Brisbane mortgage broker - 15+ years broker expErience
review your mortgage australia
Your Home Loan Consultant - Brisbane Mortgage Broker
Your Home Loan Is Probably Costing You More Than It Should
Brisbane's strategy-focused mortgage broker. We review your loan structure, repayments, and equity position — and show you exactly what's possible.
15+ yearsMortgage experience
40+5-star Google reviews
Australia-widePhone and Zoom appointments
Strategy-ledStructure before rate chasing
Where Are You In Your Home Loan Journey?
Buying Your First Home
Your first home loan done right →
Refinance
When was your home loan last reviewed? →
Property Investing
Here's what you need to know →
Most home loans are reviewed for rate. That is only part of the problem.
A lower rate can help, but poor structure can still cost you thousands over time. The bigger opportunity is often how your repayments, offset accounts, surplus cash flow and equity are working together.
Your loan may be too passive
You make the repayment, but there may be no clear strategy to reduce interest faster or use surplus cash flow effectively.
Your offset may be underused
An offset account can be powerful, but only if income, bills, spending and savings are structured with a clear purpose.
Your equity may be sitting idle
Equity may help with renovations, debt consolidation or investment, but it needs to be assessed carefully and structured correctly.
See What Your Home Loan Could Look Like.
Use the Mortgage Reduction Calculator to estimate how much time and interest you could save by restructuring your loan.
$Interest saved
YearsTime reduced
PlanClearer strategy
Use the calculator before booking a call
This gives you a practical starting point. Instead of guessing whether refinancing or restructuring is worth it, you can model the numbers first and then discuss what is realistic based on lending policy, income, expenses and goals.
Open the mortgage reduction calculatorChoose the path that fits where you are now
The right loan strategy depends on whether your priority is cash flow, debt reduction, equity access or buying again.
Refinance your home loan
Review your rate, repayments, lender options and whether switching actually makes sense after costs.
View refinancing guides →Pay off your home loan faster
Learn how offset structure, repayment strategy and surplus cash flow can reduce interest over time.
View mortgage reduction strategy →Use equity strategically
Explore using equity for renovations, debt consolidation, investment or future planning.
View equity options →How the strategy call works
This is not a sales call about the cheapest advertised rate. It is a structured review of where you are now, what is possible, and what needs to be checked before making a move.
1. Review your current position
Loan balance, repayments, rate, offset balance, debts, income, expenses and property goals.
2. Identify the strategy
Refinance, restructure, consolidate debt, access equity, improve offset use or stay where you are.
3. Map the next step
You get a practical direction based on numbers, lending policy and whether the outcome is worth pursuing.
Clients come to me when they want clarity, not guesswork.
The goal is to make the lending decision easier to understand and the loan structure easier to manage.
“James helped us refinance and combined our other debt into one loan when other lenders had said no.”
Refinance & debt consolidation
“He talks us through the best ways to achieve the results we’re after in a way we can understand.”
Property investors
“James made the process simple and straightforward — easier than dealing directly with the bank.”
Home loan client
Free Mortgage Reduction Calculator
Could your home loan be paid off years sooner?
Most homeowners only compare interest rates. This calculator helps you see how repayment strategy, surplus cashflow and offset account structure may reduce interest and shorten your loan term.
- ✓ Estimate how many years you may be able to reduce from your home loan.
- ✓ Test extra repayments, offset balances and surplus cashflow scenarios.
- ✓ Compare your current loan against a smarter mortgage reduction strategy.
This calculator is for general education only. Your actual outcome depends on your loan balance, interest rate, repayments, fees, cashflow, loan structure and whether the strategy suits your circumstances.
Strategy Preview
Example only
Potential time saved
6 yrs
Interest reduction
$78k
See the impact before making changes.
Use the calculator to test your own numbers, then book a review if you want help structuring the strategy properly.
Use the calculator to test your own numbers, then book a review if you want help structuring the strategy properly.
Let's talk about your home loan options.
Enter your details and you’ll receive a quick confirmation. You can then share a little more about what you’d like to review before James contacts you.
Takes about 30 seconds · No credit check · No obligation
Your information will be handled securely and in accordance with our Privacy Policy.
Other ways I can help
Not every situation is about refinancing. If you're buying your first home, planning your next purchase, or building a portfolio, the right structure from the start matters just as much.
