Why the Majority Chose to Lift Rates

In the end, most members supported a 25-basis-point rise, largely because inflation remained too high and demand continued to run above the economy’s capacity. The sharp increase in oil prices wasn’t viewed as just another temporary pinch at the pump—it was feeding into broader inflation expectations. Estimates showed that if oil stayed around US$100 per barrel, petrol alone could push inflation to about 5% by June, noticeably higher than February’s forecast. To the majority, lifting the cash rate now was a strategic step to stop these pressures from becoming entrenched.

They also noted that financial conditions, though tighter than before, weren’t as restrictive as anticipated, while the labour market remained slightly hotter than earlier projections suggested. Even if monetary policy couldn’t prevent an immediate increase in fuel costs, the board felt it could help limit knock-on effects into wages and long-term pricing.

Why Four Members Wanted to Hold

Not everyone agreed that tightening was the right call. Four members leaned toward keeping rates steady, placing greater weight on the risk of slowing the economy more than intended. With household spending coming in weaker than expected late last year, they were wary that consumer activity in the March quarter could soften further. For them, the uncertainty surrounding global developments—especially conflict-driven supply shocks—meant waiting for more information might lead to a more precise policy response.

Some economists echoed this view, noting that the minority simply preferred patience while navigating an unpredictable landscape.

What Major Banks Expect Next

Despite the debate, both sides agreed that more tightening was likely ahead. Analysts across the big banks reviewed the minutes and reached similar conclusions: the March increase is part of a broader path. ANZ highlighted that the next meeting begins with a “clean slate,” while NAB pointed out the board’s readiness to keep pushing back against inflation if oil-driven pressures persist. Westpac has even updated its forecasts, now expecting increases across May, June, and August, which could push the cash rate toward 4.85%.

What This Means for Borrowers

For homeowners and anyone keeping a close eye on their mortgage, the minutes are a reminder of how quickly economic pressures can shift. Global events can influence local interest rates in unexpected ways, and the RBA is working to balance the fight against inflation with the need to support economic stability. Regularly reviewing your loan remains one of the most practical steps to stay prepared in a fast-changing rate environment.

If you’re unsure how these cash rate changes could affect your repayments or want to explore whether your current loan is still competitive, contact us. Our team is here to help you understand your options and stay ahead of the market.

The post A Big Cash Rate Warning: The RBA Isn’t Done Yet first appeared on Mortgage Brokers Brisbane Gold Coast.

Inflation Pressures Remain Persistent

Recent data from the Australian Bureau of Statistics shows annual trimmed mean inflation rising to 3.4% in the 12 months to January 2026, a slight uptick from 3.3% in December. This increase signals that underlying price pressures are sticking around, and inflation still hasn’t returned to the RBA’s preferred 2–3% target range.

What’s Driving the Rate Increase?

During a recent address, RBA governor Michele Bullock outlined several key factors influencing the Board’s decision. She pointed to stronger-than-expected private demand, a still-tight labour market and a gradual rise in near-term inflation expectations over the past six months. With demand continuing to exceed the economy’s supply capacity, the Board determined that further tightening is needed to steer inflation back toward target within a reasonable timeframe.

What This Means for Borrowers

For borrowers, every rate change is a reminder of how quickly financial conditions can shift. Rising rates can influence monthly repayments, borrowing power and lending sentiment—but they also present an opportunity to reassess whether a current loan structure still aligns with long-term goals. Even in a tightening environment, options such as refinancing, rate reviews or exploring new product offerings can help strengthen a borrower’s position.

With the cash rate now sitting at 4.10%, it’s an ideal moment for homeowners and future buyers to revisit their strategy. Ensuring your loan continues to work in your favour can make all the difference during uncertain periods. If you’d like support reviewing your options or understanding how this change may affect you, contact us today—we’re here to provide personalised guidance and help you move forward with confidence.

The post Australia’s Cash Rate Jumps to 4.10%: What You Need to Know Right Now first appeared on Mortgage Brokers Brisbane Gold Coast.

Experience and Convenience Remain Key Drivers

More respondents identified a broker’s market knowledge as a leading reason for seeking support, with growing numbers also highlighting how much easier and more efficient the lending process becomes when guided by a professional. While access to a variety of lenders is still important, borrowers are shifting their focus toward the quality of advice and the overall service experience.

