What does a mortgage broker do?

A mortgage broker helps you find and apply for a home loan by comparing lenders, negotiating on your behalf, and guiding you through the process.

How much do you cost?

We don't charge for our services. We are paid a commission by the lender when your loan settles.

Is it better to use a broker or go straight to a bank?

Brokers can access a wide range of lenders and products, often getting better deals than going directly to one bank. We also consider your key driver—whether it's speed, borrowing power, trust, SMSF, or casual employment—and match you with the lender most likely to approve your loan the first time.

Yes—we are licensed through ASIC and are a credit representative under an Australian Credit Licence (ACL). We’re also members of the MFAA, and Renee is a qualified MFAA mentor.

Can you help with refinancing my current home loan?

Absolutely. We help clients refinance for better rates, access equity, or switch lenders. We can also assist with purchases, construction loans, and renovation loans.

How many lenders do you have access to?

We work with over 50 lenders, including major banks, credit unions, and non-bank lenders.

Can you help first home buyers in QLD?

Yes—we can guide you through QLD-specific grants and incentives like the First Home Owner Grant, First Home Builder Grants, and stamp duty concessions.

How do brokers get paid? Is their advice biased?

Brokers are paid commissions by lenders, but must act in your best interests under the “Best Interests Duty” legislation. Good brokers, like us, are transparent about commissions and clearly show how much each lender pays.

Sunshine Coast Mortgage broker

You Can Rely On (We Guarantee It)

Are banks making it harder than it needs to be? We get it. At IKTB, we work for you, not them, backing you with smart loan solutions when others can’t. Sometimes, that means borrowing up to $200K more than you thought possible. No runaround. No suits. Just proper help.

Fast application submissions - typically within 24 hours once we’ve got your docs

No upfront cost - we’re only paid by the lender when your loan successfully settles

Guaranteed loan approval - or we’ll give you $500 cash for wasting your time

We cover your exit fees if you refinance - so switching doesn’t cost you

Fully local and qualified – no call centres, no offshore handballing

Book a chat, we’ll have things sorted before your next beach walk.

Get in touch

Let us know how we can assist.

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Need Financing? See Our Services

Click below to see our loans. Remember, best of all, we do not charge for our services! IKTB is only paid by the lender when we successfully settle your loan.

Sunshine Coast Mortgage broker

Need Financing? See Our Services

First Home Buyer Loans

Next Home Loans (Upgrade / Downsize)

Home Loan Refinancing

Investment Property Loan

Self-Employed Home Loan

Construction Loan (Build)

Debt Consolidation Loan

ATO Debt Consolidation Refinancing