Brisbane Mortgage Broker
Helping You
Buy
Build
Borrow
Invest
with Confidence
Brisbane Mortgage Broker Helping You Buy with Confidence
Personalised home loan advice for Brisbane buyers, investors, and business owners backed by smart strategy and real local insight.
Your Local Mortgage Broker in Brisbane
Write Finance helps Brisbane buyers, investors, and business owners borrow with confidence
Mortgage Broking
Home Loans
Find the right home loan structure for your lifestyle, budget, and long-term plans. We compare lenders to secure a loan that supports your goals, not the bank’s.
Refinancing
Reduce repayments, access equity, or restructure your loan for better cash flow. We analyse Brisbane market rates and lender policies to find a refinancing strategy that works for you.
Borrowing Power
Understand exactly how much you can borrow before you start making offers. We model your borrowing power using lender-specific tools, factoring in real Brisbane property conditions.
Self-Employed and
Business Owners
Self-Employed
Home Loans
Match with lenders who understand seasonal income, business distributions, and the reality of being self-employed. We present your income clearly so you’re not underestimated.
Self-Employed
Refinancing
Improve cash flow, consolidate debts, or reduce interest by restructuring your existing loan. We optimise your loan using accurate financial analysis and Brisbane-specific lender policies.
Investment Loans for Business Owners
Secure finance for investment properties with strategies that support both personal wealth and business performance. Tailored for business owners building long-term portfolios.
First Home Buyers
Loan Pre-Approvals
Know your borrowing power and enter the property market with confidence. We secure strong, reliable pre-approvals so you're ready to make offers quickly.
Deposit Grant Guidance
Understand which QLD grants, concessions, and savings pathways you qualify for. We help Brisbane first-home buyers maximise every dollar.
First Home Buyer Strategy
Make clear, confident decisions with a structured plan for your first purchase. We guide you through each step so your loan supports your future goals.
- How else we can help
Investment Property Loans
Structure your investment finance for tax efficiency, rental yield, and long-term growth.
Equity Release and Debt Consolidation
Access equity to fund renovations, pay down other debts, or invest elsewhere.
Guarantor Loans
Support family members into the market with structured guarantee options that minimise risk.
Bridging Loans
Manage the transition between buying and selling properties without unnecessary stress.
Loan Health Checks
Review your current setup and make sure it still works in a changing interest rate environment.
- Over 60 Lenders
Access to Australia’s Leading Lenders
We work with a wide network of trusted lenders from the big four banks to specialist providers giving you more choice, better negotiation power, and loan options tailored to your goals.
Why Brisbane Home Buyers Choose Write Finance
Choosing the right mortgage broker can make all the difference in a fast-moving Brisbane property market. We focus on clarity, strategy, and long-term support not quick transactions. Every recommendation is built around your goals, your finances, and how you want to grow your property future.
You work directly with an experienced Brisbane mortgage broker who takes the time to understand your situation and build a lending plan that fits.
We compare major banks, non-banks, and specialist lenders to find solutions that match your structure, income, and property goals not just the lowest advertised rate.
Borrowing capacity, cash flow, and tax positioning all matter. We structure loans to support both immediate affordability and long-term outcomes.
From pre-approval to settlement, we manage the details, explain each step clearly, and keep everything moving so you can buy with confidence.
Your loan isn’t set-and-forget. We review your lending regularly, identify opportunities to save, and make sure your structure continues to work as your life changes.
How Our Brisbane Lending Process Works
Discovery & Understanding
We start by learning about your goals, your timeline, and how you want your property decisions to support your lifestyle. This includes understanding your income structure, future plans, and any challenges you’ve faced with lenders before.
Financial Position Review
Using secure tools, we review your income, cash flow, liabilities, and existing lending to map out your real borrowing capacity. You’ll receive clarity around what you can afford today and what may be possible with a few strategic adjustments.
Strategy, Planning & Lender Matching
We compare options from more than 60 lenders and build a clear lending strategy tailored to you. This includes structure, loan features, policy fit, and long-term affordability. You’ll know exactly which lenders suit you and why.
Application, Management & Ongoing Support
We handle the application, negotiate with lenders, and keep everything moving until approval and settlement. After your loan is in place, we stay in touch with annual reviews, refinancing opportunities, and proactive guidance as your needs evolve.
Making home loans simpler for Brisbane borrowers.
Why us
Brisbane Mortgage Broker You Can Count On
Write Finance is trusted by home buyers, investors, and business owners across Brisbane who value clarity, expertise, and long-term support.
We don’t believe in one-size-fits-all lending. Every recommendation we make is grounded in your real financial position, your future goals, and your stage of life — especially for self-employed borrowers who often face extra hurdles with the banks.
Led by Brisbane-based mortgage broker Mark Tran, Write Finance combines strategic insight, personalised service, and full compliance under LMG Broker Services Pty Ltd (ACL 517192) to help you make confident, informed decisions.
