Business Details
22 Years
experience
Your Trusted Mortgage Broker in Australia
Navigator Home Loans has been fostering lifelong client relationships since its founding in February 2001. Established by Managing Director Michael Platt as a contract mobile lender for St. George Bank, the business evolved into an independent brokerage in 2004 with a focus on personalized service. As a full member of the Mortgage & Finance Association of Australia (MFAA), we maintain rigorous professional standards through 25 annual hours of accredited education per consultant. Our team of Accredited Mortgage Consultants holds Certificate IV qualifications in Financial Services/Mortgage Broking, ensuring technical excellence without shortcuts.With over two decades of experience and 180+ 5-star reviews, we combine deep local market knowledge with access to 30+ lenders to deliver tailored solutions. Our Existing Client Advocate proactively monitors rates and negotiates on your behalf, while our annual review system ensures ongoing alignment with your financial goals. We operate with full transparency, offering no hidden fees and prioritizing long-term client success over short-term deals.
Services
Pre-Approvals
New Home Purchases
First Home Buyers
Debt Consolidation
Refinancing
Commercial Finance
Investment Loans
Car Finance
Renovations & Extensions
Construction Loans
Details
- Year established: 2004
Highlights and features
- We've maintained MFAA accreditation with 25+ annual training hours per consultant since 2004
- Our Existing Client Advocate proactively monitors rates and renegotiates on your behalf
- We offer transparent loans with no hidden fees or unexpected credit score impacts
- We match loans to individual circumstances through relationships with 30+ lenders
- We provide annual loan reviews and immediate support for changing financial situations
Associations and certifications
- Mortgage & Finance Association of Australia (MFAA)
What people say
180+ 5 Star Reviews
Foster clients for life
Speedy approvals
Transparent loans
Local insight
Services
Pre-Approvals
Our pre-approval service gives home buyers purchasing confidence by establishing borrowing capacity before property selection. We guide clients through three approval tiers from basic system assessments to fully assessed guarantees. Our brokers help navigate lender-specific requirements while maintaining credit score integrity. With conditional valuations and 3-6 month validity periods, we ensure timely property purchases without financial position changes compromising approvals.
New Home Purchases
We facilitate financing for standard and non-standard home purchases including construction loans and off-the-plan acquisitions. Our brokers structure staged funding for building projects while managing valuation risks in slower markets. For established properties, we streamline settlement processes through lender relationships. We specialise in navigating complex approvals for unique purchase scenarios while maintaining transactional momentum.
Debt Consolidation
Our debt consolidation service combines multiple liabilities into single mortgage products through equity utilisation. We help clients simplify repayments while managing potential term extensions and interest implications. By leveraging property equity, we create streamlined financial structures that reduce monthly obligations without creating new credit risks. Our brokers assess individual circumstances to determine optimal consolidation strategies.
Refinancing
We help homeowners optimise mortgage structures through competitive rate comparisons and feature assessments. Our service includes penalty calculations for early repayments and term optimisation analysis. We manage transition risks between fixed and variable rates while considering long-term interest implications. Our brokers negotiate with existing lenders while sourcing better market offers to ensure net financial benefits.
Commercial Finance
We arrange commercial financing up to 75% LVR for property development, equipment purchases, and business expansion. Our specialists assess risk/reward profiles and equity positions to structure viable funding packages. We connect clients with specialist lenders for complex transactions while maintaining compliance with commercial lending standards. Our service includes documentation support for full and low-doc applications across various business sectors.
People
Michael Platt
Managing Director
Michael founded the business in 2001 after starting as a contract mobile lender for St. George Bank. He holds Australian Credit Licence 436673 through Team Navigator Pty Ltd and maintains Authorised Credit Representative status (CR 399245). With over two decades in mortgage broking, he focuses on client relationship strategies and business development.
Jenny Platt
Co-Founder
Jenny co-established the loan planning firm with Michael in 2004. She contributes to client service strategy development and operational management. Her background in financial services supports the business's client-centric approach to mortgage broking and long-term relationship building.
Questions
What mortgage services does Navigator Home Loans offer?
We provide pre-approvals, home purchases, refinancing, debt consolidation, commercial finance, investment loans, car financing, and construction loans through 30+ lenders.
How does the pre-approval process work?
We explain three approval tiers, help choose appropriate options, and ensure conditional valuations meet lender requirements while maintaining credit score integrity.
Can you help first-time home buyers?
Yes, we guide first home buyers through process steps, budgeting considerations, and government grant applications while coordinating with third-party professionals.
Do you offer commercial property financing?
We arrange commercial loans up to 75% LVR with access to specialist lenders for property development, equipment finance, and business expansion projects.
How do you help with debt management?
We consolidate multiple debts into single mortgage products using property equity, simplifying repayments while maintaining financial stability.
What refinancing benefits exist?
We identify rate savings, feature improvements, and term optimisations while calculating early repayment penalties and long-term interest implications.
