Business Details
Your Trusted Mortgage Broker in Australia
Collective Financial Solutions has built a reputation as a trusted mortgage broking service dedicated to helping Australians secure competitive loan solutions. With access to over 50 lenders including major banks and non-bank institutions, our team specialises in matching clients with home loans, investment loans, and personal finance products tailored to their unique circumstances. Our brokers provide expert guidance through every stage of the loan process, from pre-approvals and refinancing to assisting first home buyers with the First Home Owner Grant.We prioritise transparent communication and client-centric service, ensuring customers understand their options while leveraging our industry expertise to negotiate optimal terms. Backed by an Australian Credit Licence and a track record of over 155 five-star Google reviews, we combine cutting-edge technology with personalised support to simplify complex financial decisions.
Services
Home Loans
First Home Buyers
Bad Credit Home Loans
Low Doc Loans
Construction Loans
Investment Loans
Personal Loans
Pre-Approval
Refinancing
SMSF Loans
Highlights and features
- We have access to over 50 lenders for competitive loan options
- Our brokers provide personalised guidance through complex loan processes
- Specialists in first home buyer assistance and First Home Owner Grant applications
- Proven track record with over 155 five-star Google reviews
- Expertise in non-standard loan scenarios including bad credit and low-doc applications
Associations and certifications
- Australian Credit Licence
- ABN
What people say
Extremely easy
Fantastic dealing
Smooth and timely manner
Knowledgeable and patient
Stress-free experience
Services
Home Loans
We specialise in sourcing competitive home loans from over 50 lenders, including major banks and non-bank institutions. Our brokers help clients navigate loan options with features like offset accounts, redraw facilities, and flexible repayment terms. With access to exclusive deals and smaller lenders offering low rates, we ensure tailored solutions for first home buyers, upgraders, and property investors.
First Home Buyers
Our first home buyer specialists guide clients through the entire purchase process, including First Home Owner Grant applications and 99.9% LVR loan options. We provide comprehensive advice on eligibility criteria, deposit requirements, and government incentives while negotiating competitive rates and terms with multiple lenders to suit individual financial situations.
Investment Loans
We help property investors access competitive investment loans with features like tax-deductible interest, equity release, and portfolio growth strategies. Our brokers specialise in structuring loans for both residential and commercial investments, providing guidance on loan-to-value ratios, cash flow management, and leveraging existing property equity for future purchases.
Refinancing
Our refinancing experts help clients reduce interest rates, access equity, or improve loan features by switching lenders. We analyse current mortgage terms against market offerings, manage the transition process, and negotiate better conditions including offset accounts, redraw facilities, and lower monthly repayments to help clients achieve financial flexibility.
Personal Loans
We source personal loans for various purposes including debt consolidation, home renovations, and major purchases. Our brokers connect clients with lenders offering fixed interest rates, flexible repayment terms, and features like redraw facilities. We specialise in matching applicants with suitable products based on credit history, income stability, and specific funding requirements.
People
Lisa
Mortgage Broker
Lisa has helped hundreds of clients secure home loans with her expert guidance and personalised approach. With extensive experience in mortgage broking, she specialises in first home buyer assistance and complex loan scenarios, consistently delivering smooth and timely outcomes.
Sam
Mortgage Broker
Sam provides knowledgeable mortgage advice with a patient approach to client needs. His expertise in refinancing and investment loans has helped numerous clients optimise their financial positions while maintaining transparent communication throughout the loan process.
Questions
What loan products do you offer?
We offer home loans, investment loans, personal loans, refinancing options, low-doc loans, and SMSF loans through our network of 50+ lenders.
How can first home buyers benefit from your services?
We assist with First Home Owner Grant applications, 99.9% LVR loans, and competitive rates while guiding clients through the entire purchase process.
Do you charge fees for your mortgage broking services?
Our standard broking services are typically commission-based through lenders, though specific loan products may involve service fees disclosed upfront.
How does the loan pre-approval process work?
We assess your financial situation and credit history to obtain a pre-approval letter from lenders, helping you understand your borrowing capacity before house hunting.
Can you help clients with bad credit histories?
Yes, we specialise in sourcing loan options for clients with adverse credit histories through our network of specialist lenders.
What areas do you service across Australia?
We provide mortgage broking services nationwide through online consultations and local lender networks in major cities and regional areas.
Reviews (5)
Cara Carson
Sep 24, 2021
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Lisa has been a great help to us, from our very first mortgage to refinancing. Always happy to help, Lisa goes out of her to be available and is quick to respond to any queries. Her in-depth knowledge of the industry and up to date information is particularly evident. Lisa made the process so easy for us and has managed to save us the stress, time and money!
Michaela Pitcaithly
Sep 14, 2021
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Positive:Professionalism
Lisa is always a pleasure to deal with. She made the process stress free and was always happy to answer any questions. Cannot recommend her enough! Thank you Lisa
Lisa is always a pleasure to deal with. She made the process stress free and was always happy to answer any questions. Cannot recommend her enough! Thank you Lisa
Allison Eskander
Aug 26, 2021
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Lisa is a wonderful finance broker. She has helped us on two separate occasions get approval for a home loan (in 2017 and 2021), even though our personal circumstances haven't been ideal. She is very professional, curteous, knowledgable, responsive and gets things done quickly. We would not hesitate to use her services again or recommend her to friends and family.
Brittany Hogarth
Jul 20, 2021
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Lisa has been nothing short of amazing. She provided us with detailed information on the process and was extremely transparent throughout. As first home buyers, the process is quite daunting, but Lisa was the consummate professional and highly respectful of our needs. She helped us find a suitable product, has always been available, and was incredibly supportive throughout the process. In addition, Lisa was outstanding when things were not going right for us; with a bank valuation coming in low, she helped us find a solution and reduce our concerns with ease. As a result, I have no hesitation in
Kim Rawlings
Jul 19, 2021
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Positive:Professionalism,Responsiveness
Lisa was a complete professional to deal with from start to finish. She is extremely knowledgeable in her area of expertise, gave sound advice, was excellent in all forms of communication. Made this process so smooth and easy. I highly recommend Lisa to anyone who is looking to apply and secure a mortgage.
Lisa was a complete professional to deal with from start to finish. She is extremely knowledgeable in her area of expertise, gave sound advice, was excellent in all forms of communication. Made this process so smooth and easy. I highly recommend Lisa to anyone who is looking to apply and secure a mortgage.
