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Getting a mortgage in Queensland mostly comes down to four key things:

1. Your income and expenses – Lenders want to see that you earn enough to comfortably repay the loan. That includes your salary, any other income, and how much you spend each month.
2. Your deposit – In most cases, you’ll need at least 5–20% of the property price saved as a deposit. A bigger deposit usually gives you better loan options.
3. Your credit history – Lenders check your credit report to see if you’ve paid off debts reliably in the past. It doesn’t have to be perfect, but they want to know you’re consistent.
4. Employment stability – Ideally, you’ve been in your current job for a while or have a steady income if you’re self-employed.

There are a few other factors, like any debts you have (like credit cards or personal loans), but those are the big ones.
If you’re not sure how your situation stacks up, we’re happy to have a chat. We’ll go through where you’re at and give you a clear picture of what’s possible.