Home Loans
Buy your home with confidence.
MORTGAGE BROKER | AUSTRALIA
Guiding You Home
With the right loan and the right support, your goals are closer than you think.
I’m Gemma Artus, mortgage broker and founder of Castle Hill Lending. Based in Townsville, Queensland, I help Australians find lending solutions suited to their circumstances, whether they’re buying a home, refinancing, investing, building or looking for specialist lending.
Gemma Artus
MORTGAGE BROKER
Personal & TailoredSolutions based on your situation.
Clear CommunicationSimple, honest advice.
Multiple LendersMore options to explore.
Ongoing SupportHere beyond settlement.
LOANS FOR EVERY STAGE
Home Loans & Lending Solutions
Whether you’re buying your first home, building, investing or refinancing, I’ll help you explore a loan that fits your goals and circumstances.
Explore Your Options →Refinancing
Review your current loan and options.
Construction Loans
Funding for your building journey.
Temporary Visa Holders
Explore lending options for eligible visa holders.
Investment Loans
Grow your property portfolio.
First Home Buyers
Guidance for your first purchase.
Car Loans
Finance your next vehicle.
Expat Loans
Solutions for Australians overseas.
WHY WORK WITH ME?
Mortgage advice that feels personal.
01
Tailored
Your circumstances are different. Your lending strategy should be too.
02
Clear
No confusing jargon. I’ll explain what matters and what happens next.
03
Connected
I’ll help you navigate lender options and the application process.
04
Supported
From first conversation through to settlement and beyond.
A SIMPLE PROCESS
How It Works
I’ll make the lending process easy to understand, so you can move forward with confidence.
1
Let’s Chat
We discuss your goals, circumstances and next steps.
2
Assessment
We work through suitable lender options and requirements.
3
Application
I help you prepare the information and lodge your application.
4
Settlement
You get the keys and start your next chapter.
BORROWING CAPACITY CALCULATOR
What could you potentially borrow?
Use this quick calculator to get an indicative estimate based on your income, expenses, debts and a sample assessment rate.
This is an estimate only. Actual borrowing capacity depends on lender policy, assessment rates, living expenses, existing commitments, dependants, credit history and many other factors.
Indicative borrowing capacity
$0
Enter your figures above and calculate your estimate.
MEET YOUR BROKER
Hi, I’m Gemma.
I believe lending should feel straightforward, not overwhelming. My role is to understand where you are now, where you want to go, and help you work through the finance options available to you.
Whether you’re buying your first home, refinancing, investing, building, or looking for a more specialist lending solution, I’m here to guide you through the process.
Let’s talk about your plans →“
Let’s make the lending process feel a little less daunting — and a lot more personal.
Gemma Artus
MORTGAGE BROKER
Let’s make it happen.
I’m here to guide you every step of the way.
COMMON QUESTIONS
FAQs
How much can I borrow?
Borrowing capacity is different for every applicant. Use the calculator above for an indicative estimate, then contact me for a personalised assessment.
Can you help if I’m self-employed?
Potentially, yes. The right approach depends on your income structure, trading history and the lender’s requirements.
Can you help temporary visa holders?
I can help you explore lending options that may be available to eligible temporary visa holders, subject to lender policy.
Do you help with refinancing?
Yes. We can review your current loan, goals and circumstances and explore whether refinancing may be appropriate.
LET’S TALK
Ready to take the next step?
Tell me a little about what you’re hoping to achieve and I’ll be in touch.
✉ gemma@castlehilllending.com.au
☎ 04317 99892
⌖ Australia — servicing nationwide
CASTLE HILL LENDING
Buyer Guides
Practical guides to help you navigate your property journey.
FREE GUIDE
Buying Your First Home
A practical guide covering deposits, borrowing, Queensland first-home assistance, purchase costs and the journey from pre-approval to settlement.
DOWNLOAD GUIDEFREE GUIDE
Buying as a Permanent Resident
Understand finance, property options, first-home assistance, purchase costs and the home-buying process in Australia.
DOWNLOAD GUIDEFREE GUIDE
Buying on a Temporary Visa
Understand property eligibility, foreign investment requirements, finance considerations and the additional costs that may apply.
DOWNLOAD GUIDEHave questions about your situation?
Speak with Castle Hill Lending about your borrowing options and take the next step with confidence.
GET IN TOUCH