Your Home Loan. Solved.
We’re your dedicated home loan specialists, here to guide you through every step of your journey—whether you’re a first home buyer, upgrading, or looking to access equity to grow your investment portfolio. With expert knowledge and a commitment to finding the right loan for your needs, we’ll make the process simple and stress-free.
Get started with a free assessment:
Meet Simon Welford.
Hi! I’m your dedicated home loan and mortgage specialist. Your go-to for all questions and queries during this exciting time – whether this is your first home loan, you’re refinancing or you’re looking to invest.
There’s a big difference between working with a mortgage broker (like me), compared to directly with a bank.
Unlike the banks, I’m in your corner and I’m acting in your best interests. I go into battle for you to secure the best available loan and interest rate for your circumstances. I don’t just work with one or two lenders, I work with over 60 to ensure we’ve covered every option.
Once you’ve secured the loan, I’ll conduct semi-annual interest rate reviews to ensure you’re always getting a good deal. And if we can do better, I’ll negotiate the rate in the background so you won’t need to lift a finger!
I’m here for the journey. You’ve got ongoing support and advice a phone call, SMS, or email away. My service extends beyond your first home too as you renovate, extend, invest or upgrade.
You’ll rest easy knowing there’s someone relatable who’s got your back, always
How We can Help you.
- Low-fuss loan approvals using the latest tech
- Access to 60+ lenders in one place
- Personalised advice tailored to your situation
- 100% online or in person for maximum flexibility, no matter where you are in Australia
Is there a cost?
There is no cost to you. As mortgage brokers, we act as the negotiator between you and the lenders/banks. We work for you, but get paid by the lender of your choosing for recommending their product.
This process leads to better customer service, while keeping the banks honest and competitive. A win-win for all!
What Makes Us Different
Puzzle Box Finance
Banks
First Home Loans
Buying a home is one of the biggest decisions you’ll make. Weekends spent at open inspections to jargon-filled paperwork – there’s a lot to consider! We’re here to simplify the process and find the right solution for your situation.
Next Home Loans
Downsizing, upsizing, a sea change or city lifestyle – buying your next home starts with knowing what to do with your current property. We’ll compare home loan products to find the right solution for you.
Refinance
Refinancing your existing loan can save you money and trim your mortgage. Maybe you’ve been thinking of accessing some of your equity as well? Getting a better deal can be easier than you think!
Investment Loans
Want to expand your property portfolio? Adding to your self-managed fund? Looking at your cash flow or capital growth? Whatever your next step, we’ll take out the hurdles and help you secure the finance for your investment property.
Construction Loans
There can be a few bumps in the road when you’re building your dream home from scratch. That’s why it’s a smart move to sort out your finances before entering into a contract.
Car Loans
We all love that new car smell, but not everyone can buy a new car upfront. We can negotiate with over 60 banks and lenders to find a competitive car loan suited to you.
Personal Loans
Want to go on a holiday, pay for a course or buy some new furniture but need a personal loan to get the extra funds you need? We can find the right personal loan solution for you.
Commercial Loans
Whether you need to upgrade your warehouse space, expand stores or find a bigger office, we will help you navigate the commercial loan minefield, ultimately finding one that works for you.
Business Loans
Looking to expand your business? Our finance brokers are experts in making sure your business loan is set up to maximise your investment. With access to hundreds of different business loans, we can help you find flexible business loans.
Asset Finance
Looking to expand or update your assets and equipment? We work with over 60 banks and lenders to find a competitive asset loan structure tailored for you. And we’ll do the legwork too, leaving you to spend more time running your business.
The process is easy!
1
Start Your Application
Once you’ve started an application with us, we’ll be in touch to assist you through the process.
You’ll enjoy the ease and flexibility of our secure online portal to assist in providing the required documents.
2
Receive Personalised Advice
Once we’ve assessed your situation, we’ll provide you with some options to consider, personalised to your situation and goals.
3
Select Your Preferred Loan
We’ll guide you through the options and assist you in selecting the right loan product. Then we’ll do the legwork for you with the lender and process the application through to approval.
4
Receive Your Funds
We’ll keep in touch with you in the lead up to your loan settlement day and ensure you receive your funds to facilitate your exciting next move!
Get a FREE copy of our First Home Buyer Guide.
10 reasons you’ll love a broker more than you love your bank...
- Since January 1st 2020, the Best Interests Duty (BID) only applies to brokers, not banks. This means you’ll have a professional who is legally obligated to work and act in your best interests – and no one else’s.
- You get someone who works for you. Bankers work for their shareholders.
- You’ll benefit from a comparison of over 60 banks and lenders who offer hundreds of loans and products.
- You’ll have someone with you for the long haul, regularly checking in on your loan to ensure it aligns with your goals.
- You’ll have someone fighting for the fittest rate on the market for you so that your loan matches your needs and goals, not the first product on the shelf.
- You can contact me at any time, not just during the restricted working hours of a bank.
- You’ll have a professional advising on rates, repayments, incentives and contracts.
- From the first Fact Find to the final repayment, your broker is with you all the way.
- You won’t be left alone to negotiate with bankers, agents, conveyancers, accountants…
- Oh, and did I mention that having a broker comes at no cost to you?
I’ll search high and low, across thousands of products, all the best known and emerging banks and lenders to find your loan. I’m a part of a family- owned company, I genuinely want what’s right for you.
You ask,
We answer
A mortgage broker (like me) acts as the middleman between you and the lenders/banks. We work for you but get paid by the lender or bank of your choosing. That means they help you choose the right loan to suit your needs at no cost to you.
Of course! Borrowing capacity refers to how much you can borrow from a lender. To get an estimate of your borrowing capacity go to our calculator: How much can I borrow? If you want to get an in depth review of your borrowing capacity, get in touch today.
Typically lenders ask for 20% of the total house price before they’ll consider giving you a loan but there are a number of ways around this. Some lenders will accept a smaller deposit but it’s likely that you’ll need to pay Lenders Mortgage Insurance (LMI). There might also be grants that you can take advantage of. Get in touch to chat about your options.
Absolutely! You can use your existing home to buy your investment without needing to dive into your savings. This equity can be used for various different reasons, such as a deposit, bonds, renovations or to take out a line of credit.
There is no cost to you. A mortgage broker acts as the middleman between you and the lenders/banks. We work for you, but get paid by the lender or bank of your choosing.
1There may be occasions where you may be charged a fee by your broker.
2Your broker is able to assess each lender’s approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.
3Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.
4The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage.