Your home loan is the largest financial decision most people make, and the one banks treat most generically. We compare 90+ lenders and negotiate on your behalf, so the structure fits your life, not a lender's checklist.
Why use a mortgage broker instead of going to my bank?
A mortgage broker compares loans across dozens of lenders and negotiates for you; your bank can only offer its own products. Bluesky Financial Group compares 90+ lenders, manages the entire application and is paid by the lender you choose, so our service costs you nothing.
Your bank sees one version of you: the version that fits its policy. We see the whole market. Different lenders assess income, bonuses and existing debt very differently.
The same application can be declined by one lender and approved at a sharper rate by another. Knowing which door to knock on first is the job.
Buying your first home, upgrading, building or renovating - we handle the full journey:
One property is a purchase. Three is a strategy. We structure your lending so today's approval doesn't cost you tomorrow's capacity.
The single most expensive mistake investors make is maxing out their borrowing capacity on property one. Lender order matters: use the wrong lender first and you can lock yourself out of the market for years. We sequence your lending across the panel so each purchase preserves capacity for the next.
Structures across personal names, family trusts, companies and SMSFs, designed with your accountant before we approach any lender.
Banks reserve their sharpest rates for new customers, not loyal ones. Refinancing is usually worth reviewing if you haven't renegotiated your rate in two years, your fixed term is ending, or your equity has grown. Even a 0.5% rate difference on a $1M loan is roughly $5,000 a year.
Here's our promise: if your current bank is still your best option, we'll tell you, and we'll often get them to reprice your rate anyway. If not, we'll show you exactly what you're leaving on the table, in dollars, and manage the entire switch.
The best refinances restructure, not just reprice: consolidating debts, unlocking equity for the next purchase, resetting loan splits and offsets.
How a Kirribilli couple borrowed 100% of their investment purchase - using equity, not a cash deposit.
Strong income, but their equity sat across two lenders and a settlement date that wouldn’t move. We structured their $3.95M portfolio across three loan splits and cut their rate on the way through.
Read Jason’s case study →Borrowing capacity varies significantly between lenders, often by six figures on the same income. We calculate your true capacity across our panel in your first strategy session, free of charge.
Nothing. We're paid a commission by the lender you choose at settlement, and we disclose it in full before you commit.
With some lenders, 24–48 hours once documents are in. We'll tell you the realistic timeline for your situation up front, and we don't miss finance deadlines.
Often, but not always. It depends on cash flow, tax position and your plans for the property. We model both options with real numbers so you can decide.
Typically $300–$1,200 state-dependent government and discharge fees; some lenders offer cashback that more than covers it.
Broker fell through, 48hrs to deadline. We arranged approval in 24hrs - a first home and a $92K deposit saved.
A first-home buyer had exchanged unconditionally when their broker pulled out. We matched the file to the one lender that fit every piece and secured an unconditional approval a full day early.
Read James’s case study →Book a complimentary strategy session. We'll map your borrowing capacity, your structure options and the numbers on the property you're watching - before you make an offer, not after.
Call Jess to schedule a strategy session
with one of our brokers - 0474 471 489
Finance structured around your goals.