Trusted Queensland Mortgage Broker and Home Loan Expert
99.6% of home loans approved in 2025
No Obligations
50+
home loan lenders compared to get the best rate
19+
years serving Queensland buyers with expert advice
2200+
families have secured their homes with Blackk Mortgage Brokers
5.0 Stars Based on 176 user reviews
The Blackk Mortgage Brokers approach
Since 2007, we’ve helped first home buyers and families across Brisbane, the Gold Coast and the Sunshine Coast with specialist mortgage advice. Our approach is simple: we prepare you well, structure your loan carefully, and make sure each decision supports the next step in your property journey.
You’ll work directly with Victor, our founder and principal broker, with our small team supporting you behind the scenes. We have a deep knowledge of lending strategy, bank policy and complex home loan scenarios, we help you get the right loan approved faster and set up in a way that works for your life now and your plans ahead.
How we can help
Buying your first home can be overwhelming but exciting. We’ve guided thousands of first home buyers through tricky lending rules, deposit hurdles and QLD grants, making the home loan process smooth and stress-free.
Clear guidance, no service fee
660+
first home buyers helped by us in 2025
8
QLD first home buyer grants available in 2026
Buying your first home can be overwhelming but exciting. We’ve guided thousands of first home buyers through tricky lending rules, deposit hurdles and QLD grants, making the home loan process smooth and stress-free.
Clear guidance, no service fee
660+
first home buyers helped by us in 2025
8
QLD first home buyer grants available in 2026
Why Blackk feels different from other mortgage brokers
Since 2007 we’ve been doing more than just lining up a loan. We take the mystery out of it by giving you clear steps to get started, and help you make smart, confident decisions along the way.
- We get you home loan ready early, with clear steps on borrowing power, deposits, debts and grants so your application goes in strong.
- We take a strategic view of your lending, modelling different scenarios and setting things up to support your cash flow now and your home loan strategy later.
- Our mortgage brokers stay with you beyond approval, helping you negotiate offers, understand your loan docs and manage your repayments and offsets with confidence.
- We act as a long-term partner, checking your rate each year, offering loan health checks and guiding you towards goals like an investment property when the time is right.
I started Blackk Mortgage Brokers back in 2007 after seeing how confusing and overwhelming the home loan process can be. Over the years, I’ve helped thousands of Queensland families, first home buyers and investors cut through the jargon and make confident decisions about their home loans.
What drives me is simple: I want people to succeed. The barrier is often being stuck and needing clarity on how to move forward feeling supported and in control. I help people understand how loans work, so you know where to start and exactly what to do next to reach your property goal.
Victor Kalinowski
Mortgage Broker and Founder of Blackk Mortgage Brokers
We give you more than just a home loan approval
Insider guidance on how to negotiate with agents and make a strong offer.
We helped clients negotiate 80+ successful offers in Queensland this year alone.
Know your borrowing capacity, deposit target and the exact steps to get finance ready.
100% of clients who prepare early get formal approval faster.
Cashflow and offset strategies that can shave years off your mortgage.
Clients who follow our home loan strategy cut up to 10 years on average.
Clear next moves whether you’re buying, building, renovating or refinancing.
8,400+ people have read our free guides to get clarity on their next steps.
Annual reviews to compare interest rates without you having to chase the bank.
100% of clients had their loan reviewed in 2025.
Complimentary video call to answer questions and plan your next move.
100% of our clients are offered an annual check-in.
Get better access to more lenders
Major banks and non-bank lenders including ANZ, CBA, Westpac, NAB and specialist lenders.
See what clients say about our service
5.0 Stars
Based on 176 user reviews
Alexander Moque
“We started working with Victor about four years ago when we were buying our first home, after having some issues with other brokers. From the start, he made the process much clearer and easier to understand. He took the time to explain our options and helped us choose what worked best for us. Everything went smoothly, and we felt well guided through the whole process. Since then, we’ve gone back...
Josh H
“Highly recommend Blackk Mortgage Brokers, we have dealt with Victor since our first investment loan years ago and through careful planning and strategy we have multiple investment loans through Victor now. He takes the time to understand what you wish to achieve and utilises his professional experience to help you reach and implement those goals. A very important thing for us is having a broker t...
Miranda Tinworth
“Victor went above and beyond! We have used blackk finance twice now in 5.5years. The first time to purchase our first ever home and then just recently in Dec 25 to purchase our next home. The entire process was amazing, any questions I had Victor would personally call me and answer them. As someone who is not overly familiar with how bridging finance works and the occasional moment of panic - the...
