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Brisbane based · South-East QLD

Home loans,
minus the
homework

Expertly tailored home loans for your unique circumstances. Andrew compares 60+ lenders to secure the most competitive rates and terms, providing clear guidance and managing the entire process from application through to settlement, all at no cost to you.

5.0 from 41 Google reviews
5.0
from 41 Google reviews
60+
lenders compared
$0
cost to you
Local
Brisbane & South-East QLD
Ask Andrew anything

No such thing as a dumb question

Not ready to "apply" for anything? Perfect. Ask Andrew whatever is on your mind, with zero obligation.

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  • A real human reply, not a bot
  • Free, like the rest of the service

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How Andrew helps

Whatever stage you’re at

First place, next place, investment or a refinance, Andrew’s done it hundreds of times and explains the process in clear, easy-to-understand language.

How it works

Simple, from hello to keys

No bank-speak, no chasing. Just a clear path with someone who has years of experience.

  1. 01

    Have a chat

    A relaxed, free conversation about where you’re at and what you want. Ask anything, no question is too basic.

  2. 02

    See your options

    Andrew compares 60+ lenders and comes back with a shortlist that actually fits you, explained simply.

  3. 03

    Apply with confidence

    He handles the paperwork and the lender back-and-forth, and keeps you updated the whole way.

  4. 04

    Get the keys

    From approval to settlement, Andrew stays in your corner, and he’s there for the next one too.

The goal

Picture yourself home

First-home cottages, brand-new builds, the forever family home. Whatever "home" looks like for you across Brisbane and South-East Queensland, Andrew helps local buyers into places like these.

Start your move

Images are for illustration. They show the kinds of homes Andrew helps clients finance, not specific listings.

See if you're ready

Have you saved a 5% or more deposit?

No-pressure tools

Play with the numbers first

Get a feel for what’s possible, then let Andrew check it properly. No login, no catch.

All calculators

Borrowing power

A quick guide to what you might borrow

+ more detail
You could borrow around $0 putting your buying power near $0 Have Andrew confirm it properly

Indicative guide only, using a buffered assessment rate. Not an approval, quote or credit advice. Your real capacity depends on the lender.

Loan repayments

See what a loan might cost you

Repayment type
Estimated repayment $0 per month
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$0weekly
Get a sharper rate from Andrew

Estimate only. Excludes fees and rate changes. Not a quote or credit advice.

