MORTGAGE BROKER TOORAK VIC 3142
Toorak's Best-Kept Secret for Beating Rising Interest Rates
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
Exceptional communication
No obligation consultation & advice
We compare 40+ banks and private lenders
Our Lending Partners
5-star
Highly rated on Google
Based in South Yarra
10+ years
Of mortgage broking
Hundreds
Of home loans settled
"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
Why Toorak locals trust Platform Financial
Buying a home, refinancing, or growing your property portfolio takes time, and if you're like most people juggling a business, the kids and what's left of your social life, time is a precious resource.
That's where we come in and help.
Platform Financial is a mortgage broker, based just up the road, who takes the whole thing off your plate. Most mortgage brokers stick to a handful of lenders. We go through your credit and financial position, then compare mortgage products across dozens of banks and private lenders to find the one that fits.
You tell us what you want to do. We deal with the lenders, the paperwork, and the back and forth with the banks. And it costs you nothing, we're paid by the bank, not by yourself.
What we help with
Home loans for first home buyers and upgraders
Home loan refinance, so you're not stuck on a bad rate
Investment loan refinance and new investment loans for anyone serious about property investing
Strategic loan structuring built around your financial goals, whether that's one property or five
Real clients, real results
He was very responsive, got us a great deal and did all the legwork for us. I would not hesitate to use him again.
Ben Saved me thousands in negotiating the very best interest rate and was able to waive some of the bank fees.
WHY USE A BROKER
Why not just go straight to your bank?
Banks only offer their own loan products.
With over 10 years of real estate lending experience across Melbourne, we compare dozens of lenders and hand-pick the one that suits your financial position. Banks are also quicker to look after new customers than the ones already on their books, which is exactly why we check in on our clients every six months, so you're never the one they've forgotten.
Process timeline
Getting Started Is Easier Than You Think
(You only need half an hour)
Have a chat
Tell us what you're trying to do, buy, refinance, or invest. It takes about 30 minutes.
We compare your options
We go through banks, leading lenders and private lenders to find the loan products with the most competitive rates for you.
We handle the rest
Loan application, pre-approval, paperwork, and every bit of back and forth with the bank, right through to settlement.
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
The Value of a Long-Term Relationship
A separate long-standing client has now been through the loan process with us four separate times, across four different properties.
What kept them coming back wasn’t a single great rate. It was the pattern: every time, we sat down, looked at their full picture, and came back with real options rather than a single “take it or leave it” offer. Every year, we proactively review their loan, even outside of a new purchase, and more often than not, we find a sharper deal than what they’re currently on.
That's the outcome we aim for with every client — not just approval, but someone who keeps working for you long after the ink is dry.
We know the Toorak property market
We work across Toorak, South Yarra and the surrounding VIC 3142 area, so we know the local property market inside out. That matters when we're working out your borrowing capacity and building the right loan structure for your financial position and financial goals, not just running the numbers on a generic calculator.
Why Work With Us?
Platform Financial
We compare 40+ lenders and banks
Paid the same no matter which lender you choose
We handle the paperwork and the back and forth
No cost to you, ever
We check in every six months after settlement
A straight answer within 24 hours
Appointments to fit your schedule
Whole-of-market mortgage advice
The Banks
Only offer their own loan products
Treat new customers better than existing ones
Incentivised by the rate they sell you, not your outcome
You chase the updates and do the paperwork
Can come with fees or conditions
Rarely reviews your loan after settlement
Limited hours, limited flexibility
One lender's opinion, not the whole market
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
Stop overpaying & receive the lowest interest
One 30-minute chat with Platform Financial could save you thousands. No cost, no obligation, just a straight answer on your best option.
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
Frequently Asked Questions
Does it cost anything to use a mortgage broker?
No. We're paid by the lender once your loan settles, not by you.
Will you push me toward whichever lender pays you the most?
No. We get paid roughly the same amount by every bank we work with, so there's no reason to steer you anywhere except the best deal for you.
How long does it take?
Once you send us your info (about 30 minutes of your time), we can usually have things moving within a couple of weeks, depending on how busy the banks are.
What happens after I get in touch?
You'll hear back from us within 24 hours for a quick chat about what you're trying to do. No pressure, no obligation, just a straight answer.
Do you only deal with one bank?
No. We compare a wide range of lenders and private lenders so you're not stuck with whatever one bank offers you.
I'm a first home buyer, can you help?
Definitely. We'll walk you through pre-approval and the whole process in plain English.
What if I decide not to go ahead?
That's completely fine. The first chat is free and there's no obligation to use us afterwards.
Will applying affect my credit score?
We do the comparison work upfront, so you're not stuck submitting the same application to five different banks and racking up credit enquiries. We only move forward once we've found the right lender for you.
