DOWNSIZING HOMES GOLD COAST
Downsize on your timing, not the buyer's.
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, DOWNSIZING LENDING EXPERT
Chat with Lee, your Gold Coast downsizing 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. Retiree income assessed properly.
Retirees, self-funded retirees and downsizers, assessed by lenders who understand income that no longer arrives as a payslip.
2. Apartment policy checked before you offer.
If you're moving into an apartment, we check building and postcode lending policy before you make an offer, not after.
3. Bridging available where timing is tight.
Where you want to secure the next place first, bridging finance covers the gap between purchase and settlement of your current home.
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 downsizers use Serres?
Lenders vary enormously on how they treat retirement income, self-funded retirees and exit strategy, which is what usually decides a downsizing application rather than the rate.
We hold accreditations across 70+ banks, non-banks and specialist lenders, and check apartment and postcode policy before you commit to the next 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.
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FAQs
Can I get a loan if I'm retired or semi-retired?
Often, yes. Lenders differ significantly on how they assess self-funded retiree income and exit strategy, so we place the application with one whose policy fits your situation.
Should I buy the next place before selling?
It depends on your equity and the market. Bridging finance makes it possible where the numbers support it, and we model the cost of the bridging period first.
How does downsizing into an apartment affect finance?
High-density buildings and certain postcodes carry lending caps at some lenders and not others, which is why we check building policy before you make an offer.
What will I actually walk away with?
Agent commission, marketing, legal fees and stamp duty on the purchase all come off the top. We map the full picture before you list rather than after.
