Our mortgage brokers are working throughout the coronavirus and are available to give you a free assessment. Contact Us or call 1300 088 065

Award winning Mortgage Broker in Brisbane

Improve your chances of getting a loan with an award winning mortgage broker.
We have one of the highest loan approval rates in the country

Find out your chances of getting a loan

We promise to get back to you within 4 business hours

Our reputation and achievements

Market average rejection rate is 40%, our rejection rate is 3%
Approximately 40% of home loan applications were rejected in December 2018 based on a survey of 52,000 households completed by 'DigitalFinance Analytics DFA'. In 2017 to 2018 Hunter Galloway submitted 342 home loan applications and had 8 applications rejected, giving a 2.33% rejection rate.
2019 Mortgage Broker of the Year

Don’t risk having your home loan declined

Did you know that over
40%
Approximately 40% of home loan applications were rejected in December 2018 based on a survey of 52,000 households completed by 'DigitalFinance Analytics DFA'. In 2017 to 2018 Hunter Galloway submitted 342 home loan applications and had 8 applications rejected, giving a 2.33% rejection rate.
of home loan applications that get submitted never make it to settlement? 
Don’t take that risk.
  • We know the banks inside out

    Our brokers have seen all sorts of mistakes in the past! With their level of experience, they know the 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.

  • Reducing risk of rejection

    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.

manager
Why Choose Hunter Galloway As
Your Mortgage Broker?
One of the lowest rejection rates
across Mortgage Brokers
 in Australia
The highest rated and most reviewed
Mortgage Broker in Brisbane
 on Google
We have direct access to 30+ banks and lenders
across Australia

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

Just compare these two options when applying for a loan

Get a Loan with Hunter Galloway

  • We take extra time up front to go through your full situation and provide a complete lending solution.
  • Our brokers will look at your needs now and into the future, to make sure you have the best possible loan that looks after all of your needs.
  • A mortgage broker acts on your behalf to arrange a home loan through a bank or lender. Australian banks and lenders have different policies and loan requirements, and it is a brokers job to find a loan from one of these parties that fit with your individual situation.

Applying directly to a lender

  • 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!
  • 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 brokers 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.

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. This work would otherwise 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!

Would you like to learn about your situation?

How difficult is a home loan application?

The process of getting a home loan

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! 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.

1

Before you start talking to your bank you have your mortgage broker, their aggregator and software provider – just to prepare and lodge your application!

2

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.

3

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.

4

Once your loan has been approved the banks often use solicitors to prepare the loan offer and contracts, as well a separate settlement agent to arranger cheques and fund your loan.

Google reviews of our customers

Hunter Galloway Mortgage Brokers have helped hundreds of home owners.

We have built a brilliant reputation for being extremely well organised, helpful and making the home loan process as smooth as possible

user
star star star star star

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.

Reynold

3 weeks ago

user
star star star star star

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. Very impressed!

Charles Phillis

3 weeks ago

user
star star star star star

Thank you so much to Nathan, Josh, Jared and the team for everything that they did for us in the process of buying our ... first house. They truly made it a seamless process. The team were always so on top of everything and kept us in the loop every step of the way. We will recommend Hunter Galloway to everyone we know! Thanks again boys!

Melissa Allison

3 weeks ago

user
star star star star star

We had a really great experience with Nathan from Hunter Galloway. Would definitely recommend him ... to anyone who is looking for a finance broker. He certainly knows his stuff, and his constant communication during the loan approval process was incredible.

Bianca Smith

3 weeks ago

user
star star star star star

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!

Jessie Zhang

3 weeks ago

user
star star star star star

After being stuffed around for over two weeks by another broker - got in touch with Nathan and ... had a first-home loan approval within 48 hours of speaking with him. First-class customer service and demonstrated wealth of experience. Can't recommend Hunter Galloway enough.

Irene Diocares

3 weeks ago

Lenders on our panel

Westpac Bank
ANZ Bank
NAB
AMP
Adelaide Bank
FirstMac
Commonwealth Bank (CBA)
St George Mortgage Brokers
ING Direct
Home Loans
Macquarie Bank
Suncorp Bank
Pepper Money
ME Bank
Bankwest

Questions and Answers

Are you able to do virtual meetings?

Yes, our mortgage brokers can still 'face to face' meet you using Zoom Meeting or Google Hangouts, whichever is your preference. In our online meeting, we'll be able to go through your requirements and walk you through the home buying process.

Our mortgage brokers are working and are available during the coronavirus outbreak, so if you need any assistance with a home loan get in touch today.

What is a mortgage broker?

A mortgage broker is a consultant that can help you with finding a home loan, or mortgage usually from their panel of lenders. Once the right home loan has been selected, the mortgage broker will help you manage the home loan process, from initially signing the paperwork all the way until settlement.

