Mortgages & Lending
Home loans that fit the frame.
We structure our loans around your whole financial picture, not just the rate.
Our approach
Your broker talks to your adviser – so you're not the messenger.
Most brokers consider the loan in isolation. Ours see the full picture: your income, tax position, super strategy and long-term goals. That changes the advice.
Rate and structure
The right rate matters. So does how the loan fits your tax position, super strategy and cash flow.
One team, no repeat conversations
Your broker shares what they know with your planner and accountant. You don't have to be the messenger.
Application to settlement
We stay across the whole process: chasing lenders, managing timelines and keeping you informed.
Our process
Three steps, and you always know where you are.
We work the same way on every loan, so nothing gets lost and you are never left guessing. Here is what happens between the first conversation and settlement.
Tell us the goal
A quick conversation, then one link to send us your documents, with a clear list of exactly what we need.
Three options
We assess your position, check lender policy before anything is lodged so your credit file is protected, and present three clear options in plain English.
Lodged, chased, settled
We prepare the paperwork, update you at every stage, chase the lender so you do not have to, and stay contactable after settlement.
Who we help
Finance for every situation
First Home Buyers
Navigating pre-approval, grants and the right loan structure from day one, with your whole financial picture in view.
Property Investors
Finance structured around your tax position, super strategy and long-term portfolio goals, not just the rate.
Business Premises Buyers
Commercial lending that fits your cash flow, growth plans and existing business structure.
Why us
Twenty-five years of knowing which lender will say yes.
Our senior broker started on the ANZ counter and worked up to lending manager before two decades of broking. That experience means we know what clients are looking for, what they are worried about, and what they do not understand.
It also means we check lender policy before anything is lodged, so your credit file is never burnt on an application that was always going to fail. And we communicate constantly, to the point that it is almost too often.
40+
Years of experience
★★★★★
Google Reviews
1,000+
Families helped
"
Thanks to Craig Nichols, I just recently refinanced my Home Loan. Craig made it VERY easy to steer through the process, and get it finalised. It was professionally handled with a touch of care. I couldn't recommend Craig and his team highly enough!
Melissa Comerford Google review
Common questions
Questions we get asked.
Going direct limits you to one lender's products and policy. We compare a wide panel, and we know before lodging which lenders suit your situation, which protects your credit file from failed applications. You do not know what you do not know.
We tell you the expected approval timeframes up front so there are no surprises.
No. We are here before and after settlement, we run rate reviews and will contact you out of the blue when we can see a better rate for you. Plenty of clients have been with us for decades.
Yes, when you want them to. All three sit under one roof, so your loan structure can line up with your tax position and your wealth plan.
Meet the team
Our mortgages team.
Craig Nichols
Mortgage Broker
Craig's an avid music fan, as a listener and participant. The guitar is his weapon of choice. When he's not strumming or spending time with his beautiful family, Craig also has a keen interest in horseracing.
Priscilla Goltz
Mortgage Broker Assistant
Priscilla's happiest in the sun. If she could, she'd replace winter with an endless beach holiday. She gets through the cold months by chasing summer around the world and playing with her year-round source of sunshine: her son, Jenson.
The first conversation costs nothing and comes with no obligation.
Like a quick chat to see if we can help?
20 minutes. No obligation. No product pitch, just an honest conversation.
Or call (03) 9574 8300
