Mortgage broking
Guiding your journey home.
Smart lending solutions, personal guidance and better outcomes — whatever stage of the journey you’re at.
What we do
Whatever the move is, we’ll map it.
From a first home to the next property the job is the same — understand where you are, compare the whole market, and recommend what actually suits.
First home buyers
Deposits, schemes and what you can actually borrow, before you commit.
Refinancing
Loyalty is rarely rewarded. We check whether switching is genuinely worth it.
Buying your next home
Bridging and timing, so both ends of the move line up.
Investment lending
Structure now, portfolio later. Set up so this purchase doesn’t block the next.
Self-employed
Full doc or alt doc, with add-backs applied the way they should be.
Construction
Building or renovating, with progress payments drawn down at each stage.
Commercial & business
Commercial property, business purchases and working capital.
SMSF lending
Limited recourse borrowing for property held inside a self-managed super fund.
Asset & car finance
Vehicle, equipment and business asset finance, alongside your other lending.
Access to Australia’s leading lenders
Not all lenders are suited to you at all times. Lenders change who and what’s important to them. We stay on top of this so you don’t have to.
How it works
Four steps, and we drive most of them.
One conversation and a document list from you — we take it from there, comparing the panel, handling the paperwork and managing the lender through to settlement.
First chat
A no-obligation conversation about where you are, what you want to buy, and what’s realistic. Nothing to prepare beforehand.
Your numbers
We confirm your borrowing power, deposit position and the real costs, then compare our lender panel and recommend the structure that suits.
Application
We package the file properly the first time, submit it, and manage the lender through valuation to formal approval.
Settlement & beyond
Our settlements team coordinates your solicitor and the lender through to the settlement date — then we review your rate as the years go on.
Questions
What people ask us first.
Can’t see your question?
Call us on 07 3184 9966 or send us a message, and we’ll talk it through.
What does it cost to use Loan Shepherd?
Nothing. Lenders pay us a commission when your loan settles, so our service costs you nothing. If a situation ever called for a fee, we’d tell you in writing and get your agreement before doing any work. Our Credit Guide sets out exactly how we’re paid.
Will talking to you affect my credit score?
No. We check your Equifax credit report early on so we can see where you stand, but that check has no impact on your credit score. A lender only runs its own credit check once you’ve chosen to apply and given us permission.
How many lenders do you compare?
We have a panel of more than 60 lenders: the major banks, smaller banks, credit unions, and non-bank and specialist lenders. We’ll always show you which lenders we considered and why we recommended the one we did.
Do I need a 20% deposit?
Not always. Many lenders will lend with less, though below 20% you’ll usually pay Lenders Mortgage Insurance (LMI). Some government schemes, and some lenders’ policies for certain professions, can remove that cost. Whether a smaller deposit makes sense depends on your numbers, and that’s one of the first things we work through with you.
I’m self-employed. Can I still get a home loan?
Yes. Self-employed income isn’t harder to lend against, it’s just assessed differently, and lenders vary a lot in how they treat it. The right lender and the right paperwork can change the answer completely. Our self-employed guide explains how it works.
What do I need for our first chat?
Nothing. The first chat is about understanding your goals and giving you a realistic picture of what’s possible. If you decide to go ahead, we’ll send you a clear list of what we need, usually ID, proof of income and details of any existing debts.
Get started
Let’s work out what’s possible.
A no-obligation chat. Nothing to prepare, and no pressure to go further than the conversation.