Learn with Victor on YouTube
Watch Victor break down real lending examples, tips, and strategies that help Queensland buyers make smarter, faster decisions.
As seen on
Frequently Asked, Clearly Answered
Victor started Blackk on 3 September 2007 and is the head Mortgage Broker. We now have offices in Brisbane (Brisbane City), the Gold Coast (Burleigh Heads) and the Sunshine Coast (Mooloolaba), helping clients right across Queensland with clear, easy-to-understand home loan advice.
We specialise in the Queensland market because it’s where most of our experience and knowledge is.
Yes. Our Australian Credit Licence is 386 726, and we’ve been members of the FBAA since 2007.
This means the guidance you receive is compliant, up-to-date and backed by industry standards.
Our free 20-minute calls give you clear next steps without any pressure. You’ll walk away knowing what you can borrow, what your loan options may look like and what the process involves for your situation. Some of the most common questions we cover in the call are:
- What are the steps involved
- should I pay other debts down
- If I have more deposit will I get a lower rate,
- How do I finance building a home,
- Can I get any First Home Buyer Grants and Schemes to help me buy sooner?
Fast & Immediate Home Loan Approval Call
For when you need approval within the next 4 weeks. We go straight into your numbers and personal situation so we can guide you toward the quickest, safest approval path.
Get Home Loan Ready Call
Ideal if you’re 3–12 months away. We help you understand how much you can borrow, how much you need to save and the simple steps to get your application ready.
Most people find this call removes confusion straight away.
No in-person visit is needed. Most clients do everything via phone or video, which is easier around work and family.
Most banks allow electronic signing, so you can complete the whole process from home. If something does need witnessing, a JP can help, or if you’re near Burleigh Heads, we can do it for you.
Most approvals take 1–9 business days once the application is submitted. It can take longer if lenders are experiencing delays.
Being prepared early makes a noticeable difference, and we’ll guide you on what to do so your application moves smoothly.
Requirements vary by lender, but most will need documents that confirm your identity, income, debts, assets and credit history. These help us match you with the right loan.
Personal
- Driver licence or passport
- Last 3 years of addresses
- Last 3 years of employment
Banking
- Recent statements for all accounts (savings, credit cards, loans)
Income
- PAYG: last 2 payslips, employment contract, PAYG summary/Notice of Assessment
- Self-employed: 2 years of tax returns, financials, recent BAS, accountant’s letter
- Rental income: statements showing rental income, rates notices
Properties you already own
- Rates notices
- Contract of sale if buying
For most people, nothing. Brokers are paid by the lender after settlement, similar to how banks pay their own staff.
If a fee is ever needed for a specific situation, we’ll explain it clearly before anything goes ahead.
It helps to have a rough idea of your goals, but it’s completely fine if you’re still unsure. Think about:
- Where you want to buy
- What you think you can afford to buy
- Whether you plan to renovate
- How long you want to stay in the property
- Any upcoming lifestyle or income changes
- Whether you want an investment property later
- Your income, assets and debts
- What you need to know to make a good decision
This simply helps us give clearer advice from the start.
A good broker makes things feel simple, not overwhelming.
Ask questions like:
- How much experience have you had with situations like mine?
- How would you approach our goal (buy, build, renovate)?
- What do we need to prepare?
- What should we be careful of?
- How will our future goals affect the loan we choose?
- How should we manage the loan once it’s set up?
You should feel supported and clear on what happens next, not confused or rushed.
Most families choose to get their home loan through their trusted mortgage broker over a bank (77% as at Mar 2025, MFAA). If you’ve already spoken to your bank, you might be wondering whether it’s worth talking to a broker as well. For most people, it is. Here’s why:
1. Banks only show their own loans; brokers compare 40+ lenders.
2. Banks rarely help you prepare months in advance, we do.
3. We can show you ways to safely increase borrowing capacity.
4. We guide you through buying, building or renovating, something banks don’t specialise in.
5. We help you negotiate your offer with agents, which can improve your chances of securing the property.
A Mortgage Broker works for you, not the bank. We compare loan options from more than 50 lenders, prepare your application and guide you through each step until approval.
We also help you choose the right loan structure, understand your repayments and set up your loan in a way that supports your future plans, whether that’s renovating, upgrading or investing.
Home loans can be confusing and time-sensitive, so having someone guide you through the decisions makes the whole process much clearer.