Satisfaction and Trust Continue to Strengthen

The research shows that satisfaction with brokers remains exceptionally high, especially around communication and accessibility. Many borrowers felt that their broker acted in their best interests, and reported issues continued to decline. Trust also strengthened, particularly among those who had recently worked with a broker—reinforcing how positive interactions continue to shape industry confidence.

The Importance of Genuine Expertise

Although trust levels are strong, the study highlighted shifting borrower expectations. Concerns around communication, advice quality, and payment clarity have grown slightly, and many Australians are becoming more conscious of choosing a broker with genuine market experience. Despite these emerging pressure points, perceptions around mortgage brokers improved, with fewer borrowers feeling that their interests weren’t prioritised.

Loyalty Holds Strong Despite Rising DIY Options

Even as digital tools and direct-to-lender pathways gain traction, loyalty to brokers remains steady. Most respondents said they would use the same broker again, and referrals continue to be a major source of new clients. Women, in particular, were more likely to choose their broker based on a recommendation from friends or family. Meanwhile, increased interest in government initiatives such as Help to Buy is leading more borrowers to seek clear, personalised guidance.

If you’re planning to enter the market, refinance, or simply want clarity in a fast-changing environment, now is the perfect time to reach out. Contact us today and let our team guide you with the expertise, transparency, and personal support borrowers value most.

The post The Numbers Are In… and Brokers Are Leading the Way first appeared on Mortgage Brokers Brisbane Gold Coast.

It was a year marked by resilience, innovation, and adaptation — and borrowers continued to rely on brokers more than ever to navigate constant change. Here’s a look back at the stories that defined the industry in 2025.

New Government, New Housing Initiatives

Following Anthony Albanese’s landslide re-election in May, several major housing and small business policies took centre stage. The government expanded the 5 per cent Deposit Scheme, rolled out the Help to Buy program, and extended the $20,000 instant asset write-off. These updates helped strengthen borrowers confidence at a time when the market was still adjusting to higher living costs.

RBA Cuts Rates for the First Time Since 2020

One of the biggest shifts came in February, when the Reserve Bank delivered its first rate cut in four years, reducing the cash rate to 4.10 per cent. Two additional cuts followed in May and August, easing pressure on households and prompting many homeowners and borrowers to reassess their lending options.

Broker Market Share Hits Historic High

With confidence slowly returning, the broker channel reached record territory. Mortgage brokers were responsible for 77.6 per cent of new loans in the June quarter — the highest on record. Although the share dipped slightly later, the total value of broker-written loans set a new peak, highlighting the continued trust Australians place in broker expertise.

A Reminder of the Importance of Ethical Conduct

The industry also witnessed legal proceedings involving former director Joshua Fuoco, who was permanently banned from financial services and given a suspended sentence for targeting vulnerable clients. His case underscored the sector’s ongoing commitment to protecting consumers and upholding strong professional standards.

Tech Innovation Strengthens Broker Resources

A positive development came with LMG’s acquisition of The Brokers’ Bible, a digital tool used by brokers to access lender policies, scenarios, and AI-powered assistance. The platform will continue to operate independently, ensuring brokers across the industry can benefit from its resources.

Updates to HECS/HELP Assessment Rules

Student loan treatment was a major talking point in 2025 as the Treasurer directed regulators to modernise how HELP debt is assessed. Many welcomed the change, which aimed to make the mortgage process fairer for borrowers with student loans. Still, some questioned how it might affect long-term affordability and lender risk assessment.

NAB Winds Down Advantedge

One announcement that surprised many brokers was NAB’s decision to close its Advantedge brand. While new lending ceased from September, existing clients will transition to NAB-branded products in 2026 with no changes to pricing, fees, or commissions — and with improved digital banking features added during the migration.

ANZ–Suncorp Bank Integration Moves Forward

The long-awaited merger continued progressing, with ANZ confirming that Suncorp Bank will fully transition by June 2027. Leadership changes throughout the year signalled ongoing transformation within the enlarged organisation.

Aussie Becomes Lendi Group’s Lead Brand

Brand alignment was another major theme, with Lendi Group naming Aussie as its primary broking brand. Its Find.Buy.Own model — covering conveyancing, buyer’s agency, and partnerships — positioned Aussie as a more holistic solution for clients.

