Mortgage Broker
Strategic mortgage advice aligned to your wealth plan
Why Choose Focused Advisers Over a Standard Loan Broker?
When it comes to finance, most people start with one question: Can I get the loan I need? A traditional loan broker can usually answer that question. They’ll find you a lender, compare interest rates, and process the paperwork. And while that has value, it only scratches the surface of what’s truly possible for your financial future.
At Focused Advisers, we go far beyond simply arranging a loan. We take a holistic view of your financial situation - looking not just at today’s borrowing, but also at tomorrow’s opportunities and the long-term outcomes you want to achieve.
A Complete Financial Picture
Where others focus on the loan alone, we look at the bigger picture: your income, investments, superannuation, tax position, and estate planning. This allows us to create strategies that don’t just meet your immediate needs but also work towards your bigger goals - whether that’s building wealth, preparing for retirement, or leaving a legacy for your family.
Our Process
1. Connect & explore
We’ll start by listening. What are your investment aims or refinance options - cash flow, capital growth, or both? Which market are you targeting? From there, we help you understand what kind of loan is most suitable.
2. Understand your borrowing power
We run through what you can borrow, using your existing assets or equity (if applicable). Sometimes what you already own can help reduce how much deposit you need.
3. Evaluate loan options
Fixed vs variable rates. Interest-only vs principal & interest. Guarantor loans. Split loans. We’ll compare across lenders to find terms that align with your goals.
4. Paperwork made easy
Once you select a lender, we handle the documentation, applications, and lodgement. We ensure everything is as clean as possible to avoid delays at settlement.
5. Settlement & ongoing support
On settlement day, we liaise with your solicitor/conveyancer, the lender, and any involved parties. After that, we keep in touch—monitoring rates, reviewing your loan health, and making adjustments if needed.
Long-Term Forecasting & Projections
One of our key differences is the ability to forecast. We model your financial future so you can clearly see how decisions made today will play out over the years ahead. That means you’ll understand the long-term impact of your loan, when it may be best to sell an asset to gain maximum tax benefits, or how to structure repayments in a way that works with your retirement plan. These insights give you confidence, clarity, and control.
Integrating Risk Management
Life doesn’t always go as planned, and a loan that works today might cause stress tomorrow if unexpected events occur. That’s why we integrate risk management into your overall financial plan. From income protection to insurance strategies and contingency planning, we ensure your financial foundations remain strong even when challenges arise.
Estate Planning Considerations
Another area often overlooked by loan brokers is estate planning. Your financial arrangements should align with your will, superannuation nominations, and family goals. We weave this into our advice so that your wealth is protected and transferred in line with your wishes. This proactive approach helps reduce stress for your loved ones and ensures nothing important is left to chance.
More Than Just a Loan
At Focused Advisers, a loan is never just a loan. It’s a tool within a much bigger strategy designed to help you live the life you want - today and into the future. By working with us, you don’t just walk away with finance; you walk away with a partner who is invested in your success, someone who will review, adapt, and walk alongside you as your life evolves.
The Focused Advisers Difference
If you’re looking for more than a quick loan solution, choose the team that sees the whole picture. At Focused Advisers, we don’t just secure finance - we help you build a future.
- We deliver clarity with detailed projections and long-term planning.
- We bring together tax, estate planning, and risk management in one cohesive strategy.
- We help you make informed decisions that protect today and strengthen tomorrow.
- We care about your whole financial journey, not just your current loan.
Mortgage Broker FAQs
We’ve got your questions covered.
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Does it cost to use a broker?
In almost all cases, you don’t pay us directly for our mortgage services. We’re paid by the lender you choose, via a commission. What this means for you is that we can provide tailored advice and support throughout the process, without upfront fees. If you’d like clarity on how this works, just reach out — we’re happy to explain.
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How long does it take to refinance a home loan?
On average, refinancing takes 2–6 weeks, depending on lender turnaround times, property valuations, and how quickly documents are provided. At Focused Advisers, we streamline the process — helping with paperwork, comparing lenders, and managing the application for you. To keep things moving quickly, we’ll let you know exactly what documents are needed and guide you every step of the way.
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How much does it cost to refinance?
Refinancing can be a smart way to reduce your interest rate, consolidate debts, or pay off your loan sooner. However, it’s important to be aware of the fees involved. These can include discharge fees from your current lender, application fees with a new lender, and settlement costs. At Focused Advisers, we make sure you understand the full picture before making a decision, so there are no surprises.
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How often can I refinance my home loan?
There’s no strict limit on how often you can refinance. The key is weighing up the benefits against the costs. Some lenders may have waiting periods or exit fees, and refinancing too often could affect your credit score. In practice, most homeowners review their loans every 2–5 years to take advantage of better rates, access equity, or adjust their loan features. Not sure if it’s the right time for you? We’ll happily review your current loan and give you clear guidance.
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What is a good interest rate?
The “best” interest rate is different for everyone. It depends on the type of loan, repayment plan, loan size, and your overall circumstances. A rate that works for one person might not be right for another. That’s why we don’t just chase the lowest number — we find the loan that’s competitive and aligned with your goals. Get in touch and we’ll compare options across a range of lenders to see what works for you.
Explore your Mortgage Broker Options
Book a free intro call with one of our experienced financial advisers and discover how Mortgage Broker can give you peace of mind, no matter what life throws your way.
Book Your Introductory CallOur Team
Meet Scott and Patrick, your financial advisers for wealth, super, retirement & insurance
Patrick Harrison
Principal Financial Adviser
With over 18 years in financial services, Patrick partners with individuals and high-net-worth clients alike to turn ... Read more
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Scott Hendy
Financial Adviser
With over 7 years of experience in the financial advice industry, and a diverse career in public-facing roles before ... Read more
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