Australia-wide mortgage broker. Compare 35+ lenders for home, investment & commercial loans.
We’re an Australia-wide mortgage broker that compares 35+ lenders, structures your loan properly, and keeps challenging your rate every year. No broker fee on standard home loans.
Calculators are a guide only and do not constitute loan approval or personal advice. Final pricing requires a full application and lender approval.
Meet your broker
David Warburton, mortgage & finance broker – Australia-wide. Member: FBAA. Lender panel via VOW / Yellow Brick Road (35+ lenders). We don’t charge a broker fee on standard home loans. We structure your loan properly, then keep challenging your rate so savings compound.
- Home, investment & commercial lending
- Clear policy guidance; clean execution
- Same-day call-back; practical next steps
How we’re paid: for standard home loans, the lender pays us after settlement (no broker fee to you). We’ll disclose commissions and compare options fairly. You’ll see the “why” behind the lender/product we recommend — assessment rate, valuation risk, cash-out rules, timeline and long-term structure.
Goal: a loan that suits your life (today and tomorrow) — with buffers, splits and offset set up right from day one.
We compare 35+ lenders
Updated twice weekly (Wed AM & Fri PM)Logos/colours are illustrative; we work with many more lenders via the VOW/YBR aggregation platform.
Recognised for client outcomes
5.0 ★ average reviews and ongoing recognition for clear advice, clean execution and long-term client results.
What we help with
First-home buyers
Deposit paths from 5–20%, genuine-savings rules, FHBG/FHOG and timelines that actually meet contract dates. We coordinate with your conveyancer and help you avoid contract, valuation and approval timing traps so you can buy with confidence.
Property investors
Cash-flow and buffers first. IO pricing, rent shading, equity strategy and a structure that works for the next purchase. We map how each loan impacts your future borrowing capacity so you can keep growing the portfolio without boxing yourself in.
Refinance
Sharper pricing + better structure. Keep repayments unchanged to grow buffers faster if that suits your plan. We weigh up cashback, exit fees and long-term flexibility so you only move when the numbers and policy truly stack up.
Commercial property
Clear policy on LVR, DSCR and lease terms. From owner-occupied to investment, simple to complex deals. We match lenders to your lease profile and strategy so you aren’t surprised by covenants, review clauses or valuation assumptions.
Equipment & asset finance
Chattel mortgage, lease or hire-purchase; clean documentation and fast settlement for business-critical assets. We structure terms and residuals around cash-flow so the gear pays for itself without stretching your working capital.
Tiny home finance
Specialist policies and practical structures for tiny homes — clear approvals with realistic timelines. We help you navigate lender appetite, security type and site setup so your tiny home project is bankable from day one.
Rate review & repricing
We challenge your rate annually. If policy or service times change, we’ll move you when it truly stacks up. We start by pushing your current lender, then show you the numbers if a switch offers better long-term savings or structure.
Business & franchise lending
Working capital, fit-out, vehicles & more. We align lending to your cash-flow and expansion plan. That means sensible covenants, realistic projections and a lender that actually understands how your business or franchise operates.
Free mortgage broker (no upfront fee)
How it works, who pays us, and how we compare 35+ lenders for home and investment loans — with Best Interests Duty.
Recent outcomes
Melbourne family — refinance + restructure
Swapped to a sharper lender and split the loan for buffers and renovations. Kept repayments steady to grow offset faster.
Geelong investor — equity & next purchase
Clean valuation, interest-only priced fairly, equity released for the next purchase with a clear cash-flow model.
Ballarat upgrader — buy, sell & renovate
Coordinated timing, valuation buffers and a renovation split so the project ran to plan without cash-flow stress.
How your Rate Challenge works
Quick discovery call
We clarify your goals, timelines and any non-negotiables — then outline what’s realistic with your income, deposit and debts.
Numbers & policy check
We run your numbers against 35+ lenders, flag policy traps early and map 2–3 structures that could suit your next move.
