The Lending Team

Brisbane mortgage
brokers. Your broker
for life.

A mortgage broker in Brisbane, and one broker from your first call to settlement, with a team of five behind them so your file never waits on one person's diary. We put 35+ lenders in competition for your loan, and look at your rate every six months after.

Talk to a broker Check your current loan

260+

Google reviews5.0

35+

lenders on our panel
working for you

Why borrowers choose us.

Highly rated.

265 five-star Google reviews from clients helped through the loan process. We work to make every client our biggest advocate. Read them unedited below.

Access to 35+ lenders.

You don't have to go with the big four. With 35+ lenders competing, the loan gets shaped around what you're after, and the pricing gets sharp.

Know what the banks want.

Credit policies, assessment buffers, how applications are read: your file goes to lenders matched to your situation, with the issues cleared before submission.

We don't let your rate drift.

Settlement isn't the finish line. Every six months we review your loan against the market and go back to your lender if it's moved, so your sharp rate doesn't become an average one. Most clients get repriced without asking.

LINK Advance brokers working through a client's file at the Fortitude Valley office

Direct access to 35+ lenders,
not just the big four.

Majors, second-tier banks, credit unions and specialist lenders, all on the panel. When they compete for your loan, the pricing gets sharp and the policy gets flexible. Your bank can only ever offer you its own.

Whatever the loan, one broker owns it.

Two very different conversations, so pick your side and we'll show you the right desk.

Home loans.The big one, done properlyLearn more First home buyers.5% deposit paths and the $30k grantLearn more Refinancing.Or we make your lender price-matchLearn more Investment loans.Structure for the portfolioLearn more Bridging loans.Buy the next one before this one sellsLearn more Construction loans.Staged like the buildLearn more SMSF loans.Property inside superLearn more Doctors & professionals.LMI waived for eligible professionsLearn more

All personal lending

A young couple having coffee in the kitchen of their first home

First home in Queensland:
the money on the table.

Three government schemes stack for Queensland first home buyers right now, and most people we meet are only using one of them.

Callum runs the
first home desk.

Five years both sides of the lending desk, and most of our first home reviews name him.

$30,000

The QLD First Home Owner Grant for new builds. Check your eligibility in two minutes.

Run the eligibility check

$0 duty

Queensland abolished stamp duty for first home buyers building or buying new, from May 2025.

See what you'd pay

5% deposit

The First Home Guarantee: buy with 5% down and no lenders mortgage insurance.

How the guarantee works

Where the lending
actually gets hard.

Vanilla loans are easy and every broker can write one. The files that need a specialist are the ones where lender policy, not price, decides the answer.

SMSF mortgage broking is the clearest example: a bare trust, a limited recourse borrowing arrangement and a panel of maybe a dozen lenders who will touch it at all.

The same is true of investment property loans, where the structure you settle on decides how deductible your debt is for the next decade, and construction loans in Brisbane, where the money is released against the builder's progress claims and a missed valuation stops the build.

We also handle the bread and butter properly: refinancing your home loan (or making your current lender price-match), first home buyer loans with the Queensland grants stacked, and car and equipment finance structured around your tax position rather than the dealer's.

Three brokers, three specialities.

Hugh, Co-Founder & Director at LINK Advance

Every loan, fought for.

Hugh founded the desk on a simple idea: the broker who meets you should be the broker who writes your loan, drives the approval and picks up the phone two years later when the rate drifts. No hand-offs, no call centre, no file passed to someone you have never met.

A background in real estate and property brokerage means he reads a deal from both sides, which is why the negotiation tends to go our way.

Refinancing and the six-monthly repricing call
Complex applications the banks pushed back on
Buying and selling in the same window

Check your current loan

Refinancing Home loans Bridging loans

First home, done without the second-guessing.

Callum runs the first home desk, and most of our first home reviews name him. Five years on both sides of the lending desk, as a loan processor and as a broker, plus a Bachelor of Business majoring in Economics and Finance: he knows what the assessor is looking for before the file goes anywhere.

For Queensland first home buyers he sequences the whole stack, because the schemes interact and most people only ever claim one of them.

The $30,000 grant, checked against the real rules
Zero stamp duty on new builds since May 2025
5% deposit with no LMI under the First Home Guarantee
Investors building a portfolio, structured properly

Run the grant eligibility check

First home buyers First Home Owners Grant Investment loans

The lending other brokers find difficult.

Jacob runs the commercial desk. Business lending has no rate card: every deal is priced on the strength of its file, so the work is building that file the way a credit team reads it. Two years of financials and what they really say once add-backs are understood, the ATO position, the security, and what the money actually does.

Then it goes to the banks, non-banks and private lenders whose appetite fits your deal, and the pricing comes from competition rather than hope. The spread between lenders on the same commercial deal is routinely whole percentage points.

Premises purchases, including through your SMSF, at LVRs up to 80%
Working capital against invoices, equipment and trade
Acquisitions funded at 50-70% of maintainable earnings
Development finance at 65-80% of total development cost

Score your business file

Commercial lending Commercial property Development finance

From first coffee to settled,
with one broker accountable.

01
Chat
A conversation about what you're planning: deposit, income, timeframe, and what's realistic.
02
Numbers
Borrowing power, repayments, grants and the lender shortlist: your options in real dollars.
03
Approval
The application prepared the way credit teams read it, submitted to the right lender, chased daily.
04
Settled + repriced
We drive settlement with your solicitor and agent, then reprice your rate every six months after.

265 five-star reviews, and counting.

What our clients say.

Callum and the team were fantastic to deal with every step of the way. As first home buyers we really appreciated Callum's simple explanations of each part of the process and we couldn't be happier with the result.

Jack Purtill

Seamless experience dealing with Hugh and the Link Advance team to refinance our home. Thank you!

