Our reputation and achievements
Don't Risk Having Your
Home Loan Declined
Plenty of home loan applications never make it to settlement — wrong lender, wrong structure, missing paperwork. Don't take that risk.
We know the banks inside out
Our brokers have over 35 years of combined experience in the finance industry, including decades of banking experience, and have processed thousands of home loan applications.
We have a wide range of lenders on our panel and we intimately understand their credit policies. This means we know the problems you may face on your loan application and how to mitigate them when applying with any specific bank or lender.
Reducing risk of rejection
Unlike other brokers, Hunter Galloway completes our own internal credit assessment process before applying with any lender.
Your application will be assigned its own Credit Manager who reviews each application thoroughly before it is submitted to the lenders, meaning we won't apply with a lender who won't approve your loan.
Find out what options you have
Why Choose Hunter Galloway As Your Mortgage Broker?
- Mortgage Broker of the Year
in 2017, 2018 and 2019
- The highest rated and most reviewed
Mortgage Broker in Brisbane on Google
- 97% loan approval rate
across all applications we processed, 2024–2026
- We have direct access to 30+ banks
and lenders across Australia
Why do I need a broker if I can get a loan through my bank?
Just compare these two options when applying for a loan
Get a Loan with Hunter Galloway
- We take extra time up front to go through your full situation and provide a complete lending solution.
- Our brokers will look at your needs now and into the future, to make sure you have the best possible loan that looks after all of your needs.
- A mortgage broker acts on your behalf to arrange a home loan through a bank or lender. Australian banks and lenders have different policies and loan requirements, and it is a brokers job to find a loan from one of these parties that fit with your individual situation.
Applying directly to a lender
- Many banks have a "quantity over quality" policy, meaning that they care more about adding to their quota than about your financial future.
- Lenders can only offer you a limited selection of loan products. There's no guarantee that you're getting the best deal available.
- Due to the complexity of mortgage applications, sometimes even the bank staff don't know their bank's policies! This can lead to delays in your loan application, and in some instances your loan will get declined for no good reason.
Would you like to learn about your situation?
How much does it cost to use a broker and your services?
Our services are free for you on all home and investment loans. We get paid by the lenders for doing the work, collating your loan application and meeting with you. This work would otherwise be done by a bank manager or branch lender so you get access to the same rates as if you went to the lender directly — you don't pay more for using us.
The advantage for you is that unlike when dealing with one bank, we can help you work with a wider variety of lenders and get the best options that work for you choosing from our panel of over 30 banks and lenders!
All of Our Brisbane Mortgage Brokers are Accredited
As members of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA) we must uphold the highest level of excellence when helping clients with their finances.
The members of each organisation must meet a minimum standard in experience, education and ongoing training to maintain membership each year and as active members, we commit to upholding these standards, ensuring we maintain their high levels of compliance, integrity, and professionalism with all of our mortgage clients.
We appreciate our customers' feedback!
Here's what some of our customers say about our work.
I first used Hunter Galloway a few years ago to refinance my mortgage after our build was complete. Gabi was super friendly and knowledgeable and I really felt she was someone I could trust with a decision such as this. I have been continually liaising with them to make sure I've got the best available rate and package.
Heidi Pearson and Jayden Vecchio were amazing, supportive, responsive and extremely professional throughout the process. Heidi was on top of her work and there was never a single instance where I had to follow-up or was left uninformed. Her due diligence was always up to the mark.
We had an exceptional experience with Hunter Galloway, specifically Nathan and Gemma, during the purchase of our first home. Their professionalism, care, and patience throughout the entire mortgage process were truly commendable. They guided us seamlessly, addressing every concern with expertise and a personal touch.
Hunter Galloway is the most professional team I've ever had the privilege of working with. They have helped us with two home loan applications so far and their advice has always been clear, incredibly responsive and accurate.
I have just finalised my mortgage with Hunter Galloway. Professional from start to finish and extremely helpful in the process of securing the home loan. I highly recommended them.
Josh and the Team did an amazing job getting the preapprovals done quickly and efficiently within some very tight timeframes. A huge thank you for all your work with putting some urgency behind the mortgage pre-approval application.
Lenders on our panel
Learn if you are eligible for a loan
Questions and Answers
Support for First-Time Home Buyers in Brisbane
Navigating the complex world of real estate as a first-time buyer in Brisbane can be daunting. Our team of experienced mortgage brokers at Hunter Galloway specialises in assisting first-time home buyers in understanding their financial situation, exploring loan options, and guiding them through the home loan application process.
With a deep understanding of the Brisbane property market and a track record of helping first home buyers secure the best loan for their needs, we are here to support you every step of the way.
Valuation Issues & Credit Scores
One of the most common issues we see is with bank valuations. Getting a low valuation can cause a lot of problems, and may ultimately stop your property journey before it even begins.
We can order free upfront valuations with many of our lenders, meaning we can find out what your bank thinks your property is worth - and resolve any issues with shortfalls - way before applying with them for formal approval. This protects you from wasting time on unsuccessful applications and avoids damaging your credit file.
Credit scores can also be a major issues. You might not realise this, but applying for home loans automatically initiates a credit enquiry. Multiple credit enquiries over a short period - such as doing multiple home loan applications - can scare off some lenders.
That's why we do not apply with a bank until we have all parts of your loan application sorted and we know you have a very high chance of approval. It reduces the risk of damaging your credit score and has the added benefit of getting your home loan approved quickly!
Complex Credit Policy Pitfalls
Each lender and bank in Australia has a unique credit policy. For example, some lenders will accept your full income but others may not accept certain types of income due to their policy.
