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.

Read our Reviews

The Mortgage Broker Team

SUNSHINE COAST MORTGAGE BROKERS

At Orchard Mortgage Brokers, the team put their clients first. We work as hard as possible to get our clients get the best home loan or lending solution. We communicate clearly and explain everything step by step and have been helping Sunshine Coast locals for over 18 years.

Read on to hear what people have to say about their experience with Orchard Mortgage Brokers.

    
 
 
       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.

We have predominantly dealt with Michael and Karen in purchasing our first home and couldn’t be happier with their service. In what can be a pretty stressful time, Michael and the team made the process extremely manageable. I would thoroughly recommend their services to anyone at any stage.

Louis

Great experience with Karen and Michael. Clear communication and made the process very easy and simple. Highly recommended.

Rhys

Great company and great service. My loan application and approval process was flawless and Michael and Karen went out of their way to make sure everything ran smoothly up until and after settlement… I highly recommend them to anyone looking for a home loan.

Kate

Honestly thank you for everything you have done for Yass and I.

We, as first-time buyers, had no idea about pretty much 100% of this stuff and you helped explain in detail and helped us out a lot and we are so appreciative of you.

Niki-Lee

Thank you so much for all the help making this process smoother when things got stressful.

You and your team are such professionals and appreciate how above and beyond you have all gone for our family to make this dream a reality, without you, this wouldn’t have been possible.
Thank you!!!!!!!

James & Chenise

My partner and I have just purchased our first home through Orchard Mortgage Brokers and cannot thank them enough for all their help.

We heard about them through some work colleagues and the team exceeded our expectations over and over again.

You will not find a more dedicated, friendly, trusting team than these guys. Would highly recommend to anyone we know. Thanks Team!

Sarah & Zach

The team deserves more than 5 stars for their outstanding work.
My wife and myself are beyond happy for the service Orchard Mortgage Brokers have provided.

I strongly recommend this guys, they are amazing and you WON’T be disappointed

Yassine

Fantastic Service!

Natasha

I wanted to take a moment to express my deepest appreciation for the incredible support you and your team have provided throughout the refinancing and settlement process.

When I first approached you I was unsure whether I will be able to secure a loan for the land with the current market conditions and my personal circumstances. I am grateful for your and your team’s effort and dedication in securing a loan

I would also like to extend my gratitude to your entire team. They have been exceptional in their support and professionalism. Their contribution to the successful settlement of the land cannot be understated, and I am grateful for their hard work and commitment.

Thank you again for your remarkable support and wishing you continued success and happiness in all your endeavors.

Kurian & Ann

I am so glad I was able to work with you guys and I would 10/10 recommend you to my friends and family!

Caitlin and I are loving the house and I am beyond excited to finally be in here and settling down!!

Again, thank you all so much, 🙂

Hayden

The team at Orchard Mortgage Brokers are absolutely amazing!

On to every question we had, looked for the best bank to suit our needs and worked above and beyond to help us secure our home even with a tricky file!

I will be keeping them as my brokers most definitely.

Melanie

I have used Orchard Mortgage Brokers 3 times to buy property and wouldn’t go anywhere else.

The service is second to none with clear and timely communication.

They make the process so easy and take the stress out of it so you can look forward to owning your own home.

Lauren

Thanks again for ALL your help regarding the sale process, in a sick way it was fun!!

We couldn’t be more grateful & lucky to have met you guys and have ya’s in our corner!!

Cheers from me & the boys

Gav

The team were amazing to deal with. They were professional and friendly and made buying a home so easy. I will be letting everyone I know to use this business.

Renee

Buying your first home is difficult but I would Highly Recommend Orchard Mortgage Brokers!

So patient, thorough, helpful, never pushy and very approachable. They explain the very complicated home loan and settlement process in simple terms.

No question was a stupid question and most importantly I always felt prepared for the next step.. be it valuation, loan approval or settlement day.

Over the last few months the team has always been prompt with responses, provided the right guidance and gone above and beyond with support towards me.

I recommend them wholeheartedly and look forward to having the opportunity of future endeavours with them. Thanks a-lot again!

Alysha

Read our Reviews

The Mortgage Broker Team

SUNSHINE COAST MORTGAGE BROKERS

MORTGAGE
BROKERS

Location

Mooloolaba, Sunshine Coast

Paddington, Brisbane

Contact

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