A mortgage broker for Brisbane borrowers, on a national lender panel.
A mortgage broker for Brisbane and Queensland, covering home loans, refinancing, investment loans and borrowing inside super. It all runs over video and phone. There is no office in Queensland, and it makes no difference to the loan you end up with — the lender panel is national and so is the pricing.
How it works if you’re in Brisbane.
Every meeting happens over video or the phone. You upload your documents securely, sign everything online, and we lodge it to the lender electronically. Being in the same room has never once made a lender go faster.
A typical Brisbane job takes three conversations. A first call to work out what you earn and what you are after. A working session to go through the lender options. Then a walk-through of what we are lodging, and email updates until it settles.
Hours run 8am to 7pm AEST. During daylight saving in the south, Brisbane sits an hour behind, and we hold morning slots from 7am Brisbane time for clients who want to talk before work.
No office in Brisbane. The lender panel is national.
We don’t have an office in Brisbane, and we won’t pretend otherwise. Queensland clients meet us over video. That is how we have run for years — it is not a stopgap.
Which lenders we can reach has nothing to do with our postcode. The panel is national. A Brisbane home loan or investment loan is lodged, priced and assessed under exactly the same lender rules as one from down the road in Melbourne.
- The same 50+ lenders.
- The same broker the whole way through.
- Nothing to pay us on a normal home loan.
- The same Credit Guide before anything is lodged.
Loans we arrange in Brisbane.
Owner-occupied home loans
Variable, fixed, split, offset. Brisbane owner-occupier files commonly land in the mid-range for our usual loan size.
Refinancing
Rate review, cashback offers where available, equity release, debt consolidation. Queensland mortgages older than two years are usually above market.
First home buyer loans
Federal First Home Guarantee scheme and Queensland state assistance. Common across growth corridors at Springfield, Ripley and Logan.
Investment property loans
Interest-only or paying it down, and how to line up more than one loan. Many southern-state investors buy into Brisbane on the same panel.
Commercial property loans
Owner-occupier commercial and investment commercial. Queensland self-employed clients with stable cash flow are the typical fit.
SMSF property loans
Residential and commercial LRBAs through specialist SMSF lenders. Queensland trustees treated identically to Melbourne files.
Construction and bridging
Progress draws, end debt, short-term bridging. Common across Brisbane growth corridors and on inner-east renovation files.
Car and personal loans
From the same panel of lenders, when it stacks up. Less common than home loans, but we do it.
The lenders we compare.
More than 50 lenders through Outsource Financial. The six below are the ones we use most. Lending inside super goes to a smaller, more careful group of specialists. Which lender suits you depends on your finances, how much you’re borrowing against the place, and what it’s for — not on where your broker lives.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
The loans we see most often.
Brisbane loan sizes typically run below Sydney and the inner Melbourne ring. Most of our loans land between $500,000 and $800,000, and Brisbane owner-occupier files often sit in the middle of that band. The home loan repayment calculator gives a rough read on what that looks like monthly. Inner-east loans through New Farm, Hawthorne and Norman Park run higher, sometimes meaningfully so.
Investment lending is the next biggest group. A meaningful share of investor borrowing into Brisbane comes from interstate buyers based in Sydney and Melbourne. The coordination on that work runs the same way regardless of where the buyer sits.
Refinancing volume is meaningful. Queensland mortgages held for more than two years are very often above market, both because rates have moved and because retention pricing inside the major banks rewards the inattentive borrower in the opposite direction. The refinance break-even tool usually settles whether a switch is worth the work.
Borrowing inside super, and what we get paid.
Both halves, for Queensland trustees.
30+ SMSF loan clients on the books. Brisbane trustees get the lending and, where it matters, the wider advice from the one adviser — worked through with your accountant.
Nothing to pay on a home loan.
The lender pays us when the loan settles. It is all set out in the Credit Guide before we lodge anything. Commercial and SMSF work can carry a fee, and if it does we agree it with you in writing before we start. Queensland first-home buyers should also have a look at the first home buyer page on the federal and state schemes.
What people in Brisbane ask first.
Keep reading
- All broking servicesThe main page — every kind of loan, all of Australia.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, how much to borrow, portfolio sequencing.
- SMSF property lendingLRBAs and specialist lenders for Queensland trustees.
- Brisbane financial plannerVirtual financial planning across Queensland.
- Brisbane buyer's agentInner-east, middle-ring, growth-corridor coverage.
Start with a free first call.
Just a conversation. What you earn, what you have saved, and the place you have got your eye on if there is one. The same call Brisbane clients have been having with us for years.