Rated 5 Stars on Google
Home Loans That Grow With You Over Time
When it comes to beating the banks for our clients…
We leave no stone unturned.
See what we did there?
When it comes to beating the banks for our clients… We leave no stone unturned.
Access over 60 lenders in one place.
Investing
Want to grow your property portfolio?
We structure loans to boost cash flow, maximise tax benefits, and set you up for long-term gains.
Whether it’s your first or fifth investment, we’ll ensure your loan works smarter, not harder.
Rentvesting
Love where you live but want to start building wealth?
Rentvesting lets you do both.
We’ll help you secure an investment loan while you continue to rent in your dream suburb…giving you the best of both worlds without sacrificing your lifestyle.
Refinancing
Are you sick of your bank treating you like an ordinary customer?
We will hold them accountable on your behalf.
We’ll renegotiate your rate, unlock equity, and structure your loan so it works for your financial future, not just the bank’s bottom line.
First Home
Buying your first home?
We get it: exciting, nerve-wracking, and many ‘what ifs’.
Don’t stress. We’ll help you navigate deposits, grants, and loan approvals so you can focus on picking out furniture instead of worrying about paperwork.
How we make the banks beg for your business
Old Way: You beg for a loan.
They hold all the power – You must prove yourself, jump through endless hoops, and hope they say yes.
Rigid approval criteria – If you don’t fit their perfect box, you’re out of luck.
Slow & stressful process – You wait weeks (or months) for an answer, with zero clarity along the way.
No strategy, just numbers – They look at your income and credit score but don’t help you build wealth.
You’re just another number – The bank doesn’t care about your long-term goals, only their bottom line.
Limited options – They offer you what works for them, not necessarily what’s best for you.
New Way: Lenders compete for you.
You hold the power – We position your application strategically so lenders compete for your business.
Creative lending solutions – We find the best lender for you, even if the banks say no.
Fast approvals, zero stress – Our expert team gets you results in days, not months.
More than just a loan – We align your finance with your long-term wealth-building strategy.
Personalised guidance – We’re with you every step of the way, ensuring you get the best possible outcome.
Access to 60+ lenders – We unlock exclusive deals and negotiate rates banks won’t offer you.
What People Are Saying
Patrick and his team have done an excellent job for us. They have handled our business extremely well. Always available to answer questions or concerns without any hassle. Thoroughly Recommended
Patrick made my first home buying experience so much easier to navigate. He was super responsive, transparent, detailed and really took the time to break down everything in simple terms. Can’t recommend him enough! Thanks Patrick!!
I recently bought my second property through Patrick and I can’t recommend him enough. He made the process smooth and stress-free. I was always kept well-informed and Patrick worked really hard to get me the best deal. I even recommended him to my parents and he managed to get them a better mortgage rate too!
Pat & Stacey were fantastic to work with! The entire mortgage process was smooth and stress-free. They were always communicative, keeping me updated every step of the way. Highly recommend them!
We had a great experience with Pat and his team who were professional, knowledgeable, and easy to deal with. We couldn’t recommend them highly enough to others.
Patrick is one of the best, if not the best mortgage brokers in Australia. He is very smart, innovative and tapped into an extensive network of financiers. Patrick is the go to person for mortgages!
Your Finance Dream Team For Life
We limit the number of clients we work with so we can be your lifelong finance partner, helping you build wealth that stands the test of time.
Patrick Noll
My mission is to empower people to make educated lending decisions, and build their wealth through property. We help hundreds of people each year to do just that. I’m driven by the relationships fostered along the way.
My mission is to empower people to make educated lending decisions, and build their wealth through property.
We help hundreds of people each year to do just that.
I’m driven by the relationships fostered along the way.
Stacey Michell
Stacey makes navigating the often-complex world of finance feel simple and stress-free. She’s passionate about helping clients secure the best possible outcomes, with a focus on personalised service and building lasting relationships.
Stacey makes navigating the often-complex world of finance feel simple and stress-free.
She’s passionate about helping clients secure the best possible outcomes, with a focus on personalised service and building lasting relationships.
James Castillones
James Castillones is a mortgage assistant by day and NBA enthusiast by, well, all the time. James enjoys collaborating with his team to help people achieve their goals and turn their dreams into reality.
James Castillones is a mortgage assistant by day and NBA enthusiast by, well, all the time.
James enjoys collaborating with his team to help people achieve their goals and turn their dreams into reality.
Greeniel Anne Pinca
Our compliance pro, Green dives deep into loan processing and broker support, making sure every step of the mortgage journey runs smoothly.
How It Works
Let's Make This Easy To Get Started. The right loan is a wealth-building asset. Let's find yours today.
Book a Call
Tell us what you need, and we’ll map out your best options.
Get Approved Fast
We handle the paperwork, so you don’t have to
Secure the Best Deal
The right loan structured the right way
Ongoing Support
We keep checking in to ensure your loan stays competitive.
Frequently Asked Questions
How much deposit do I need to buy a home?
It depends on your situation. Some lenders allow as little as 5%, while others may require 20% to avoid Lenders Mortgage Insurance (LMI). First-home buyers may also access government grants and schemes to reduce deposit requirements.
What’s the difference between a fixed and variable loan?
A fixed loan locks in your interest rate for a set period (e.g., 2-5 years), giving you predictable repayments. A variable loan fluctuates with market rates, which can mean savings when rates drop, but higher costs if they rise.
Can I refinance my home loan if I’m still in a fixed term?
Yes, but you may have to pay break fees. We can assess whether refinancing makes sense based on potential savings versus the cost of exiting your current loan.
What is rentvesting, and is it a good idea?
Rentvesting means renting where you want to live while owning an investment property elsewhere. It’s great for people who wish to enter the market without compromising their lifestyle.
How do I know if I qualify for a loan?
We assess income, expenses, credit scores, and debts. The best way to find out is to book a quick chat with us and we’ll walk you through your borrowing power.
Do you charge for your services?
Nope! Our service is 100% free for you. Lenders pay us when your loan settles, meaning we work hard to find you the best deal without any extra cost or agendas.
How long does loan approval take?
Pre-approvals can take as little as 24-48 hours, while full loan approvals typically take 1-2 weeks, depending on the lender and complexity of your application.
Can I use equity from my current property to buy another one?
Absolutely! We can help you access equity to fund a new property purchase without a massive cash deposit.
What grants or incentives are available for first-home buyers?
Various state and federal schemes offer grants, stamp duty exemptions, and deposit schemes. We’ll help you determine what you qualify for and ensure you maximise every opportunity.
What’s the best way to get started?
Book a free call with us! We’ll discuss your goals, assess your options, and map out a game plan tailored to you.