Recommendation & approval plan
You see a clear comparison of options — rate, fees, structure and timelines — then choose the path that best fits your plans.
Application & settlement
We handle the paperwork, valuations and lender follow-ups, keeping you and your conveyancer updated through to settlement.
Ongoing “rate challenge”
After settlement we keep checking your rate and structure, so you stay competitive as offers, policies and your life change.
What clients say
Read more on our Google Business Profile.
Plan with real numbers
Rate Review Calculator
See if repricing or a refinance could move the needle. Ideal if your loan is 6+ months old and you’re wondering whether to push your current lender or explore sharper offers.
Max Borrowing Calculator
Indicative capacity and buffers, in minutes. Perfect before you start attending opens so you know your true price range and don’t overcommit.
Mortgage Repayment Calculator
Repayments at different rates and terms — simple, clear. Great for stress-testing higher interest rates and finding a repayment level that fits your lifestyle.
First-Home Buyer Scheme Calculator
Check eligibility and realistic deposit paths. Use it to compare going in with a smaller deposit under a scheme vs waiting to save more.
Rentvesting Calculator
Side-by-side: rent where you live vs buy to invest. Helpful if you want lifestyle flexibility now while still building a property portfolio.
Property Investment Calculator
Cash-flow, sensitivity and buffers in one place. Designed for investors planning the next purchase or reviewing how current properties perform under different rates.
Home-Loan Guide
Plain-English steps, from pre-approval to settlement. Ideal pre-reading before your first broker meeting so you can ask sharper, more practical questions.
First-Home Buyer Guide
Deposit options, LMI, and timelines that actually work. Use it to map out your saving plan, likely schemes and a realistic date to be “purchase ready”.
Rentvesting Guide
What, why and how — the clear-headed version. Handy if you’re weighing rentvesting against buying your own home first and want a balanced view of pros and cons.
Quick answers
How quickly can I get a real pre-approval?
For clean PAYG files, some lenders verify within a few days; others quote a week or more. We’ll choose the lender based on both rate and turnaround. The goal is a pre-approval that’s genuinely verified — not a soft “system tick” — so you can sign with confidence and meet contract dates.
Is refinancing worth it if my rate isn’t terrible?
Often yes, because structure matters as much as price. We’ll test repricing with your current lender and compare alternatives, then set up splits/offset to grow buffers. Many clients keep repayments the same after a reduction, building safety faster without changing day-to-day spending.
How much deposit do I really need?
There isn’t one perfect number. We’ll map options from 5–20% deposits, explain LMI and where genuine-savings rules apply. If timing is tight, we’ll align policy choice and valuation buffers so your contract dates are comfortable and cash-flow stays sane.
Building or renovating — how do construction loans work?
You’ll have a fixed-price contract, staged progress payments and lender valuations before/during the build. We pick banks that handle construction cleanly, set timelines that won’t delay slab/frame, and structure a renovation split so interest doesn’t bite while trades get moving.
Variable vs fixed — what are people choosing?
Owner-occupiers lean variable for flexibility and offset; investors often use short fixed periods to stabilise cash-flow while improving a property. We’ll model both with your numbers so you can see how buffers build and what you give up in flexibility or certainty.
Do your calculators affect my credit score?
No — they’re guides only. Use them to pressure-test repayments, buffers and timelines. When you’re ready, we’ll collect documents once and run a proper assessment so you aren’t shotgunning applications and accumulating unnecessary credit enquiries.
What makes Rate Challenge different?
Straight advice, clean execution and ongoing “rate challenge.” We don’t disappear after settlement; we keep lenders honest and adjust strategy as your life changes. No broker fee on standard home loans, and we’ll show the “why” behind every recommendation.
How are brokers paid — and do you disclose commissions?
For standard home loans, lenders pay us after settlement. We disclose commissions and compare options fairly. If a structure is cheaper but harder to execute, we’ll tell you plainly and explain the trade-offs so you can decide with clear eyes.