ASIC Signals Tougher Oversight

Regulation remained a key focus as ASIC reinforced that mortgage broking would be a top priority moving forward. With brokers now responsible for most home loans, the regulator emphasised stronger oversight of best interests duty compliance, complaints handling, and internal audits.

Leadership Shifts in the Broking Sector

Loan Market CEO David McQueen stepped down in October, with executive chairman Sam White stepping into the CEO role. The transition ensured business continuity while McQueen took time to explore new opportunities.

Brokers Face CSLR Levy Contribution

The federal government introduced a special $47.3 million Compensation Scheme of Last Resort levy for 2026. While the broking industry will only contribute 1.4 per cent, many groups argued that brokers were being asked to shoulder costs unrelated to their sector. The government has since signalled broader reform of the scheme.

Mutual Banks Join Forces

Consolidation in the mutual banking sector continued, with Qudos Bank and Bank Australia merging to form a group serving 300,000 customers and managing $18 billion in assets.

CBA Appoints New Third-Party Banking Leader

The Commonwealth Bank also made news with the appointment of Baber Zaka as general manager of third-party banking. His focus will centre on strengthening broker relationships and simplifying processes in the year ahead.

Looking Forward to 2026

Reflecting on 2025, it’s clear that the year brought meaningful change to Australia’s lending landscape. From policy updates and regulatory reforms to record broker activity and major industry transitions, brokers continued to play a crucial role in helping Australians navigate homeownership. As 2026 approaches, the industry remains committed to guiding clients through whatever comes next.

If you’re planning your next financial move in 2026 — whether it’s refinancing, purchasing, or simply reviewing your options — our team is here to help. Contact us anytime for support and tailored guidance.

The post A Big Year for Borrowers: The Moments That Shaped 2025 first appeared on Mortgage Brokers Brisbane Gold Coast.

How Rising Inflation Affects Interest Rates

For everyday Australians, this latest jump in inflation isn’t just a number on a chart — it directly influences the cost of living and, more importantly, the direction of interest rates. When inflation rises, it signals to the RBA that the economy might still be running hotter than ideal. As a result, rather than easing interest rates to give borrowers some breathing room, the central bank may decide to hold steady or even wait longer before making any cuts.

The Biggest Price Hikes Driving Inflation

The Australian Bureau of Statistics (ABS) reported that the Consumer Price Index (CPI) rose by 3.2 per cent over the year to September, driven by higher housing, transport, and recreation costs. Electricity prices surged 9 per cent during the quarter, contributing heavily to overall price growth. Annual electricity costs have jumped a staggering 23.6 per cent as several state government rebates have come to an end. Property rates and council levies also saw their largest rise in over a decade, pushing household budgets even further.

What This Means for Homeowners

For homeowners, this means the cost of running a home — from energy to council rates — continues to climb. Even though rental inflation has eased slightly, the broader picture remains challenging for both property owners and those looking to buy. A higher inflation rate often delays relief on mortgage repayments, since rate cuts are less likely when the economy still shows strong price pressures.

Banks Adjust Their Forecasts

The big banks have already adjusted their outlooks in response. The Commonwealth Bank of Australia (CBA) noted that the unexpected strength in trimmed mean inflation makes a rate hold more likely for a “prolonged period.” Westpac and Bendigo Bank have also hinted at pushing back their forecasts for the next rate cut, with some now expecting any movement to come as late as February 2026.

What Borrowers Can Do Now

For borrowers, this means the current higher-rate environment could stick around a little longer than hoped. It’s another reminder of how closely inflation and interest rates are tied — and how shifts in one can ripple quickly through household budgets. While this may feel discouraging, it’s also a good opportunity for homeowners to review their current loan, explore refinancing options, or speak with their broker about strategies to stay ahead of rising costs.

Inflation may be rising, but with the right advice and a proactive approach, homeowners and borrowers can still navigate the challenges and keep their financial goals on track — no matter what direction the next RBA decision takes.

Get in touch with our team today. We’re here to help you explore your options and find the right solution for your financial goals.

The post The Plot Twist No One Wanted: Inflation Makes a Comeback first appeared on Mortgage Brokers Brisbane Gold Coast.

For years, first home buyers faced hurdles like strict income caps, limited scheme places, and property price ceilings that didn’t reflect today’s rising housing costs. The new changes aim to remove these barriers and make home ownership more achievable, even in a competitive property market.

