Your mortgage broker in Tannum Sands.
Independent home loan, refinancing and investment lending advice for Tannum Sands families, first-home buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we know how Gladstone-region income and this coastal market actually work.
Everstone Finance is an independent mortgage broker serving Tannum Sands, Central Queensland. Founded by former major-bank lenders, we help Tannum Sands families, first-home buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Tannum Sands is its own kind of market, and it pays to have a broker who gets that
With 1,955 houses against just 243 units, Tannum Sands is strongly house-dominant, and that shapes nearly every lending decision here. A family home a few streets back from Tannum Sands Beach carries a median of around $785,000, while the smaller pool of units and townhouses sits closer to $402,000. Because freestanding houses are what most people buy, the deposit, the build or renovation plans, and how a lender reads Gladstone-region income matter more than almost anything else.
This is a coastal town in the Gladstone Region of Central Queensland, about 20km south-east of Gladstone city, with the Boyne River separating it from its twin town Boyne Island, the Millennium Esplanade running along the foreshore, and Canoe Point and the Coral Sea on the doorstep. Of roughly 5,227 residents the predominant age group is 10 to 19, dwellings are split 69% owner-occupied to 31% rented, and the average owner has held their home for about 9 years. It is a settled, family-led market built around local industry, and that same industry income is exactly what a careful broker needs to present well.
The trend lines have been moving fast. Over five years the house median has climbed sharply, roughly 57%, while units are up around 34%, and indicative gross rental yields on units sit near 6%. Much of that demand is tied to Gladstone's heavy industry, the Boyne Smelter, the Curtis Island LNG plants, alumina refining and the Port of Gladstone, where the workforce skews trades, construction, shift and project work, often with overtime, allowances or fly-in fly-out income that lenders treat very differently.
Whether you are buying your first home near the Esplanade, building or renovating, refinancing a loan you have held while values jumped, or buying for yield in a high-rental town, the right structure and the right lender matter more than the headline rate. That is the conversation the Everstone team has with you, in plain English, with no pressure. As an independent broker we hold a 5.0 Google rating and operate under the Best Interests Duty as Australian Credit Representative 526374.
Tannum Sands property market snapshot (May 2026)
A direct read on where the Tannum Sands market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
Units & apartments
How Tannum Sands values have moved
Median values over the last five years for houses and units, plus the indicative gross rental yield on units, so you can see the direction of the market, not just today’s number.
What the five-year trend shows: over the past five years the Tannum Sands house median has risen sharply (roughly +57%) and the unit median has also grown strongly (roughly +34%), reflecting strong Gladstone-region demand. Indicative gross rental yields on units have stayed high over the same period, ending around 6.2%. These trajectories are read from the Cotality charts and rounded to each chart’s axis grid, shown to illustrate direction rather than exact monthly figures.
In short: as at May 2026, buying a house in Tannum Sands typically means ~$785,000, while a unit typically means ~$402,000. With around 69% of residents owning their home and values up sharply over five years, getting the structure and the lender right 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 Tannum Sands QLD 4680, as at May 2026. Figures are indicative, rounded, and change over time. Contact Everstone Finance for the latest before making decisions. Page reviewed June 2026.
What it is really like to buy in Tannum Sands
Tannum Sands is a relaxed beachside town in the Gladstone Region of Central Queensland, built for families and tied closely to local industry. With houses outnumbering units by roughly eight to one, this is overwhelmingly a freestanding-home market, so for most buyers the lending conversation is about a house, a deposit and how a lender reads Gladstone-region income, not which apartment block a bank will fund.
The homes, street by street
The sought-after streets sit close to Tannum Sands Beach and the Millennium Esplanade, where established and newer family homes carry a house median near $785,000, with a sale-price band running from roughly $640,000 at the lower quartile to about $895,000 at the upper. Further back toward Wurdong Heights and the newer estates there is fresh house-and-land and build stock, while the small pool of units and townhouses, with a median around $402,000, gives first-home buyers and investors a more affordable entry. Lenders treat new builds, off-the-plan and house-and-land contracts differently from an established home, so the type of purchase shapes your finance from the start.
Getting around and the lifestyle
Life here runs on the water and the outdoors. Tannum Sands Beach, Canoe Point, the Boyne River and the Millennium Esplanade anchor a fishing, boating and family lifestyle, with Wild Cattle Island offshore and Lake Awoonga a short drive inland. Boyne Island sits just across the river as the town's twin, and Gladstone city, about 20km north-west, provides the major shops, the hospital and the airport. That easy coastal lifestyle, paired with steady industry work, is what keeps demand for Tannum Sands homes strong.
