Phil Rogers

Loan Market Mortgage Broker servicing Gold Coast, Townsville, Queensland and surrounding suburbs

About Phil Rogers

Hi, I'm your local Loan Market broker - Phil Rogers.

Firstly I’d like to thank you for taking the time to read through my profile. Secondly, I’d like to congratulate you on taking the first step to saving yourself both time and money on your future home loan.

As a Loan Market broker, having access to over 30 different lenders is a huge advantage when it comes to the significant savings available. Combining both the knowledge and experience I’ve accumulated as a broker, you can rest assured you are receiving great service when it comes to the research of your next home loan. 

The past few years have been packed with humbling achievements including being voted QLD Best Regional broker 2016, QLD Broker of the year 2015 and I've been an elite performer since 2013. Recently, I've also been nominated for the Broker of the Year: Insurance (Mortgage Protection and Life) Award.

As a local Queenslander with personal, business and investment interests throughout the region, you can have confidence that when researching, all aspects of not only the loan but the purchase itself and future investments will be discussed. As I retain considerable experience and strong relationships within a variety of diverse industries locally at my disposal, these will be available to you wherever needed in the process.

Whether you’re a mum and dad investor, first time home buyer or an avid property investor, I aim to ensure that both your short and long term goals are clearly identified and the correct products are used to support your goals. Aspects such as loan structures, debt repayment strategies and any tax advantages available are all of extreme importance when it comes to choosing the right product to suit your purchase and will be a major part in our discussions. I pride myself on encouraging you to play a large role in the choice of the loan, as it is my belief that the education process for yourself is just as important as the end loan product itself. 

In a time when good old fashioned service and personal touch is often overlooked and undervalued, you can rest assured that when dealing with myself and my business, my intentions are to build long term relationships and friendships, not just write loans.To list yet another advantage of being a client of mine and the Loan Market’s, you will not be charged for my services as I am paid by the lender you choose. So even if you’re just after a second opinion in what is a very competitive market, I would be more than happy to sit down and go through any queries you may have surrounding home loan finance.  

Home Loans in Townsville

As an experienced broker, I have access to home loans from a wide panel of major banks and secure lenders, and truly understand home finance in a real estate context. Getting your home loan organised early can ensure you are in a competitive position to negotiate for your home on your own terms, giving you an advantage over other buyers. While the home loan application process can be daunting, it is often simpler than most people think and simpler still when you utilise our services. 

Home Loan Deposits

Most banks and lenders will require a minimum deposit of 5% of the value of the property you are purchasing before they approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources. These include genuine savings, monetary gifts, inheritances and first home owner incentives. However, most lenders will require at least a portion of your deposit to come from genuine savings. 

If you don’t have the deposit you require, you may be able to make use of family equity, also known as a limited guarantor loan. The most commonly used form of family equity is where a family member offers their existing property as security for a portion of the home loan, generally about 20%. 

First Home Buyers in North Queensland

Buying your first home is undoubtedly an exciting experience, but there is a lot to consider. I strive to make the application process as smooth and easy as possible, so you can concentrate on finding your perfect property. As part of my service, I will assist you in understanding the types of home loans available to you and will guide you to select the right one for your situation. If you’re eligible for the First Home Owners Grant or any state government first home buyer assistance, I will help you complete the paperwork. 

Home Loan Pre-approval in Townsville

Home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you a large advantage when negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place. Home loan pre-approval is generally valid for approximately 3 months, and you will still need a satisfactory valuation on the property you intend to purchase before your pre-approval can progress to a full loan approval. 

Property Investment Loans in North Queensland

Property investment can be a smart wealth creation strategy, if you get it right. That doesn’t just mean finding the right property - you need the right investment finance as well. Your investment loan package should be tailored to your individual investment strategy and goals. I work closely with your financial planner and accountant to make that happen. Whether you’re an experienced property investor with a big portfolio or just starting out with your first property, I can help you get the right investment loan for your circumstances.

Refinancing Loans in North Queensland

Refinancing your mortgage is something that requires careful consideration. The most important thing to consider is if refinancing will place you in a better financial position than you would be if you stuck with your current loan. I will go through the figures with you to show you the costs involved in changing home loans, in addition to the projected costs over a set timeframe for both your current and proposed home loans.  If you decide that refinancing is the right move for you, I will help you complete all the necessary paperwork, making the change as easy as possible. 

Debt Consolidation in Townsville

Debt consolidation is a handy solution when you’re struggling with repayments on several debts, such as your home loan, credit cards and personal loans. Debt consolidation operates by combining all those debts and implementing them into your home loan, which generally tends to have the lowest interest rate. As the interest rate is lower and the loan term is usually longer, your monthly repayments will drop, relieving you of some stress.

Low Doc Loans for Self-Employed Borrowers in North Queensland

Many self-employed borrowers require a unique loan, one that isn’t so standard, mostly due to them not having the full financial history required to attain a regular loan. Low documentation, or low doc, loans fulfill the needs of many self-employed borrowers. 

Community Involvement in Townsville

● Major sponsor of 1st grade for the North Ward Old Boys rugby union side.
● Player sponsor for University Hawks AFL side.
● Top 50 club sponsor for World Title Holder boxer Les Sherrington

Business Community Involvement

● Young chamber of commerce
● Townsville Chamber of commerce
● UDIA (Urban Development Institute of Australia)


I can’t thank you all enough; everyone at Loan Market couldn’t have been more supportive, friendly and very patient with a first home buyer who “literally had no idea”.  I have and will recommend you to everyone I know who is looking for a home loan.  Look forward to speaking with you again soon. - Samantha 

Thank you so much for everything! We rate Loan Market and everyone who looked after us a 20/10. You all did more than we could ask for! Thank you so much, extremely grateful! - Lani & Samuel 

Thank you, thank you, and thank you for absolutely everything you have done throughout the whole process of purchasing my gorgeous home. Your communication, professionalism and efficiency throughout the whole process was above and beyond any expectations I had and was truly appreciated. The support and positivity you provided me every step of the way was a godsend and eased any concerns I had. I can’t thank Phil and the Loan Market team enough and will be highly recommending Loan Market as the best brokers in Townsville! - Michelle

I just want to thank you and the team at Loan Market for the friendly, efficient service you provided in helping me to get my finances back under control and purchase my new home. I am very happy in my new house and I am in a much better financial situation than I was when I first came to you six months ago. Each step of the way I felt supported and understood, everything was presented to me in a manner that I could easily understand and everyone was friendly and easy to deal with. I will be recommending your services to many! Thank you so much, you guys rock!! - Chris

We were recommended Loan Market through a friend and cannot fault their service. Phil and Vicki were fantastic throughout the whole process, guiding us professionally throughout and helping us secure a great loan with fantastic rates as well as good features. Unlike some, there was no pressure for us to go for a product simply for their own gain. We would be happy to recommend them to anyone and if you’re looking for a trustworthy broker with access to a good range of products at hand they are well worth comparing with any competition. Genuine happy clients. - Elisa

Outstanding Service! I simply would not have been able to do this without Vicki and Phil at the Loan Market. This was a highly stressful part of my life and Vicki and Phil made it as smooth as possible. I really appreciated the outstanding customer service. The whole team was friendly, patient, professional, committed and really approachable. I am very grateful to Vicki, Phil and team and I won't hesitate recommending them. – Solange