What’s Changing?

Here’s a breakdown of the updates that will roll out from 1 October 2025:

• Unlimited places – No more limits on the number of guarantees. Any eligible first home buyer with a 5% deposit can apply.
• No income caps – Higher-income earners are now included, meaning more buyers can access the scheme.
• Higher property price caps – Adjustments have been made to reflect current market conditions, especially in capital cities and regional hubs.
• Simplified access in regional areas – The Regional First Home Buyer Guarantee will merge into the broader First Home Guarantee, streamlining the process.

These changes mean that buyers can secure a home with as little as a 5% deposit while avoiding LMI, a significant saving that can help them get into their first property sooner.

Property Price Caps Rising

Property price limits will also increase significantly in many areas, bringing them closer in line with market values. For example:

• NSW capital cities and regional centres: from $900,000 to $1.5 million
• QLD capital city and regional centres: from $700,000 to $1 million
• VIC capital city and regional centres: from $800,000 to $950,000

These adjustments provide greater flexibility for buyers in markets where housing prices have surged.

What This Means for Buyers

The expansion of the Home Guarantee Scheme could be a game-changer. With unlimited places and no income restrictions, the scheme opens the door for a wider range of Australians to step onto the property ladder.

Instead of competing for limited scheme slots, buyers can now plan their property journey with more confidence. Regional buyers also benefit from a more streamlined approach, ensuring fairer access across the country.

Getting Started

From 1 October 2025, buyers can:

1. Review their eligibility using the updated online tool.
2. Check new property price caps for their area.
3. Apply through a participating lender.

The updates to the Home Guarantee Scheme aim to give first home buyers a fairer shot at home ownership, even in today’s high-priced market. By removing restrictions and expanding access, the scheme supports more Australians in turning the dream of owning a home into reality.

Thinking about buying your first home? Now could be the time to prepare. Contact us today to explore your options and take advantage of these upcoming changes.

To find out more about the Scheme, and view our Frequently Asked Questions, visit the Housing Australia website here.

The Housing Australia Investment Mandate Amendment to effect these changes can be found here.

Note: These changes are not effective until 1 October 2025. The Home Guarantee Scheme is still available for borrowers to access today with the current eligibility criteria and price caps.

To read the Australian Government announcement, click here. 

The post Unlocking Doors: Big News for First Home Buyers first appeared on Mortgage Brokers Brisbane Gold Coast.

A Trusted White Label Funder Comes to an End

Advantedge, a division of NAB, has long been a key player in Australia’s mortgage market, funding simple, cost-effective home loans through a range of aggregator-branded products. These include well-known offerings such as AFG Home Loans Edge, Mortgage Choice SmartSelect, Loan Market’s Go Edge, Connective Essentials, Astute Simplicity, and Yellow Brick Road Home Loans Select.

Originally established as Challenger Mortgage Management before becoming Advantedge, the lender built its reputation on streamlined processes, digital service, and competitive pricing. Over the years, it has helped brokers offer clients a compelling alternative to traditional bank-branded loans.

Key Dates and What’s Changing

According to NAB’s announcement, Advantedge will stop accepting new loan applications from 30 September 2025. While borrowers will still be able to request changes—both credit-critical and non-credit-critical—beyond this date, a cut-off for all variations is expected to follow in due course.

From 2026, existing Advantedge customers will be gradually transitioned to NAB-branded home loans. During this time, all servicing requests will continue to be handled as normal. However, once a loan is moved over to NAB, all future servicing will need to go through NAB’s systems and teams.

Importantly, NAB has confirmed there will be no changes to commissions or clawbacks, and the online servicing platform StarNet will remain available until further notice. This assurance will come as a relief to brokers currently managing large books of Advantedge clients.

Why Is NAB Making This Change?

NAB says the decision reflects its commitment to enhancing the customer experience by offering more features, greater flexibility, and improved digital tools under its own brand.

In a message to brokers, the bank explained:

“Customers will benefit from additional features, including access to up to 10 offset accounts, transactional banking, and expanded functionality via the NAB App.”

The move also aligns with NAB’s broader strategy to focus on proprietary lending channels. CEO Andrew Irvine has previously outlined plans to increase direct lending activity, and NAB’s latest financial results suggest that strategy is well underway.