Tannum Sands lending, in practice
Tannum Sands is a town built on Gladstone's industry, the Boyne Smelter, the Curtis Island LNG plants, alumina refining and the Port of Gladstone, so a lot of borrowers here earn through trades, construction, shift and project work, often with overtime, allowances, shift loadings or fly-in fly-out arrangements. How a lender counts that income can change your borrowing power dramatically, and not every bank treats it the same way. Add construction and new-build loans into the mix and the right lender choice matters even more, which is exactly what we sort before you commit to a Tannum Sands purchase.
Refinancing your home loan in Tannum Sands
When did you last check your rate? In a market like Tannum Sands, where house values have jumped sharply over recent years, many owners have built real equity quickly while staying on the same loan they took out years ago. House values are up strongly over five years, units have grown too, and yields stay high, so the loan that suited you at purchase may no longer be the one that fits your equity or your plans today.
Is it actually worth refinancing?
Refinancing only stacks up when the savings clear the costs. There can be discharge fees on the old loan and setup or valuation costs on the new one, so the honest question is how long it takes the lower repayment to pay those back. With Tannum Sands repayments commonly sitting in the $1,800 to $2,399 a month band, even a modest rate move can free up real cash flow for a family budget, so it is worth running the actual break-even before you switch.
Releasing equity in Tannum Sands
Fast-rising house values mean many Tannum Sands owners are sitting on equity they have built in just a few years. Released sensibly, that can fund a renovation or extension, a deposit on a Tannum Sands or Boyne Island investment property, a new build, or consolidation of more expensive debt. The amount a lender will release depends on its current valuation and how it assesses your income, both of which can differ from one bank to the next, so it pays to compare before you draw on it.
The industry-income factor
Because so many Tannum Sands incomes include overtime, allowances, shift loadings or fly-in fly-out work, a refinance here often comes down to which lender will actually count that income, and at what proportion. The bank that wrote your loan may take a narrow view of your real earnings, while another counts far more of them, which can change both your rate and how much you can release. Matching your Tannum Sands file to a lender that understands Gladstone-region industry income is exactly what we sort before you refinance.
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 quick 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 reviewWhatever stage you're at
The same plain-English, best-interests approach, tailored to how people actually buy and invest in Tannum Sands 4680.
First-home buyers
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With houses the norm here, we map your true borrowing capacity, deposit options and any first-home grants or schemes you're eligible for, so you can move confidently into your first Tannum Sands home.
Refinancing
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If you've held your loan a while as values jumped, you may be sitting on equity and 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.
Industry & FIFO income
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If your pay includes overtime, allowances, shift loadings or fly-in fly-out work around Gladstone's industry, we know which lenders count that income properly, and how to present your file so it's assessed on its real strength.
Construction & new builds
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Building in a Tannum Sands or Wurdong Heights estate, or buying house-and-land? We arrange construction and new-build lending and explain how progress draws, deposits and valuations differ from buying an established home.
Property investors
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Tannum Sands offers strong regional rental yields of around 6%, which makes it a genuine investor market. We structure lending across principal-and-interest and interest-only with rental income and future portfolio moves factored in.
Self-employed & complex income
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If your income isn't a simple payslip, whether you contract to local industry or run your own trade, we know which lenders take a sensible view, and how to present your file 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 tick-box.
Book a free Tannum Sands mortgage consultation
15 or 30 minutes · phone or Zoom, Australia-wide · calendar invite sent immediately
Tannum Sands mortgage broker FAQs
Who is the best mortgage broker in Tannum Sands?+
Everstone Finance is an independent mortgage broker serving Tannum Sands, Central Queensland (QLD 4680), 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 526374.
Do I need to be in Tannum Sands to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and work with Tannum Sands borrowers remotely, by phone and Zoom, right across Australia. Home lending is handled online and by document upload, so being in Central Queensland while we're in Victoria makes no difference to the loan you can access or the service you get.
Can you use my overtime, allowances or FIFO income for a Tannum Sands home loan?+
Often, yes. Many Tannum Sands borrowers earn through Gladstone's industry with overtime, shift loadings, allowances or fly-in fly-out arrangements, and lenders treat that income very differently. We know which banks count more of it, and how to present your file so it's assessed on your real earning capacity.
What does property cost in Tannum Sands right now?+
As at May 2026, Cotality (CoreLogic) data puts the Tannum Sands house median value at around $785,000 and the unit median at around $402,000. 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.
Do you help investors buying for yield in Tannum Sands?+
Yes. Tannum Sands offers strong regional rental yields of around 6%, which makes it a genuine investor market. We structure investment lending across principal-and-interest and interest-only, factoring in rental income and future portfolio moves, and can model the numbers for a Tannum Sands 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.
Other areas we serve
Helpful guides for Tannum Sands buyers
Suburb market figures are sourced from Cotality (RP Data) and are indicative. cotality.com.au
Serving Tannum Sands QLD 4680 · based at 35 Malcolm St, South Yarra VIC 3141
0407 834 757 · ahmed@everstonefinance.com.au