Lending results delivered across Brisbane and Southeast Queensland.
From first enquiry to post-settlement check-ins, we’re with you every step.
A dedicated team of financial experts at your service.
Built on transparency, trust, and real results for Brisbane clients.
Integrity
We do what’s right for our clients, with honest advice and full transparency.
Transparency
You’ll always know how we’re paid and why we’ve made our recommendations.
Ongoing Support
We’re with you beyond settlement, checking in and updating your lending as life evolves.
Client-First Advice
No cookie-cutter solutions. Every recommendation is based on your financial needs.
Industry Insight
We stay across market shifts, policy changes, and lender updates to protect your position.
Confidentiality and Respect
Your financial details are treated with complete care and privacy.
Testimonials
What Our Clients Say
Tailored Advice for Buyers, Business Owners and Investors
We go beyond the surface-level comparison of rates. Our value lies in strategy, especially for clients who need more than just a one-size-fits-all loan. For example, many brokers rely heavily on standard financial statements, but we know how to present self-employed income using BAS, business bank statements, and accountant-declared figures in a way that aligns with individual lender policy. We stay informed on changing credit policy, serviceability thresholds, and product offerings across more than 60 lenders. This includes specialist lenders that cater to variable incomes, trust structures, or recent business transitions. Our service is built around long-term financial alignment not just getting the loan over the line.
We specialise in helping sole traders, ABN holders, freelancers, and company directors who may not have regular payslips but still have strong income potential. If you run your own business or work in a non-traditional employment setup, we’ll help you secure lending that reflects your real financial position.
First Home Buyers
If you’re buying your first property, we guide you through the entire process. From understanding grants and schemes, to structuring your loan and getting pre-approval, we’ll simplify the steps and support you through to settlement.
Property Investors
Whether you’re buying your second property or expanding your portfolio, we work with you to secure finance that aligns with your investment strategy. This includes structuring for tax efficiency, future borrowing power, and cash flow management.
PAYG Employees and Families
We also support everyday Brisbane buyers—couples, growing families, and professionals—who want a smart lending solution that supports their lifestyle and long-term plans.
Refinancers
If you’re looking to reduce repayments, release equity, or just get a better deal, we’ll assess your options across more than 60 lenders and help you restructure with confidence.
Business Owners Looking to Invest
We regularly assist business owners who are looking to invest in residential or commercial property. We understand how to navigate complex income structures and create a finance strategy that supports both business and personal wealth goals.
Yes. In fact, we encourage it—especially for self-employed borrowers. Your accountant plays a key role in how your income is structured, and we regularly liaise with accountants to clarify deductions, confirm business performance, and plan around tax timing. For property investors or high-income professionals, working alongside your adviser helps ensure the lending strategy fits with broader wealth-building or tax goals. We’re also happy to provide your legal team with details required for conveyancing and settlement.
Write Finance is based in Brisbane and proudly supports clients right across the city and surrounding regions. We regularly help home buyers, business owners, and investors in key suburbs including New Farm, Carindale, Sunnybank, Mount Gravatt, Indooroopilly, North Lakes, Redcliffe, Springfield Lakes, Logan, Ipswich, and the Redlands. Whether you’re navigating the competitive inner-city market or securing a family home in the outer south, our understanding of local property trends, lender policies, and valuation conditions means you’re getting advice that’s grounded in local insight.
We work with a network of conveyancers, valuers, and real estate professionals throughout Southeast Queensland, so your loan strategy is not just approved—it’s aligned with the market you’re buying in. This local advantage is especially valuable in fast-moving areas where price growth, zoning, and demand can vary dramatically from suburb to suburb.
While interest rates matter, the structure of your loan can have a far greater impact on long-term financial outcomes. For example, the wrong loan term or repayment type could limit your ability to invest, reduce flexibility, or result in higher interest over time. We take the time to align your structure—such as offset accounts, redraw features, interest-only terms, and split loans—with your income, cash flow, and future plans.
For business owners or self-employed borrowers, structuring your loan around your trading cycle and taxation strategy is critical. We factor in not just current rates, but how the structure affects your long-term borrowing power, investment capability, and risk exposure. Especially in a dynamic rate environment like we’ve seen across 2023–2025, strategic structuring gives you more control and resilience—no matter which lender you’re with.
Loan & Strategy Support
No. We are accredited with over 60 lenders, including major banks (such as CBA, NAB, ANZ, Westpac), second-tier lenders (like Macquarie, ING, Suncorp), and non-bank specialists (like Pepper, Liberty, and Bluestone). This gives us the flexibility to match your situation with the right lender—not just the one with the lowest headline rate. In Queensland’s current housing market, where competition is high and valuations can be unpredictable, access to a wider panel means more options when it matters. We review lender policies weekly and stay on top of changes to interest rate margins, assessment buffers, and product eligibility so you can make informed choices.
