Why choose Quantum Finance Australia
Quantum Finance Australia compares 40+ lenders against your circumstances, recommends the one that fits, and runs the application through to settlement.
The problem this solves is narrow and expensive. A bank branch can only ever give you that one bank’s answer, and a comparison site can only ever give you an advertised rate you may not qualify for.
It is written for anyone in Perth choosing between going back to their own bank and using a broker, and for people whose file has already been knocked back once. Lending is subject to approval and to your circumstances.
Why clients choose us
Six things that are true of this practice and not of every brokerEach one is about how the business is put together rather than about how hard we try. Structure is checkable; effort is not.
Nobody upstairs decides whose loan gets written
No franchise agreement, and no lender owns a share of the business. There is no preferred lender list and no volume agreement pointing your file at a particular bank.
40+ lenders, bank and non-bank
Two lenders looking at identical income can land a long way apart, because they treat overtime, bonuses, casual hours and existing debts differently. Knowing which is which is the actual work.
One broker, start to finish
The person who takes your first call prepares the application, deals with the lender and the valuer, and reviews the loan two years later. You never explain your income to a new person.
Files other brokers handed back
Self-employed income, an unusual security, a bank that said no without saying why. Lending has tightened and good borrowers get put in the too-hard basket more often than they should.
Named people with real credentials
Three brokers, all named on this site, all with their qualifications listed. Gavin Harrigan has been broking since 2005.
A review that actually happens
Rates move, fixed terms roll off and circumstances change. We come back to your loan rather than waiting for you to notice, which is the part a call centre never does.
An independent broker against a bank branch
What each one is structurally able to do for youThis is not a criticism of your bank. A branch offering only its own bank's loans is not a failing, it is the design.
An independent broker, here
- 40+ lenders compared against your circumstances
- Subject to a best interests duty when providing credit assistance
- In most residential cases paid by the lender on settlement, with the commission disclosed to you in writing beforehand
- Free to recommend that you stay exactly where you are
- The same person from first call to settlement and beyond
A single bank branch
- One lender's products, one lender's credit policy
- Staff selling their own employer's loans are not covered by that duty
- Staff who move roles and branches, so the file changes hands
- No obligation to tell you a different bank would have said yes
- A rate review that happens when you ask for one
The long version of this comparison, including how broker commission works and what the best interests duty actually obliges a broker to do, is in the mortgage broker versus bank guide.
What we will not do
The four answers you will get from us that you may not wantAnybody can list what they promise. The more useful list is the one a business is prepared to publish about where it will disappoint you, because that is the list a competitor cannot copy without it costing them something.
All four below are constraints this practice already operates under. None of them are aspirations, and each one has cost us work at some point.
We will not tell you to refinance when it does not stack up
If break costs, new application fees and a reset loan term eat the saving, you get the arithmetic and a suggestion to stay put. That is a worse month for us and a better year for you.
We will not publish a testimonial nobody wrote
The reviews on this site are the ones clients left on Google, rendered from that platform. There is not one written quote anywhere on the site, and there never will be.
We will not quote a rate without a date on it
A rate with no date is worse than no rate at all, because you have no way to judge whether it is current. Any figure shown here carries the month it was last checked.
We will not promise an approval
No broker can make a lender approve something it does not want to approve. Anyone telling you otherwise is selling you the one thing they cannot deliver.
What our clients say
The argument, made by people who are not usLeft on Google by clients we have settled loans for, and rendered here straight from that platform. We cannot edit them or take one down.
The proof behind the argument
Everything above, with something checkable under itA page like this is easy to write. These are the four things on it that can be verified without taking our word for any of them.
- Credit licence held in the business's own right
- ACL 389083Credit licence held in the business's own right
- Years broking, since 2005
- 21+Years broking, since 2005
- Settled across the practice
- $1 billionSettled across the practice
- Industry awards, each with its body named
- 13Industry awards, each with its body named
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any figures shown are estimates only. Lending is subject to approval, and to the lender's terms, conditions, fees and charges. Consider whether the information is appropriate for you before acting on it.
Get in touch
Put the argument to the testFour questions and you are done. Tell us what you are trying to do and we will tell you where you stand, including if the answer is not yet.
Would rather just talk?
Ringing is quicker than waiting for us to ring you, and you get a broker rather than a queue.
1300 813 113