MORTGAGE BROKER SOUTH YARRA VIC 3141
South Yarra's Mortgage Broker For Discerning Locals Who Want It Done Right
Buying, refinancing, or growing your property portfolio? We compare major banks, non-bank lenders and private lenders to find the right finance for you, and handle the whole process
Free service, at no cost to you
Access to 40+ lenders, not just one bank
Regular reviews to give you the best rate over time
Fast pre-approvals, so you know your borrowing power
Our Lending Partners
Whole-of-Market Comparison
We compare major banks, non-bank lenders and private lenders side by side.
No Cost to You
Brokers are paid by the lender, not by you.
Support, Start to Finish
From pre-approval to settlement, we handle the process.
Ongoing Loan Reviews
We check your rate every year, not just once.
"Fantastic service. My broker Ben is always responsive, professional, and has helped me navigate some financially complex situations. He's helped me with buying, selling, refinancing, building, lot consolidations, subdivisions, etc. Excellent!"
— Olia B, Google Review
Still on the Same Home Loan You Started With?
Most people set up their mortgage once and never look at it again. Meanwhile, interest rates move, lenders change their deals, and the property market shifts. If you haven't reviewed your loan in a while, chances are you're paying more than you need to, sometimes thousands of dollars a year. That adds up, especially if you're building a property investment portfolio and every bit of borrowing capacity matters.
The good news is that fixing it is simple. We compare your current loan structuring against the market, check your comparison rate against what's actually available right now, and work out where you're losing money.
Whether that means refinancing to a lower interest rate, consolidating debt, or setting up a split-rate mortgage that suits how you actually use your money, we sort it. Not sure where you stand? Run your numbers through our borrowing power calculator and we'll take it from there. No jargon, no pressure. Just a clear plan and a better outcome.
Process timeline
Getting Started Is Easier Than You Think
(You only need half an hour)
Chat & Compare
Tell us what you're after. We compare your options across our lender panel, including major banks, non-bank lenders and private lenders, and explain them in plain English.
Structure & Approval
We handle the paperwork, submit your application and manage the back and forth with the lender. You just provide the documents, about 20 to 30 minutes of your time.
Settle & Review
Once you settle, we don't disappear. We check in with annual reviews to make sure your rate still stacks up.
Stop Overpaying On Your Interest Rate
Get a free, no-obligation chat about your home loan, refinance or investment loan. We'll tell you exactly where you stand.
Client Story
Turning a Dream Home Into Reality
A family worked with Ben on the home loan for their new property in Rye. From the first meeting, what stood out wasn't just the technical know-how — it was the patience taken to make sure they understood every step of a process that can otherwise feel overwhelming.
Ben laid out a genuine range of options rather than pushing them toward one answer, and stayed responsive throughout, which took a lot of the usual stress out of buying. They later reflected that what made the difference wasn't only the professionalism, but the genuine care shown for their family's future — and that Ben worked hard behind the scenes to get everything in place for a timely approval.
The result: a family who are now proud homeowners, and a broker relationship built on more than just getting a deal done.
Ben was a fantastic broker who made applying for a home loan seem simple. He was very responsive, got us a great deal and did all the legwork for us. I would not hesitate to use him again.
—
Gemma-Jane Cooper, Google Review
Whatever You're Financing, We Can Help
Home loans, refinancing and first home buyer loans
Investment loans and property investment portfolios
Commercial lending, commercial and business loans, construction and bridging loans
SMSF loans, land loans, debt consolidation loans and equity access loans
For Property Investors, Not Just Homebuyers
If you're growing a property investment portfolio, your finance needs go beyond a standard home loan. We help you structure lending against rental yields and capital growth potential, so your borrowing works as hard as your properties do. That includes finance for commercial property, and lending set up correctly through a self-managed super fund if that's part of your strategy.
We also help make sense of government schemes that could reduce what you need to borrow, and can guide you through the guarantor process if a family member is helping you get started. With housing affordability tightening across Melbourne, having someone in your corner who actually understands the numbers makes a huge difference.
A Local Mortgage Broker Who Puts Your Best Interests First
We're based right here in South Yarra, close to South Yarra Station and the Royal Botanic Gardens, and we know Melbourne's property market inside out, from Como Park to Malvern East and across Melbourne City.
Whether you're an owner-occupier, a first home buyer, or growing your portfolio, we're on your side. We keep across suburb research and property reports so our advice is grounded in what's actually happening locally, not guesswork.
No cost to you, ever
Ongoing support after settlement
Australian Credit Licence holder, MFAA member
Access to major banks, non-bank and private lenders
Trusted by South Yarra homeowners and investors
Why Work With Us?
Platform Financial
Compare 40+ lenders, not just one
Free service, no cost to you
Fast pre-approvals
Honest advice, always in your best interests
Ongoing annual loan reviews
Local South Yarra knowledge
Help with home, investment and commercial lending
Guidance on government grants and schemes
Direct access to your broker, not a call centre
The Banks
Only offer their own products
May charge fees or add-on costs
Slow, drawn-out approvals
Sales-driven, not advice-driven
Set and forget, no follow-up
No local market knowledge
Limited to one or two loan types
No help navigating grants or schemes
Passed between different staff each time
Our clients can't believe the service
Who we are
We started Platform Financial because we were tired of watching people get treated like a loan number.
Banks sell you their own products. We don't have that conflict, as mortgage brokers bound by Best Interest Duty, we're only ever on your side of the table. That's not a slogan, it's a legal obligation we take seriously and a philosophy we built the business around: your outcome comes before our convenience.
We're a boutique operation on purpose. We could grow bigger and handle more volume, but that's not the trade-off we want to make. Staying boutique means every client gets real attention, someone who knows your file, your goals, and your name, from first conversation through to settlement and beyond.
Ben Mcdonald
Platform Financial Founder
Why clients stick with us
We're bound by Best Interest Duty — we only recommend what's genuinely right for you
We give you real options across a broad panel of lenders, not one bank's product list
We manage the entire process, start to finish, so it's not a second job for you
We review your loan regularly, not just when you buy or refinance
We build relationships, not one-off transactions
We stay flexible when your plans change — because they often do
We take the time to make sure you actually understand the process, not just sign at the end
Frequently Asked Questions
How much does it cost to use a mortgage broker?
Nothing. We're paid by the lender once your loan settles, not by you. It's a free service from start to finish.
How long does getting a home loan take?
It depends on the lender, but most loans settle within two to four weeks once we have your documents. We'll always give you a realistic timeframe upfront.
Do you only help first home buyers, or can you help with refinancing too?
Both, and everything in between. We help first home buyers, people refinancing, property investors building a portfolio, and business owners after commercial or business loans.
Can you help me consolidate debt or access equity in my home?
Yes. If you've got multiple debts or want to free up equity for a renovation or a new purchase, we can look at debt consolidation loans or equity access loans and work out the best structure for your situation.
Do you actually negotiate with the banks on my behalf?
Yes, that's a big part of what we do. We handle the expert negotiation with lenders directly, so you're not stuck on hold trying to get a better deal yourself. We also provide ongoing financial guidance well after settlement.