Yes. We guide eligible buyers through the First Home Guarantee (under the Federal Government’s Housing Australia scheme), which lets you purchase with as little as 5% deposit without Lenders Mortgage Insurance (LMI). We also help you understand your eligibility for the Queensland First Home Owner Grant (currently $30,000 for new builds as of mid-2025). These schemes have strict requirements around property price caps, location, and living arrangements, so we help you navigate the application process in full compliance. With property prices rising again in parts of Brisbane, these grants can be a crucial piece of your deposit strategy.
Most clients should review their home loan every 12 to 24 months. This ensures you stay competitive as interest rates shift and lender products change. Over the past two years, the RBA’s interest rate cycle has significantly affected repayments for many borrowers. While the cash rate may stabilise or fall, lenders rarely pass on full cuts, and revert rates on older loans can quietly rise. A review lets us assess your rate, fees, and loan structure to see if a refinance or restructure could reduce costs, improve cash flow, or access equity for future plans. Reviews are especially important after significant life changes—such as income adjustments, family growth, or business changes.
Yes. Our support doesn’t stop when the loan settles. We proactively check in at key milestones—such as fixed rate expiry, annual anniversaries, or changes to your income. If your circumstances change, we’re here to help restructure, refinance, or explore new opportunities. Many of our long-term clients come back when they’re ready to invest again, upgrade their home, or restructure as their business grows. We also offer loan health checks to ensure your loan remains aligned with your financial goals and the broader market.
Getting started with your home loan
No. Our initial consultation is complimentary and designed to give you clarity. We’ll assess your goals, review your financial position, and explain how we work. If you choose to proceed, we provide a credit quote that outlines how we’re paid (typically by the lender upon loan settlement) and any fees that may apply—although in most cases, there are no out-of-pocket costs to you.
You can begin by booking a quick phone call or submitting your details via our website. Once we understand your needs, we’ll guide you through next steps, including the required documentation and timelines. We use secure digital tools to collect your data, making the process efficient and private.
Most lenders require ID, income verification, and asset/liability statements. For PAYG employees, that usually means recent payslips, bank statements, and a group certificate. For self-employed clients, we may need your latest tax returns, BAS, profit and loss statements, and sometimes an accountant’s declaration. If you’re applying under a government scheme, we’ll also need evidence of eligibility and compliance with property criteria. We’ll give you a tailored checklist once we’ve mapped out your strategy.
- Your Brisbane Lending Advantage
Mortgage Advice That Understands How Brisbane Buyers Borrow
Brisbane’s property market moves quickly, and lending policies change just as fast. You need a broker who understands the nuances of Brisbane postcodes, how your income is assessed, and which lenders are offering real value right now. We help home buyers, investors, and self-employed clients navigate competitive conditions with tailored lending strategies backed by local insight. From first home finance in Redlands to investment lending in North Brisbane, our role is to make the entire process clearer, faster, and structured for long-term success.
- Brisbane Home Loan Guidance You Can Trust
Brisbane borrowing capacity has shifted due to rate changes, lender appetite, and postcode risk weighting. We use bank-grade lending calculators (the same tools assessors use) to give you a true borrowing range not the inflated figures generic online calculators produce.
What affects borrowing power in Brisbane:
- Brisbane postcode categories (some reduce borrowing by $20k–$60k depending on lender).
- Living expense benchmarks adjusted to SEQ cost of living.
- Addbacks for depreciation, vehicle expenses, one-off costs (self-employed).
- Existing debts, HECS/HELP, and afterpay usage.
- Rate projections and serviceability buffers (+3.00%).
What we calculate for you:
- Borrowing capacity across major banks + 2nd-tier lenders + specialists.
- Best-case vs worst-case scenarios.
- Borrowing power with deposit variations (5%, 10%, 20%).
Brisbane insight: borrowing power can differ by $80k+ between lenders especially in suburbs like North Lakes, Chermside, and Logan.
Most borrowers need standard ID and income documents, but Brisbane lenders often request extra verification depending on your job type and suburb.
Standard documents:
- ID (DL + Medicare/Passport)
- 2× payslips
- 3 months of bank statements
- Proof of deposit
- Tax returns & NOA (if required)
Additional documents common for Brisbane borrowers:
- Rental statements (high rent yields across Brisbane mean lenders check this closely).
- BAS statements for small business owners (very common across SEQ).
- Employment contracts (especially in health, construction, and education).
- Childcare or school fee evidence a major influence on serviceability in family suburbs.
Why documentation matters:
Clean, complete documents can cut approval time from 10 days to under 48 hours.
Yes, several incentives exist for Brisbane first-home buyers, depending on the property type and value.
