Are Mortgage Brokers Free in Australia?

Mortgage Brokers in Australia don’t charge customers for their services. Instead, Mortgage Brokers are paid by the lenders (banks) once you get your home loan.

Is It Better To Get a Mortgage from a Bank or a Broker?

Mortgage Brokers can give you more choice. For instance, if you go to ANZ for a home loan, they can only offer you ANZ rates and loans. If you go to a Mortgage Broker, you can look at and compare loans from ANZ, NAB, Aussie Home Loans, and many other banks and lenders!

Is It Worth Using a Mortgage Broker?

If you’re thinking of buying a home, getting a mortgage, or refinancing, you might be wondering if it’s worth using a Mortgage Broker in Australia. Mortgage brokers can save you time and money by helping you to find the best mortgage for your needs. They have access to a wide range of lenders and products, and they can negotiate on your behalf to get you the best deal possible.

What is the Difference Between a Finance Broker and a Mortgage Broker?

Mortgage brokers specialise in helping people secure loans to purchase property. This can involve working with a variety of lenders to find the best mortgage rate and terms for their clients. Finance brokers, on the other hand, provide a wider range of services that can include both personal and commercial finance. They may work with banks, insurance companies, and investment firms to find the best financial products for their clients. In some cases, finance brokers may also provide advice on financial planning and investment strategies.

Buying a property?
Refinancing?

We find you the
right home loan

Sunshine Coast Mortgage Brokers

We are your local Sunshine Coast Mortgage Brokers

At Orchard Mortgage Brokers, we have a team of brokers who want take the problems and worry out of getting finance and loans.
We look after our clients & always help you find loans and rates that suit your needs.

We can help you find
the right loan option
for your needs.

Our Services

Home Loans & Mortgages
Refinancing
Investment Finance & Loans
First Home Buyers
New Build & Construction Loans
Reverse Mortgages
Car Loans
Personal Finance
SMSF Finance

Business & Equipment Finance

Mooloolaba, Sunshine Coast
Mortgage Brokers
office

Suite 1a, 45 First Avenue,
Mooloolaba Qld 4557

Paddington, Brisbane
Mortgage Brokers
office

5 LaTrobe Terrace,
Paddington Qld 4064

Servicing clients

Australia wide

We help you
step by step
throughout your
loan process.

What ever type of finance you need, we’re here to guide you.

Home Loans & Mortgages

Orchard Mortgage Brokers can help you find the right loan to fit your unique needs and financial situation, whether you're purchasing a new home or refinancing an existing mortgage.

MORE INFO
about Home Loans & Mortgages

Refinancing

Want a better loan option? Is your Fixed Rate Mortgage ending soon? Let us help you assess your home loan to ensure that it’s still working for you.

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about Refinancing

First Home Buyers

If you're a first home buyer, there are currently multiple government grants available to you. We can help you work out if you're eligible or not! We love helping couples buy their first home.

MORE INFO
about First Home Buyer Loans

Reverse Mortgage

For people aged 60 and over. Access some of the equity in your home, without having to sell it or make regular loan repayments. The loan, plus interest, is generally repaid when you sell your home, move into aged care or pass away.

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about Reverse Mortgages

Business Finance & Loans

Take your business to the next level with Orchard Mortgage Brokers. We find you a loan to help you start or grow your business.

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about Business Finance & Loans

New Build Construction Loans

Build the home of your dreams with the right new build construction loan option. We can help navigate the loan process when building a new property. We do this step by step.

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about New Build Construction Loans

Equipment & Asset Finance

Need to update equipment & machinery in your business? With a variety of equipment & asset finance options, including chattel mortgages and hire purchase agreements, we can help.

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about Equipment & Asset Finance

Car Loans & Car Finance

Need a new car? We can help you find the right loan to fit your individual needs. We’re here to explain the different types of loans available & help you understand all costs.

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about Car Loans & Car Finance

Investment Property Loans

Want an investment property? Our team can assist you in purchasing an investment property, providing clear easy & friendly guidance for the entire process.

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about Investment Property Loans

Personal Loans & Finance

We can help you get a personal loan, whether you're consolidating debt, buying a caravan, financing a wedding or making home improvements.

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about Personal Loans & Finance

SMSF Loans & SMSF Lending

Looking to invest in property through your Self-Managed Super Fund? We can help you understand how SMSF loans work, compare lenders, and guide you through the entire process — ensuring compliance and a smooth investment journey.

