First home buyers
Wooloowin's mix of townhouses, units and character cottages makes it a common first purchase. We work through:
- How much deposit you need, including stamp duty, legal fees and Lenders Mortgage Insurance if your deposit is under 20%
- Whether you qualify for the Home Guarantee Scheme, which can let eligible buyers purchase with a 5% deposit and no Lenders Mortgage Insurance
- Queensland's first home stamp duty concessions and the conditions attached to them
- A pre-approval so you can make an offer or bid at auction knowing your limit
Buying a home with a tenant in it
If the home you buy is tenanted, check the stamp duty concession conditions before you sign. In Queensland you generally need to move in within 12 months, and an existing tenant usually has to be out within 6 months of the transfer, or the concession can be lost in full. We flag this early so you can plan the lease end with the agent.
Family help with the deposit
If your parents want to help, a family guarantee lets them offer equity in their home as extra security. This can reduce or remove Lenders Mortgage Insurance. We explain the risks to them in plain English and recommend they get their own legal advice. A cash gift is another option, and lenders have rules about how it is documented.
Health and medical professionals
Many Wooloowin buyers work at the nearby hospitals. Some lenders reduce or waive Lenders Mortgage Insurance for eligible medical professionals, and some count overtime, penalty rates and allowances as income. Policies differ on which roles qualify, so we match you with the right lender. Read more about loans for medical professionals.
Live in now, rent later
Units near the station are popular with tenants as well as owners. If you plan to live in the property now and rent it out later, we set up the loan so it still works when it becomes an investment.
Talk to us
Call Patrick on 0422 248 540 or the office on 07 3262 1600, or book a strategy call online. Our office at 787 Sandgate Road, Clayfield is open Monday to Friday from 8:30 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. We work with over 90 lenders and have over 250 five star Google reviews.
Reviewed by Patrick Moore, Director, Loan Market Clayfield, November 2026. This is general information only and does not take into account your personal circumstances. Lender policy varies.
Your Trusted Mortgage Broker in Wooloowin
Wooloowin sits between Lutwyche and Clayfield, with its own train station and a short trip to the city and the Herston hospital precinct. It suits first home buyers and young families, and Patrick Moore and the Loan Market Clayfield team are just around the corner.
Patrick is known for his passion, commitment, and client first approach. An industry leader in process improvement and scalability, he brings structure and strategy to every stage of the lending journey. As a Lean Six Sigma Black Belt and certified mentor, Patrick has supported brokers and business owners across the country in building high performing, sustainable operations. As director at Loan Market Clayfield, he works closely with clients and referral partners to deliver streamlined, stress free finance solutions. Outside of work, Patrick enjoys time with his wife and kids, beach escapes, and exploring new ways to make the industry better.
Kelvin is an experienced mortgage broker with over 16 years in the banking and finance industry. He is known for his straightforward approach and commitment to making the lending process clear and stress-free for his clients. He works closely with first home buyers, refinancers and investors, taking the time to understand their goals and guide them through each step with practical advice and tailored solutions. Outside of work, Kelvin enjoys planning his next trip, trying out new restaurants, and getting outdoors with his corgi, Spencer. Whether it’s travelling overseas or just making the most of a weekend close to home, he enjoys exploring new places and good food along the way.
Mark Harvey
Senior Finance Broker
Mark is a mortgage professional with long and extensive experience in the financial services industry. With decades of experience behind him, across most facets of finance, Mark has built a reputation for his client-first approach, deep industry knowledge, and unwavering integrity in meeting customer needs.. His long-standing connection to the local community has been at the heart of his work, helping generations of families secure their financial future. Away from finance, Mark is a passionate supporter of Brothers Rugby, where he has been involved as a player, coach, sponsor and Trust member. He has found great reward from this association where he has connected with many members of the local community.
Sophie is passionate about creating smooth, well-organised experiences for both clients and the team. With a natural eye for detail and a focus on efficiency, she works behind the scenes to ensure every client journey is seamless and supported from start to finish. Known for her warm and approachable nature, Sophie is always happy to help and takes pride in making sure everyone feels looked after. Outside of work, Sophie enjoys spending weekends at the beach, heading off on camping getaways with friends, and spending time with her miniature dachshunds who always keep her on her toes.
Danielle Moore
07 3262 1600Dani is the backbone of our operation, ensuring that every aspect of our business runs smoothly. From managing day-to-day tasks to driving our business development initiatives, Dani's expertise and attention to detail are unmatched. While she may work behind the scenes, her impact is felt by everyone who interacts with us. Dani's friendly demeanor and dedication to excellence create a welcoming environment for all, making her an essential part of Loan Market Clayfield.
Shauna plays a key role in delivering a seamless and consistent experience for clients and the team. With a Bachelor of Finance and Accounting and a sharp eye for detail, she ensures every loan progresses efficiently from submission through to settlement. Calm, reliable, and organised, Shauna keeps processes running smoothly while supporting both clients and colleagues. She is also passionate about expanding her knowledge within the ever-evolving finance industry. Outside of work, she enjoys staying active, spending time with friends and family, and exploring new opportunities in finance.
I've had a passion for finance, property and investing since my teens and love nothing more than working with my clients to help them achieve their goals and dreams. Whether it's purchasing your first home, refinancing to achieve a better interest rate, starting your investment journey or building a property portfolio I'm here to hold your hand and help you through the entire process. No questions are silly, I love to workshop all scenarios and opportunities no matter how challenging it is to find you the best fit and solution for your needs. When I'm not working, I love spending time with my husband and three amazing children who keep me on my toes!
Tanvir (Danny) is an enthusiastic mortgage broker professional with comprehensive experience in variety of fields. Tanvir has worked in different management roles in the last 11 years, and 4 years of experience in Finance Industry, Tanvir has also ran a successful café business for 6 years. His passion for helping others achieve their goals, makes him stand out in any field of work. Tanvir holds a Diploma of Finance Management and Mortgage Broking as well as a Diploma in Business Management. Known as an innovative thinker with strong communication and negotiation skills. Highly organized, creative problem solver who excels at guiding home buyers through complicated applications.