One policy detail. Hundreds of thousands of dollars.
When Nathan bought his first home, he did what most of us do: walked into the bank he had held an account with since he was eight years old. They knew him. They had his salary history in front of them. And they underquoted his borrowing power by hundreds of thousands of dollars, because their policy did not know what to do with the way his income was structured.
Another lender, reading the same payslips under different policy, saw it instantly. Nothing about Nathan changed between those two meetings. Only the reader did.
That is the entire premise of this practice. Your borrowing power is not a fact about you; it is a fact about who assesses you. One policy detail should never cost a family the home they could have had, so someone on your side of the table has to read all fifty rulebooks. And that someone should answer their own phone.
Fluent in bank. Working for you.
Nathan's first career was inside the machine. As a corporate executive he worked with the leadership teams of major banks, and as a finance professional at American Express he worked alongside the CFOs of some of Australia's largest companies. Fourteen years in client-facing finance, watching how lending decisions actually get made.
That background changes what a broker can do for you. Policy reads differently when you know who wrote it and why. Pricing requests land differently when you have sat in the rooms where margins get set. When Linton Finance argues your case to a credit team, nobody is guessing how the other side thinks.
Two years after opening its doors, the practice lodges dozens of loans a month and holds a five-star Google rating across 50+ reviews, built almost entirely on referrals and one non-negotiable: customer experience comes before everything, including growth.
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: real policy, real numbers, no funnel, no pitch.
It also works as quality control. When your advice sits in public, next to your name, sloppy answers have a short life expectancy. Every client file gets held to the same standard.
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 Linton Finance 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. And if anything ever goes wrong, AFCA membership gives you a free, independent ombudsman. That is accountability a handshake cannot offer.
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.