First home buyers
Buying your first property comes with a lot of moving parts — borrowing capacity, deposit, grants, and lender requirements.
- Understand how much you can realistically borrow
- Navigate grants and deposit options
- Get pre-approval set up correctly from the start
Investment property loans
Investment lending is not just about approval — it’s about structuring loans correctly for cash flow, tax and future flexibility.
- Use equity to fund deposits strategically
- Structure loans for tax efficiency and flexibility
- Plan for future purchases, not just the first one
Buy before you sell (bridging loans)
Bridging finance can help you secure your next property before selling, but it needs to be structured carefully to manage risk.
- Understand peak debt and holding costs
- Assess timing and exit strategy
- Compare bridging vs alternative options
Clear advice, practical structure and support from application to settlement.
Clients often come to me when they want more than a basic loan comparison. They want to understand their options, avoid costly mistakes, and set up their lending properly.
★★★★★
Refinance and debt consolidation when others said no
“James helped us refinance our mortgage and combined all our other debt into one loan when other lenders had said no — James got the job done. Very helpful, didn’t judge us on our debts, and made us feel good.”
B & S Ogilvie
Refinance & debt consolidation · Sunshine Coast
★★★★★
Ongoing guidance for investment lending decisions
“James is always available for a chat on financial matters. He talks us through the best ways to achieve the results we’re after in a way we can understand. We’ve recommended James to many people and will continue to.”
Bern & Allin
Property investors · Brisbane
★★★★★
Simpler than dealing directly with the bank
“James made this process simple and straightforward — easier than dealing directly with the bank. From our first call to loan completion, he stepped us through everything and kept us in the loop at every stage.”
Andrew & Karen
Refinance & purchase · Narangba
Explore your options first
Home loan calculators
These tools can help you understand what may be possible before speaking with a mortgage broker. You can estimate borrowing capacity, repayments, refinancing savings, and how much equity may be available in your property.
Borrowing Capacity
Estimate how much you may be able to borrow based on income, expenses, and existing commitments.
Open calculator →Repayment Calculator
See how repayments change depending on loan amount, interest rate, and loan term.
Open calculator →Refinance Savings
Compare your current loan with potential refinancing options to estimate possible savings.
Open calculator →Equity Calculator
Estimate how much usable equity may be available in your property.
Open calculator →
About Your Home Loan Consultant
Mortgage guidance built on experience and practical advice
With more than 15 years of experience in mortgage lending, I help borrowers understand their options when buying, refinancing, or planning future property decisions.
My focus is not only on getting a loan approved, but on helping structure the loan so it works over time as your financial plans evolve.
Clients often reach out when they want clear advice around loan structure, equity access, refinancing, or understanding what their borrowing options may be.
15+ years mortgage lending experience
Expert broker guidance
Advice for buying, refinancing and property investment
choose your next step
Ready to get started
You can book a call to discuss what you are looking to achieve, or securely provide your information online so I can begin reviewing your position
Talk It Through First
Not sure where to start or whether I can help? Book a time for an initial conversation before completing any forms.
Start Securely Online
Complete the secure online fact-find and connect your relevant bank accounts through Open Banking.
Your information is collected securely through Instant Apply.
Connecting your accounts does not give me access to your banking password or allow me to transact on your accounts.
BEFORE YOU GET IN TOUCH
Common questions people ask before speaking with a mortgage broker
Many people want to understand the process before taking the next step. These quick answers cover some of the most common questions.
No. Most clients arrange their home loan over the phone, online, and by video where required. Documents can be uploaded securely, and identification can usually be completed during a short video call.
No, there is no cost to speak with a mortgage broker at Your Home Loan Consultant. This allows you to discuss your situation, borrowing options, and next steps without obligation.
That is completely fine. Many people start by simply understanding what may be possible before making any decisions.
No. Clients commonly reach out when buying their first home, reviewing an existing loan, using equity, or planning an investment property purchase.
The initial discussion is usually short and focused. Overall timing then depends on the type of application, your documents, and lender processing times.
Have a question that isn’t covered here?
Get in touch and we’ll give you a straight answer — no obligation and no sales pitch.
You’re in safe hands
15+ years mortgage experience
Accredited with 40+ lenders
Based in North Lakes, helping clients Australia-wide
Personalised, one-to-one advice
MFAA Accredited Member
Part of Australia’s largest aggregation group – LMG
Ready to discuss your options? Give us a call now.