In their words

Brisbane locals, sorted

5.0 · 41 Google reviews
Prompt, communicative and professional, Andrew is exceptional at what he does! He's helped several people in my family/circle with their home loans and I've heard nothing but positive feedback. Would highly recommend!
M Mackenzie Griffiths Recommended 2026-06
Andrew has helped us on two occasions and is always super helpful, professional, and great at his job. We have recommended him to all our friends and they say the same thing. He is always available and able to work with you to get a successful lending outcome. Could not recommend Andrew more!
C Chris Karfs Repeat client 2026-05
Andrew was amazing. He worked with us to refinance our home loan. Answered my never ending questions, responded to emails and messages promptly and explained every step along the way. We will be using Andrew from now on.
M Melissa Gilbert Refinance 2026-05
Andrew was helpful, knowledgeable and readily accessible for updates and information. I appreciated the quick and efficient way he handled my refinancing.
A Ariel Tomson Refinance 2026-05
I have utilised the services from Andrew at Brisbane City Home Loans on two occasions now. Once approximately 10 years ago when I re-financed my Mortgage and the other just recently for similar circumstances. During both of these times, Andrew was found to be more than helpful, experienced and professional at all times. He was also more than accommodating with the numerous questions and queries I had along the way.
D David Worthington 10-year client 2026-04
Andrew is a excellent mortgage broker. Andrew has helped us with multiple transactions / refinances over the last decade. He is very experienced in this space. He is very calm and considered, when his clients may be less so, and goes above and beyond to understand your needs, support you through the process and ensure everything goes smoothly during what is for many a stressful time! Thank you for your help as always Andrew, it is greatly appreciated!
L Luke Madigan Repeat client 2026-04
Andrew was outstanding throughout our home loan process. He was professional, knowledgeable, and made everything incredibly smooth and stress-free. Thanks to his expertise and dedication, our loan was approved quickly and efficiently. We could not recommend Andrew more highly, a fantastic broker who genuinely goes above and beyond.
J Joe McVey Home loan 2026-03
We had a fantastic experience working with Andrew from Brisbane City Home Loans while purchasing our first home. As first-time buyers, the process felt overwhelming at times, but Andrew made everything run incredibly smoothly from start to finish. He was always responsive, quick to answer any questions we had, and consistently kept us updated throughout the process. What really stood out was how personable and approachable he was. He took the time to explain each step clearly and made sure we felt confident in every decision.
H Hadyn O'Connor First home 2026-03
Andrew is truly brilliant at what he does. He is professional and able to find the best loan product possible. I have done a few loans with Andrew and he never fails to deliver. He is always in communication and without his help I would have not been able to acquire my purchases. I would highly recommend Andrew to anyone out there who needs expert advice and experience.
S Sylvester Tan Repeat client 2026-03
Great broker, made the process of buying our investment property straightforward and easy. Would highly recommend.
C Chelsea Scott Investment 2026-02
Prompt, communicative and professional, Andrew is exceptional at what he does! He's helped several people in my family/circle with their home loans and I've heard nothing but positive feedback. Would highly recommend!
M Mackenzie Griffiths Recommended 2026-06
Andrew has helped us on two occasions and is always super helpful, professional, and great at his job. We have recommended him to all our friends and they say the same thing. He is always available and able to work with you to get a successful lending outcome. Could not recommend Andrew more!
C Chris Karfs Repeat client 2026-05
Andrew was amazing. He worked with us to refinance our home loan. Answered my never ending questions, responded to emails and messages promptly and explained every step along the way. We will be using Andrew from now on.
M Melissa Gilbert Refinance 2026-05
Andrew was helpful, knowledgeable and readily accessible for updates and information. I appreciated the quick and efficient way he handled my refinancing.
A Ariel Tomson Refinance 2026-05
I have utilised the services from Andrew at Brisbane City Home Loans on two occasions now. Once approximately 10 years ago when I re-financed my Mortgage and the other just recently for similar circumstances. During both of these times, Andrew was found to be more than helpful, experienced and professional at all times. He was also more than accommodating with the numerous questions and queries I had along the way.
D David Worthington 10-year client 2026-04
Andrew is a excellent mortgage broker. Andrew has helped us with multiple transactions / refinances over the last decade. He is very experienced in this space. He is very calm and considered, when his clients may be less so, and goes above and beyond to understand your needs, support you through the process and ensure everything goes smoothly during what is for many a stressful time! Thank you for your help as always Andrew, it is greatly appreciated!
L Luke Madigan Repeat client 2026-04
Andrew was outstanding throughout our home loan process. He was professional, knowledgeable, and made everything incredibly smooth and stress-free. Thanks to his expertise and dedication, our loan was approved quickly and efficiently. We could not recommend Andrew more highly, a fantastic broker who genuinely goes above and beyond.
J Joe McVey Home loan 2026-03
We had a fantastic experience working with Andrew from Brisbane City Home Loans while purchasing our first home. As first-time buyers, the process felt overwhelming at times, but Andrew made everything run incredibly smoothly from start to finish. He was always responsive, quick to answer any questions we had, and consistently kept us updated throughout the process. What really stood out was how personable and approachable he was. He took the time to explain each step clearly and made sure we felt confident in every decision.
H Hadyn O'Connor First home 2026-03
Andrew is truly brilliant at what he does. He is professional and able to find the best loan product possible. I have done a few loans with Andrew and he never fails to deliver. He is always in communication and without his help I would have not been able to acquire my purchases. I would highly recommend Andrew to anyone out there who needs expert advice and experience.
S Sylvester Tan Repeat client 2026-03
Great broker, made the process of buying our investment property straightforward and easy. Would highly recommend.
