A mortgage broker for all of Australia.
Most mortgage broker conversations in Australia stop at the interest rate. We'd rather start with the rest of it: what's actually coming in and going out, how the loan should be owned, and what you're planning to do with the place. The rate matters. It's just not the only thing that does.
Loans we arrange.
Eight kinds of loan, written regularly. Each one gets set up against the rest of your finances rather than on its own. First-time buyers usually start at the first home buyer hub; investors at the property investment hub.
Home loans
A loan for the place you'll live in. Fixed, variable, offset, redraw — set up around your pay cycle, not just the advertised rate.
Refinancing
Moving your loan somewhere better, or pulling equity out of it. We look at yours each year so it doesn't quietly go stale.
First home buyer loans
Grants, the government deposit schemes and stamp duty discounts — sorted out before you start going to open homes.
Investment property loans
Loans for a rental property, set up so the tax side and the week-to-week cash flow both stack up.
Commercial property loans
Shops, offices and warehouses — including premises your own business works out of, bought inside a super fund.
Construction loans
Building new, or buying land and building on it. The money comes out in stages as the place goes up.
Bridging finance
Short-term money so you can buy the next place before the old one has sold. Handy when the timing won't line up.
Car and personal loans
Car finance for personal or business use, novated deals compared, plus personal loans secured or unsecured.
We compare more than 50 lenders.
We get to the full panel through Outsource Financial, our aggregator. Here are the ones we write to most often, and the sort of loan sizes we see.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
How it works, start to finish.
Five steps. The first conversation is free and you don't need any paperwork to have it. If you want a rough number before you ring, the home loan repayment calculator and the refinance calculator will get you most of the way.
- 01A first chat
Free, no obligation, about 20 minutes. Enough for us to understand the job and give you a rough borrowing figure.
- 02What you can borrow
A proper look at your income and spending, how the loan should be owned, and what size actually suits your plans.
- 03A shortlist
Two or three lenders, with the reasons written next to each. Not simply whoever advertises the lowest rate.
- 04Application and approval
We lodge it, chase the lender, and get you from conditional approval to unconditional.
- 05Settlement, then a yearly check
We line up with your solicitor and, if there is one, your buyer's agent. Then we look at the loan again every 12 months.
Borrowing inside super is our quiet specialty.
More than 30 SMSF loans written. Most brokers hand this work to someone else. We keep it, so the advice and the loan come from the same person — which matters more than ever now the rules have changed.
Who you're dealing with.
- Your broker
- Balki Balakrishnan
- Experience
- 12+ years in finance broking
- Member of
- FBAA
- Authorised as
- CR 45250 of Outsource Financial Pty Ltd
- Office
- Suite 11.18, 401 Docklands Drive, Docklands VIC 3008
- Where we work
- All of Australia — in person or online
For how we're paid and who we answer to, see the Credit Guide.
Straight answers about loans.
Not for a standard home loan. The lender pays us when the loan settles. If a fee would ever apply to your situation, we tell you before you start and put it in writing — never at the end. The Credit Guide sets out how we get paid in full.
A rough borrowing figure takes about 20 minutes on the phone. A formal pre-approval is up to the lender — usually 3 to 10 business days once they have all your paperwork.
In this order: will they lend you enough, will they let you set the loan up the way you need, do their rules suit your situation — and then price. The cheapest advertised rate is often not the right loan. You get a shortlist with the reasoning written next to each one, so you can disagree with us if you want to.
Yes, and we've written more than 30 of them. Most brokers send this work to someone else. We don't, and the advice and the loan sit with the same person. The rules changed in August 2026, so start at the SMSF hub before you plan anything.
Two recent payslips, your last two tax returns if you work for yourself, a list of what you owe, three months of bank statements, and ID. We send a checklist after the first call so you're not guessing at it.
No. The office is in Docklands and you're very welcome to come in, but loans are written over phone, video and email for clients all over Australia, Monday to Friday between 8am and 7pm AEST.
Keep reading
- RefinancingSwitching lenders, changing the structure, or pulling equity out.
- First home buyer loansGrants, deposit schemes and stamp duty discounts.
- Investment property loansPaying interest only or paying it down, and how much to borrow.
- Construction loansMoney released in stages, and land-and-build packages.
- SMSF lendingBorrowing inside your own super fund, and who'll lend for it.
- Borrowing capacity calculatorA quick number before you go to an auction.
Know your number before you bid.
Twenty minutes on the phone gives you a realistic idea of what you can borrow. It's free, and you don't need to dig out a single document to have the conversation.