Your mortgage broker in Mackay.
Independent home loan, refinancing and investment lending advice for Mackay buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we understand regional Queensland markets.
Everstone Finance is an independent mortgage broker serving Mackay, in regional Queensland. Founded by former major bank lenders, we help Mackay buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Mackay is its own kind of market, and it pays to have a broker who gets that
Sitting around 803km from the Brisbane GPO, Mackay is a coastal regional centre roughly 4.4 square kilometres in size, with about 5.3% parkland and a population near ~4,000 that grew about 10% to 2021. The largest age group is 20 to 29, households are mostly childless couples, the typical workforce is professional, and only about 32% of homes are owned by the people living in them, so this is very much a rental and investor market.
That mix shapes the lending. The house median sale price sits around ~$485K while the larger unit pool is near ~$390K, both well under the metro markets, and gross rental yields here are among the strongest in the state. Values have run hard off a low base over five years, which keeps Mackay firmly on investors' radar while remaining accessible for owner occupiers.
Whether you're buying your first place in Mackay, refinancing a loan you've held for years, or building a portfolio, the right structure matters more than the headline rate. That's the conversation the Everstone team has with you, in plain English, with no pressure. We hold a 5.0 Google rating and operate under the Best Interests Duty as Australian Credit Representative 574314.
Mackay property market snapshot (June 2026)
A direct read on where the Mackay market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
Units & apartments
How Mackay values have moved
Median values over the last five years for houses and units, plus an indicative gross rental yield, so you can see the direction of the market, not just today's number.
What the five year trend shows: these trajectories are read from the Cotality charts for Mackay and rounded to each chart's axis grid. They are shown to illustrate direction rather than exact monthly figures, and they change over time, so treat them as a guide and ask us for the current read before you act.
In short: as at June 2026, buying a house in Mackay typically means ~$485K, while a unit typically means ~$390K. With about two thirds of homes rented and strong yields, the structure of an investment loan matters as much as the rate here, which is exactly the kind of thing we work through with you.
Property and demographic figures sourced from Cotality (CoreLogic) Suburb Report data for Mackay QLD 4740, as at 02 June 2026. Figures are indicative, rounded, and change over time. Contact Everstone Finance for the latest before making decisions.
When did you last check your rate?
Most people set a loan and forget it, while lenders quietly keep their sharpest rates for new customers. A 15 minute review tells you whether you're still on a competitive deal, or leaving money on the table. No cost, no obligation, no credit check.
Book your free 15 min reviewWhatever stage you're at
The same plain English, best interests approach, tailored to how people actually buy and invest in Mackay 4740.
First home buyers
+
We map your true borrowing capacity, deposit options and any grants or schemes you're eligible for, so you can move confidently when the right Mackay place comes up.
Refinancing
+
If you've held your loan a while, you may be on a rate that sharper deals have left behind. We compare 40+ lenders and handle the switch, and we tell you honestly if you're already well placed.
Property investors
+
We structure investment lending across principal and interest and interest only, factoring in Mackay rental income and your future portfolio moves.
Commercial & SMSF
+
Buying premises or refinancing a commercial loan? We arrange commercial and SMSF lending, and explain how the terms, rates and deposits differ from a standard home loan.
Upgraders & downsizers
+
Moving between price brackets is a big jump. We model the numbers, including bridging and equity options, so the next move is a confident one.
Self employed & complex income
+
If your income isn't a simple payslip, we know which lenders take a sensible view, and how to present your file so it's assessed on its real strength.
We know how lenders price loans and where the margin sits. That knowledge now works entirely for you, not the bank.
No charge for our service. Lenders price loans the same whether you go direct or through us, so there's no cost penalty for the help.
Proactive reviews and rate monitoring, and we handle the switch when a better deal appears. Independent, under the Best Interests Duty.
The people behind Everstone
You're trusting someone with one of the biggest financial decisions you'll make. Here's who you'll actually be working with.
Ahmed Lotfi
A former major bank lender who now works entirely for you. Ahmed handles structuring, refinancing and investment lending across the 40+ lender panel.
Zappelin Heng
Co founder with deep lender experience, focused on getting complex and self employed files assessed on their real strength, not a checklist.
Book a free Mackay mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
Mackay mortgage broker FAQs
Who is a good mortgage broker in Mackay?+
Everstone Finance is an independent mortgage broker serving Mackay, Brisbane (QLD 4740), founded by former major bank lenders Ahmed Lotfi and Zappelin Heng. It holds a 5.0 Google rating, compares loans across 40+ lenders, charges clients nothing (brokers are paid by the lender after settlement), and operates under the Best Interests Duty as Australian Credit Representative 574314.
Do I need to be in Mackay to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and work with borrowers across Mackay and the rest of Australia by phone and Zoom, and in person by arrangement. Lending isn't tied to your postcode the way some services are.
What does property cost in Mackay right now?+
As at June 2026, Cotality (CoreLogic) data puts the Mackay house median sale price at around $485,000 and the unit median at around ~$390K. We can assess realistic borrowing capacity for either a house or a unit.
Is using a mortgage broker free?+
Yes. No charge for the consultation, and no charge if you proceed. Brokers in Australia are paid by the lender after settlement, and lenders price loans the same whether you go direct or through a broker, so there's no cost penalty for the help.
Will an enquiry affect my credit score?+
No. A consultation involves no credit check. A credit enquiry is only run once you've reviewed your options and given explicit consent to formally apply.
Can Everstone Finance help investors buying in Mackay?+
Yes. We structure investment lending across principal and interest and interest only, factoring in rental income and future portfolio moves. We can model the numbers for a Mackay investment purchase.
How long does the mortgage process take?+
As a guide: 1 to 2 days to chat and plan, 1 to 2 days to prepare your options, and 1 to 2 days to submit once we have your documents. Settlement then aligns with your contract date. We can move faster when a deadline calls for it.
Serving Mackay QLD 4740 · based at 35 Malcolm St, South Yarra VIC 3141
Nearby areas: West Mackay · South Mackay · East Mackay · North Mackay · Mackay Harbour
0407 834 757 · ahmed@everstonefinance.com.au