C Chelsea Scott Investment 2026-02
Andrew is amazing. Made the whole process easy to understand. Andrew was great with communication and was always supportive with questions I had. I can't thank Andrew enough for making my dream become a reality.
S Simone Stumer Home loan 2025-12
I highly recommend Andrew and Brisbane City Home Loans. They went above and beyond for us and made the whole process stress free. I will definitely be recommending Andrew to everyone I know and will continue using to use him my future endeavours.
K Kasey Home loan 2025-12
We have been dealing with Andrew for approximately 10 years now for multiple property purchases. He has never let us down and has risen to every occassion no matter how complicated we made it! He makes it look easy but we know how hard he works for his clients. We would not go through this process without him. You are very much appreciated Andrew - thank you!
T Tina A 10-year client 2025-07
Andrew has been extremely patient and helpful in assisting me to purchase my home. I would recommend Andrew to anyone wanting to purchase a home or investment property.
G Georgi Cohen Buying a home 2025-06
My wife and I have now purchased 2 homes through Andrew and are extremely satisfied with the outcome on both occasions. He was fantastic to communicate with, being quick on responses and answers to our questions and ensuring we not only ended up with the best home loan deal, but a deal that actually suited our circumstances. Will be contacting him again for the next house!
L Lawrence Moran Second home 2025-02
When you find the good ones, you don't let go! Andrew is simply the best at what he does and I cannot recommend his services highly enough! This is the second time I've had the pleasure of dealing with him, and my parents also engaged his services previously. Andrew is extremely knowledgeable when it comes to home loans and always provides excellent advice throughout the entire process. Thanks to his expertise I was able to secure an amazing rate.
D Daya K Repeat client 2025-02
Thank you, Andrew! I so appreciate you going above and beyond to help me in the purchase of 2nd home. Understanding what was important to us and helping us secure a loan that aligned with my risk profile and getting us a competitive interest rate that I would not have been able to get by myself. And answering all my questions. So grateful, and would recommend to anyone looking to buy!
G Gagandeep Singh Second home 2024-09
Andrew was an absolute pleasure to deal with. He was very personable and professional, and most patient and responsive with my many questions. He kept me fully informed at every stage and gave me the time I needed to have the various options explained to me. I obtained the mortgage I needed to get the house I wanted. I can't recommend him enough. Very happy.
N Nick O Home loan 2024-08
Andrew from Brisbane City Home Loans is one of the most professional, honest and friendly mortgage brokers we've ever had the pleasure of working with. He provides regular updates and is always prompt to respond, which is so refreshing. Even though I'm sure the process of getting a mortgage or refinancing is quite complex, Andrew makes everything seamless and straightforward. The entire process was so easy from start to finish!
J Johanna Fehlhaber Refinance 2024-05
Andrew was super helpful and knowledgeable when assisting us with purchasing our first home. Answered any questions we had with ease! Thank you Andrew!
M Mia Blake First home 2023-12
Andrew is amazing. Made the whole process easy to understand. Andrew was great with communication and was always supportive with questions I had. I can't thank Andrew enough for making my dream become a reality.
S Simone Stumer Home loan 2025-12
I highly recommend Andrew and Brisbane City Home Loans. They went above and beyond for us and made the whole process stress free. I will definitely be recommending Andrew to everyone I know and will continue using to use him my future endeavours.
K Kasey Home loan 2025-12
We have been dealing with Andrew for approximately 10 years now for multiple property purchases. He has never let us down and has risen to every occassion no matter how complicated we made it! He makes it look easy but we know how hard he works for his clients. We would not go through this process without him. You are very much appreciated Andrew - thank you!
T Tina A 10-year client 2025-07
Andrew has been extremely patient and helpful in assisting me to purchase my home. I would recommend Andrew to anyone wanting to purchase a home or investment property.
G Georgi Cohen Buying a home 2025-06
My wife and I have now purchased 2 homes through Andrew and are extremely satisfied with the outcome on both occasions. He was fantastic to communicate with, being quick on responses and answers to our questions and ensuring we not only ended up with the best home loan deal, but a deal that actually suited our circumstances. Will be contacting him again for the next house!
L Lawrence Moran Second home 2025-02
When you find the good ones, you don't let go! Andrew is simply the best at what he does and I cannot recommend his services highly enough! This is the second time I've had the pleasure of dealing with him, and my parents also engaged his services previously. Andrew is extremely knowledgeable when it comes to home loans and always provides excellent advice throughout the entire process. Thanks to his expertise I was able to secure an amazing rate.
D Daya K Repeat client 2025-02
Thank you, Andrew! I so appreciate you going above and beyond to help me in the purchase of 2nd home. Understanding what was important to us and helping us secure a loan that aligned with my risk profile and getting us a competitive interest rate that I would not have been able to get by myself. And answering all my questions. So grateful, and would recommend to anyone looking to buy!
G Gagandeep Singh Second home 2024-09
Andrew was an absolute pleasure to deal with. He was very personable and professional, and most patient and responsive with my many questions. He kept me fully informed at every stage and gave me the time I needed to have the various options explained to me. I obtained the mortgage I needed to get the house I wanted. I can't recommend him enough. Very happy.
N Nick O Home loan 2024-08
Andrew from Brisbane City Home Loans is one of the most professional, honest and friendly mortgage brokers we've ever had the pleasure of working with. He provides regular updates and is always prompt to respond, which is so refreshing. Even though I'm sure the process of getting a mortgage or refinancing is quite complex, Andrew makes everything seamless and straightforward. The entire process was so easy from start to finish!
J Johanna Fehlhaber Refinance 2024-05
Andrew was super helpful and knowledgeable when assisting us with purchasing our first home. Answered any questions we had with ease! Thank you Andrew!
M Mia Blake First home 2023-12

