Mortgage Brokers
across Australia
Mortgage broking from a team held to a best interests duty. With a heritage as Smartmove, now Viridian Lending. We compare lenders, negotiate the rate, and keep reviewing it long after settlement. From first conversation to settlement and beyond, you deal with the same team.
from over 1,000 Google Reviews Nationwide
Tell us where you are. We've helped someone start there.
Most people don’t arrive needing “a mortgage broker”. They arrive at a moment. An offer accepted. A fixed rate rolling off. A rate that stopped making sense two years ago. Pick the moment closest to yours.
First home
First home buyer schemes, the deposit gap, and what a bank's online calculator quietly leaves out. Getting to "yes, this much" before you fall in love with a place you can't have.
"Will we actually qualify?"
Upgrading
Bridging finance, a family-sized home, juggling the sale and the purchase without the panic. Moving up without losing the plot.
"We've outgrown this place."
Investing
Loan structuring, offset versus redraw, and what the accountant said versus what the lender will actually do. Your money, working harder.
"I want this paying me back."
Commercial
Owner-occupied premises, business cashflow, asset and equipment finance. Often the easiest pay rise a business owner will get all year.
"I'm pretty sure we're paying too much."
Refinancing
Two-yearly rate reviews, debt consolidation, and the loans that come later in the story: retirement bridging, parental guarantees, the loan that gets a child into a home. The decisions that come with hindsight.
One bank,
or the whole panel.
Most clients use two or three lenders over the course of a relationship, and rarely the one they started with. The right shape comes out of the strategy call, not a product menu.
Going to one Bank
- One product set. Their rate, their policy, their appetite.
- You fill in the form. You do the shopping. You do the comparing.
- “Computer says no”, without a reason you can act on.
- Nobody calls you when rates move.
Working with a Broker
- A panel of 30+ lenders compared inside one application.
- We structure it, negotiate it and chase it.
- If one lender won’t lend, we usually already know who will.
- Rate reviews built into the relationship, not left to you to remember.
29 brokers.
On first-name terms.
Every conversation starts with a strategy call. Thirty minutes, on the phone, nothing to fill in first. Find someone local, or someone who has settled the kind of loan you’re chasing.
Four moments,
not forty forms.
From first call to keys in hand is usually a matter of weeks. Then we stay. Every two years we look at the rate again, and move you when there’s something worth moving for.
The application
Pre-approval
Settlement
The reviews
Multiple products,
one team.
Most clients use two or three of these over the course of a relationship. The right shape comes out of the strategy call, not a product menu.
Questions to ask your Broker
What does a mortgage broker actually do?
A broker sits on your side of the table. We work out what you can borrow and on what terms, compare lenders across our panel, structure the loan, submit the application and manage it through to settlement. Then we keep reviewing it. A bank can only offer you its own products. A broker compares many.
What does a mortgage broker cost?
For most home loans there's no fee to you. The lender pays us a commission when the loan settles, and we disclose what we're paid in writing before you commit. Some complex, commercial or specialist loans carry a fee, and if yours does we'll tell you before you go ahead, not after.
How many lenders do you compare?
We work across a panel of lenders including the major banks, second-tier lenders and specialists. Which ones we shortlist depends on your situation. Two applicants with the same income can suit completely different lenders once you look at how they're paid, what they owe and what they're buying.
Will talking to a broker affect my credit score?
No. We model your position and shortlist lenders before any credit check happens. A credit enquiry is only lodged when you've agreed to apply to a specific lender. That's part of the point of using a broker: you don't have to apply to four banks to find out where you stand.
How long does pre-approval take?
Usually a matter of days once we have your documents, though it varies by lender and by how complex your situation is. We'll tell you what to expect at the strategy call rather than leave you guessing.
What if a bank has already knocked me back?
Come and talk to us. A decline usually reflects one lender's policy rather than your actual borrowing capacity. Self-employed income, recent job changes, casual work, credit history and unusual property types are all handled very differently from one lender to the next. Knowing which one to approach is most of the job.
Can my SMSF still borrow to buy property?
Not for residential property. From 10 August 2026, self managed super funds can no longer enter new limited recourse borrowing arrangements to buy residential property. Borrowing to buy commercial property inside an SMSF is unaffected, and arrangements entered into before that date continue under the old rules. If you have an existing arrangement or you're weighing up commercial, talk to us.
Do you stay in touch after settlement?
Yes, and this is where most of the value sits. We review your rate every two years, go back to your existing lender first, and refinance you when the numbers justify the move. Loans that are never reviewed quietly drift above the market. That's the whole business model of the lender you never hear from.
If that sounds like the kind of broker you’ve been looking for, let’s get the numbers right.
Thirty minutes. Phone, video or in person. No obligation. You’ll leave with at least one useful number, even if you never come back.