About Us

Astute North Queensland owned by Cairns locals John and Orla Watts, is an award-winning business that offers a multitude of financial services from home loans, commercial and business lending as well as equipment finance, personal loans and all types of insurance and superannuation, we even know how to make a mean coffee!

Previously known as Cairns Home Loans, Astute North Queensland is home to over 10 Residential Brokers, 3 Equipment Finance Brokers and 2 Financial Planners.

We’re pretty simple really, and don’t like to complicate things. We offer Simple Solutions Straight Up. We know the world of finance can appear complicated and overwhelming. At Astute the world of finance is our world, we understand it inside out. We cut through the jargon and provide you with simple, straightforward financial solutions, tailor made for your individual circumstances. Which when it comes to your financial security, makes the world of difference.

We have access to an extensive panel of lenders and pride ourselves on making the sometimes-daunting process of obtaining finance as easy and uncomplicated as possible. We guide you through every step of the way and even deal with the solicitors and real estate agents.

We pride ourselves on the strong ties we have within in the community as well and you will often see some of us volunteering our time at Cairns netball, Rugby Union games, Port Douglas Cricket, Turtle rehabilitation centre on Fitzroy Island and a few other places around town, in Port and on the tablelands.

From lending, to insurances and financial advice, Astute are the specialists who can help you achieve your financial goals and with offices situated in Cairns, Atherton, Mareeba, Port Douglas and Smithfield, we’ve got you covered.

  • Fantastic to deal with someone who responds so quickly and gets the results you have for us.


  • It's great to know that you and the Astute team are being proactive with watching our backs for us, it's very comforting. Thanks again Astute.

    Nathan and Jodie

  • I really appreciate the efforts and the forward planning the team at Astute have done for my wife.


  • Thank you for ensuring we have the best interest rates for our home loans, we are very happy with this.


  • You guys rock! By suggesting we refinance from our current bank to the new bank, you’ve saved us over $2k a year in interest! And got us a better interest rate!


  • These guys went above and beyond and we would not be moving into our new home without their knowledge, skills and perseverance. I really cannot overstate how sincerely grateful we are. Astute is lucky to have the calibre of team they have.


  • We experienced a friendly, stress-free ambiance at your office and would definitely recommend Astute to our friends and colleagues.


  • Thanks so much for the work you’ve done on our behalf. We love the attached reports.


Credit Services and advice and any statements on this website relating to matters concerning Credit Services (as defined in the NCCP Act), are made on behalf of Rockvale House Pty Ltd, Atherton Home Loans Pty Ltd and Port Home Loans Pty Ltd as corporate authorised representatives of Astute Financial Management Pty Ltd (Australian Credit Licence No. 364 253) and its authorised representatives. Investment, superannuation, insurance and Financial Services and advice and any statements on this website relating to Financial Services (as defined in the Corporations Act), are made on behalf of Cairns Wealth and Insurance Pty Ltd a corporate authorised representative of AIW Dealer Services Pty Limited (AFSL 414 256) and its authorised representatives.