighbours focused on your financial success.
As Certified mortgage brokers in Brisbane, CBM Mortgage is ready to help you explore strategic, tailored home loan options whether you’re buying, investing, or refinancing.
Get in touch today for a free, no-obligation consultation and let’s turn your property goals into reality.