Quite often bank policy can be set in stone, and due to the complexity bank staff quite honestly don’t know it nor do many mortgage brokers in Brisbane. They are not familiar with complex situations and how to correctly assess them. This can sometimes cause it to take quite a long time to process your application and even in some instances mean your loan will get declined for no good reason.
With banks making their policies more and more complex it becomes more important to correctly package, and assess your application before it is even lodged with the bank – showing the banks all of the strengths of your home loan application and making sure it fits all of their policies.
At Hunter Galloway we have our own in-house credit team and we make sure your application is going to fit with the bank each time.
What Makes A Good Mortgage Broker?
A mortgage broker can be good, average, or bad. A good broker makes buying a home easy and stress-free.
They focus on your needs and financial situation to determine how much you can borrow. If any issues arise, they help resolve them or find a suitable lender.
A good broker explains different loan options and associated costs without pressuring you. They assist from pre-approval to settlement.
Even if you're not ready to buy now, a good broker provides ongoing support and tools for when you are ready.
They also ensure you have the best deal even after the loan is settled and help with refinancing if needed.
How Important Is A Broker's Experience?
Experience counts for everything in the finance world.
If you work with an inexperienced broker, there’s a much higher chance that they will make an error during your home loan process. They might tell you that you don’t qualify for a loan because they don’t know all of the lending policies of the banks. Or they might find you a home loan that isn’t really the best for you and your situation.
In a worst-case scenario, an inexperienced broker could cause your home loan application to be declined - either through a lack of knowledge, or a mistake in the home loan application process.
Experienced brokers know the lending policies of the banks inside and out. They know the loan application processes better, and they have the right connections with the banks and lenders who can help push things along in the application process.
Working with an experienced broker gives you the best chance of qualifying for a loan, and of finding a loan product that will give you the best rate.
It’s even better if your broker owns property themselves - that way you know that they have been through the home loan application process as a customer as well.
At Hunter Galloway, our brokers have a combined 35+ years of industry experience. They all own multiple properties so they know what things are like on the other side of the fence.
How Do I Find A Good Mortgage Broker?
There’s a good chance that you found this page by searching “mortgage broker brisbane” on Google. Searching on Google is a great way to find a mortgage broker, but that should just be the first step in the process.
You should also check their reviews, testimonials, and online presence.
We recommend looking at reviews on the following sites:
✅Google Reviews
✅Facebook Reviews
✅Product Review
Spend a few minutes reading the reviews to make sure they are made by real people, as some brokers will pay for fake reviews to boost their online presence.
Take a look at their website as well. Do they provide a wide range of educational material? Are they actively producing content? Does it look like they are staying on top of the latest developments in the home loan landscape?
Finally, arrange a time to speak with your broker. Do they treat you as a unique individual, or do they have a “cookie-cutter” approach? Are they able to explain the complexities of home loan finance in a clear, simple manner? Are they organised?
These tips will help you to find the right mortgage broker. For more tips on how to find the best mortgage broker in Brisbane, check out this article: 22 [easy] tips to find the best mortgage broker in Brisbane
When Is The Right Time To Speak To A Mortgage Broker?
You can speak with a mortgage broker at any stage during your search for a home - you don’t have to wait until you’ve signed a contract. In fact, we recommend reaching out to a broker early on in your home buying journey.
By speaking to a broker early on in the process, you can get some guidance about your borrowing capacity and your chances of getting approved for a loan. This can help give you a quick “reality check”, and most importantly, it gives you time to resolve any financial issues that could prevent you from getting a home when you’re ready to buy.
Why Choose Hunter Galloway As Your Mortgage Broker In Brisbane?
We’re not usually big on self-promotion here at Hunter Galloway. With over 1000, 5-star Google reviews, we like to think that our reputation speaks for itself.
That being said, there are some distinct advantages that we have over other brokers in Brisbane.
To start with, we have a big focus on education. We have written over 200 blog posts, published over 200 YouTube videos, created an 8-week online course, and even written a book for first home buyers — all focused on teaching you everything you need to know about buying a home and getting a home loan. We even have a weekly newsletter to keep you up to date with the latest developments in the finance world.
Another advantage we have is our size. With four brokers on staff supported by a team of two mortgage experts and six credit analysts, we are the perfect size. Small enough that you get personalised service and care, but large enough that we can stay agile and efficient.
Finally, Hunter Galloway has spent hundreds of hours and thousands of dollars on building the best possible home loan assessment and application process. Our internal credit team thoroughly reviews your application before the bank ever sees it, meaning that we catch any major issues early on in the process. Thanks to this process, 97% of the applications we process are approved (across all applications, 2024–2026).
What Is Important Other Than The Interest Rate On A Loan?
Interest rates are always the first thing that comes to mind when anyone thinks about home loans. And they are important - thanks to the wonders of compounding interest, a small reduction in your interest rate can translate into thousands of dollars saved over the lifetime of a 25- or 30-year loan.
But interest rates are not everything.
You also need to consider the features of the home loan. Is it fixed or variable? Does the loan have a redraw facility or an offset account? Are you able to make extra repayments? What are the other fees and charges involved?
The home loan with the cheapest possible rate is not necessarily the best loan for your unique situation. And if you’re not careful, the cheapest available home loan can actually cost you more than a slightly higher-rate home loan that’s better suited to your needs.
You need to take into account your goals for the property, your plans for the future, your lending preferences, and the loan features that you need. Then, look for the cheapest interest rate home loan that fits in with the rest of your financial situation.
Luckily, you don’t need to do it alone. That’s what we’re here for. When you work with Hunter Galloway, we will do all of the leg work for you. We will spend time with you to find out your goals and your finances, then we will go out to the home loan market and find the most suitable product.