Mortgage Broker Brisbane

At Hunter Galloway our motto is simple, “Clients Come First.” Whether you’re a first home buyer, or an experienced investor looking to expand your portfolio you can rest easy knowing that our team of local and experienced mortgage brokers in Brisbane will work around the clock to get you a deal that works for you.
Our team of expert mortgage brokers are based in Brisbane, our Directors Nathan and Joshua Vecchio have worked in the finance industry for many years having started at some of Australia’s largest banks. Their combined experience means that advice given is suited to your personal circumstances.
Our commitment to transparency and communication means help is only a phone call away – and if you can’t reach us, we promise get back to you within 4 business hours.
mortgage broker brisbane

The Hunter Galloway Mortgage Broker Brisbane team

Don’t risk having your home loan declined 

Did you know that over 40% of home loan applications that get submitted never make it to settlement? Don’t take that risk. 
Our brokers have seen all sorts of mistakes in the past! With their level of experience they know problems you may face on your loan application and how to mitigate them when applying with a specific bank or lender. We have a wide range of lenders on our panel and our brokers intimately understand their credit policies.
We can do this through our own internal credit assessment process which we complete before applying with any lender. Our team has its own internal Credit Manager who reviews each application before being submitted to the lenders, meaning we won’t apply with a lender who won’t approve your loan.

Why do I need a broker if I can get a loan through my bank?

We take extra time up front to go through your full situation and provide a complete lending solution.
You might have a situation where your bank will approve a loan for you to buy a block of land and then not approve the construction loan when its time to construct a house on it!
Our brokers will look at your needs now and into the future, to make sure you have the best possible loan that looks after al of your needs.

How much does it cost to use a broker, and your services?

Our services are completely free for all home and investment loans. We get paid by the lenders for doing the work, collating your loan application and meeting with you that otherwise would be done by a bank manager or branch lender so you get access to the same rates as if you went to the lender directly.
The advantage for you is that unlike when dealing with one bank, we can help you work with a wider variety of lenders and get the best options that work for you choosing from our panel of over 30 banks and lenders!

How do brokers get paid? 

Mortgage brokers in Brisbane get paid commissions from the banks, we do the same work the branch manager would do in putting together your loan application – except we are invested in your loan application and will work very hard to get it approved, as well as provide incredible service.
As our team at Hunter Galloway are mortgage broking and credit experts we can answer all of your questions instead of directing you to another department.

Our reputation and achievements 

We have built a brilliant reputation of being extremely well organised, helpful and making the home loan process as smooth as possible.
Some of our achievements include:
  • Finance Brokers Association of Australia Broker of the Year 2017 (Queensland)
  • Vow Financial Rising Star of the Year 2016 (Queensland)
  • Bankwest New Support of the Year 2015
  • Finalists at the Australian Mortgage Broker awards in 2017.
  • Our Director Nathan Vecchio was named in The Adviser’s Top 5 Brokers in Australia under 30 for 2017
  • Regularly featured in The Adviser, Mortgage Professionals of Australia and other mortgage industry publications.

Director Nathan Vecchio receiving his Broker of the Year award. 

FBAA & Credit and Investments Ombudsman Membership 

As members of the Financial Brokers Association of Australia (FBAA) and the Credit and Investments Ombudsman (CIO) we must uphold the highest level of excellence when helping clients with their finances. The members of each organisation must meet a minimum standard in experience, education and ongoing training to maintain membership each year and as active members we commit to upholding these standards, ensuring we maintain their high levels of compliance, integrity and professionalism with all of our mortgage clients.

What types of customers do you help?

Our mission is to make your home loan application effortless. We always work towards building a strong and personal relationship with every one of our clients and will work tirelessly to find the right home loan for you. Your mortgage is a lifelong commitment, and so is our commitment to you.

How difficult is a home loan application? 

Did you know that most home loan applications can be touched by at least 20 different companies? Banks, solicitors, valuers, different online systems, the list goes on!
Before you start talking to your bank you have your mortgage broker, their aggregator and software provider – just to prepare and lodge your application!
When your file reaches the bank’s system they will instruct a valuation management company, like Valex or VMS who then instruct subcontracting valuers to inspect the company, as well as obtain a copy of your  credit report from the credit reporting bureau.
If you have less than a 20% deposit (or are borrowing more than 80% of the properties value) then the bank will also need to get approval for your loan from the mortgage insurers – who have the final say on the application.
Once your loan has been approved the banks often use solicitors to prepare the loan offer and contracts, as well a seperate settlement agent to arranger cheques and fund your loan.
We help cut out all the noise in the process, we deal with the banks and third parties on your behalf – and always keep you in the loop.

