Mortgage Brokers For Australians

Mortgage Brokers Who Put You First

Your home loan, sorted by someone who is actually on your side. We compare suitable options, explain the trade-offs clearly, and handle the hard work through to settlement.
Mortgage Broker Guidance
Compare Suitable Loan Options
Support Through Settlement
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Best Interests Duty · Free, No-Obligation First Chat

Why Choose 123 Financial Group?

Home loan options explained clearly

Why Work With Mortgage Brokers?

Your bank can only show you its own products. Mortgage brokers compare suitable options across a lender panel and help you understand the rates, fees, features, and flexibility that matter for your situation.
Trusted mortgage broker providing guidance

Mortgage Brokers Are Legally Required to Put You First

Mortgage brokers work under a Best Interests Duty. That means our recommendations must be based on what is right for you—not a bank sales target or a one-size-fits-all offer.
Mortgage application support from start to finish

We Handle the Paperwork and Chasing

From borrowing capacity to the lender back-and-forth, application, and settlement, we keep the process moving and keep you informed—without you spending nights on hold or buried in forms.

Meet Your Mortgage Broking Team

Experienced finance professionals who keep the advice clear, the application moving, and you informed through to settlement.

Jennifer (Jen) Richardson

Founder and Director
Jen brings more than 30 years of financial-services experience to every conversation. She qualified as an accountant before expanding into financial planning, mortgage broking and money coaching, giving clients coordinated guidance across the bigger financial picture.
  • Mortgage broker, accountant, financial adviser and money coach
  • More than 30 years in financial services
  • Supports owner-occupied loans, investment lending, refinancing, bridging loans and residential home loans
  • Authorised Representative No. 1255457 of InterPrac Financial Planning
View Jen on LinkedIn

Adrianna Rossi

Client Services Manager — Administration and Loans
Adrianna is a key part of the Finance and Loans team, coordinating office operations, applications and client service so settlement deadlines stay on track and clients know what is happening at every stage.
  • Diploma of Finance and Mortgage Broking Management — FNS50315
  • Finance and loans administration
  • Application progress, settlement coordination and client updates
Email Adrianna

Fixed Rate or Variable Rate: What’s Best for Your Home Loan?

Jen Richardson explains the key differences between fixed and variable home-loan rates, so you can make a decision that suits your circumstances.

How It Works

Getting started is simple. Here is what to expect.
1

Have a Free Chat

Tell us where you are now and where you want to get to—buying your first home, refinancing, investing, or working through a more complex situation.
2

We Compare Suitable Options

We assess your borrowing position and compare loan options that fit your needs. You get the key pros, cons, costs, and trade-offs explained clearly.
3

Choose With Confidence

Once you are comfortable with the recommendation, we prepare the application and make sure you know exactly what happens next.
4

We Handle the Rest

We manage the lender, paperwork, and settlement process, then stay in your corner for future rate reviews and finance decisions.

Ready to find a home loan that actually fits your life?

Book your appointment today and get clarity on your financial future. No obligation, no pressure—just honest advice.

Book A Free Chat

Mortgage Broker Support for Every Stage

Practical mortgage-broker guidance built around your situation—not a one-size-fits-all bank process.
A clear explanation of what we can do, what you will need, and the next step—without pressure or confusing jargon.
First Home Buyers
What to expect, Australia-wide
A practical refinance review that looks beyond the headline rate and considers the fees, features, and overall cost of changing loans.
Homeowners Refinancing
What to expect, Australia-wide
A finance structure that supports the bigger picture, not simply the next property purchase.
Property Investors
What to expect, Australia-wide
A broker who understands that a no from one lender does not always mean a no from every lender.
Self-Employed Borrowers
What to expect, Australia-wide
One point of contact to guide the process, chase the lender, and keep you updated through settlement.
Busy Families
What to expect, Australia-wide
Support that does not end when the loan settles—because your rate and circumstances can change.
Existing Clients
What to expect, Australia-wide

Frequently Asked Questions

What do mortgage brokers do?
Mortgage brokers assess your borrowing position, compare suitable home-loan options from their lender panel, explain the trade-offs, and manage the application process with the chosen lender. They are also subject to a Best Interests Duty when making a recommendation.
Does using mortgage brokers cost me anything?
In many cases, mortgage brokers are paid by the lender when a loan settles, so there is typically no direct cost to you. If a fee may apply to your situation, we will explain it clearly before you decide to proceed.
How is this different from going straight to my bank?
Your bank can only offer its own products. We assess options from our lender panel and are legally required to act in your best interests, helping you compare the loan features and costs that matter to you.
Will applying for a home loan hurt my credit score?
We do the groundwork first. By understanding your position and identifying suitable lenders before an application is submitted, we aim to avoid unnecessary applications and enquiries.
Can you help if I have been knocked back before?
Often, yes. A decline from one lender is not automatically a decline everywhere. We can review what happened, understand your circumstances, and identify whether another lender’s policy may be a better fit.
Can you help first home buyers?
Yes. We break the process into clear steps, help you understand your borrowing position, explain loan choices, and flag relevant grants or schemes you may be eligible for.
Can you help with refinancing?
Yes. Whether your fixed rate is ending or you simply want to know if your current loan still suits you, we can review your options and manage the refinance process if a change makes sense.
Do you work with self-employed borrowers and investors?
Yes. These situations often need a more tailored approach. We can help you understand what documents are needed and find lending options that suit your income, structure, and long-term plan.
How long does the process take?
Timing depends on your circumstances, the lender, and the property or loan type. We keep the process moving, tell you what is needed at each stage, and keep you updated from application to settlement.

Mortgage Brokers vs. Going Direct to One Bank

Mortgage brokers can compare suitable options across a lender panel. A bank can only offer its own products.
Feature 123 Financial One Bank
Can Compare Products From Multiple Lenders ✓ ✗
Best Interests Duty Applies to the Recommendation ✓ ✗
Can Compare Lender Policies Before Applying ✓ ✗
Can Compare Rates, Fees & Features Side by Side ✓ ✗
Limited to One Lender’s Product Range ✗ ✓
Explains Loan Trade-Offs Before You Decide ✓ ✓
Application & Paperwork Support ✓ ✓
Settlement Support ✓ ✓
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Straight Answers. No Pressure.

Your first chat is free and there is no obligation to proceed. We will explain your options clearly, disclose any fees that may apply before you commit, and give you the space to make a decision that feels right for you.

Get In Touch

Connect with us by phone, email, or the form below.
Visit usSuite 24, Level 1, OTP House, 10 Bradford Close, Kotara NSW 2289
Call us02 4920 7886
Email usletschat@123financialgroup.com.au

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Talk to mortgage brokers who can make your next home-loan decision a whole lot simpler.

Book Your Free Chat

📞 Call 02 4920 7886