Enjoy a FREE mortgage health check on us to see if you qualify for our low interest rates from just 1.25%*

or call: 07 5574 1331

Making Finance Easy For You And Your Family

With over 60+ lenders to choose from, you can be certain with our financial support we will find you the right loan to fit and suit your individual needs.

Whether you are buying your first home, purchasing an investment property or you just need personal finance help, we are here for you every step of the way.

Family home loan approved

Loans To Suit Your Lifestyle And Your Financial Goals

Our Expert Brokers Take The Confusion Out Of Lending For...

  • First Home Buyers
  • Second Home Buyers
  • Refinancing 
  • Releasing Your Equity
  • Purchasing an Investment Property
  • Development Projects
  • Personal Finance
  • Budgeting And Planning Support
  • Finance For New Zealanders Buying Property In Australia

or call: 07 5574 1331

What Our Clients Have To Say

When we had our free mortgage health check, we were sure there was a catch. We were proven wrong in the first meeting. These people know their stuff, and happily did all the leg work for us. Wouldn’t go anywhere else now, and thanks, we’re almost ready to upgrade our home!

Wendy and Luke - Daisy Hill

Never thought I would be in a position to buy an investment property at my age, (I'm 30) yet here I am. Thanks.

David.  Coomera - Gold Coast

Our Broker Team

Whether you are a first home buyer, downsizing or up-sizing your own home, seasoned investor or an aspiring developer, we are committed to providing you with the right loan to meet your individual needs.   

Our dedicated in house team will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.

You can feel confident that you are in safe hands and we will find the loan that’s right for you.

Frequently Asked Questions

What Does A Mortgage Broker Do?

Mortgage brokers are professionals in the finance industry. They work with you to determine your needs and objectives and how much you can borrow. We help to ensure that you don’t take out a loan that is not right for you.

Like your solicitor, accountant or financial planner, we are specialists in what we do and will provide you with the right financial/loan solution.

Brokers have access to a wide variety of lenders, we have over 60 to choose from. This means as a broker we can find a loan that’s just right for you.

Isn't It More Expensive To Use A Broker?

No, but some Brokers charge a fee for their service which they must disclose to you up-front before you engage their services. However, the costs of the loan are the same, depending on the loan you choose.

How Much can I Borrow?

There are specific factors that need to be considered when determining how much you can borrow, such as income, employment position, the deposit saved, current living expenses and any liabilities.

Give us a call and we can go into your options in more detail, or check out the loan calculator page of our site.

Why Should I Use A Broker If I Can Go With The Bank?

Banks will only sell you their own products., Each bank has various loan options – low doc, package loans, re-draw facilities, plant and equipment loans, fixed, interest only, interested in advance, variable, introductory variable… the issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in.

If you go direct to the bank, you will only be offered the loan options available through that one bank. As your mortgage broker, we do all the leg work for you. We are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs.

Don't You Just Recommend The Lender Who Pays You The Most Commission?

Absolutely not.

First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry, called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry.

Our job, our only job, is to find a competitive loan for your needs and financial goals.

Do You Charge Fees For Home and Investment Loans?

Some mortgage brokers charge a fee for their services and some don’t. When you take out a loan via a Mortgage Broker like Key To Australia it does not cost you more. Brokers get paid commission by the lender for bringing new business to them, this does not impact your interest rate or level of service.

Some brokers charge a fee for their service. They must disclose this fee upfront to you so you know what you will be up for if you engage their services.

I'm Not In Your Area, Can We Still Work Together?

Absolutely, our in-home consultants will come to you at a time convenient to you.

Or if you prefer we can talk via phone/SKYPE/Zoom.  We want to make sure the process is easy and simple for you.

Which Lenders Do You Deal With?

We have access to over 60 lenders (including all the main banks) and each lender has a range of financial products we can use to find the perfect match for you.  Meaning we have access to over 600 loan products. 

We can source you a loan from a variety of lenders to provide you with options that are suitable for you and your situation.

Should I go Fixed Or Variable?

We will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments”. We do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty take a fixed rate loan, if you want both, then do both.”

That's why its important to talk it all through and find the best solution. 

Who Sets Interest Rates?

The Reserve Bank of Australia meet on the first Tuesday every month to determine the official cash rate for the country. The lenders then use this information to set their own rates.

Mortgage brokers and Banks do not set rates.

Our Calculators

Free Mortgage Health Check

Make an appointment today and take advantage of our free mortgage health check.  There is nothing to pay and even if you do decide to use our services, there is still nothing to pay as we are paid by the banks, not you.  Try us out, you won't be disappointed. Your home, our office or via phone/SKYPE you choose...

or call: 07 5574 1331

Couple talking about a home loan with Key to Australia