Every lender reads you differently.
When Nathan bought his first home, he walked into the bank he'd been with since he was eight. They knew him, they had his salary history in front of them, and they still underquoted his borrowing power by hundreds of thousands of dollars. Their policy didn't know what to do with how his income was structured because of RSU's, Commission and Bonus's.
The lesson stuck: your borrowing power depends on who assesses you. Fifty lenders means fifty rulebooks, and someone on your side of the table needs to have read them all.
Nathan spent fifteen years in finance before broking — working with the leadership teams of major banks and, at American Express, alongside the CFOs of some of Australia's largest companies. It's a useful background: policy reads differently when you know who wrote it and why.
Free answers for strangers, on the record.
Nathan founded r/AskABrokerAus, Australia's largest mortgage-broking community. Every month, around 150,000 people come there to ask the questions their bank never answered properly.
Three rules. No exceptions.
The numbers decide
Every recommendation arrives as a comparison you can read for yourself: rate, structure and total cost, side by side. If the winning move is staying with your current bank, that is the advice you get, in writing.
Free means free
The lender pays us after your loan settles, and that commission is disclosed to the dollar before you proceed. You pay nothing, and your rate is the same or better than walking into the branch yourself.
Settlement is the start
Most loans are forgotten the day they settle, which is exactly when the loyalty tax starts. Rate Watch™ re-checks every client's rate against the market every year, free. The deal you signed should still be a good one in year five.
Accredited, licensed, accountable.
Linton Finance operates from Bella Vista in Sydney's north-west and works with clients Australia-wide by phone and video. Nathan is MFAA accredited and backed by AFG, one of Australia's largest aggregators, which is where the 50+ lender panel comes from.
Thirty minutes with Nathan beats thirty open tabs.
One free call: your real borrowing power, the schemes you qualify for, and the lenders that read your income best. The lender pays us, not you.