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about SMSF Loans & SMSF Lending

5% Deposit
Home Loan

Find out if you qualify

Enquire about 5% deposit

First Home Buyer Incentives

Understand the options available to you and how to claim.

More info for first home buyers

Single Parent Loans 2%

Find out if you qualify

Enquire about single parent loans

Self Employed
Home Loans

We don't put you in the too hard basket.

Enquire about self employed home loans

Speak to our Mooloolaba Mortgage Brokers

When it comes to loans and finance you want genuine people to give you reliable advice.

That’s exactly what you get from the Sunshine Coast Mortgage Broker team at Orchard Mortgages. Committing to a mortgage or finance is a major decision that you want to get right, so start with the right guidance from our experienced mortgage brokers.

Ask advice.

Your Sunshine Coast Mortgage Brokers are here to guide you, what ever your scenario.

Our friendly team brings a wealth of experience, knowledge and solutions for people in all kinds of scenarios. Understand your options and start a conversation today.

Home Loans
Car Loans
Personal Loans
Business Loans
Construction Loans

Frequently Asked Questions

What is a mortgage broker?

Mortgage brokers are accredited professionals who help individuals find the best finance options. Working with a mortgage broker provides access to a wider range of loan and financing options.

Unlike banks, brokers source loans from multiple financial institutions to find the best option for their clients. Orchard Mortgage Brokers have access to more than 60 lenders who provide loans that will suit your financial circumstances.

What is the first home buyers grant?

The First Home Guarantee (FHBG) is an Australian Government initiative designed to help eligible first home buyers purchase a home sooner.

The FHBG enables eligible home buyers to buy a home with as little as a 5% deposit and no Lenders Mortgage Insurance.

A Participating Lender guarantees part of the eligible homebuyer’s home loan under the program.

Do you have loans for first home buyers?

Yes. We can help first time homebuyers throughout the entire process. Our team will be there to provide advice and support throughout your journey to homeownership.

Am I eligible first home buyers grant?

Our team is happy to help determine your eligibility for various government grants available to first time homebuyers. We find it rewarding to assist couples in purchasing their first home.

Customer insights

    
 
 
       Posted on Google  
   
   Trevor Wilson 
 19/09/2026
 
 
 Trustindex verifies that the original source of the review is Google. With a recent re finance of one of our rental properties, we were recommended Orchard Mortgage Brokers. Michael and Karen both exceeded expectations with additional proactive information and suggestions particularly when we had some additional title work conducted.

Extremely satisfied with what was an easy and pleasurable experience.
  
 
      Posted on Google  
   
   Jack Brisby 
 10/09/2026
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding experience from start to finish. I needed a car loan sorted quickly as I was returning from the UK with my family and the whole thing was done in a matter of days - application, approval, documents and funds, all without a single hiccup. The team led by Michael were fantastic: always available, answered every question straight away and actually picked up the phone when I called. Everything was explained clearly and nothing felt rushed or pushy, despite how fast it all moved. Genuinely one of the smoothest finance experiences I've had, and great value too. If you need a car loan and want it handled properly by people who actually care, this is where to go. Highly recommend.
  
 
      Posted on Google  
   
   Phil Raichle 
 18/08/2026
 
 
 Trustindex verifies that the original source of the review is Google. Great and competent team all around and really good to deal with.
  
 
      Posted on Google  
   
   Thomas Martel 
 17/08/2026
 
 
 Trustindex verifies that the original source of the review is Google. Working with Michael at Orchard Mortgage Brokers was an outstanding experience from start to finish. The entire home loan process was completely seamless, making what can often be a stressful time feel straightforward and manageable. Michael was incredibly prompt in all his responses, ensuring we were never left waiting for an update or an answer to our questions. Beyond his efficiency, he was genuinely friendly, approachable, and took the time to provide insightful advice that helped us make informed decisions. We truly appreciated his helpful guidance throughout the journey and would highly recommend him to anyone looking for a dedicated and professional mortgage broker.
  
 
      Posted on Google  
   
   Jaya Govender 
 14/08/2026
 
 
 Trustindex verifies that the original source of the review is Google. Great work. We were very happy with the prompt service
  
 
      Posted on Google  
   
   Kay Wills 
 13/08/2026
 
 
 Trustindex verifies that the original source of the review is Google. I am very happy with the professional crew from
Orchard Morgage Brokers Sunshine Coast they bent over backwards to obtain my loan and followed up every aspect on the way through,  I would certainly recommend them to everyone.
  