Valuation issues & credit scores 

One of the most common issues we see is with valuations, and shortfalls which can ultimately stop your property journey before it even begins. We can order free up front valuations with many of our lenders, meaning we can find out what your bank thinks your property is worth way before applying with them.
From experience we know that ordering a valuation prior to applying for a home loan makes sure your credit file doesn’t get damaged from having multiple enquiries.
We can provide free valuations and also a copy of your credit file so you know where you stand way before applying for a loan with the banks!
mortgage broker brisbane

“Shortfalls which can ultimately stop your property journey before it even begins” Hunter Galloway Mortgage Broker Brisbane

Complex Credit Policy Pitfalls 

Each lender and bank in Australia has a unique credit policy, meaning while some will accept your full income, others may not allow it due to their policy.
Quite often bank policy can be set in stone, and due to the complexity bank staff quite honestly don’t know it nor do many mortgage broker Brisbane. They are not familiar with complex situations and how to correctly assess them. This can sometimes cause it to take quite a long time to process your application and even in some instances mean your loan will get declined for no good reason.
With banks making their policies more and more complex it becomes more important to correctly package, and asses your application before it is even lodged with the bank – showing the banks all of the strengths of your home loan application and making sure it fits all of their policies.
At Hunter Galloway we have our own in house credit team and we make sure your application is going to fit with the bank each time.

Why should I use a mortgage broker in Brisbane? 

The best mortgage brokers can help you through their intimate knowledge of credit policy, making the home loan process quick, easy and stress free.
We work with a wide range of borrowers, from first home owners, experienced property investors to medical professionals helping them find the best deal.
Through our intimate bank credit knowledge we can find ‘secret’ policy exceptions to get approvals for applications that would normally get declined, including no deposit guarantor home loans and unusual employment loans.
We also have very strong relationships with the credit teams and key staff at the banks meaning we are also in a good position to get the very best interest rates for you. Often this means cheaper variable or fixed interest rates, or rebates from the bank to cover the costs to refinance your loan.

Would you like to speak with a broker? 

Hunter Galloway are an Award Winning Mortgage Broker based in Brisbane. We help clients from our local area, Australia, and all over the world. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality.
With so many different criteria across lenders, it is hard to know which lender to go to for your loan. Luckily, Hunter Galloway has the knowledge and experience to find the right lender and get your loan approved. If you’d like to maximise your borrowing capacity then call us or book a free assessment.

Contact Us

 

We are passionate about finance and that’s what sets us apart from other brokers!

With a variety of experience within home loans, finance, property, rentals and more, we take your finances very seriously and aim to give you great experience from the very first point of contact. We do all of the hard work for you so that you can have your finance portfolio set up, seamlessly.

Our services are offered at no cost which means that we can truly put your needs first and make sure that the most beneficial outcome is given to you.

Chat to our mortgage broker Brisbane team today for more information about how we can sort out your property portfolio.

Contact us here or call us on 1300 088 065 now!

