Mortgage Broker Westlake – KS Lending

Smart Lending Advice for Every Step of Your Property Journey

At KS Lending, we provide personalised mortgage broking services to clients in Westlake, Brisbane, and across Queensland. Whether you’re buying your first home, upgrading to your next, refinancing, or growing your property portfolio, we help you make sense of the numbers and secure a loan that aligns with your financial goals.

Led by Kellen Shin, KS Lending takes the stress and guesswork out of applying for a home loan. We compare options from over 35 lenders, explain the fine print, and support you from pre-approval through to settlement.

Why Work with a Mortgage Broker?

A mortgage broker acts as your personal loan strategist — someone who understands your goals, compares hundreds of loan products, and negotiates with lenders on your behalf. Unlike banks, we’re not limited to one set of products. We work for you, not the lender.

Benefits of Using KS Lending as Your Broker:

Over 35 residential, commercial, and SMSF lenders
Personalised, honest advice tailored to your goals
End-to-end support: pre-approval to settlement
Clear guidance and simplified jargon
Flexible meeting options (in-person, phone, or video)
Expertise in dealing with professionals, families, and migrants

Our Mortgage Broking Services

1. Home Loans for First Home Buyers

Buying your first home is an exciting step — but it can also be overwhelming. At KS Lending, we simplify the process, explain everything in plain language, and help you understand what you can borrow and afford.

We help with:

Calculating your borrowing power
Navigating the First Home Owner Grant (QLD)
Finding the right lender and interest rate
Structuring your loan for future flexibility
Managing loan approval and paperwork

Why first-home buyers trust us:

We know the Brisbane market and work with buyers from Westlake to Ipswich, Logan, and beyond. We’ll also liaise with your real estate agent, conveyancer, and other parties to ensure your settlement goes smoothly.

Bonus Tip: Many lenders offer discounts or waived LMI for certain professions (e.g. doctors, dentists). We’ll make sure you’re not missing out.

2. Next Home Buyers – Upgrade with Confidence

Already own a home and ready to move up? Whether you’re upgrading to a bigger space or relocating closer to schools or work, we help you understand your equity, calculate your options, and choose a loan structure that supports your long-term goals.

Next home buyer loan options include:

Bridging finance (to help you buy before selling)
Loan portability (to move your current loan to a new home)
Equity release
Offset and redraw features for flexibility
Interest-only options during construction or transition periods

We’ll guide you through:

Timing your sale and purchase
Managing loan pre-approval while selling
Avoiding unnecessary costs like double mortgages
Structuring your repayments in line with your new income and expenses

Local Insight: The western suburbs of Brisbane — including Westlake, Kenmore, Taringa, and Chapel Hill — remain popular for upgraders. We help you stay competitive in these high-demand areas.

3. Refinancing – Get More from Your Current Home Loan

Has it been more than two years since you last reviewed your mortgage? Chances are, you could be paying too much.

We help Brisbane homeowners refinance to a better deal — saving on interest, unlocking equity, or consolidating debt.

Reasons to refinance:

Secure a lower interest rate
Switch to a fixed or variable loan
Access equity for renovations, investments, or personal use
Consolidate credit card or personal loan debt
Improve loan features (e.g. redraw, offset, repayment flexibility)

Our refinancing process:

We assess your current home loan and repayment history
We compare products across our lender panel
We run cost-benefit analyses (e.g. switching fees vs long-term savings)
We help you apply and manage the transition to your new lender

Refinance Bonus: Some lenders offer cash-back offers to refinance. We’ll check what’s available when you apply.

4. Investment Property Loans – Grow Your Wealth Strategically

Whether you’re buying your first investment property or expanding an existing portfolio, we help you secure loans that support your investment goals.

We work with seasoned and first-time investors across Westlake, Toowong, West End, and other Brisbane suburbs to build property portfolios that balance risk, return, and tax efficiency.

We help with:

Interest-only and principal & interest options
Negative and positive gearing considerations
Structuring investment loans across multiple properties
Cash-out refinancing for equity release
Navigating lender requirements for investors

Loan structures we explore:

Cross-collateralisation vs stand-alone lending
Fixed vs variable investment loans
Using equity from existing property for new purchases
Setting up offset accounts for tax and cash flow efficiency

We also provide:

Rental yield assessments
Property valuation coordination
Support from pre-approval to tenant handover

How the Mortgage Broking Process Works

At KS Lending, we’ve built a simple, supportive process that puts you in control.

Step-by-Step:

1. Discovery Session

We meet (in-person or online) to understand your goals, income, and borrowing history.

2. Loan Comparison & Strategy

We research loans from over 35 lenders, presenting only the most suitable options.

3. Loan Structuring & Pre-Approval

We help choose the right features (offset, redraw, repayment flexibility) and submit for pre-approval.

4. Property Purchase or Loan Transition

We liaise with agents, conveyancers, and lenders on your behalf to keep things moving.

5. Settlement & Beyond

We guide you through settlement day and remain available for check-ins, refinancing, and future lending needs.

Who We Help

First-Home Buyers navigating the market with limited savings or grant eligibility
Growing Families moving into their next home or building new
Self-Employed Clients needing flexibility in how income is assessed
Property Investors optimising portfolios and tax structures
Professionals & Migrants seeking fast, reliable approvals with minimal paperwork

Why Choose KS Lending?

Local knowledge of Westlake and Brisbane’s west
Trusted support across QLD and interstate
Over 35 lenders, including the Big 4 banks and specialist lenders
Clear, supportive advice with no pressure
Experience with medical and dental professionals
Competitive loan outcomes and fast turnarounds

Frequently Asked Questions

What is the difference between using a broker and going directly to a bank?

Brokers have access to a panel of lenders, giving you more loan options and competitive rates. Banks can only offer their own products.

How much deposit do I need to buy a home?

Ideally 20%, but some lenders accept 5–10% with LMI. First-home buyer schemes may reduce the amount needed.

Do you charge a fee?

Mortgage broking is usually free for borrowers — we’re paid by the lender after settlement. If any fees apply (e.g. buyers agent service), we disclose them upfront.

How long does the loan approval process take?

Pre-approvals can take 3–7 business days. Full approval and settlement depend on lender and legal timeframes.

Can I use equity to buy an investment property?

Yes. If your current property has grown in value, you may be able to borrow against that equity for your next purchase.

Let’s Get Started

Whether you’re a first-home buyer in Westlake or a seasoned investor building wealth across Queensland, KS Lending is here to guide you. We’ll help you secure the right loan with confidence and clarity.