Home Home Loans

Home Loans with Expertise,
By Your Side

About Home Loans

Buying property is one of life’s biggest moves, whether it’s your first step onto the property ladder, an upgrade to fit a growing family, refinancing to get a better deal, or building a portfolio of investments. At Black Lab Finance, we make the process clear and tailored to your story.

With 15 years in the finance industry, including private banking, we know how lenders think and how to position
 your application for success.

Book a 15 min discovery call

Our Services

How We Can Help

First Home Buyers

Getting your first home should be exciting, not overwhelming. We’ll assist you with the finance process — from understanding your borrowing power to settlement — with clear guidance every step of the way.

Learn more about First Home Buyers

Next Home or Upgrading

Need more space, a new location, or that dream upgrade? We help you structure finance smartly so you can move into your next chapter with confidence.

Learn more about Upgrading

Refinancing

Whether it’s lowering your repayments, accessing equity, or switching lenders for a better deal, we’ll review your options and make sure your loan still works for your goals.

Learn more about Refinancing

Complex Lending & Investors

From multiple properties to self-employed income, complex lending needs a broker who understands strategy. We design lending solutions that grow with you.

Learn more about Investors & Complex Lending

Our Difference

Why choose Black Lab Finance for your Home Loan?

Here’s why locals trust us with life’s big financial moves:
15 Years of Finance Experience

15 Years of Finance Experience

Smart Solutions for Complex Lending

Smart Solutions for Complex Lending

We Only Submit What We Back

We Only Submit What We Back

Clarity and Confidence Through Communication

Clarity and Confidence Through Communication

The Lab Tested™ Method

The Lab Tested™ Method

What our clients say

Google Reviews

Nick Ein
09:26 16 Oct 25
Jacob from Black Lab Finance was great to deal with. He went above and beyond to get us what we needed, exactly when we needed it. Really professional, easy to communicate with, and made the whole process smooth and stress-free. Highly recommend!
David Seymour
20:39 12 Oct 25
Every time we hit a hurdle or need advice, Jake is more than happy to lend his knowledge or assist. Most recently we were advised incorrect information from a lender regarding a refund for our LMI, unfortunately it left us with a tight timeframe to refinance - we felt deflated and let down by our or... iginal bank. Regardless,Jake somehow managed to get us refinanced on the day it was due in order for us to get our partial refund!
Let’s not stop there, he also, in this same time frame, arranged another re-valuation with our new bank and was able to get us additional funds on our loan. Ultimately, we now have a more competitive interest rate (meaning repayments are similar to what we were originally paying), the same year terms as our previous lender, a substantial LMI refund coming and additional funds for further improvements. Jake, you’re a legend!Read more
Brady Gatt
09:50 02 Oct 25
Jacob handled our land and construction finance. Very professional. Actually does what he says he is going to do and gets things done quickly and is easy to get on the phone. Would highly recommend
Pj Weir
07:43 26 Sep 25
Jacob's service and dedication is outstanding. He found us the right loan for our house and was always on hand to answer our questions. He goes above and beyond for you.
110% Recommend Black Lab Finance for a hassle free process.
Response from the owner 22:34 28 Sep 25
Thanks so much. It was an absolute pleasure helping you both. Enjoy the new home!
Brett Cullen
03:40 25 Sep 25
Jacob from Black lab finance recently secured us out first home and we couldn't have been happier with his services. We had a challenging situation arise and he handled it very professionally and put us at ease. 100% recommend his services and he deserves nothing but 5 star reviews
Amanda Corsetti
06:35 12 Sep 25
Highly recommend. Jacob was quick to respond, knowledgeable, and supportive. I couldn't have been more pleased- 10 stars from me.
Jay Taylor
22:01 10 Sep 25
Jake brought calm reassurance to what can be a stressful process in purchasing an investment property and refinancing an existing loan. He knows the market and his products, and we always felt that he was working to get the best deal for us. Timely contact and a clear process made everything seamles... s. He has good contacts and a great reputation locally (both my solicitor and the selling agent were relieved when I mentioned that he was sorting our finance) and he got the deal done within 24 hours from the submission of our application. All of this was manged online, with us 400kms away. Would recommend for any financial services in Wide Bay and more broadly in Queensland.Read more
Brendan Beasley
04:33 10 Sep 25
Jacob is a legend. Highly recommend. Nothing too complicated for him.
Luke Griffin
11:39 07 Sep 25
As first home buyers, arranging our finances through Jacob at Black Lab Finance was a fantastic experience.
Jacob helped us navigate the daunting process in a simple and stress free way. He had everything under control from pre-approval to settlement. Jacob was always easy to contact and very ... clear and helpful in his communications.
We are very grateful to have had Jacob’s help and would highly recommend his services to anyone looking for a friendly, hardworking and professional mortgage broker!Read more
Bradley Coonan
09:55 03 Sep 25
Jacob provided prompt, thorough and clear guidance as we navigated the simultaneous purchase/sale of our properties. We have no issues recommending his services for small or complex transactions.

Contact Us

Ready to get started?

Big moves feel easier with the right partner. Book your free 15-minute discovery call today and let’s make your next move with confidence.
Book a 15 min Discovery Call