A mortgage broker for Brisbane borrowers, on a national lender panel.
A mortgage broker covering home loans, refinancing, investment and SMSF lending for Brisbane and Queensland. Delivered virtually. Same panel, same broker, no in-person office in Queensland.
How the service works for Brisbane clients.
Every meeting is by video or phone. Document collection is by secure upload. Loan and supporting documents are e-signed. Submission to the lender is electronic. Physical proximity does not change processing time on any major Australian lender.
A typical Brisbane file runs across three contact points. An introductory call to map income and target. A working session to compare lender options. A submission walkthrough and updates by email until settlement.
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.
There is no Brisbane shopfront. The lender panel is national.
The practice does not operate a Brisbane office. Queensland clients meet the broker by video. The model has been virtual for years and is not a stopgap.
Lender access does not depend on broker postcode. The panel is national. Brisbane owner-occupier and investment files are submitted, priced and assessed on the same lender policies as a Melbourne file.
- Same 50+ lender panel.
- Same broker, the whole way through.
- No upfront fee for residential lending.
- Same Credit Guide before any submission.
Loans we arrange for Brisbane borrowers.
Owner-occupied home loans
Variable, fixed, split, offset. Brisbane owner-occupier files commonly land in the mid-range for the practice average 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, P&I, portfolio structuring. 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
Through the same panel where it makes sense. Less common than residential, but available when needed.
The 50+ lender panel for Brisbane borrowers.
50+ lenders via Outsource Financial. The six listed are the lenders we send the most volume to. SMSF-specialist lenders sit on a smaller, more cautious panel. Lender selection depends on credit profile, LVR and loan purpose, not on the broker's home state.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
Loan profile we see most often.
Brisbane loan sizes typically run below Sydney and the inner Melbourne ring. Average ticket sizes across the practice 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 second-largest cohort. 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.
SMSF and broker fees explained.
End-to-end for Queensland trustees.
30+ SMSF loan clients across the practice. Brisbane trustees access end-to-end SMSF lending and, where relevant, related financial planning under one adviser. Coordinated with the trustee's accountant.
No upfront fee on residential.
Broker commission is paid by the lender on settlement. The arrangement is disclosed in the Credit Guide before any application is submitted. Commercial and SMSF can carry advice fees, agreed in writing before work starts. Queensland first-home buyers should also have a look at the first home buyer page on the federal and state schemes.
What Brisbane borrowers usually ask first.
Continue reading
- All broking servicesFull pillar page. Every product, full scope, every state.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, LVR positioning, 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.
A first conversation. Income, deposit, target property if you have one. The same call Brisbane clients have had with us for years.