A Shift in Strategy Backed by Data

NAB’s half-year financial results for the six months to March 2025 revealed that proprietary lending is on the rise. New NAB-branded home loans (excluding UBank) increased 25% year-on-year, reaching $16.6 billion.

At the same time, loans originated through the broker channel dropped from 64.6% to 59.6%—an 8% decline. This indicates a clear shift in distribution preference, with NAB doubling down on channels it can more directly control and integrate.

For some in the broker community, this pivot has been met with disappointment. Many brokers rely on white label lending options to offer clients more tailored or cost-effective solutions. The closure of Advantedge reduces that diversity in the market.

What This Means for Brokers and Borrowers

For brokers, the next 12 to 18 months will be critical in terms of client communication and planning. Existing Advantedge customers will receive updates and notifications, and their loan documents will be reissued under NAB branding.

Fortunately, NAB has stated that interest rates, fees, and charges will remain the same during the transition. AFSH Nominees will continue acting as an agent and credit representative of NAB until all loans are fully transferred.

Meanwhile, NAB is promising to keep brokers, aggregators, and customers informed at every step through regular updates and milestones.

Looking Ahead

Although change can be challenging, it also brings opportunity. NAB’s shift toward proprietary lending and enhanced digital capabilities may open new doors for borrowers seeking more functionality, and for brokers who adapt quickly to the evolving lending environment.

As this transition unfolds, staying informed and proactive will be essential—for brokers looking to maintain strong client relationships and for borrowers seeking clarity around their loan’s future.

If you currently hold an Advantedge loan or are unsure how this transition may affect your lending options, we’re here to help.

Get in touch with us today to review your current home loan, explore refinancing opportunities, or simply get clear answers on what to expect. We’re committed to supporting you every step of the way during this industry shift.

The post NAB to Retire Advantedge: What It Means for Borrowers and Brokers first appeared on Mortgage Brokers Brisbane Gold Coast.

Why Did the RBA Cut Rates?

The decision was influenced by several key factors:

• Inflation Trends: The annual trimmed mean inflation decreased to 2.9%, aligning with the RBA’s target range of 2–3%. Headline inflation also saw a decline, indicating that previous rate hikes have been effective in curbing price pressures.
• Economic Outlook: The RBA’s May 2025 Statement on Monetary Policy highlighted concerns over global trade tensions and their potential impact on Australia’s economy. The central bank anticipates a modest rise in unemployment to 4.3% by the end of the year and projects economic growth to reach 2.1% by late 2025, which is below earlier expectations. Reuters
• Global Risks: Escalating global trade tensions, particularly those stemming from U.S. tariffs, have been identified as significant downside risks to the Australian economy.

Implications for Borrowers and Savers

Mortgage Holders: With the cash rate reduction, borrowers can expect a decrease in variable mortgage rates. Depending on the loan amount and terms, monthly repayments could reduce, offering some financial relief.

Savers: Conversely, savings account interest rates are likely to decline. Major banks, including NAB and Westpac, have already announced cuts to their savings account rates by 25 basis points, aligning with the RBA’s decision.

Looking Ahead

Economists suggest that further rate cuts may be on the horizon, contingent upon ongoing economic indicators. The RBA remains committed to monitoring inflation trends, employment data, and global economic developments to inform its future decisions.

Understanding how these changes affect your financial situation is crucial. Whether you’re considering refinancing your mortgage, exploring investment opportunities, or seeking to optimize your savings strategy, we’re here to help.

Contact us today to discuss your options and make informed decisions in this evolving economic landscape.

The post Cash Rate Drops to 3.85%: Time to Rethink Your Mortgage? first appeared on Mortgage Brokers Brisbane Gold Coast.

A Year of Stability

The cash rate has remained steady for over a year since its last increase in November 2023. Economists widely anticipated this decision as the RBA continues its efforts to bring inflation back within its target range of 2-3%. Encouragingly, recent data indicates progress: the consumer price index (CPI) returned to the target range for the first time in over three years in the September 2024 quarter. However, measures of underlying inflation still sit at 3.5%, suggesting there is work to be done.

According to the RBA’s November Statement on Monetary Policy, inflation is not expected to sustainably reach the midpoint of the target range until 2026. Despite this, RBA Governor Michele Bullock highlighted optimism, stating, “Our forecast suggests that growth will start to pick up as real disposable incomes increase over the coming year, and that inflation will continue to decline.”

