About Quantum Finance Australia

Every lender has a product it wants to sell and a credit policy that decides who is allowed to have it. A bank branch can only ever give you that one bank’s answer to your question. We compare 40+ lenders, bank and non-bank, and that comparison is the actual work.

A franchised broker sits inside somebody else’s business. There are preferred lenders, volume agreements and a brand upstairs to keep happy. None of that applies here, which is why the recommendation you get is about your file and nothing else.

It also means we are free to tell you no. If a refinance will not save you money once the break costs, the new application fees and the reset loan term are counted, we will show you the arithmetic and suggest you stay put. That is a worse month for us and a better year for you.

• No franchise agreement, and no lender owns a share of the business
• 40+ lenders on the panel, bank and non-bank
• The broker you meet is the broker who writes and reviews your loan
• Advice you can act on, including the advice to leave things where they are

Broking since 2005 covers a fair bit of weather. A global credit crisis, a mining boom and the bust behind it, a pandemic, and then the sharpest run of rate rises in a generation. A file that was routine in 2015 is not routine now.

Assessment has become far more forensic in that time. Self-employed income, casual hours, study debt, a credit card you stopped using but never closed: each of them moves the number a lender will lend you. Knowing which lender treats which of them kindly is most of what twenty-one years buys you.

Over $1 billion has settled through the practice. The figure matters less than what sits behind it, which is a long line of files other brokers had already put in the too-hard basket.

The office is at 60/110 Cambridge St, West Leederville WA 6007, a few minutes west of the Perth CBD. It is an easy run in from the western and northern suburbs, and close enough to the city to fit around a work day.

Plenty of clients never come in, and that is completely fine. Most files run on phone, email and video, and the expat work runs entirely across time zones. The office is there for the people who would rather sit down with someone and go through it in person.

If that is you, ring 1300 813 113 or email gavin@quantumfinance.com.au and we will find a time. Tell us roughly what you are looking at and we will have something useful ready before you arrive.