Business Details
13 Years
experience
Your Trusted Mortgage Brokers in South East Queensland
Established in 2013 by Megan Moffatt, Fresh Mortgages brings over two decades of financial industry expertise to South East Queensland. Our independent mortgage broking service prioritises client needs over institutional interests, offering tailored solutions through comparisons across 30+ lenders. With a focus on transparency and customer-centric service, we guide clients through every stage of property financingfrom first home purchases to investment portfolios. Our team's deep understanding of evolving lending criteria ensures clients secure optimal loan structures without upfront costs.Backed by Australian Credit Licence 389328, we combine regulatory compliance with personalised support to demystify the mortgage process. By handling administrative complexities and negotiating directly with lenders, we transform what's often a stressful experience into a seamless journey. Our repeat clientele and referral-based growth testament to our commitment to long-term relationships built on trust and results.
Services
First Home Buyers
Investment Property Loans
Refinancing Services
Off-the-Plan Property
House and Land Packages
Mortgage Comparisons
Details
- Year established: 2013
Highlights and features
- We are independent and can give you more options than your bank can
- We do all the work and fight to get it done
- Our service to you is free. We are paid by the lender you choose
- We compare over 30 lenders to find your best match
- Our experienced brokers handle the process from start to finish
Associations and certifications
- Australian Credit Licence 389328
- Credit Representative #451748
What people say
Stress-free process
Expert guidance
Personalised service
Enjoyable home buying
Constant updates
Services
Mortgage Broking
Our mortgage broking service compares over 30 lenders to find optimal loan structures. We handle application processes, negotiate terms, and provide ongoing loan management. Clients benefit from unbiased advice and zero upfront costs, with brokers paid directly by chosen lenders.
First Home Buyers
Specialised support for first-time purchasers navigating deposit requirements, government grants, and loan approvals. We simplify complex processes while identifying cost-saving opportunities. Our team ensures clients understand all obligations and long-term financial implications.
Investment Property Loans
Tailored financing solutions for property investors seeking portfolio growth. Services include cashflow analysis, tax-effective structures, and lender negotiations. We focus on maximising returns while managing risk across residential and commercial investments.
Refinancing Services
Comprehensive refinancing assessments identify potential savings through better interest rates or loan features. We manage exit fees, valuation processes, and new lender applications. Our approach ensures improved financial positioning without unnecessary complexity.
Off-the-Plan Property
Expert guidance for purchasing properties prior to construction completion. We assess developer credibility, contract terms, and future value projections. Our service includes coordinating finance approvals aligned with settlement timelines for new developments.
People
Megan Moffatt
Owner / Mortgage Broker
With 20 years in major financial institutions, Megan founded Fresh Mortgages in 2013 to prioritise client relationships over corporate interests. She specialises in transparent mortgage solutions and long-term financial planning.
Sheena Sparks
Loans Administrator
Sheena manages mortgage administration processes with extensive experience in lender coordination. Her focus ensures seamless documentation handling and client communication throughout the loan lifecycle.
Questions
What mortgage services do you offer?
We specialise in first home loans, investment properties, refinancing, off-the-plan purchases, and house-and-land packages across South East Queensland.
How are you different from banks?
As independent brokers, we compare 30+ lenders to find options tailored to your needs rather than pushing specific institutional products.
Is there a cost for your service?
Our mortgage broking service is free for clients. We receive commissions from lenders once loans successfully settle.
Can you help with difficult lending situations?
Yes, our brokers specialise in complex cases including self-employment, credit challenges, and unique property types.
How do I start the mortgage process?
Contact us for a free initial consultation via phone or email to discuss your property goals and financial situation.
Do you offer ongoing support after settlement?
We provide continued loan management assistance including refinancing reviews and portfolio growth strategies.
Reviews (4)
Noemi Arena
Jun 20, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Russell has been absolutely incredible and super available for us. He helped for the purchase of our first house and he was always very responsive and available to give advice and support. Totally raccomend him.
Russell has been absolutely incredible and super available for us. He helped for the purchase of our first house and he was always very responsive and available to give advice and support. Totally raccomend him.
Zoe Prophet
Apr 20, 2021
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Positive:Professionalism,Responsiveness,Value
I carried out a re-mortgage and a new application with Russell and he gave us exception advice and a speedy turnaround. Where we had questions he responded quickly and clearly. I would definitely recommend his services to friends and family.
I carried out a re-mortgage and a new application with Russell and he gave us exception advice and a speedy turnaround. Where we had questions he responded quickly and clearly. I would definitely recommend his services to friends and family.
Ross Ballester
Apr 05, 2021
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As a first time buyer I had no idea where to start. I wasn't sure how much a bank would lend me or if I'd be approved for a mortgage at all.
Russell has helped me, not just with getting a mortgage, but he's also advised me on the next stages and helped get me in touch with recomended solicitors. He's gone above and beyond and has made the whole process of buying a home so much easier for me. I'd highly recommend Russell and Fresh Mortgages, especially to any first time buyers.
Russell has helped me, not just with getting a mortgage, but he's also advised me on the next stages and helped get me in touch with recomended solicitors. He's gone above and beyond and has made the whole process of buying a home so much easier for me. I'd highly recommend Russell and Fresh Mortgages, especially to any first time buyers.
Sadia Ahmed
Feb 05, 2021
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We went through Russell at Fresh Mortgages for our first time purchasers Mortgage. He was polite, courteous and very responsive. We received the offer much faster than we expected. Even after completinghis part, he helped us with any queries. Would highly recommend him.