What This Means for Borrowers

While the RBA’s decision may not feel like the festive gift borrowers hoped for, it provides an opportunity to prepare for the anticipated rate cuts in 2025. Industry leaders are advising mortgage brokers and borrowers alike to plan ahead.

One industry leader noted, “With the likelihood of rate cuts in the coming year, brokers need to proactively manage and communicate with their customers. Consumers will be looking to reduce their mortgages once there is movement, and brokers should be ready to assist.””

Another expert echoed this sentiment, urging brokers to stay connected with their clients during this period of transition. They emphasized that the RBA’s caution is understandable, given the impact of factors such as government energy rebates, which have temporarily eased inflation.

Looking Ahead to 2025

Major banks have adjusted their forecasts for the first rate cut, with most now predicting it will occur in May 2025. However, the Commonwealth Bank (CommBank) remains an outlier, forecasting a cut as early as February 2025, provided inflation data supports such a move.

For brokers, the anticipated rate cuts represent both a challenge and an opportunity. Another industry figure advised brokers to leverage this time to prepare for shifting market conditions, stating, “Clients will have questions about how these changes affect their financial decisions. Brokers who stay close to their clients and provide tailored advice will be best positioned to guide them.”

A Resilient Market

As we head into 2025, the focus remains on stabilizing inflation and navigating a high-interest-rate environment. The RBA’s decision to hold rates reflects a cautious but optimistic outlook, with potential rate cuts on the horizon. For borrowers and brokers, preparation and proactive communication will be key to navigating the shifting landscape effectively.

Don’t wait for rate cuts to begin planning your financial future. Whether you’re looking to reduce your mortgage or explore other financial opportunities, now is the time to act. Contact us today to discuss how you can stay ahead of the market and make informed financial decisions for 2025.

The post RBA Holds Cash Rate Steady but Signals Potential Cuts in 2025 first appeared on Mortgage Brokers Brisbane Gold Coast.

Residential Market Sees Notable Surge

Residential properties make up more than 96% of these new loans, with particularly robust growth in Queensland and South Australia, reporting increases of 19.7% and 17.3%, respectively. The rise in residential lending points to a growing confidence among homebuyers, likely fueled by stabilized interest rates and greater accessibility in some regions. These favorable conditions encourage both first-time buyers and investors, helping to revive the housing sector.

Commercial Loans Regain Momentum

Although residential properties are leading the charge, the commercial sector isn’t far behind. Commercial loans showed a marked increase in New South Wales, Victoria, and Queensland, where demand is highest. This uptick signals renewed optimism in the commercial real estate sector as businesses look to expand or secure new premises, spurred by tax incentives and infrastructure developments in major cities.

Economic Factors Fueling Loan Uptake

The surge in loan activity corresponds with improving economic indicators, such as recent income tax cuts, which are giving Australians more disposable income. These economic measures seem to be fostering greater confidence, enabling more people to pursue property purchases. Additionally, financial institutions are responding to the uptick in demand by adjusting fixed mortgage rates downwards, potentially anticipating rate cuts that could further invigorate the market.

The Road Ahead: What to Watch

While new loan volumes are rising, consumer sentiment remains cautious, influenced by economic shifts and inflationary pressures. However, the proactive approach by lenders to lower fixed mortgage rates is a promising sign, suggesting an optimistic view of the market’s resilience. If these rate adjustments continue, potential buyers and investors may see even more favorable conditions, potentially sustaining the current trend into 2025.

Australia’s property market shows signs of resilience, with positive growth in both residential and commercial loans indicating renewed interest and confidence. As the market adapts to evolving economic factors, this momentum could signal a promising period for homeowners, investors, and businesses alike. Whether you’re considering buying a home or investing in commercial real estate, this could be an opportune time to explore your options in a strengthening market.

As the Australian loan market gains momentum, now could be the ideal time to explore your property financing options. Whether you’re a first-time homebuyer, an investor, or looking to expand in the commercial sector, understanding these market trends is key to making informed decisions. Contact us today if you need assistance navigating your next steps in this evolving landscape. We’re here to help you make the most of this period of growth and opportunity.

The post Australian Loan Market Sees Growth: Insights from September 2024 Quarter first appeared on Mortgage Brokers Brisbane Gold Coast.