 
      Posted on Google  
   
   James Wendt 
 02/08/2026
 
 
 Trustindex verifies that the original source of the review is Google. Jacob, Karen and the team at Orchard Mortgage Brokers were fantastic to deal with. They make all of the process much simpler!
  
 
      Posted on Google  
   
   Howie Williams 
 22/07/2026
 
 
 Trustindex verifies that the original source of the review is Google. The staff at Orchard mortgage Brokers were very friendly and Professional and I would definitely use them again.
Thanks to all the Team
  
 
      Posted on Google  
   
   Peter Tame 
 16/07/2026
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience with Orchard Mortgages. Lana was incredibly helpful, explaining each step of the process and keeping us updated from start to finish. We can highly recommend and wouldn’t hesitate in using them again in the future.
  
 
      Posted on Google  
   
   Andy MacGillivray 
 12/07/2026
 
 
 Trustindex verifies that the original source of the review is Google. Michael, Karen, and the team at Orchard Mortgage Brokers were fantastic throughout our recent refinancing process. From the initial engagement with the team to the final settlement, things were efficient and seamless - the team helped us through every step of the way with clear guidance and they were always available to help with queries or with additional information to assist the decision making. Thanks again to the Orchard Mortgage Brokers team for all of your help.

Are you Looking for a Mooloolaba Mortgage Broker?

Whether you’re a first time home buyer or need to refinance, our team of Mooloolaba mortgage brokers will provide invaluable assistance. We also have an office in Paddington, Brisbane where our Mortgage Brokers service Brisbane based clients and have done so for many years.

We can guide you through the entire process, from understanding your budget and finding the right lender to ensuring you get finance that suits your individual situation.

What Types of Home Loans do Mortgage Brokers offer?

A mortgage broker in Maroochydore can offer a range of home loan products, such as fixed rate mortgages, basic variable rate mortgages, offset home loans, split home loans and more.

Our team at Orchard can also provide information about government grants for first-time home buyers and existing homeowners who want to refinance their existing loans.

We can explain the details of each loan option you’re considering, so you have a complete understanding of how they may impact your finances and future.

Benefit from our local knowledge of Maroochydore and Sunshine Coast Suburbs

Our local Maroochydore mortgage brokers have loads of inside knowledge of the neighbourhoods that make up the Sunshine Coast region.

Whether you’re looking for a beachside home, wanting to build your family in Buderim or Baringa, Palmview, or seeking out land values around Caloundra and Moffat Beach – we can put our local knowledge to use for you.

Our team can provide valuable insight into our favourite suburbs and property types to suit your budget and future needs.

Sunshine Coast Finance & Mortgage Brokers who will help you get the loan that you need.

Home
Loans

First Home
Buyer Loans

Construction
Loans

Car
Loans

Get in touch with Michael and our team of Mortgage Brokers

Take the first step towards finding your right finance solution and let us do the hard work for you.

Couple over 60, with graphics describing a reverse mortgage

Could a Reverse Mortgage Work for You?

September 30, 2026

Have you heard about reverse mortgages and wondered if one could work for you? What Is a Reverse Mortgage? A reverse mortgage is a type of loan available to homeowners aged 60 and over that allows you to access some of the equity in your home, without having to sell it or make regular loan

Graphivs showing the value of property falling. Labelled as a softer property market.

A Softer Property Market: What It Means for Home Buyers in Australia

July 13, 2026

Australia’s property market is moving through a softer phase. Rising interest rates, stretched home affordability, and the federal budget’s tax reforms have eased buyer demand. This is particularly evident across Sydney, Melbourne, and Canberra, where falling property prices have seen values drift lower since the start of the year. Conditions vary considerably by location, property type,

Are You Paying a Loyalty Tax on Your Home Loan?

May 15, 2026

Loyalty is an admirable quality; but when it comes to your home loan, sticking with the same lender for years could be costing you more than you think. Many borrowers unknowingly pay what’s often referred to as a home loan loyalty tax. This can show up as a higher interest rate than what new customers

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. [OPTIONAL based on content]. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

Buying a property? Refinancing?

We find you the right home loan