Real, verbatim Google reviews. See more on our Google profile.

One application, 60+ lenders

Andrew shops the whole panel for you

From the big four to specialist lenders, Andrew compares the Loan Market panel to find the loan that fits you, at no cost to you.

  • Commonwealth Bank logo
  • Westpac logo
  • NAB logo
  • ANZ logo
  • Macquarie logo
  • ING logo
  • St.George logo
  • Suncorp logo
  • Bankwest logo
  • AMP logo
  • Bank of Queensland logo
  • Pepper Money logo

A selection of the 60+ lenders Andrew can access. The full panel is disclosed in his Credit Guide.

Andrew Churchward
Meet Andrew

A broker who actually picks up the phone

“I love that what I really do is help people improve their lives. Whether it’s your first place or your fifth, I’ll tailor a finance solution to your goals, and I’ll be with you for the long haul, fighting for the fittest rate on the market, not the first product on the shelf.”

Andrew Churchward · Director & Mortgage Broker

Andrew’s story
Good questions

The questions everyone’s afraid to ask

Straight answers, no jargon. If yours isn’t here, just ask Andrew.

Does using a mortgage broker cost me anything?

In most cases, no. Brisbane City Home Loans is paid a commission by the lender you choose once your loan settles, so our service is generally free to you. If a fee ever does apply to your situation, we tell you in writing before you proceed, so there are never surprises.

Is my question too basic to ask a broker?

There is no such thing as a dumb question here. Most people have never been taught how home loans work, and asking early saves you money and stress later. Andrew would genuinely rather you ask the "obvious" question than guess. You can ask anything through the ask box on this site, with no obligation.

How much can I actually borrow?

Your borrowing power depends on your income, existing debts, living expenses, deposit and the lender. Two lenders can assess the same person quite differently. The fastest way to get a real number is to use the borrowing power calculator on this site for a guide, then have Andrew confirm it properly against the lenders most likely to say yes.

How big a deposit do I really need?

Many lenders look for around 20% to avoid Lenders Mortgage Insurance, but plenty of loans are written with smaller deposits, sometimes as low as 5%, and some buyers qualify for government schemes that reduce the deposit needed. The right answer depends on your situation, which is exactly the kind of thing worth a quick chat about.

What is LMI and will I have to pay it?

Lenders Mortgage Insurance (LMI) is a one-off cost some lenders charge when you borrow more than around 80% of a property's value. It protects the lender, not you. Whether it applies, and whether it can be avoided or reduced, depends on your deposit, your profession and the lender. Andrew can tell you quickly where you stand.

Can you still help if a bank has already said no?

Often, yes. A knock-back from one bank does not mean every lender will say no. Different lenders have very different policies, and a broker's job is to match your situation to the lenders most likely to approve it. It is worth a conversation before you assume the answer is no everywhere.

I'm self-employed or casual. Is that a problem?

Not at all, it just means the right lender matters more. Some lenders are far more comfortable with self-employed, contract or casual income than others, and a few offer simpler ways to verify your income. Andrew knows which lenders suit non-standard income and how to present your application well.

What areas around Brisbane does Andrew cover?

Andrew is Brisbane-based and works with buyers and owners right across Brisbane and South-East Queensland. Most of the process is handled by phone, email and video, so location is never a barrier, and his lender knowledge covers the full South-East QLD market.

How long does the whole process take?

It varies with your situation and the lender, but pre-approval can often be arranged within days, and full approval timing depends on the property and how complete your paperwork is. Andrew keeps things moving and keeps you updated so you are never left wondering where things are at.

From the blog

Latest mortgage guides

Practical reads from Andrew — grants, repayments, and Brisbane market tips.

Got a home loan question? Just ask.

Book a free, no-pressure chat with Andrew, or send a question and get a real reply.

Call Andrew See if you're ready