Home, Business & Asset Loans

Expert mortgage and commercial brokerage serving Logan to the Gold Coast.

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Finance isn't just a transaction, it’s the beginning of a lifelong partnership

With 15 years of experience, I’ve learned that the best results come from relationship-driven brokering, not just processing paperwork. I’m here to do more than just secure a loan—I’m here to walk beside you for your entire journey.

Whether you are moving into your dream home, launching a new venture, or building a lasting legacy for your family, I take the weight off your shoulders so you can focus on the milestone. Your goals are personal to you, and helping you achieve them is personal to me.

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Find the right
solution for you

Whether you're a first-time homebuyer, looking to refinance, expanding your business, or securing finance for a new vehicle, we're here to help. We'll simplify the complexities and connect you with the ideal loan solution tailored to your unique needs.

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Home loans

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First home loans
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Next home loans
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Investment loans
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Construction loans
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Pre-approval
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Refinancing
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Self-employed home loans
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SMSF
Home Loans & Mortgages in Beenleigh, Logan & Gold Coast | Ferns Finance
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Your property journey starts here. Home loans & mortgages.

Unlock your dream home or investment property across Beenleigh, Logan, Scenic Rim & Gold Coast. Gwen Fernandes simplifies mortgages, from first homes to refinancing.

Business loans

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Asset finance
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Business loans
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Car loans for Business
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Commercial loans
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Equipment finance
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SMSF
Business Loans & Commercial Finance in Beenleigh, Logan, Scenic Rim & Gold Coast | Ferns Finance
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Grow your enterprise with Ferns. Business loans & commercial finance.

Fuel your business growth in Beenleigh, Logan, Scenic Rim & Gold Coast. We provide tailored commercial finance, start-up funding, and asset solutions.

Personal loans

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Car loans
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Personal loans
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SMSF
Personal Loans, Car Loans & SMSF Beenleigh, Logan, Scenic Rim & Gold Coast I Ferns Finance
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Your life goals funded. Personal loans & vehicle finance.

Achieve your personal goals with flexible finance for vehicles, renovations, or consolidating debt in Beenleigh, Logan, Scenic Rim & Gold Coast.

Over 70+ lenders to help you find the one for you

The Ferns Way: Simple, Smart, Sorted

Learn how Ferns Finance can help you reach your financial goals.

1

Say Hi

Found us? Lucky you!

Reach out via phone, email, Insta DM, or our website. We’ll tee up a free chat to see what you're chasing.

2

Quick chat

15–30 mins to unpack your goals.

Whether it’s a home, car, biz boost, or a big life move — we’re all ears (and solutions).

3

Info time

We’ll send you a simple checklist.

Upload your docs via our secure portal (or just email us – easy peasy). We’ll do the boring stuff so you don’t have to.

4

Strategy, sorted

We lay out your options.

In plain English — the good, the great, and the heck yes. You pick your path, we back you all the way.

5

We Apply Like Pros

Application? Done.

We prep, polish, and submit it to the right lender for you. You’ll get updates at every stage — no guesswork, no ghosting.

6

Approval Party

You're approved!

Home loan, business boost, personal win — whatever it is, we’ll pop the virtual bubbly.

7

Money Moves

Settlement happens.

Funds drop, keys exchange — your plan is now a reality. (We’ll make sure all the legal stuff runs smooth, too.)

8

Welcome to the Ferns Fam

We don’t ghost post-settlement.

You get ongoing support, annual reviews, and access to Ferns Family Perks — exclusive local discounts and mates' rates. We’ve got your back, long-term.

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What makes
us different?

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Your own personal, non-bank affiliated home loan expert.
Free for you1
We work in your best interests (we’re not owned by a bank)
Fast turnaround times2
Access to over 60+ banks and lenders in one place3
Ongoing support and guidance once your loan has settled4

Ferns Finance

Banks & lenders

1There may be occasions where you may be charged a fee by your broker.

2Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.

‍3Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.

‍4The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage.

Let’s chat today to find the right solution for you.