Brilliant service. Nathan and the team were referred to me from a friend who had used them in the past. I had been let down by my previous mortgage broker who made lots of promises but never delivered - but not Nathan and the team at Hunter Galloway. I'm so impressed by their quick service and so happy with my new home I have been telling all of my friends and family about them! Thanks again
Wallace Wells
Wallace Wells
04:44 31 Jan 18
I would recommend Nathan team to everyone. They are very professional and efficient. I previously had unpleasant experience when dealt with bank directly. Lucky, found Nathan, Josh and Jared just on time. Through them, bank even offered the loan more than I need. I could not settle this investment without Nathan's help! Thank you very much!
Jessie Zhang
Jessie Zhang
02:49 04 Jan 18
These gentlemen came recommended and I was genuinely impressed; the personalized service and very rapid reply to queries and constant updates was impressive as well as the ease with which they performed all the necessary work. They are very thorough and whilst collating paperwork is never much fun, they make it easy and explain why having all in place first is the best method. They negotiated firmly with various Lenders and delivered as promised with nothing being too hard and chasing up other people on our behalf. Highly recommended and will use them again and this is a genuine honest review at my discretion. Very impressed!
Charles Phillis
Charles Phillis
04:37 03 Jan 18
Nathan and Joshua have processed and got approved my First Home Loan within one Business working day. That’s an incredible turnaround time during Christmas beak which shows they are the Best and Top most Mortgage Broker.I have gone with a large franchisee based Mortgage Broker initially and was not happy with the way they processed my application. Then went to Hunter Galloway based on my friend’s reference and found the following as their key differentiation1. Hunter Galloway has a very specialized framework and process to prepare your application.2. They have their own dedicated team who works on your application to the degree that almost Bank will not ask any questions on your application. Their attention to detail is the key.3. They have very niche skills and expertise on picking the right lender for you based on your needs.4. They have a team with highly skilled people. This showed to me that size doesn’t matter and it is the quality of people who makes the difference.My recommendation is to go with Hunter Galloway first for any loan needs as they care for you and your success.
Ram v
Ram v
22:11 21 Dec 17
Without doubt some of the best customer service I have experienced across any industry. Hunter Galloway provided consistent communication throughout the loan process, nothing was a problem for them and they have a real can do attitude.My mortgage was not your typical simple loan; it required a lot of attention and out of the box thinking. All of this was provided by the team. Both Nathan and Josh worked tirelessly to get the result and outcome that I needed. They are incredibly personable, professional and a joy to work with.I would highly recommend Hunter Galloway for any lending requirements. I will certainly be using them for future loans.
Michael Cooper
Michael Cooper
07:31 11 Dec 17
I was recommended to use Nathan and Josh and as a first home buyer I found they were fantastic in helping me understand the process and the loans available. Really appreciate all their help along the way and will be recommending them to family and friends myself.
Renata Belperio
Renata Belperio
07:49 02 Nov 17
I have dealt with Nathan and Josh on many transactions both personally and in business. Their communication, customer focus and "get it done" approach ensured that all transactions proceeded smoothly without surprises. I would and have recommended Nathan and Josh to many of my family and friends.
Ivan Orola
Ivan Orola
09:53 12 Oct 17
After weeks of unsuccessful negotiations directly with the bank, we were exceptionally pleased with the services provided by Nathan and the team at HG. They managed full home loan approval in less than 1 week. HG presented us with an extremely competitive home loan rate. I wouldn't hesitate to recommend the HG team.
Nellie Louise
Nellie Louise
00:11 04 Oct 17
Nathan helped me threw a very long process of refinancing my home loan to get the best deal possible that suited my needs. I had to refinance after a separation which involved a lot of back and forward between my old bank who offered me nothing, solicitors and with Nathan he was very patient, understanding and was so supportive all the way and continues to be there.Highly recommended and will be using Nathan again in the future and telling family and friendsRegards Kerry
Kerry D
Kerry D
02:59 08 Sep 17
Nathan was amazing. Very helpful and professional and got me a great loan despite a challenging situation. Thank you so much Nathan. Love my new home. Thanks for making it happen for us.
Leonne Lewis
Leonne Lewis
02:15 14 Jul 17
I'd go 6 stars if I could! My experience with Josh has been nothing less than superb. I am a new home buyer who knows very little about the whole process and was very vulnerable. Josh not only did not take advantage of that, but had patiently nurtured me, supported me, and of course, offered the utmost professional service to find a home loan option that is the best for me.Not only so, he carried me throughout this whole journey, and I know this relationship will last, as I know he will be there for me even after this loan. Because for any further loan needs, he's my first and only man to go to.Highly recommended!
Brendan Chen
Brendan Chen
13:14 06 Jul 17
Nathan and the Team helped my Wife and I purchase our second investment property. We had many questions and were even interstate and out of reach during work hours for the majority of the process. The guys at Hunter Galloway worked around the clock to get us the best deal on a schedule that worked for us.I am more than happy to have worked with these professionals and will definitely use them in future to purchase more investments.Nick and Ash
Nick Buckland
Nick Buckland
09:13 03 Jul 17
Such an extraordinary service! Nathan was very professional and very responsive. Answering all my questions promptly and knowledgeably in many different issues considering my situation was the most outstanding work Nathan had assisted. I would definitely highly recommend his service to family and friends. An extended service that a client needs from the start of the process, finish and even continuous for any future plans. Their continuity of service makes it all difference to others.
