We’re mortgage brokers, but not the boring kind! Think of us as your finance cheer squad 💃

We compare lenders, crunch the numbers, and create strategies so you can buy your first home, upgrade, invest, or refinance with confidence.

As Mortgage Brokers, we’re legally required to act in your best interests at all times. This means the advice and loan recommendations we give you are based on what’s right for you - not what pays us the most. Banks don’t have to follow this rule, but we do!

Yes! Self-employed lending is our jam.

We’ll work with your accountant (or help you find one) to make sure your income is presented in the best light.

Absolutely! Refinancing can save you big $$$. Whether it’s lowering your rate, unlocking equity, or just making your money work harder, we’ll give your finances a health check and see if there’s a smarter move.

It depends on your situation - some lenders require 20%, but there are options with as little as 5% (and even less for certain professionals or government schemes).

We’ll walk you through your options and make sure you know exactly what’s realistic for you.

Nope! Our service is free to you.

Mortgage Brokers are paid by the lender once your loan settles - that means we actually just work for you, not the banks.

While banks are super accessible, they can only offer their own products.

Brokers have access to a whole panel of lenders (including banks!) and can tailor the right loan structure for your goals. Plus, we handle the paperwork and negotiations so you don’t have to lose your sanity (or your Saturday).

We like to think of your document checklist like a recipe - but don’t worry, we’ll give you a checklist to keep it simple. These are the ingredients we need:

- ID (driver’s licence or passport)

- Income docs (payslips, tax returns if self-employed)

- Details of debts (credit cards, personal loans, HECS, etc.)

- A snapshot of your savings/spending

Pre-approvals usually take 1–2 weeks (sometimes faster). The full process from application to settlement can take anywhere from 4–8 weeks depending on the lender and your situation. We’ll keep you updated every step of the way!

If it involves lending, chances are we can help. Here’s a list of some of the clients we work with:

- First-home buyers 🏡

- Upgraders looking for their next place

- Investors building wealth

- Business owners needing commercial or equipment finance

We’re not about transactions, we’re about building relationships.

Once you’re part of the Collective, you’re family, and we’ll be here for your first home, your refinance, your investment property (…and your second, third, and fourth).

Yes! EB Finance Collective operates under Loan Market Pty Ltd ACL 390222

This ensures we meet strict compliance, ethical, and professional standards.

You’re in safe hands.