Let’s chat today to find the right solution for you. Whether it's your first home, a growing business, or a new vehicle, Gwen and the Ferns Finance team are here in Beenleigh, Logan, Scenic Rim, and on the Gold Coast to offer expert, obligation-free advice tailored to your goals.

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Your questions,
easily answered.

Have questions about home loans, refinancing, business finance, or how a mortgage broker can help? Find the answers to your questions here.

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What is a finance broker?

A finance broker is a professional who acts as an intermediary between clients and lenders. They help individuals and businesses secure loans, mortgages, and other financial products. By leveraging their knowledge of the market, finance brokers can find the best deals tailored to their clients' needs.

Finance brokers are particularly useful for those who may not have the time or expertise to navigate the complex world of finance on their own. They provide valuable insights and guidance throughout the borrowing process.

How do finance brokers get paid?

Finance brokers typically earn their income through commissions paid by lenders when a loan is successfully arranged. This means that their services are often free for clients, as the lender covers the broker's fees. However, some brokers may charge a fee directly to clients for their services, especially if they provide additional consulting or financial planning.

It's important for clients to clarify the payment structure with their broker upfront to avoid any surprises later in the process.

What are the benefits of using a finance broker?

Using a finance broker offers several benefits, including:

  • Access to Multiple Lenders: Brokers have relationships with various lenders, giving clients access to a wider range of financial products.
  • Expertise: Brokers are knowledgeable about the finance industry and can provide valuable advice tailored to individual circumstances.
  • Time-Saving: Brokers handle the paperwork and negotiations, saving clients time and effort.

Overall, finance brokers can simplify the borrowing process and help clients make informed decisions.

Do I need a finance broker?

Whether you need a finance broker depends on your financial situation and comfort level with the borrowing process. If you have a good understanding of financial products and feel confident negotiating with lenders, you may not need a broker. However, if you're unfamiliar with the process or have specific needs, a broker can provide valuable assistance.

Ultimately, the decision should be based on your individual circumstances and preferences.

How to choose a finance broker?

Choosing a finance broker involves several key considerations:

  • Experience: Look for brokers with a proven track record in the industry.
  • Reputation: Research reviews and testimonials from previous clients to gauge their reliability.
  • Services Offered: Ensure the broker provides the specific services you need, whether it's mortgages, personal loans, or business financing.

Taking the time to choose the right broker can lead to a more successful borrowing experience.

What documents do I need for a finance broker?

When working with a finance broker, you'll typically need to provide several documents, including:

  • Proof of Identity: A government-issued ID, such as a passport or driver's license.
  • Income Verification: Recent pay stubs or tax returns to demonstrate your financial stability.
  • Credit History: Brokers may request your credit report to assess your borrowing eligibility.

Having these documents ready can streamline the process and help your broker find suitable options for you.

Industry articles & insights from Ferns

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The ATO Is Coming for Small Business Debt: Here's What You Need to Know Before 1 July 2026

The ATO is no longer being patient with unpaid tax debt and small businesses are carrying the bulk of the $50 billion it's chasing. With a stack of major changes hitting on 1 July 2026 (payday super, the closure of the ATO's clearing house, and the instant asset write-off deadline), now is the time to get your house in order. This article breaks down what's changing, what it costs to ignore it, and the practical steps you can take this week to protect yourself and your business.

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ATO Debt Is Crushing Small Businesses Right Now. Here's How to Fight Back

Australian small businesses are facing the harshest ATO enforcement environment in over a decade and the cost of doing nothing has never been higher. This article breaks down what's changed, why ATO debt is now more dangerous and more expensive than most business owners realise, and how Ferns Finance Brokers can help you clear it with the right finance solution before enforcement escalates.

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Government 0% Interest Business Loans Are Open Right Now!

The Federal Government has launched a $1 billion zero-interest loan scheme for Australian businesses impacted by the current fuel and supply chain crisis. Applications are open now through participating banks — but the window is only six months. Here's a plain-English breakdown of who qualifies, how much you can borrow, and what to do next.

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