Services
Best Mortgage Offers
Clear, compliant mortgage and finance solutions for Australians
At Best Mortgage Offers, we help Australians compare and secure the right loan for their needs—without the stress. Our licensed brokers work with a wide panel of lenders (major banks, credit unions, and specialist lenders) and provide independent, best-interests advice from first chat to settlement and beyond.
Quick help:
📞 Call: [Insert phone] ·
How We Work
Understand your goals
We review your circumstances, income, commitments and preferences.
Compare lending options
We shortlist suitable products and explain rates, fees and features in plain English.
Apply and settle
We manage paperwork and updates through to approval and settlement, with ongoing support afterwards.
Cost transparency: Our service is generally at no direct cost to you. We are paid a commission by the lender after settlement. If a broker fee is appropriate for a complex scenario, we’ll disclose it upfront before you proceed.
Home & Personal Mortgage Services
Below are the core services we provide. Each card links to an in-depth page with eligibility, documents, timelines and FAQs.
First-Home Buyer Loans
Guidance on pre-approval, deposit options, government schemes and comparing fixed/variable/split loans.
Next-Home & Upgrading
Financing when selling and buying, including bridging finance where appropriate.
Refinancing & Rate Reviews
Structured reviews to check if your current loan still suits your goals. Debt consolidation where suitable.
Property Investment Loans
Options for new or existing investment properties, including interest-only vs principal & interest, offsets and redraw.
Construction & Renovation Loans
Progress-payment lending for building or major renovations, with clear milestone management.
SMSF Property Loans (Limited Recourse Borrowing)
Coordinated support for trustees and advisers on compliant SMSF property lending structures.
Ex-pat & New-to-Australia Borrowers
Practical help with foreign income, residency status, and lender policy differences.
Services for Different Client Types
Individuals
Personalised comparisons and straightforward application support for your home loan or refinance.
Couples & Families
Joint-borrower structures, budgeting for monthly household expenses, and future-proof features.
Sole Traders & Self-Employed
Low-doc and alt-doc options where suitable, plus lender policy navigation for fluctuating income.
Companies & Trusts
Acquisition, refinance and equity release for company/trust borrowers; coordination with your accountant and solicitor.
Specialist Lending
Bridging Finance
Short-term funding to purchase before you sell (subject to lender criteria and your exit plan).
Guarantor & Family-Assist
Understanding risks and responsibilities for guarantors; clear documentation guidance.
Accessing Equity
Strategies to access equity for renovations, investments or significant purchases—explaining risks, costs and alternatives.
Credit Repair & Complex Scenarios
Where previous credit issues exist, we assess options available under lender policies and responsible lending rules.
Features & Tools We’ll Explain
Rates & comparison rates
What they include and how to compare like-for-like.
Offsets & redraw
How these features work and when they can be beneficial.
Fees & costs
Application, valuation, settlement and ongoing fees—itemised before you decide.
Repayment structures
Fixed, variable or split; principal & interest vs interest-only (where suitable).
Pre-approval
What it is (and isn’t), typical timeframes, and expiry dates.
Calculators
Repayments, borrowing capacity and extra-repayments tools.
Note: Calculators provide general estimates only and are not credit approval or financial advice.
Why choose Best Mortgage Offers?
Licensed & compliant
We operate under an Australian Credit Licence and follow the Best Interests Duty.
Choice across lenders
Access to a broad panel of lenders and products.
Plain-English advice
We make the complex simple so you can decide with confidence.
End-to-end support
From pre-approval to settlement, with optional post-settlement reviews.
Transparent costs
Clear disclosure of commissions and any applicable fees before you proceed.
What to Prepare (documents checklist)
- Proof of identity
- Income evidence (PAYG payslips and/or self-employed financials)
- Details of assets, savings and existing debts
- Recent bank statements
- Contract of sale (if applicable)
(Your broker will provide a tailored list; requirements differ by lender and loan type.)
Frequently Asked Questions
Do you charge customers any fees?
Our service is generally paid by the lender after settlement. If a fee applies for a specialised or complex scenario, we’ll disclose it in writing and explain your alternatives.
Can you guarantee approval or the lowest rate?
No. We provide comparisons and recommendations aligned to your circumstances and lender criteria, but approval and pricing are determined by the lender.
Will using a broker affect my credit score?
We minimise unnecessary enquiries by assessing your situation first and targeting suitable lenders. Lenders may complete a credit check as part of their assessment.
Do you offer ongoing reviews?
Yes—on request, we can review your loan post-settlement to check whether it still aligns with your goals and current market conditions.
Speak With A Broker
Ready to explore your options or have questions about a service above?
📞 Call: [Insert phone]
100% Free. No Obligation.
Speak to a real mortgage specialist within 24 hours.
- Your information is secure. We never share your data.
Compliance & Important Information
Best Mortgage Offers Pty Ltd (ABN [insert]) holds Australian Credit Licence [insert number].
We comply with the National Consumer Credit Protection Act 2009 (Cth) and ASIC regulations.
Information on this page is general in nature and does not take your personal objectives, financial situation or needs into account.
Consider whether it is appropriate for you and, where necessary, seek independent legal, tax or financial advice.
Loan approvals, features and pricing are subject to lender criteria and may change.