Marifaith Enguito
Marifaith Enguito
21:12 26 Jun 17
Amazing service, very knowledgeable and professional. Thanks to Hunter Galloway we have been able to build our dream home. Highly recommended and will continue to recommend to friends and family .
Nicole Harman
Nicole Harman
02:23 22 Jun 17
Excellent service. Both Nathan and Joshua were very honest and very helpful. Highly recommend them.
Ineshma Sahay
Ineshma Sahay
04:03 16 Jun 17
Having used other brokers in the past. I am annoyed I didn't know about these guys earlier haha. I received nothing short of fantastic dedicated service tailored to my needs/situation, who cared about me and what the best solution and structure was, rather then get me to fit into a generic product that makes their life easy or most beneficial like other brokers.Thanks again guys!
Adam Haddad
Adam Haddad
00:03 02 Jun 17
We had Josh recommended to us by our financial adviser, at first I was skeptical to get in contact as we had a previous experience years before with another broker that was not the best. Completely different experience with Josh; we could not be happier; we have now refinanced with him two times and both have been stress free and uncomplicated. (from our experience anyway) The best thing about the experience was that we never felt badgered and the level of communication was just right and always timely. Highly recommended 5 stars....tell your friends.
wyndham thomas
wyndham thomas
08:37 31 May 17
Great knowledge and cuts straight to the chase, a wonderfully helpful service which is much appreciated. answered all my queries promptly and so I could understand.
Rochelle Harmer
Rochelle Harmer
10:48 16 May 17
Joshua Vecchio helped in processing my home loan, right from pre-approval stage to final approval and until settlement is done. He has provided an amazing customer service throughout the process by providing right information, answering all my queries patiently and proactively informing me on my home loan application status as it passes each stage. I’ve been highly recommending Josh to my friends for home-loans and re-financing.Josh I can’t thank you enough for the support you have provided with my home loan.
Shyam yanati
Shyam yanati
12:12 06 May 17
Joshua is a very competent broker who has a strong understanding of the available products and provided me with sound advice. He's extremely responsive and helped solved many issues proactively. He is highly recommended.
Jasmyin Tay
Jasmyin Tay
08:01 30 Apr 17
I fortunately came across Joshua and Nathan's team through my awesome property manager Tony Charlesworth who runs Personalised Property Sales, and this was just by luck from me googling some random managers. I've definitely hit the jackpot with the both of them.Tony mentioned he was really pleased with the service they've provided him so I put it forward to my husband who had a few other brokers he was researching. From the moment we spoke over the phone I knew in my gut that these would be the guys that will help us through the convoluted world of property, banks, loans etc We want to build our property portfolio to work towards financial freedom and we felt 100% confident when sitting down with Nathan as he was reviewing our file and showing us his expertise in this area. He is one of the few professionals I have come across that is more than willing to share all of his knowledge and education to help us better understand what we're doing.Far too many vendors are more than happy to grab your business, keep correspondence short and brief then be done with you once they feel they've accomplished what they have set out to.Hunter Galloway want to build relationships and are happy to see you through your property journey if this is the path you choose.They have a good range of lenders and will look for the best and most practical deal for you and plan to review your file down the track to make sure this plan is still working for you.He touched base all through out the process of us purchasing our second property with updates, even post settlement he'd sent us a hand written thank you card! Not once did we have to follow up with him as he was constantly on the ball.My husband and I highly recommend these guys. Please share with your friends, family and colleagues.Thank you very much for your assistance and we hope to be able to purchase more property through your team.
Samantha Buckley
Samantha Buckley
11:43 28 Mar 17
Dealing with Joshua was great. He was always helpful and nothing was a drama. Would recommend him to anyone.
Adam Dippelsmann
Adam Dippelsmann
06:19 28 Feb 17
Very patient, creative professional. he was prompt in delivering outcomes. always exceeded expectations. new age customer focussed advisor. i have already been back to Josh with more business.
Vathsala Giridharan
Vathsala Giridharan
00:53 09 Apr 16
Where to begin... If you're looking for the absolute best experience, don't look any further. Hunter Galloway team really knows what is important and their passion is evident in their work. A massive source of knowledge and experience, these guys know what they're doing!
Carlos Natale
Carlos Natale
23:44 18 Mar 16
Josh facilitated the entire process of finding the most suitable rate and loan for my development project. He was professional, reliable and attentive. Thank you so much for making it so effortless. Would highly recommend Josh and Hunter Galloway to anyone.
Elliot Ritchie
Elliot Ritchie
10:44 17 Mar 16
We met Josh to start our journey in purchasing our first home and were very impressed. He was very well prepared, listened to our plans for the future and presented information on a number of options to suit our needs and aspirations. Josh is very experienced, highly knowledgeable and I'd highly recommend him to anybody!
Grace Polong
Grace Polong
10:02 17 Mar 16
Absolutely fantastic service and great, knowledgeable, and helpful staff. From the moment I had my first phone call, I knew that I was going to be taken care of. Thank you for the your kindness and your professionalism, it made the entire process so much easier and enjoyable. I would gladly recommend and do business with Joshua at HunterGalloway again!
Giulian Ferranti
Giulian Ferranti
09:52 17 Mar 16