THREE IMPORTANT REASONS TO Consider US

We are impartial

Typically, mortgage brokers receive and retain commission payments from the lender you borrow money from (this is their payment instead of charging a fee). Different lenders pay different commission amounts to a broker on settlement of a loan, which means the broker gets paid more (or less) depending on the lender recommended.

The commission payments are based on the size of your loan amount, so a broker who suggests you borrow more gets paid more. This also works the other way where should you borrow less, the broker will receive less commission.

You can see how commission payments may cause a conflict of interests between what is best for you and what is best for others. We are confident most mortgage brokers see beyond commissions and focus only on their clients, however, we feel the ethical choice is to charge a fixed, transparent fee (removing any potential conflict).

Our skill set goes well beyond mortgage broking

Our expertise goes well beyond that of your average mortgage broker. We are qualified independent financial planners and authorised tax practitioners. We can help you to understand the bigger picture and how your mortgage or other debt fits into your broader situation and lifestyle goals. We can help you answer common questions like: Should I buy a home, an investment property or maybe a different asset? How much should I borrow? How can I use debt to pay less tax? Can I actually afford this loan? How can I protect my family if something were to happen to me? Ensuring you are properly educated will help you make the smartest money decisions for you and your family. We hold a separate Australian Financial Services Licence (not relating to credit advice) that we use to provide other such advice if appropriate.

We give you all the commission payments for the life of the loan

Our clients love this! We provide you with all commission payments we receive for the life of the loan. There is an upfront commission payment, followed by what are referred to as trailing commission payments, usually paid by the lender to a mortgage broker on a monthly basis for the life of the loan. You can use these commission payments to pay our once off fixed fee (if you wish), meaning you never need to part with money from your wallet to pay for our expertise. Once our fee is paid, all other commission payments are yours to keep!