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Houses for Heroes - Home Loans for Everyday Heroes

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Houses for Heroes - Home Loans for Everyday Heroes

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Houses for Heroes: FNQ’s home loan specialists for Police, Nurses & Teachers.

Trusted guidance, tailored lending solutions, and a mission to help our local heroes achieve homeownership.

02/11/2026

Queensland Police: how much could you borrow on your pay point? 👮🏡

Your borrowing capacity is the amount a lender may be willing to lend you for a home loan. Your buying budget will also depend on your deposit and the costs of purchasing.

The image gives you an example of what someone on this pay point could borrow, based on the circumstances shown.

Even if you earn the same salary as another officer, your borrowing amount could be different. Lenders consider things like:

• Your overtime and allowances.
• HECS, car loans and credit card limits.
• Your living expenses and dependants.
• Whether you’re buying on your own or with a partner.

Each lender also assesses these details differently, so this is a guide to help you understand what might be possible.

As a former Queensland police officer, I understand there’s more to your income than your base salary.

Figures are estimates based on the assumptions shown. Lending criteria and approval apply.

01/11/2026

The kids have or about to move out? Your fridge is finally staying full. And your borrowing capacity could look a little healthier too 😂

Banks consider your dependants and living costs when working out how much you can borrow.

If your kids are now financially independent and your expenses have dropped, you may be able to borrow more.

Thinking about your next home or an investment property? It could be time to run the numbers again.

30/10/2026

I didn’t leave policing because I hated the job.

I loved being a police officer. I spent 15 years in the QPS, worked with some great people and had experiences I’ll never forget.

But towards the end, I struggled with some of the leadership above me. There weren’t many people in those positions I looked up to, and I couldn’t see myself following that same path.

That’s an uncomfortable place to be. Loving parts of your job, but questioning where it’s taking you.

So I started looking at another career.

Mortgage broking gave me a way to keep helping people, while building something of my own.

Leaving a career you know is a big decision. Especially when it comes with a steady wage, good mates and 15 years of your life.

But staying because it was familiar wasn’t enough for me anymore.

Has anyone else changed careers after thinking they’d stay in the same job until retirement? Would love to hear your thoughts.....

28/10/2026

I thought QPRIME tasks, a full brief of evidence and shift work were tiring.

Then I started a business. 😂

For me, being a business owner has brought a different level of stress.

Some weeks have stretched to 70 hours. There are staff to pay, clients to look after, systems to fix and workflows that somehow stop flowing.

You finish one thing and find another three waiting.

Some days, I miss turning up to a shift, knowing my role and getting stuck into the paperwork. Although I’m probably remembering QPRIME a little more fondly than I should.

Policing was demanding. Running a business has tested me in ways I didn’t expect.

I’m proud of what we’re building at Houses for Heroes. But if you’re thinking about starting a business for shorter hours and less stress, my experience might disappoint you. 😂

28/10/2026

Queensland Police: how much could you borrow on your pay point? 👮🏡

Your borrowing capacity is the amount a lender may be willing to lend you for a home loan. Your buying budget will also depend on your deposit and the costs of purchasing.

The image gives you an example of what someone on this pay point could borrow, based on the circumstances shown.

Even if you earn the same salary as another officer, your borrowing amount could be different. Lenders consider things like:

• Your overtime and allowances.
• HECS, car loans and credit card limits.
• Your living expenses and dependants.
• Whether you’re buying on your own or with a partner.

Each lender also assesses these details differently, so this is a guide to help you understand what might be possible.

As a former Queensland police officer, I understand there’s more to your income than your base salary.

Want to know what your numbers look like? Book a time with me via my website: h4h.com.au and we’ll help you work through them.

Figures are estimates based on the assumptions shown. Lending criteria and approval apply.

26/10/2026

One minute you’re dealing with a neighbour complaint... The next, a Code 1 comes through for a break-in happening right now.

Your priorities change in seconds. The adrenaline kicks in, and whatever you were doing has to wait.

That ability to switch gears has followed me into mortgage broking.

One minute, I’m talking someone through their borrowing capacity.

The next, the bank calls....“Settlement is in two hours, and we’re missing paperwork.”

Right. That’s moved to the top of the list. 😅

The stakes are very different, of course. But that familiar feeling of needing to act quickly, stay calm and work through a problem is still there.

Both jobs need clear communication, time management, attention to detail and the ability to deal with people who are feeling stressed.

I don’t wear the uniform anymore, but I use skills I learnt in it every day....Still waiting to find a use for my QPRIME knowledge, though.

Any cop that has left the job and started their own business, keep grinding. It takes time!!

24/10/2026

Buying a Property: Hero Edition 🏡

The agent asks, “What deposit would you like to put on your offer?”

You’re thinking, “Is that the same deposit I discussed with my broker?” 🤔

They serve different purposes, but you don’t need to count your savings twice. Your contract deposit forms part of your total contribution towards the purchase.

Swipe through for a simple example, and save this for when you’re ready to make an offer.

23/10/2026

Leaving policing to start a business came with a pretty big pay cut.

In my first year, I earned around 70% of my police wage. Year two wasn’t much better.

Through years three and four, I’ve been slowly catching up. Turns out the bank doesn’t accept “I’m following my dreams” as a mortgage repayment. 😂

There have definitely been moments where I’ve questioned the decision. Usually after a long week, when that regular police pay would have been very welcome.

Apparently, I’d also taken annual leave and sick pay for granted. My new boss is terrible at approving either.

But I’m building something I can one day sell. And I get to help clients I genuinely enjoy working with.

In policing, helping people often meant meeting them on one of the worst days of their life. Sometimes it meant telling a victim we hadn’t been able to find the person responsible. Those conversations do suck and they have stayed with me.

However, now, I get to help people work towards something they’re excited about. Their first home, their next home or a plan for their future.

There’s still stress and plenty of hard work. But making that phone call to say, “Your loan’s approved” is a pretty good part of the job.

The financial side has taken time, but I’m proud of what we’re building at Houses for Heroes and that is always better than completing a full brief of evidence for court!!

Address

2/10 Carnation Drive
Cairns, QLD
4870

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 3pm

Telephone

+61433694978

Website

http://www.h4h.com.au/

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