Major programs available:
- QLD First Home Owner Grant (for new builds only)
- Stamp duty concessions up to $8,750+
- First Home Guarantee (5% deposit, no LMI)
- Regional First Home Guarantee (applies to Brisbane outskirts like Ipswich & Moreton Bay)
We help you confirm:
- Eligibility
- Deposit requirement
- Maximum purchase price
- Whether grants can be used toward settlement
Most Brisbane first-home buyers underestimate what they qualify for we calculate it for you upfront.
Banks offer one set of products.
A Brisbane mortgage broker gives you choice, strategy, and long-term support.
Why Brisbane borrowers get better outcomes with a broker:
- Access to 60+ lenders, including those specialising in self-employed and low deposit options.
- We match your situation to lenders with the best policies for your postcode.
- You avoid the 5–20 business day wait times of many big banks.
- We negotiate discounts, cashback offers, and annual reviews.
- You get strategic advice, not a single bank’s sales target.
Result: most clients save $2,000–$6,000+ annually by using a broker.
Absolutely, Brisbane has a huge population of contractors, tradies, and small business owners. We specialise in structuring complex income so lenders see your true earning capacity.
We help:
- Contractors & subcontractors
- Tradies (electrical, plumbing, carpentry)
- Allied health workers
- Creatives & digital professionals
- Rideshare/Delivery drivers
- Small business owners across SEQ
What income we present:
- Addbacks (depreciation, business expenses)
- Director salaries + distributions
- Retained profits
- Contractor invoices (6–12 months)
- BAS summaries
- Business bank statements
Outcome: we often increase usable income by 10%–30% through correct structuring.
Approval times depend on the lender, but here’s what we’re seeing in 2025:
Fast-track lenders:
- Pre-approval: 24–72 hours
- Full approval: 3–7 business days
Standard lenders:
- 7–15 business days
- Longer during RBA announcements or end-of-quarter volume spikes
Delays usually come from:
- Incomplete documents
- High-risk postcodes
- Undisclosed liabilities
- Recent job changes
What we do to speed things up:
- Pre-package your application to assessor-ready quality
- Submit through priority broker channels
- Daily tracking & escalation
- Lender selection based on current Brisbane turnaround times
Meet Your Mortgage Broking Team
We’re small, personal, and committed to your success.
Suburbs Supported Across Brisbane
We support home buyers, investors, and business owners across the entire Brisbane region — from the CBD and inner-city suburbs to the Northside, Southside, Bayside, Western suburbs, and fast-growing outer Brisbane communities.
- Brisbane City
- Fortitude Valley
- Spring Hill
- New Farm
- Teneriffe
- Bowen Hills
- Petrie Terrace
- Kelvin Grove
- Herston
- Newstead
- Woolloongabba
- Highgate Hill
- West End
- South Brisbane
- Kangaroo Point
- Albion
- Ascot
- Clayfield
- Hendra
- Windsor
- Wilston
- Grange
- Gordon Park
- Kedron
- Wavell Heights
- Lutwyche
- Wooloowin
- Stafford
- Stafford Heights
- Chermside
- Chermside West
- Aspley
- Zillmere
- Geebung
- Virginia
- Northgate
- Nundah
- Banyo
- Boondall
- Nudgee
- Nudgee Beach
- Sandgate
- Shorncliffe
- Deagon
- Bracken Ridge
- Fitzgibbon
- Carseldine
- Taigum
- Annerley
- Fairfield
- Yeronga
- Yeerongpilly
- Moorooka
- Tarragindi
- Holland Park
- Holland Park West
- Greenslopes
- Coorparoo
- Camp Hill
- Carina
- Carina Heights
- Carindale
- Cannon Hill
- Morningside
- Seven Hills
- Bulimba
- Hawthorne
- Norman Park
- East Brisbane
- Woolloongabba
- Mount Gravatt
- Mount Gravatt East
- Upper Mount Gravatt
- Mansfield
- Wishart
- Rochedale
- Eight Mile Plains
- Sunnybank
- Sunnybank Hills
- MacGregor
- Robertson
- Acacia Ridge
- Archerfield
- Algester
- Calamvale
- Pallara
- Parkinson
- Doolandella
- Durack
- Inala
- Forest Lake
- Toowong
- Taringa
- Indooroopilly
- St Lucia
- Fig Tree Pocket
- Chapel Hill
- Kenmore
- Kenmore Hills
- Brookfield
- Upper Brookfield
- Pullenvale
- Pinjarra Hills
- Moggill
- Bellbowrie
- Mount Coot-tha
- Bardon
- Paddington
- Red Hill
- Ashgrove
- The Gap
- Balmoral
- Bulimba
- Hawthorne
- Morningside
- Murarrie
- Tingalpa
- Manly
- Manly West
- Wynnum
- Wynnum West
- Lota
- Wakerley
- Ransome
- Gumdale
- Belmont
- Carindale
- Chandler
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