Mortgage broker in our Perth office

What Do Mortgage Brokers Do?

A mortgage broker provides a comprehensive service by assessing your financial situation, finding suitable loan options from a wide network of lenders, simplifying the application process, offering expert advice, and negotiating favorable loan terms on your behalf.

As a mortgage broker with over 18 years of experience, I’ve dedicated my career to being the vital link between borrowers and lenders.

My role goes beyond merely facilitating mortgage loans; it’s about understanding your unique financial landscape and guiding you towards the loan that best fits your needs.

Let me walk you through what I do and how my expertise can benefit you in your journey to homeownership.

What I Do for My Clients

I provide a holistic service for my clients and make it my mission to be your trusted partner along your journey toward homeownership. In doing this, I:

Understand Your Financial Picture

My first step with any client is to get a clear picture of your financial situation.

This involves a thorough review of your credit score, income, employment history, and assets.

This process is crucial for determining your borrowing capacity and identifying the loan products that will suit you best.

Find the Right Loan for You

With access to an extensive network of lenders, I compare various loan products to find the one that aligns with your financial goals and situation.

I consider all critical factors, including interest rates, loan terms, fees, and repayment options, to ensure you get the most favourable deal for your needs.

Simplify the Application Process

Once we’ve selected the right loan for you, I’ll help you gather all the necessary documentation and manage the application process on your behalf.

I act as the liaison between you and the lender, ensuring a smooth and efficient process, and saving you the stress.

Provide Expert Advice

With nearly two decades in the mortgage industry, I offer in-depth advice on all aspects of mortgage lending.

Whether you’re weighing the benefits of a fixed-rate vs. an adjustable-rate mortgage or concerned about loan features and penalties, I’m here to provide clarity and guidance.

Negotiate on Your Behalf

One of the biggest advantages of working with me is my ability to negotiate loan terms with lenders.

My extensive experience and relationships within the industry allow me to secure better interest rates and possibly even get certain fees waived for you.

The Benefits of Using a Mortgage Broker

Mortgage broker discussing how they get paid on the phone with a client

To sum up the above, the benefits of using the services of a mortgage broker such as myself include:

  • Access to a wide range of lenders: My connections can open doors to loan options you might not find on your own, tailored to your unique situation.
  • Savings on time and effort: I take on the legwork of loan searching and application, freeing you up to focus on other important aspects of your home buying journey.
  • Benefit from my expertise: I bring years of experience to help you navigate the complexities of mortgage options and make informed decisions.
  • Personalised service: I pride myself on offering services that are as unique as you are, ensuring that your financial needs and goals are at the forefront of our search.


How do mortgage brokers get paid?

Mortgage brokers typically earn their income through commissions paid by lenders, not from their clients. To learn more, read our blog on how mortgage brokers get paid.

What is a mortgage broker?

A mortgage broker is a professional who acts as an intermediary between borrowers and lenders in the home loan process. They offer advice, source loan options, and assist with paperwork, making the mortgage application process easier for the borrower.

What regulations govern mortgage brokers in Australia?

Mortgage brokers in Australia are regulated by the Australian Securities and Investments Commission (ASIC) and must comply with responsible lending obligations under the National Consumer Credit Protection Act.

How can I ensure I’m getting the best mortgage deal through a broker?

It’s important to ask questions, understand the options presented, and consider seeking independent financial advice. Comparing different brokers and their lender networks can also help you find the best deal.


My role as a mortgage broker is to make your path to homeownership as smooth and successful as possible.

By offering personalised service, expert guidance, and access to a broad spectrum of home loan options, I aim to ensure you secure not just any mortgage, but the right mortgage for your future.

Choosing to work with me means partnering with someone who puts your financial well-being first, leveraging my years of experience to navigate the mortgage process with confidence.

Remember, securing a mortgage is a significant step in your financial journey, and I’m here to guide you every step of the way.

If you live in Australia and want the security of working with a mortgage broker borrowers trust to work hard for them, get in touch with myself and my team.

Gavin Harrigan

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With over 18 years in the finance industry, Gavin's wealth of knowledge relating to home loans is matched by few in Australia. This knowledge is reflected in his dozens of awards, including being inducted into the Plan Australia Hall of Fame. His qualifications include a Bachelor of Commerce from Curtin University for Applied Finance and Commercial Law and a Diploma of Finance and Mortgage Broking Management from AAMC Training Group.

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