First home buyers
Grants, deposits and pre-approval explained — guided through every step of your first purchase.
Family-owned in Cairns · Est. 2000
Buying a home is a time to be excited. Don't waste it looking for a loan.
We're a local family brokerage. We do the legwork across a panel of lenders, narrow it down with you, and manage the paperwork through to approval — so you can get on with the exciting part.
40+
Years of lending experience
2000
Serving Cairns since
40+
Lenders compared
$0
Cost to sit down with us
Why a broker
A banker offers one bank. We work for you.
Using our knowledge of the current market, we look across many loans and quickly narrow it to the ones that suit your specific needs. Then we choose together.
- A genuine choice of lenders and products
- We complete and manage the paperwork
- Followed through to approval and settlement
- We meet at our Cairns office, at a time that suits you
Centrally located
Trustee House,
Sheridan Street, Cairns
Sheridan Street, Cairns
What we help with
Finance for every chapter
Refinancing
Check whether a better rate or structure could be saving you money every single month.
Investment loans
Structure finance to build a property portfolio across Cairns and the Far North with confidence.
Construction loans
Build or renovate in the tropics with progress-payment lending set up to match your build.
How it works
Four steps, and we do the heavy lifting
Step 01
We meet
A free, no-pressure chat about your goals — at our office or by phone.
Step 02
We research
We compare the market and shortlist the loans that genuinely fit you.
Step 03
We choose together
You decide with clear options on the table. No jargon, no pressure.
Step 04
We see it through
We manage the application and paperwork all the way to approval.
Meet the broker
"After 40 years in lending, including my years with Westpac, I started Loan Select to give Cairns locals a better home-loan outcome — and a real person beside them through it."
David Phillips · Accredited Mortgage Consultant
In their words
“David is always available to explain in detail what will suit our needs. He’s happy to chat and has offered us good advice… He connects with us well, and we appreciate this extra level of attention and service and have recommended him many times over the years.”
— Simon
“Thorough and considerate service. Incredibly approachable and supportive.”
— Tilly
“Thanks once again David for providing such great service and helping our family to achieve funding for the pool we have always wanted… You are always the first contact I give people when they ask who to go to for financial advice and brokerage.”
— Ryan
“Your service is great mate.”
— Peter
“We had quite a difficult time getting everything for approval for the bank. The bank seemed to be working like auditors. David put himself out trying to make everything go through. I travel with work and communication can be difficult. David went above and beyond what would normally be expected — continually chasing for action from the bank.”
— John
“This is the second time working with Dave and again haven’t been disappointed. Very easy to work with to meet our needs and describes the essentials in normal people talk, making the borrowing process a lot easier.”
— Kerrod
“My wife and I have been searching for a place to call home for over 2+ years and David Phillips was always there to help search up a place that was worth buying — for our peace of mind and a good neighbourhood. Great service, excellent communication, and would recommend him to friends and family.”
— Kou
“David and his family have previously and continue to provide knowledgeable, efficient, friendly and personal service. I would recommend Loan Select to anyone that is considering purchasing a property.”
— Lyndsy
“David was so friendly and helpful from the moment we met. He made me feel confident that I could be a home owner as a single young woman. He was always courteous, explaining everything in detail and in terms I could understand, and he always kept me informed during the process. I would highly recommend to anyone who needs help with a home loan, especially if you have poor credit history.”
— Kelly
“Thanks Dave & Cheryl, you’ve succeeded again! We have used your services for over 15 years now, beginning with our first purchase, and investing again. When one bank said no, you never gave up and found an alternate. This one was our biggest challenge to date, but in the end the solution was above what we expected. We can’t thank you both enough for the hours of thought and time you put in — always with a smile and enthusiasm. Your customer service & knowledge outshines any bank we have ever had dealings with.”
— Jo & Cary
“Dave was very easy to communicate with and understood my needs and handled everything with ease. I would recommend his services to anyone in need.”
— Jason
“Dave was fantastic and made what can be a stressful time much easier.”
— Hugh
“David is enthusiastic about financial advice and provides complex information in a clear and easy-to-understand format. He is genuine and friendly, and I would definitely return to him for further advice should I ever need to.”
— Catherine
“Thank you David. Without you we would still be treading water — if not for your knowledge, expertise, patience and friendly manner, we would be going backwards. We greatly appreciate your kindness and your ability to never judge anyone, and the way you make your customers feel like family. For the first time in 10 years we are free from financial stress that we had endured — it’s like having a second chance. There is no way anyone could have done what you did for us on their own. Thank you very much.”
— Christopher
“David helped me out where others wouldn’t.”
— Craig
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