mortgage broker BROADBEACH & Gold Coast
Welcome to the Gold Coast home loan experts.
We've been helping Gold Coast home buyers, investors and families since 2011, with home loan advice that works for you - not the bank.
About Serres, mortgage broker broadbeach
Meet Lee Tsiboukas, Senior Gold Coast Mortgage Broker.
For over 15 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. Local experts.
Every question you have, no matter how big or small, gets a straight answer from the same person every time. You’ll always know exactly where you & your loan stands.
2. Jargon-free advice.
Home loans come wrapped in language most people don't use. LVR, LMI, comparison rates, serviceability. We cut through the noise and explain everything simply & practically.
3. Sharper rates.
With 50+ lenders on our panel, we can negotiate better terms for our clients. For example, clients who refinanced with us last year saved an average of $487 a month.
broadbeach & Gold Coast HOme Loan Experts
We make even the most complex Gold Coast home loans simpler.
Buying, building, investing or refinancing, we can help.
Mortgage Pre-Approval
Secure your dream Gold Coast home with confidence. Get pre-approved for a mortgage and be ready to make an offer when the perfect opportunity arises.
First Homebuyer Assistance
Navigating the home-buying process can be overwhelming. Let us guide you every step of the way, ensuring a smooth journey to becoming a proud homeowner.
Home Loan Refinancing
Save money on your monthly mortgage repayments. Our Gold Coast mortgage broker can help you explore refinancing options that suit your needs.
Self-Employed Mortgages
Being self-employed shouldn’t hinder your dream of owning a home. We specialise in finding mortgage solutions for entrepreneurs, making it easier to qualify for a loan.
Investment Property Loans
Expand your Gold Coast or Australia wide real estate portfolio with ease. Our tailored investment property loan solutions can help you maximise your returns.
Specialised Debt Structures
Navigate complex financial situations with ease, from reverse mortgages to tailored debt release structures, our experts help you find unique solutions.
How Our broadbeach Mortgage broker helps
How does our mortgage broker help?
Did you know that around 70% of Australian home loans now use a broker, and here at Serres we plug into 70+ lenders to find what fits you, not what suits a particular bank's agenda. In essence, we're here to help with your unique needs, not someone else's.
We also review your rate every twelve months, for as long as you hold the loan, whether there's a commission in it or not. It's not just about finding the right loan today, it's about making sure it's still the right loan in five years, on the Gold Coast or anywhere else in Australia you live or invest.
Schedule a call to find out more.
Accredited with 70+ lenders.
We negotiate with over 70 banks & lenders.
Some of the lenders we work with include:
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
Get in touch.
I'll reply the same way you contacted me, unless you say otherwise.
Contact Us
FAQs.
Home loans should be simple, transparent and tailored to you. Here are the questions we're asked most often, with no jargon - just straight answers.
Do you work across Broadbeach and the wider Gold Coast?
Yes — we're based in Broadbeach and work the full coast. Apartments, townhouses, canal-front homes, commercial and investment stock across Broadbeach, Broadbeach Waters, Surfers Paradise, Main Beach, Bundall, Benowa, Mermaid Waters, Clear Island Waters, Isle of Capri and Chevron Island, then north through Southport, Labrador, Runaway Bay, Paradise Point, Helensvale, Hope Island, Sanctuary Cove and Coomera. Send us the address and we'll tell you which lenders will fund that specific property before you go any further.
What deposit do I actually need for a Gold Coast apartment?
Budget 20% plus costs for the widest lender choice and no LMI. Below that it's still very doable — 10% is common, 5% is possible — but the smaller the deposit, the fewer lenders will fund a high-density address in Broadbeach, Surfers Paradise or Southport. Allow on top for stamp duty, legals, building and pest, and the body corporate disclosure search. If you're a doctor, dentist, lawyer, accountant or another eligible profession, a handful of lenders waive LMI to 90% and sometimes 95% — that changes the maths completely, so ask before you spend another year saving.
I'm self-employed, is that a problem?
No — it's most of what we do, and the Gold Coast has more self-employed borrowers than almost anywhere in the country. What matters is which lender reads your numbers properly. Add-backs (depreciation, one-off expenses, additional super, interest on debt being refinanced), retained profits, trust distributions and directors' fees are all assessable income with the right lender and invisible to another. Some will use your most recent year alone rather than a two-year average, which matters if last year was your best. Have ready: two years of company and personal returns and notices of assessment, current-year BAS, and your ATO integrated client account. Under two years trading, or financials not lodged — alt doc is still an option on BAS or an accountant's declaration.
Does Broadbeach suit growing families?
Yes — Broadbeach State School serves the area and Merrimac State High School at Mermaid Waters is the local secondary catchment, roughly ten minutes inland. Broadbeach Waters, Clear Island Waters and Benowa sit close by with canal-front houses that carry none of the high-density restrictions, though waterfront valuations bring their own volatility and lenders vary widely on canal versus main-river frontage. Confirm any catchment on EdMap before you buy on it.
What does using a Serres mortgage broker cost me?
Nothing in almost every case. We're paid a commission by the lender once your loan settles, and it doesn't change your rate — it comes out of the lender's margin, not your loan. Our Credit Guide sets out exactly how much, from whom, and any clawback arrangements. If a fee ever applied to your situation, you'd know in writing before any work started.
