I'm Cass Connolly — mortgage broker, Palmwoods local, and the person a lot of hinterland families call when a loan needs to make sense rather than just look good on paper. Thirty-plus years in lending, access to more than 60 lenders, and a 5.0 rating from 34 Google reviews.
Palmwoods is home, so the hinterland is home ground — I know the pockets, the price differences street to street, and how local valuers see acreage. Clients elsewhere in Australia are welcome too; everything can be done by phone, video and e-signature.
What you can comfortably borrow, what the deposit really needs to be, and which QLD concessions apply — before you fall in love with a listing.
Land size, tank or bore water, sheds, access and overlays all change which lenders will play. We pick the lender to suit the property.
Sunshine Coast is full of small business owners. Two years of returns, one year, add-backs, trusts, even ATO debt — there's usually a path. More on self-employed lending →
An honest review of whether moving is genuinely worth it, including the switching costs — not a sales pitch.
Construction loans with progress payments managed so your builder gets paid on time and you're not chasing the bank.
Structure that lets the next purchase happen, rather than boxing you in after the first one.
Tell me where you're at. Nothing lodged, nothing on your credit file, no cost.
What's possible now, what to tidy up first, and which lenders suit your situation and your property.
My team — John and Maurice — keep you updated through to settlement. One team, start to finish.
Yes. I'm based in Palmwoods, so I can meet across the hinterland and coast — Woombye, Nambour, Maleny, Buderim and everywhere between. Most clients prefer phone or video because it's quicker, but face to face is always an option.
Larger blocks bring extra questions: land size limits, tank or bore water, sheds and outbuildings, access, and bushfire or flood overlays. Lenders treat these differently and valuations can vary a lot, so choosing the right lender before you apply matters more than the headline rate.
That's a big part of what I do. Sole traders, companies, trusts, ABN-holders with one or two years of returns, and business owners with ATO debt — there are lenders who read those numbers properly, and I know which ones.
No. The first chat is 20 minutes, free, with nothing lodged and nothing on your credit file. If we go ahead, the lender pays my commission in almost all cases and I'll tell you upfront if that isn't the case.
More than 60 lenders through Connective — the major banks, second-tier lenders, credit unions and specialist lenders that handle self-employed and complex income.
Whichever suits you. Twenty minutes and you'll know exactly where you stand.
Book a call →