One person in your corner, with the whole market behind them.

Q: Why use a mortgage broker instead of going to my bank?

A bank can only offer its own products. A broker compares loans from many lenders, SCF Brokerage has access to 20+, and is legally required to act in your best interests. Over 70% of Australians arranging home finance now use a broker.

Q: How do mortgage brokers get paid?

Brokers are paid a commission by the lender when a loan settles. The service is free to the client, and the best-interests duty means the recommendation must suit the borrower, not the commission.

Q: Is a broker's loan more expensive to make up for the commission?

No. You pay the lender's advertised (or negotiated) rate, often better than advertised, because brokers know which lenders are hungry and can negotiate. The commission comes from the lender's margin, not your pocket.

Arranging your largest-ever financial transaction is a huge undertaking. Here's why over 70% of Australians now put a broker between themselves and the banks.

Book a free chat Call 1300 718 852

A mortgage broker compares loans from many lenders (SCF Brokerage has 20+ on panel), is legally required to act in your best interests, and costs you nothing, the lender pays on settlement. Going direct to a bank gets you one lender's products; a broker gets you the market.

The numbers

More than 70% of Australians now choose a broker.

And that market share grows every year. At SCF Brokerage we navigate the process end to end and match you with the lender and loan that's right for you, with access to over 20 lenders, you get the best options for your financial situation and individual circumstances.

Our team has many years of industry experience and is required to always act in our customers' best interests, which gives you peace of mind. And our service is at zero cost to you.

70%+of Australian home finance is now broker-arranged

20+lenders on the SCF Brokerage panel

Client-focused & solution-led

We start with your situation, not a product list. No two clients get the same answer.

No loyalty to any lender

The best fit wins. If your own bank is genuinely the best option, that's what we'll tell you.

Highly skilled & local

Qualified, experienced and based in Rockhampton, with clients right across Australia.

FAQs

Broker questions, answered.

Why use a mortgage broker instead of going to my bank?

Your bank can only offer its own products. A broker compares loans from many lenders, we have access to more than 20, with no loyalty to any single one. And unlike a bank, a broker is legally required to act in your best interests. It's why over 70% of Australians arranging home finance now choose a broker.

How do mortgage brokers get paid?

We're paid a commission by the lender when your loan settles, our service costs you nothing. The best-interests duty means our recommendation must suit you, not the commission.

Is a broker's loan more expensive to make up for the commission?

No. You pay the lender's advertised, often better-than-advertised, rate, because brokers know which lenders are sharpening their pencils and can negotiate. The commission comes from the lender's marketing budget, not your pocket.

Let’s find the loan that fits your life.

Book a free, no-obligation chat. We’ll look at where you’re at and map out your options, at no cost to you.

Start your enquiry Call 1300 718 852