What it's like working with a mortgage broker
More choice, less stress and an expert in your corner, usually at no cost to you. Here's exactly how the process works and how we're paid.
Why use a mortgage broker?
More choice
Compare 50+ lenders instead of one bank's product range.
Time back
We handle the forms, follow-ups and lender back-and-forth.
Legally on your side
Best Interests Duty means your needs come first.
Sharper deals
We know which lenders price well for your situation and how to negotiate.
Policy know-how
Self-employed, a bonus-heavy income, or a unique property? We know which lenders will say yes.
Ongoing reviews
We keep checking your loan long after settlement.
Our process, start to finish
Free discovery chat
By phone or Google Meet. We learn about your goals, income, spending and timeframes, and answer every question you have.
Borrowing power & strategy
We work out realistic borrowing capacity across different lenders and the best structure: offset, split, fixed or variable.
Shortlist & recommendation
You get a clear comparison of suitable loans and our recommendation, with reasons documented, as required under Best Interests Duty.
Application & approval
We prepare and lodge a complete application, liaise with the credit team and keep you updated until approval.
Settlement & beyond
We coordinate with your conveyancer and lender through settlement, then review your loan regularly to keep it competitive.
How we're paid
For most residential home loans our service costs you nothing. When your loan settles, the lender pays us an upfront commission, and usually a small ongoing "trail" commission while your loan is active. That payment comes from the lender's margin, not from your loan balance, and it doesn't change the rate you're offered.
For some commercial, asset or specialist lending we may charge a fee, for example where a facility is complex or the lender pays little or no commission. If a fee applies, we'll explain it and put it in writing before you decide to go ahead.
You'll receive our Credit Guide and a written disclosure of the commissions we may receive on your loan.
Illustrative example only
Working with a broker: questions answered
How are mortgage brokers paid in Australia?
Lenders pay brokers an upfront commission when a loan settles and usually a small ongoing trail commission while the loan remains open. These payments come from the lender, not from your loan, and don't change the interest rate you're offered. We disclose the commission on your loan in writing before you proceed.
What is the Best Interests Duty?
Since 2021, mortgage brokers in Australia have been legally required to act in the best interests of their clients when providing credit assistance, and to prioritise your interests if there's a conflict. It means our recommendations must be based on your needs and objectives, and we must be able to show why.
Will using a broker affect my credit score?
We only lodge applications with lenders after you've agreed to a recommendation, and we'll never shotgun your application across multiple lenders. Careful lender selection upfront means fewer credit enquiries, which is better for your credit file than trying several banks yourself.
Can I use a broker if I already have a loan with a bank?
Absolutely. We regularly review existing loans, negotiate with current lenders on your behalf and, if it makes sense, help you refinance to a better-suited loan. Sometimes a repricing request with your current lender is all that's needed.
Do I have to take the loan you recommend?
No. You're under no obligation at any point. We'll explain our recommendation and the alternatives we considered, and the final decision is always yours.
Ready to rise more with us?
Book a free, no-obligation chat. We'll look at your numbers, compare 50+ lenders and show you a clear path to approval.