Business Details
14 Years
experience
Trusted Mortgage Brokers in Sydney
Loans and Mortgages has established itself as a leading mortgage brokerage firm in Australia, dedicated to providing tailored financial solutions for homebuyers, investors, and businesses. With over 8 years of collective experience in financial services, our team specialises in mortgage advice and planning, partnering with hundreds of lenders to deliver independent recommendations. We prioritise client needs through advanced software analysis, formal loan comparisons, and ongoing market updates post-approval.Our brokers are qualified professionals with industry-recognised certifications, ensuring compliance with privacy regulations and maintaining professional indemnity insurance for client protection. We serve clients across Australia, including major cities like Sydney, Brisbane, and Perth, with a focus on simplifying complex mortgage processes for first-time buyers, refinancers, and investors.
Services
Home Loans
Refinance Home Loans
SMSF Home Loans
Investment Mortgages
Personal Loans
Car Loans
Construction Loans
Debt Consolidation Loans
Franchise Finance
Details
- Year established: 2012
Highlights and features
- We offer free services for most residential loans
- Our team holds industry-recognised qualifications
- We work with 40+ lenders for competitive options
- We provide end-to-end support for complex cases
- We maintain professional indemnity insurance for client protection
Associations and certifications
- Finance Brokers Association of Australia (FBAA)
What people say
Smooth and easy process
Excellent customer support
Helped with complex approvals
Personalised service
Ongoing market updates
Services
Home Loans
Our home loan specialists help first-time buyers and investors secure competitive financing options. We offer fixed and variable rate mortgages with access to 40+ lenders. Our brokers analyse your financial situation to recommend optimal loan structures with features like offset accounts and redraw facilities. We specialise in complex cases including self-employed applicants and foreign citizens.
Refinance Home Loans
We help homeowners reduce repayments by finding better interest rates and loan terms. Our refinancing experts assess break costs, equity positions, and credit scores to determine optimal timing. We specialise in cash-out refinancing for debt consolidation and property upgrades while ensuring compliance with lender requirements and regulatory standards.
SMSF Home Loans
Our SMSF loan specialists assist clients in purchasing property through self-managed super funds. We explain limited recourse borrowing arrangements and help structure compliant investments. We work with specialist lenders to secure competitive rates while ensuring adherence to ATO regulations regarding investment purpose and fund solvency requirements.
Investment Mortgages
We provide tailored financing solutions for property investors, including interest-only options and portfolio structuring. Our brokers help maximise tax benefits through strategic loan configurations. We offer guidance on positive/negative gearing strategies and assist with portfolio expansion through refinancing and equity release techniques.
Debt Consolidation Loans
Our debt consolidation experts combine multiple high-interest debts into single manageable payments. We negotiate lower interest rates to reduce total repayment amounts. We provide budgeting guidance to prevent future debt accumulation and help improve credit scores through consistent repayment management.
People
Christine Eve
Founder & CEO
With over 15 years in financial services, Christine established Loans and Mortgages to simplify mortgage processes for Australian homebuyers. She leads our team of qualified brokers, ensuring compliance with industry regulations while maintaining a client-centric approach to mortgage solutions.
Jessica Brown
Founder & CEO
Jessica brings extensive mortgage broking experience, specialising in complex loan structures for investors and self-employed individuals. She focuses on maintaining our professional indemnity insurance standards and ensuring all recommendations align with clients' long-term financial goals.
Sunil
Mortgage Adviser
Sunil has helped over 250 clients secure home loans, specialising in first-home buyer assistance and expatriate mortgage applications. His expertise in government grants and deposit schemes makes him a key team member for clients navigating complex purchasing processes.
Questions
What does a mortgage broker do?
We act as intermediaries between borrowers and lenders, comparing loan products from multiple providers to find the best fit for your financial situation.
Should I choose fixed or variable rate loans?
Fixed rates offer repayment certainty, while variable rates provide flexibility. We can recommend split loans combining both benefits.
What deposit do I need for a home loan?
Most lenders require 20% to avoid LMI, but we can help secure 5% deposit options through government schemes or guarantor arrangements.
Can I get a loan with bad credit?
Yes, we specialise in helping clients with credit impairments by finding lenders that consider your full financial circumstances.
How much can I borrow?
Borrowing capacity depends on income, expenses, and credit history. We use advanced software to determine your exact borrowing power.
Do you charge for your services?
Our services are free for most residential loans as we receive commissions from lenders, with no additional costs to clients.
