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Looking For A Simpler, Easy To Manage Home Loan?
How KBF help
Your first home loan, or your fifth, is one of the biggest financial decisions you'll make. From simplifying contracts and paperwork – we’re here to help.
Like the homes on your wishlist, no two loans are the same. Step by step, we’ll help you make sense of the nonsense, and work with over 60 banks and lenders to find the loan most suited to your unique needs.
1. Reach out
Our home loan experts are here to help and we're a friendly local North Brisbane team. Simply reach out here.
2. Your loan
We set about finding the right loan for your needs, comparing 60+ most trusted lenders in Australia.
3. Your new home
Our team have a leading loan success rate, we're here to help you secure the home you want.
Why choose Kelly Brothers Finance?
We Keep It Simple
When it comes to your home loan, we make sure that you understand all the steps and requirements, and we make it easy. Finding and buying the right first home is hard enough.
We're Family
We're a family run team, and believe in making sure that you have the right home loan for not only your needs, but your family too, like if you need a guarantor for example.
We're Here Now, And Later
Your home loan is an investment that requires ongoing maintenance, including regular check-ups to make sure you have the best home loan rates and terms now, and in the future. With KBF you don't need to worry.
Glowing 5-Star Reviews
If you're like us, you'll want to read a number of reviews before getting in touch. Please feel free to see our reviews here, from first home buyers to seasoned investors: Our Google Reviews
Meet North Brisbane's home loan experts
Tom Kelly
Director - Home & Car Loans
tom@kellybrothersfinance.com.au
Tom is renowned for his genuine passion for looking after his clients, consistently exceeding their expectations with outstanding results. Specialising in home finance, he has a keen interest in the property market. Tom thrives on helping clients achieve what they once thought impossible. On a personal note, Tom is passionate about his fitness recently completing his first 100km ultra-marathon and is a true diehard Broncos fan and enjoys all things NRL.
Steve Kelly
Director - Commercial Loans
steve@kellybrothersfinance.com.au
Steve has established a strong reputation in the professional services industry for his reliability and results. Specialising in development funding, commercial property, and business funding, Steve takes pride in consistently helping his clients achieve their goals. As the numbers guy behind Kelly Brothers Finance, he brings a unique perspective to deals that others might overlook. Unafraid of challenges and passionate about continuous learning, Steve has completed multiple bachelor’s degrees and a Master's in Applied Finance. Steve has also completed multiple ultra-marathons and is looking forward to running his first 100miler soon.
Gilbert Albertson
Mortgage Broker
gilbert@kellybrothersfinance.com.au
With over a decade in finance including 10 years as a mortgage broker at Apple Loans Qld and KBF, Gilbert is dedicated to simplifying the home buying journey. He takes immense pride in delivering exceptional service, ensuring clients secure the best loan tailored to their needs and guiding them to plan for future financial decisions. Beyond mortgages, he enjoys coaching soccer, traveling, and relishes his partner's exceptional cooking.
Asmir Suljic
Mortgage Broker
asmir@kellybrothersfinance.com.au
Asmir is an enthusiastic and energetic individual who has spent the last 10 years in various positions in the finance industry. He has developed a true passion for making his clients dreams come true through excellent service and always being available. Asmir thinks anything is possible and does not take NO for an answer. So rest assure, Asmir has got you covered.
Scott Albertson
Business Development Manager
scott@kellybrothersfinance.com.au
Scott is a Business Development Manager for KBF and was the previous principal of Apple Loans (Qld) since its formation back in 2006. Scott has been in the banking and finance industry for over 40 years in a range of roles that has given him experience and knowledge across a variety of lending types. This experience allows him to provide clients with the very best service for even the most complicated finance proposals. Out of the office Scott is a passionate supporter of the Sydney Swans and the Wallabies. He is a keen squash player and likes a round of golf and enjoys a glass or two of red wine.
John McDonnell
Associate
john@kellybrothersfinance.com.au
John is an accomplished problem solver that’s been in the finance industry since 2019. John prides himself on his ability to find solutions and a warm customer experience. John is an associate that strives to create a smooth and stress-free experience for his customers, providing clear and concise information throughout the loan process. Always ready to go above and beyond to achieve the best outcomes possible.
Lindsay Watson
Associate
lindsay@kellybrothersfinance.com.au
Lindsay is dedicated to providing the best customer experience, having over 25 years’ experience in customer service roles. Lindsay has lead teams in retail, Optics & property delivery outstanding results, she is all about delivering the best customer journey. Lindsay has been in the finance industry since 2022 as a Broker Support Associate, and when she isn’t looking after our clients, Lindsay is a sports enthusiast and loves the Great outdoors.
Myza Andres
Myza is a dedicated Broker Support Executive with 2 years of experience in loan organisation and support, and 2 years of experience in bookkeeping & accounting. She is an organised and detail-oriented person with a comprehensive understanding of mortgage procedures. She is proficient in administrative tasks, client communication and providing support to mortgage brokers. Apart from being a BSE, she loves to go cafe hopping during weekends and enjoys random jam sessions with her friends
We negotiate with over 60 leading lenders for you, including the big four banks.
What do lenders look at when approving a North Brisbane home loan?
When applying for a home loan, lenders typically assess:
- Income & employment stability – A steady income reassures lenders of your repayment ability.
- Credit history – A strong credit score improves your chances of approval.
- Deposit size – A larger deposit can unlock better interest rates and reduce LMI (Lenders Mortgage Insurance).
- Debt-to-income ratio – Lower existing debts can strengthen your application.
At Kelly Brothers Finance, we work with a range of lenders to find the best home loan for your situation, whether you’re a first-time buyer, upgrading, or investing.
Can I use equity from my current home to buy a new property in North Brisbane?
Yes! Equity is the difference between your home’s value and your remaining mortgage. Many homeowners use their equity to:
- Buy a second home
- Upgrade to a larger property
- Invest in real estate
At Kelly Brothers Finance, we help homeowners in North Brisbane unlock equity and structure their loans efficiently. We’ll assess your home’s value, calculate your usable equity, and explore financing options to help you move forward confidently.
How do I buy a new home while selling my current one?
There are several strategies to buy and sell a home at the same time, including:
- Bridging loans – These provide funds to buy before you sell.
- Conditional purchase contracts – You can make an offer on a new home, subject to selling your existing property.
- Extended settlements – This allows more time to sell your current home.
At Kelly Brothers Finance, we specialise in home loan solutions for North Brisbane homeowners. We’ll assess your financial situation and recommend the best strategy to help you secure your dream home without unnecessary stress.
What is a bridging loan, and how does it work when changing homes?
A bridging loan is a short-term loan that helps you buy a new home before selling your current one. It covers the gap between the purchase of your new property and the sale proceeds from your existing home.
At Kelly Brothers Finance, we help North Brisbane homeowners secure bridging loans with flexible repayment options, ensuring a smooth transition. The loan is typically interest-only during the bridging period and converts to a standard home loan once your existing property is sold.
If you’re upsizing, downsizing, or relocating, a bridging loan can provide financial flexibility and peace of mind. Contact us today to explore your options.
