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ABOUT US
About Cairns Home Loans
Local Knowledge. National Expertise. Over 27 Years of Financial Experience.
Trusted financial expertise in Cairns and Far North Queensland for more than 15 years.
For more than 15 years, Cairns Home Loans has helped individuals, families, property investors and business owners navigate some of life's most important financial decisions.
Established in Cairns and built on long-standing relationships throughout Far North Queensland, our business brings together extensive lending knowledge, personalised service and a genuine understanding of the communities we serve.
At the heart of Cairns Home Loans is Roger Ward, an award-winning mortgage broker, former bank regional manager and financial planner with more than 27 years of experience in the financial services industry.
Roger is a familiar and respected voice in the Far North Queensland financial community, having established a reputation for helping people understand their borrowing options and make informed financial decisions.
His approach is straightforward: take the time to understand the person, not simply the loan.
MEET ROGER WARD
Award-Winning Expertise. A Lifetime in Finance.
Few financial decisions are as significant as purchasing a home, refinancing a mortgage, investing in property or accessing equity in retirement.
Having worked across senior banking management, financial planning, business finance and mortgage broking, Roger brings a breadth of experience that extends well beyond traditional home lending.
His professional achievements include:
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Over 27 years of financial services experience, including senior banking management and financial planning.
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Twice awarded Queensland Mortgage Broker of the Year by the Mortgage & Finance Association of Australia (MFAA).
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Fellow of the Chartered Institute for Securities & Investment (CISI), reflecting his professional standing in financial services.
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More than 10 years of experience arranging reverse mortgages, helping older Australians explore ways to access their home equity.
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Thousands of loans arranged across residential, investment and complex lending scenarios.
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Member of the MFAA, Australia's peak professional association for mortgage and finance brokers.
Roger's career has given him a particularly strong understanding of regional lending, property investment, business finance and the different challenges borrowers can face outside Australia's major capital cities.
A Recognised Voice in the Far North Queensland Community
Cairns Home Loans is more than a mortgage brokerage. It is a locally established business with deep roots in the region.
Over many years, Roger has become a recognised authority on lending and finance in Cairns and across Far North Queensland, contributing his experience and perspective to conversations about home ownership, borrowing and financial decision-making.
His long-standing involvement in the local business community reflects a commitment to helping Far North Queensland residents understand their options and navigate an increasingly complex lending environment.
That local knowledge matters.
From the needs of first-home buyers and established homeowners to the challenges facing property investors, retirees and business owners, Roger understands that regional borrowers often require solutions tailored to their circumstances.
Specialist Lending Solutions
Reverse Mortgages
With more than a decade of experience arranging reverse mortgages, Roger helps older homeowners explore their options for accessing home equity in retirement.
We take the time to explain how these loans work, including interest accumulation, repayment obligations, equity protection and potential implications for your financial future.
Investment Property Finance
Property investment lending requires more than finding an attractive interest rate.
Roger's background in banking, financial planning and business lending provides valuable insight into borrowing capacity, loan structures, lender policies and the financial considerations involved in building or maintaining a property portfolio.
Our Approach: The Right Lender for the Right Person
With decades of experience comes an important understanding: not every lender is suitable for every borrower.
Each lender has its own credit policies, assessment criteria and appetite for different types of lending.
That's why Roger begins with two essential questions:
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Which lenders are suitable for your circumstances?
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Of those lenders, which offers the most appropriate solution for your needs?
It's an approach built on experience, careful assessment and an understanding that the lowest advertised interest rate isn't always the best overall financial outcome.
We believe good lending advice should leave you feeling informed, confident and comfortable with your decisions.
Proudly Cairns. Proudly Independent.
Cairns Home Loans has spent more than 15 years serving the community we call home.
We understand the local property market, the regional economy and the importance of relationships built on trust.
Whether you're buying, refinancing, investing or considering your options in retirement, you'll receive considered guidance from an experienced local professional who takes the time to understand what matters to you.