Kate Tinta

Jacob and the team at LINK Advance made buying our investment property quick and painless. Would recommend

Connor Mahoney

We’ve just bought our first home with the help of Callum and the team at LINK, and we couldn’t be more grateful. Callum went above and beyond, kept us informed every step of the way, and made the whole process feel easy and stress-free. Highly recommend!

hannah medley

Hugh has been amazing throughout the process of buying our new house. He is very approachable and knowledgable and went above and beyond what we expected to help us out. Thanks so much Hugh!

Ashlee Percival

Jacob was an efficient mortgage broker. The process was made simple and constant updates were communicated. Any questions asked were responded to timely. Highly recommend Jacob.

Zane Ratcliff

Building a house can be so stressful and overwhelming let alone dealing with the finance aspect of it, however with Callum it has been the exact opposite. He has been so patient and extremely helpful throughout the whole process. Highly recommend!

Dana Qureshi

Hugh Dellit was fantastic to work with and truly understood our needs when it came to applying for our first home loan. I would highly recommend him for his professional, kind and friendly service.

Prudence Krook

Jacob provided informative and friendly service every step of the way. He was a great comfort to us as first home buyers as we knew we were in good hands. Thanks for all of your help Jacob!

Genevieve Scanlan

Hugh and the rest of the team were excellent at securing us a home loan. Knowledgeable, friendly, very communicative and made the entire process stress free and easy. We can’t recommend Hugh and the rest of the team at Link Advance enough.

Michael White

Read all reviews Verify on Google

Worth reading before you borrow.

All articles

Mortgage broker vs bank: who actually gets you the better loan?Whose interest each one legally serves, how the pricing really works, and when the bank is the right answer.Read the guide

Refinancing your home loan after separation or divorceKeeping the house, releasing a name from the loan, and the order to do it in.Read the guide

Rentvesting: live where you love, buy where the numbers workThe strategy for buying an investment first when your own suburb is out of reach.Read the guide

Run your own numbers first.

Eleven tools, on screen, no email wall. Work out what you can borrow, what it costs, what the government takes and gives back, then bring the numbers to a broker who can move them.

All calculators and checks

Two LINK Advance brokers reviewing a loan on screen

We're here to provide
the best value to you.

Which starts with what a broker costs you. For home loans: you pay nothing. The lender pays a commission when the loan settles, and we disclose exactly what it is before you sign anything. The comparison across 35+ lenders, the negotiation and the six-monthly repricing call are all part of that.

For complex commercial work, where a fee can apply, it's quoted in writing before anything starts, and quoted against what it earns you: the lenders it opens up, the structure it gets right the first time, the rate it argues down. No surprises either way: since 2021 mortgage brokers owe you a legal Best Interests Duty. Your bank owes you nothing of the kind.

The full broker-vs-bank breakdown

Compared	Your bank	LINK Lending
Loans compared	Its own products	35+ lenders, including your bank
Legally serves	Its shareholders	You: Best Interests Duty
Your rate	The advertised one	Negotiated, with walk-away leverage
The paperwork	You chase it	Prepared and chased for you
After settlement	Nothing	Repriced every six months
Cost to you	$0	$0 for home loans, disclosed commission

Questions?
We're glad you asked.

What does a mortgage broker cost?

For standard home loans, nothing. The lender pays the broker a commission on settlement, which we disclose in full. You get the comparison across 35+ lenders, the negotiation and ongoing repricing without a fee.

Is it worth paying a mortgage broker?

For a home loan you don't pay one, so the question is really whether the service is worth using: a comparison across 35+ lenders, an application prepared the way credit teams read it, negotiation with walk-away leverage, and a repricing call every six months after settlement. For complex commercial work where a fee can apply, it's quoted in writing before anything starts.

Is a broker better than going to my bank?

Your bank can only offer its own products, assessed under its own policy. A broker compares 35+ lenders (including your bank) and knows which credit teams suit your situation before anything is submitted. Same loan, more competition for it.

What is the downside of using a mortgage broker?

Two honest ones. A handful of lenders only deal direct, so no broker panel covers absolutely everything. And a bad broker can chase the least demanding commission rather than the right loan: the law counters this (brokers owe you a Best Interests Duty; banks owe you nothing of the kind) and so does disclosure, so ask any broker how many lenders they accredit with and exactly how they're paid. We'll answer both before you ask.

Can you help if the bank said no?

Often, yes. A decline is one lender's policy, not a verdict: another lender can read the same file differently on income type, casual employment, credit history or property type. We start with why it was declined, then match the file to lenders whose policy actually fits, including guarantor, low-doc and specialist options where they make sense.

How long does approval take?

Pre-approval typically runs a few days to two weeks; formal approval after signing a contract usually one to three weeks. Lender turnaround varies constantly. Part of the job is knowing who's fast this month.

Do I have to come into the office?

No. Most clients run the whole process by phone, email and video, and loans settle Australia-wide. If you'd rather sit down over a coffee, the office is at Level 1, 57 Berwick Street, Fortitude Valley, with parking on site.

Do you only do home loans?

No. Home loans are the core, but the desk covers refinancing, investment lending, construction, SMSF loans, business lending and car/equipment finance. One broker, whichever lane you're in.

One broker, 35+ lenders, in competition for your loan.

Tell us what you're planning and a broker will call to map your options. No obligation. Most home loan broking is paid by the lender, not you.

Book my chat Switching brokers?

The LINK Advance brokers in Fortitude Valley

More than
just finance.

Part of LINK - multidisciplinary specialist services across property, wealth and business.

Advisors - The accounting Books - The day-to-day Wealth - The long game Living - The property LINK Collective

Brisbane mortgage brokers. Your broker for life.