Mortgage Brokers For Australians
Use our free home-loan calculators to explore your deposit, buying costs, rent-versus-buy position and potential offset savings—then speak with a mortgage broker about suitable options and next steps.
Explore Property Costs
Compare Common Scenarios
Speak With A Mortgage Broker
Best Interests Duty · Free, No-Obligation First Chat
Two Simple Ways To Get Started
Start with the numbers yourself, or choose the conversation that best matches where you are in your home-loan journey.
Option 1 · Explore Yourself
Start With The Numbers
Use our free home-loan calculators to explore deposits, buying costs, rent versus buy and potential offset savings at your own pace.
Adrianna Rossi · Mortgage Broker
Book a consultation with a mortgage broker
Speak directly with Adrianna about your property goals, borrowing position and suitable next steps. She will keep the process clear and guide you from the first conversation through to settlement.
- Personal guidance based on your circumstances
- Clear explanations without pressure or confusing jargon
- Loan preparation, lender coordination and ongoing support
Explore Your Home Loan And Property Numbers
Choose a calculator below and enter your own figures. Results are indicative estimates designed to help you understand the questions worth exploring before you apply.
Why Choose 123 Financial Group?
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.
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.
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 Broker
Adrianna writes and manages your loan, keeps the process clear, and stays with you from the first conversation through to settlement.
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.
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.
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.
What to expect, Australia-wide
A finance structure that supports the bigger picture, not simply the next property purchase.
What to expect, Australia-wide
A broker who understands that a no from one lender does not always mean a no from every lender.
What to expect, Australia-wide
One point of contact to guide the process, chase the lender, and keep you updated through settlement.
What to expect, Australia-wide
Support that does not end when the loan settles—because your rate and circumstances can change.
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