APARTMENT LOANS GOLD COAST
We check the building before you check the view.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, APARTMENT LENDING EXPERT
Chat with Lee, your Gold Coast apartment lending expert.
For over 14 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. Building and postcode policy checked upfront.
Some lenders cap lending in high-density buildings or won't fund certain postcodes at all. We know which of our 70+ lenders will fund the specific building you're looking at, before you fall in love with it.
2. Body corporate and size checks done early.
Body corporate records, sinking fund balances and minimum apartment size all affect whether a lender will proceed. We check them while you can still walk away.
3. Valuation risk flagged early.
Off-the-plan and new-build apartments can value differently to the contract price. We flag that risk while you can still negotiate, not once you're locked into an unconditional contract.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast apartment buyers use Serres?
Two lenders can look identical on price and reach opposite decisions on the same apartment, because building-level and postcode-level policy varies more than most buyers expect.
Send us the address before you make an offer and we'll tell you which of our 70+ lenders will actually fund that specific property.
Schedule a call to find out more.
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
What deposit do I need for a Gold Coast apartment?
Budget 20% plus costs for the widest lender choice and no LMI. Below that it's still workable, 10% is common and 5% is possible, but the smaller the deposit, the fewer lenders will fund a high-density address.
Are some buildings harder to finance than others?
Yes. High-density postcodes and certain buildings carry exposure caps at some lenders and not others, which is why we check building and postcode policy before you make an offer.
Does buying off the plan change the finance?
It can. Off-the-plan and new-build settlement risk depends on how lenders value the completed property against the contract price, so we assess this before you commit.
Can I use equity in my current home instead of a cash deposit?
Often, yes. We assess your usable equity and structure the new loan so it doesn't tie your properties together unnecessarily.
