Mortgage Brokers
Compare local mortgage brokers and book online in seconds.
Mortgage brokers compare home loans across a panel of lenders and manage the application for you. In Australia they must hold an Australian Credit Licence from ASIC or act as a credit representative of a licensee, and since 2021 they have been legally required to act in your best interests when recommending home loans, a duty that does not apply to bank staff.
OneBookPlus makes it simple to book a first appointment with a broker, in person or by video, at a time that actually suits you. Profiles show specialties such as first home buyers, investors or self-employed borrowers, along with reviews, and every booking is confirmed instantly with reminders.
Mortgage Brokers
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List your business, freeHow to choose a good Mortgage Broker
- Verify the broker holds a credit licence or is a credit representative on ASIC's professional registers.
- Ask how many lenders sit on their panel; a larger panel means more genuine comparison.
- Look for experience with borrowers like you, whether first home buyer, investor or self-employed.
- Brokers must disclose how they are paid; ask about commissions and any direct fees upfront.
- Membership of the MFAA or FBAA signals professional standards and ongoing education requirements.
- Choose someone who explains loan features and structure plainly, not just the lowest headline rate.
Questions to ask before you book
- Are you licensed with ASIC, and can I see your credit guide?
- How many lenders are on your panel, and which do you recommend most often?
- How are you paid, and does any lender pay you more than others?
- What can I realistically borrow, and what do you think I should actually borrow?
- What fees, including lender and government charges, will I pay from application to settlement?
What does a mortgage broker cost in Australia?
Most Australian mortgage brokers cost the borrower nothing; the lender pays an upfront commission of roughly 0.5 to 0.7 per cent of the loan plus a small trailing commission. Some brokers charge a direct fee for complex situations such as impaired credit or unusual income, which must be disclosed in their credit guide before you commit. You still pay normal lender and government costs like application fees and stamp duty. Get any broker fee confirmed in writing.
Frequently asked questions
Are mortgage brokers regulated in Australia?
Yes. Brokers must hold an Australian Credit Licence or be authorised as a credit representative of a licensee, both checkable on ASIC's registers. They are bound by a legal best interests duty when recommending home loans, and most belong to the MFAA or FBAA, which impose additional professional standards.
Does using a broker cost me anything?
Usually no. Lenders pay brokers commission, so most home loan help is free to the borrower. A minority charge a direct fee for complex files, which must be disclosed in the credit guide and quoted before you commit. Ask the question upfront so there are no surprises at settlement.
Will a broker get me a better rate than my own bank?
Often, though not always. A broker compares products across dozens of lenders, including smaller banks and non-banks that price sharply, and can negotiate discounts off advertised rates. Your bank only offers its own products. Even where rates match, a broker may find better features or a faster path to approval.
Do brokers help self-employed borrowers?
Yes, and this is where a good broker earns their keep. Lenders assess self-employed income very differently; some want two full years of financials while others accept less. An experienced broker knows which lenders suit your structure, whether sole trader, company or trust, and presents your income in the strongest legitimate way.
How many lenders should a broker compare?
Panels commonly range from 20 to 60 lenders, but what matters more is whether the broker genuinely compares options rather than defaulting to a favourite. Ask which lenders they used most in the past year and why. The best interests duty requires them to put your interests ahead of commission differences.
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