A mortgage broker compares loans from a wide range of lenders to find one that suits your goals. We handle the paperwork, explain the options, and manage the process from start to finish—so you don’t have to deal with the banks directly.

In most cases, no. We’re paid a commission by the lender, not by you. If a fee does apply, we’ll be transparent about it upfront so there are no surprises.

Not at all. The cost of your loan is the same whether you go through a broker or directly to a bank. In fact, we can often save you money by comparing better options and negotiating on your behalf.

Definitely not. Broker commissions are fairly consistent across lenders—and our recommendations are based solely on what’s in your best interest. We’re also bound by strict legislation to act ethically and transparently.

Your borrowing capacity depends on your income, expenses, deposit, and existing debts. You can try our online calculator for a rough estimate, but a quick chat with our team will give you a clearer picture tailored to your situation.

It depends on your priorities. Fixed rates offer certainty in repayments, while variable rates offer more flexibility. Many clients choose to split their loan to get the best of both worlds. We’ll help you weigh up the options based on your goals.

It depends on your priorities. Fixed rates offer certainty in repayments, while variable rates offer more flexibility. Many clients choose to split their loan to get the best of both worlds. We’ll help you weigh up the options based on your goals.

The lowest rate isn’t always the best option. Loan structure, flexibility, fees, and features like offset accounts or redraw can make a big difference to your overall financial position. We look at the whole picture—not just the headline rate—to make sure your loan works for your goals now and into the future.

Absolutely. We work with clients all over Queensland and interstate. Phone, email, Zoom/Teams, or in-person—we’ll make it work for you.

Absolutely. We often collaborate with accountants and planners to ensure your finance structure supports your tax position and long-term wealth strategy.

Yes. The wrong structure can limit your ability to invest, access equity, or reduce debt effectively. We design your loan with your bigger financial picture in mind—whether that’s future property purchases, business growth, or lifestyle goals.

We have access to over 30 lenders across Australia, including major banks, regional lenders, and specialist institutions. That means more choice—and a better chance of finding a deal that suits your needs.

The Reserve Bank of Australia sets the official cash rate. Lenders then adjust their rates based on this, as well as their own funding costs and market conditions.

Banks only offer their own products, which limits your options. As brokers, we compare multiple lenders and products to find the one that suits your situation. More importantly, we consider how each loan impacts your overall strategy—so you don’t get stuck with a deal that looks good now but costs you later.