Complete Lending Solutions Est 2002

Get in touch | 0427 257 257

Oh, by the way … this is what you will not find on our website!


That we are experts, specialist and have 150 years combined experience, that we partner with our clients, continually exceed expectations, we are customer focused, or our lender panel has over 35 lenders that offer more than 2,500 products.


Biggest Financial Commitment

We won't tell you a mortgage can be the biggest financial commitment of your life and you need the right broker to find you the right loan. You won't hear from us that lenders have different lending policies and often change them, and you need a mortgage broker by your side to get your loan over the line. Lenders often change their interest rates, borrowers experience stress and confusion when browsing through bank and lender websites trying to compare products, or that our loan strategy report is a comprehensive document approximately 25 pages long.


What Your Bank Will Not Tell You

You also will not find that your bank will not tell you if you could get a better deal with the lender across the road or around the corner.


Incredible Interest Rates

... that 95% of our customers get a discount below the bank standard variable rate ... that a home loan deal that saves your friend money might not be the most appropriate deal for you ... that we will find the right loan for you ... that we will save you thousands of dollars.



... we are going to pay you 0.40% cashback or rebate or refund or mates or buddy rates, on your home loan of if you deal with us ... and so on.


Our Clients Love Us

You will not find that we have hundreds of positive customer reviews from Arman VIC, Anna NS, Marsha and James first home buyers QLD, Rocco WA, Damien ACT, Nina and Jen investors from Balmain, Tara SA, Fiona and Shrek from the Swamp, Muffin from Drury Lane, Irina and Sergei Canberra, Pablo from Melbourne, Mr Magoo Sydney, and many more.


Bank Speak

Finally (sales talk from lenders) ... we can help you find a flexible home loan that suits your needs. Refinance your home loan to us. We will give you a $2,000 rebate when you switch your loan to us. One giant leap for home loans. Support from our Home Lending Specialist every step of the way. We'll help you find the home loan that best suits your needs. We know that buying a home is both an exciting and daunting life experience. We appreciate and value our relationship with you and are focused on retaining your business and we will look at what our best interest rate offer is for you. Check out our new business acquisition specials. T&C apply.



We like to get straight to the point.

You can read the above and many more on other brokers' and banks' websites.

Jul 2nd, 2018
INTEREST? Oh, you mean FEES!

  Let us number crunch for a hypothetical no interest credit card with a limit of $1,000 and a $10 per month fee (aka an interest payment) for non-zero balances with a $35 monthly repayment and express this as an amortised loan (to calculate the implied interest rate). Based on the $1...


  We believe that our mortgage brokering clients deserve support and professional advice when purchasing property. Buyers’ Agents usually charge as much as real estate agents do, and most people cannot afford their services. Negotiating with real estate agents and bidding at re...

The great divide

The Australian Securities and Investment Commission released their updated RG209 guidelines for all credit licensees (banks, mortgage brokers, finance companies, etc). This is the most astonishing example ASIC gave on how a lender can meet their Responsible Lending Obligations of the National Con...

Here we go again – if you are ripped off …

  Refinance. Only if it was as simple as anyone that wants to grep a media headline tells us to – yes you guest it – refinance.   The biggest hurdle is … wait for it … affordability, i.e. are you able to pass the lenders’ post Royal Commission scrut...

Loyalty Tax

  Now that we had three Reserve Bank interest rates cuts in June, July and October 2019 and banks have not passed in full the Reserve Bank cuts, the topic of the "Loyalty Tax" has surfaced.   Withhold some of the Reserve Bank rate cuts for existing loyal customers but of...

Best Interest Duty

The Morrison Liberal government’s proposed Consumer Credit Protection Amendment (Mortgage Brokers) Bill 2019 contains a new best interests duty obligation on mortgage brokers but not on lenders.   The application of this test would require mortgage brokers to ensure their conduct me...

Need Some Assistance?

  ‘Need some assistance? Speak to a Mortgage Broker’ the ad boasted.   But the best part of the ad was 'Access 3,000+ loans from over 20 lenders.'   A simple arithmetic calculation equates to an average of 150 loans per lender.   Now this...

Whinging Mortgage Brokers

Recently, there has been a lot of extra whinging from numerous mortgage brokers that the time and effort required to prepare a loan application has increased, and wait for it, wait … it is eating into their profitability.   They sight noticeable differences in the way home loans ar...

Did they not think that APRA has the last say?

On Thursday, 20 June 2019 Westpac made a bold move to reduce their serviceability assessment rate from 7.25% to 6.50% for first home buyers. APRA set a floor of 7.00% in December 2004. Late Thursday night, Westpac made an abrupt about-face back flip after incurring the prudential regulator&#39...

Responsible Lending – ASIC, Westpac and The Federal Court

The Federal Court of Australia, New South Wales | NSD293/2017 | Australian Securities & Investment Commission v Westpac Banking Corporation ACN 007 457 141.   In an opening submission on Monday, 6 May 2019 barrister for ASIC, Jeremy Clarke, SC, alleged that Westpac breached responsibl...