Last updated: July 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited
Why Use a Broker for Your Home Loan?
When you go directly to your bank, they assess your application against their own products and policies. If you don't fit, you're declined, or worse, approved for something that doesn't work for you long-term.
As an MFAA accredited broker with access to over 50 lenders, including the major banks, second-tier lenders, and specialist lenders, we can find you a loan that actually fits: the right LVR, the right features, the right rate, and the right lender policy for your income type.
And because we're paid by the lender after settlement, our service costs you nothing. Under the Best Interests Duty, we are legally required to recommend the loan that's best for you, not the one that pays us the most commission.
What We Compare
A great home loan isn't just the lowest rate. We compare:
✓ Interest rate, variable, fixed, split
✓ Comparison rate, true cost incl. fees
✓ Offset account availability
✓ Redraw facility and conditions
✓ Extra repayment limits and break costs
✓ Annual fees, application fees, ongoing charges
✓ Lender serviceability calculations
✓ Policy flexibility for future plans
Loan Types We Arrange
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Variable Rate Loans
Rate moves with the market. Usually offers offset accounts, redraw, and unlimited extra repayments. Best for borrowers who want flexibility.
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Fixed Rate Loans
Rate locked for 1–5 years. Certainty on repayments regardless of RBA changes. Best when rates are expected to rise.
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Split Loans
Part fixed, part variable. Get certainty on a portion while keeping flexibility on the rest. Most popular choice for owner-occupiers.
Who We Help
Every borrower is different. We specialise in finding the right loan for:
Frequently Asked Questions
How much does a mortgage broker cost?
Nothing. Our service is completely free to you. Mortgage brokers are paid a commission by the lender after your loan settles, typically around 0.6% of the loan value upfront plus an ongoing trailing commission. Under the Best Interests Duty, we must recommend the loan that's best for you regardless of commission.
How long does it take to get approved?
Pre-approval typically takes 1–3 business days once documents are submitted. Full (unconditional) approval can take 5–10 business days depending on the lender and complexity. We manage the entire process and chase lenders to keep things on track.
What documents do I need for a home loan?
For PAYG employees: 2 recent payslips, latest tax return and Notice of Assessment, 3 months of bank statements, proof of ID. For self-employed borrowers: 2 years of tax returns and financials (or 1 year for alt-doc loans). We'll guide you through exactly what's needed for your situation.
Can I get a home loan with a small deposit?
Yes. You can buy with as little as 5% deposit, though you'll pay Lenders Mortgage Insurance (LMI) if you borrow more than 80% LVR. Medical professionals, lawyers, accountants and some executives can get LMI waived at up to 90–95% LVR through specialist professional packages. First home buyers may qualify for government schemes like the First Home Guarantee.
How many lenders do you compare?
Over 50 lenders, including all four major banks (CBA, Westpac, NAB, and other major banks), second-tier lenders (Macquarie, ING, Bankwest, Bank of Queensland), and specialist/non-bank lenders (Pepper, Liberty, La Trobe, Firstmac, and many more). This gives you access to hundreds of loan products.
Ready to Find Your Best Home Loan?
Free consultation. 50+ lenders compared. Personal response from John within one business day.
MFAA Accredited · ACL 511092 · 80 × 5-star Google Reviews · Barangaroo, Sydney · Free Service