The Right Home Loan. From 40+ Lenders.
The Mortgage Panel compares major banks, non-bank lenders, and everything in between — providing you with a clear and unbiased recommendation tailored to your needs.
Where would you like to start?
Tell us what you're trying to do and we'll show you exactly how we can help.
I want to buy a home
Answer a few questions and we'll come back with an honest assessment of your options.
Start — takes 2 minutesI want to refinance
Tell us about your current loan and we'll check if you're still on a competitive rate.
Start — takes 2 minutesI want to buy property in SMSF
Use your super to buy an investment property — we'll walk you through the structure and compliance.
Start — takes 2 minutesOther ways we help
Already on a specific path? We have dedicated guidance for these too.
The broker advantage
We compare 40+ lenders.
Your bank compares one.
When you go directly to a bank, they present their products. As a broker, we're required by law to act in your best interest — and we have 40+ lenders to search across, including options your bank will never show you.
40+
Lenders on our panel
$2.4B+
In loans settled
MFAA member · AFCA registered · ASIC licensed · Best Interest Duty applies
Why Borrowers Choose The Mortgage Panel
Independent advice, no bank bias, and a legal obligation to act in your interest.
Best Interest Duty — legally binding
As an MFAA member and AFCA-registered brokerage, The Mortgage Panel is legally required to recommend what's right for you — not what pays the highest commission.
40+ lenders on the panel
Major banks, regional banks, credit unions, and specialist non-bank lenders. We search across the full panel and show you options worth considering — not just the ones that are easy to sell.
Free service — no upfront fees
Our service costs you nothing to use. We're paid a commission by the lender when your loan settles. If we don't find you a better loan, we'll tell you that too.
Conditional approval in 24–48 hours
On clean applications, we can have conditional approval within a business day or two. We know which lenders are moving quickly right now — and which ones will slow your settlement down.
We handle the entire process
From initial assessment to settlement — paperwork, lender follow-ups, valuations, and communication. Most clients spend less than two hours on the process from start to settlement.
Personal loan lending
Beyond home loans — we also help with personal loans for cars, debt consolidation, renovations, and life's larger expenses. Same independent approach, same panel-wide comparison.
Know Your Numbers Before You Commit
Free tools to help you understand your position before you speak with a lender.
Borrowing Capacity
Enter your income and expenses to get an estimate of how much a lender is likely to approve.
Repayment Estimator
See your estimated monthly repayments at different loan amounts and interest rates.
Refinance Savings
Compare your current rate against today's rates and see your potential annual saving.
Results are estimates only — speak with our team for a personalised assessment. Book a free consultation
How It Works
Book a Free Consultation
Speak with our team by phone or video. We learn about your goals, income, and situation.
We Compare Lenders
We search 40+ lenders and present your best options with clear rate and fee comparisons.
We Handle the Application
Once you choose a lender, we prepare and submit your application and manage the process.
Approval & Settlement
We coordinate with the lender and conveyancer to get your loan approved and settled on time.
What Our Clients Say
“Lloyd took the time to understand our situation properly before making any recommendations. He was thorough throughout and never made us feel rushed. Found us a loan we were genuinely happy with.”
Brad Miller
Brisbane, QLD · Home Loans
“Buying my first home meant I had a lot of questions — some probably basic. Lloyd answered every single one without making me feel like I was wasting his time. The whole process was less stressful than I expected.”
Eun Sang Kang
Brisbane, QLD · First Home Buyers
“I had no idea we could get the rate Lloyd found us. He came back with something well below what I thought was possible and the saving has been significant. Wish we'd used a broker sooner.”
Sarah Chen
Brisbane, QLD · Refinance
Speak With Our Team — Free Consultation
Tell us what you're trying to achieve and we'll compare lenders, confirm your borrowing capacity, and respond within one business day.
What happens next
- 1We review your enquiry
- 2We call you within 1 business day
- 3Free assessment — no obligation
"I had no idea we could get the rate Lloyd found us. He came back with something well below what I thought was possible and the saving has been significant. Wish we'd used a broker sooner."
Sarah Chen
Brisbane, QLD · Refinance
Common Questions About Home Loans
How does a mortgage broker get paid?
Mortgage brokers are paid an upfront commission and a trail commission by the lender when your loan settles. You pay nothing directly — there are no upfront fees for our service.
How many lenders do you compare?
We have access to 40+ lenders including the major banks, regional banks, credit unions, and non-bank lenders. This gives us the breadth to find competitive rates across a wide range of borrower situations — including self-employed applicants, low-deposit buyers, and investors.
How long does home loan approval take?
Conditional approval can often be issued within 24–48 hours on straightforward applications. Formal approval typically takes 3–7 business days depending on the lender and how quickly supporting documents are provided. We tell you upfront which lenders are moving quickly.
What documents do I need to apply?
You'll typically need recent payslips (last 2), tax returns (last 2 years if self-employed), bank statements (last 3 months), photo ID, and details of any existing debts or assets. We'll give you a precise checklist once we understand your situation — most clients have everything ready within a day.
Can I refinance if I have little equity?
It depends on your lender's requirements and your loan-to-value ratio (LVR). Some lenders will refinance at up to 90% LVR, though you may need to pay Lenders Mortgage Insurance (LMI). We assess your equity position honestly and tell you whether switching makes financial sense before you commit.
What is the First Home Owner Grant (FHOG) in Queensland?
In Queensland, eligible first home buyers may receive a $30,000 grant for new homes valued under $750,000. Stamp duty concessions are also available for first home buyers. Eligibility rules apply — we confirm exactly what you qualify for during your consultation so there are no surprises.
What is Lenders Mortgage Insurance (LMI)?
LMI is a one-off insurance premium charged when you borrow more than 80% of a property's value. It protects the lender — not you. The cost varies but can run into thousands of dollars. Some lenders and government schemes allow you to avoid or reduce LMI — ask us whether your situation qualifies.
Your Bank Isn't Comparing Rates for You — We Are
Whether you're buying your first home, refinancing, or building a property portfolio — The Mortgage Panel compares 40+ lenders and gives you an honest recommendation. No obligation, no upfront fees.
No upfront fees. Response within 1 business day.