A mortgage broker can help you understand your borrowing capacity and options when it comes to purchasing property.
Mortgage brokers are legally obliged to operate under the National Consumer Credit Protection Act’s Best Interests Duty (BID), which means they are bound to prioritise your financial interests above all else when recommending a home loan. #brokersworkforyou
By choosing to work with a broker, you can save yourself time and be sure you end up with a product that is right for you. Going directly to a bank will limit your options to the products they offer. To better understand what’s right you, here is a more detailed side-by-side comparison comparing the choice of a working with a broker versus going to the bank direct.
A Loan Market broker is by your side from start to finish.
They can help you understand your borrowing power, suggest loan products, manage the application process and ensure settlement runs as smoothly as possible. And it doesn’t end there. Your broker can also help you with other loans, including car loans, and check your loan remains competitive over time. This could mean negotiating with your current lender or finding one that is better suited as your circumstances or the market changes.
Whatever your ambition, your Loan Market broker can help make it happen.
Our promises to you
Defend your back pocket
We research over 100 banks and lenders to find a loan solution that’s right for you. Our team then negotiates to secure a competitive deal on your behalf.
Handle the heavy lifting
You do the dreaming; we do the paperwork. Mortgage applications require mountains of documents, but we manage the entire process from shortlist to settlement.
Stay in your corner
Once your loan settles, we keep checking in to ensure your rate remains competitive and your loan continues to work hard for you. Your goals aren’t static, so your loan shouldn’t be either.
Greater borrowing capacity
We can compare policies across 100+ lenders to find one that maximises your borrowing potential – especially important if you have a more complex scenario (e.g., self-employed, bonuses, rent, commissions), multiple debts or joint applications.
Example based on a combined income of $200,000:
Estimated borrowing capacity | |
Lender A | ~$1.00M – $1.10M |
Lender B | ~$950K – $1.05M |
Lender C | ~$1.00M |
Lender D | ~$950K – $1.02M |
Lender E | ~$1.05M – $1.10M |
Lender F | ~$1.10M – $1.30M |
*Figures are indicative only and subject to lender policy, interest rates and personal financial circumstances.
Competitive rates
We negotiate directly with lenders – including your existing one- to push for sharper pricing and better deals. This could save you thousands in interest over the life of your loan.
Example: Interest rate comparison for a $1 million owner-occupied loan – principal & interest over 30 years:
Variable rate | Comparison rate | Monthly repayment | |
Lender A | 6.73% | 6.80% | ~$6,490 |
Lender B | 6.19% | 6.20% | ~$6,110 |
Lender C | 6.19% | 6.19% | ~$6,110 |
Lender D | 6.29% | 6.38% | ~$6,190 |
Lender E | 5.64% | 5.66% | ~$5,770 |
Lender F | 4.94% | 5.95% | ~$5,300 |
*Rates and repayments as of June 2025. Subject to change. Monthly repayments based on a 30-year loan term.
Smarter loan structures
We don’t just look for the lowest rate – we design a structure that suits your goals. Offset accounts, split loans, interest-only periods and debt recycling – we tailor the right setup to help you build wealth and pay down debt faster.
Ongoing support & reviews
Interest rates and lending policies change. So do your needs. We’re here well after your loan settles, checking in regularly to ensure your loan stays competitive and aligned to your goals. When the time comes, we can help you refinance, restructure or invest again – with confidence.
When you meet with your Loan Market broker, they will take time to understand your circumstances and goal. They will then calculate your borrowing power and let you know if you are eligible for any schemes or grants. Then they will show you which products are suited to your needs and take charge of application through to settlement.
It will look a little like this:
You answer some questions online about your circumstances and goals.
Your broker will talk through your needs, calculate your borrowing power and discuss your options.
After further in-depth research, your broker will present you with your personalised Game Plan, providing tailored solutions and recommendations to meet your goals.
Your broker negotiates with your lender of choice and prepares your paperwork. Once you have signed, your broker will do the legwork to get it approved.
This is the moment we live for. Getting your loan approved. Once the lender gives the nod, your broker arranges the paperwork for you to sign.
There is a lot that happens on settlement day, and your broker works closely with your lender to ensure it runs as smoothly as possible.
Your Loan Market broker is by your side for life. From checking in to make sure your loan continues to be competitive to helping you find the right car loan.
Loan Market brokers’ core residential lending service costs you nothing. The lender you choose pays them a commission after your loan settles. Your broker may charge a fee to cover additional time required by their team; however, any fees will be discussed with you in advance so you can make an informed decision before proceeding with your application.
The main difference between a Loan Market broker and a Mortgage Choice broker is that Loan Market provides access to over 100 lenders, whereas Mortgage Choice works with a much smaller panel of around 35 lenders (October 2026 data from the mortgagechoice.com.au website). This means a Loan Market broker can run your profile across a much wider panel to find a loan product that is right for your unique situation.
Loan Market works with a panel of over 100 lenders, in comparison to Aussie Home Loans, which works with a much smaller panel of over 25 lenders (October 2026 data from the aussie.com.au website). A bigger panel means greater choice, so for self-employed borrowers, contractors, property investors or buyers with variable income, this could potentially mean the difference between a decline and an unconditional approval.
Let us know what your goals are and we will connect you with a Loan Market broker directly.
Find a broker close to you, or set up a video call at a time that suits you.
Find out how much you may be able to borrow to purchase property.
Understand how much money you have coming in compared to what you spend using this calculator to help you identify where you could save.
Understand the amount you will need to pay your lender before you apply for a home loan and ensure you can comfortably meet your repayments.