What does a mortgage broker do?

A mortgage broker acts on your behalf to arrange a home loan through a bank or lender. Australian banks and lenders have different policies and loan requirements, and it is a brokers job to find a loan from one of these parties that fit with your individual situation.

Mortgage Brokers can help find the right home loan for any situation, from purchasing your first home to buying an investment property all the way to refinancing your mortgage to a better interest rate.

At Hunter Galloway we have access to over 30 different banks and lenders, giving you a wide range of home loan options to ensure we have a lender that can fit in with what you need.

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.

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.

We help all sorts of clients from across Brisbane, so get in touch with the team today to book a free assessment.

What is an Independent Mortgage Broker?

An Independent Mortgage Broker in Brisbane is someone that is not subjected to outside authority in other words, they should only be working under a fee for service model and not be paid commissions by the banks.

The majority of Mortgage and Finance Brokers across Australia are not technically independent, and it is fairly uncommon in Australia to have financially independent mortgage brokers because in the past they have proven to be financially unstable due to having a longer turn around time and very limited bank options.

Hunter Galloway is an independently owned Mortgage Broker, we use Connective Financial services as our aggregator who provide the latest technology and training to help find our customers the best finance options. We are not owned by a bank, and operate under the belief that clients come first, using our team of experts we will find the best finance solution for you.

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 a cheaper variable or fixed interest rates, or rebates from the bank to cover the costs to refinance your loan.

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.

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 upfront 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!

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 assess 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.

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.

Mortgage Broker Brisbane

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 to get back to you within 4 business hours.

Mortgage Broker Brisbane

Our reputation and achievements 

We have built a brilliant reputation for being extremely well organised, helpful and making the home loan process as smooth as possible.

Some of our achievements include:

  • ✅ Better Business Awards Mortgage Broker of the Year 2019
  • ✅ Better Business Awards Best Residential Broker 2019
  • ✅ The Adviser Top 25 Brokerage 2019
  • ✅ Finance Brokers Association of Australia National Finance Broker of the Year 2018
  • ✅ Finance Brokers Association of Australia Broker of the Year 2018 (Queensland)
  • ✅ Finance Brokers Association of Australia National Finance Broker of the Year 2017
  • ✅ Finance Brokers Association of Australia Broker of the Year 2017 (Commercial)
  • ✅ 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 AdviserMortgage Professionals of Australia and other mortgage industry publications.

mortgage broker reviews

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 all of your needs.

What is a mortgage broker?

A mortgage broker is a consultant that can help you with finding a home loan, or mortgage usually from their panel of lenders. Once the right home loan has been selected, the mortgage broker will help you manage the home loan process, from initially signing the paperwork all the way until settlement.

What does a mortgage broker do?

A mortgage broker acts on your behalf to arrange a home loan through a bank or lender. Australian banks and lenders have different policies and loan requirements, and it is a brokers job to find a loan from one of these parties that fit with your individual situation.

Mortgage Brokers can help find the right home loan for any situation, from purchasing your first home to buying an investment property all the way to refinancing your mortgage to a better interest rate.

At Hunter Galloway we have access to over 30 different banks and lenders, giving you a wide range of home loan options to ensure we have a lender that can fit in with what you need.

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.

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.

We help all sorts of clients from across Brisbane, so get in touch with the team today to book a free assessment.

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 separate 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 upfront 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

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.

What is an Independent Mortgage Broker?

An Independent Mortgage Broker in Brisbane is someone that is not subjected to outside authority in other words, they should only be working under a fee for service model and not be paid commissions by the banks.

The majority of Mortgage and Finance Brokers across Australia are not technically independent, and it is fairly uncommon in Australia to have financially independent mortgage brokers because in the past they have proven to be financially unstable due to having a longer turn around time and very limited bank options.

Hunter Galloway is an independently owned Mortgage Broker, we use Connective Financial services as our aggregator who provide the latest technology and training to help find our customers the best finance options. We are not owned by a bank, and operate under the belief that clients come first, using our team of experts we will find the best finance solution for you.

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 ownersexperienced 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 a cheaper variable or fixed interest rates, or rebates from the bank to cover the costs to refinance your loan.

Why choose us?

Our focus is on taking the stress out of the home loan process.

We are different from a lot of traditional mortgage brokers who are one person operations. With our team of experts, we help you navigate over 30 lenders, taking care of the details and finding a mortgage solution that works for you.

Hunter Galloway is also Brisbane’s best-reviewed Mortgage Brokers, with over 150 reviews across Google, Facebook and Product Review.

We also focus on giving back to the community, and last year raised over $10,000 for the Fred Hollows Foundation which helped thousands of people with much needed basic eye surgery.

mortgage broker