What is a mortgage adviser (and why use one)?

Around 40% of all home loans are put in place by professional mortgage advisers. There’s a reason. 

House hunting can be a fun adventure, and like any adventure, it may have its own twists and turns, bumps and pits. 

The key things to consider are almost too many to mention, and of course, getting the right mortgage for your needs is one of them. 

But the good news is, you don’t have to go it alone: a good Mortgage Adviser (like the Cole Murray Team) will go the extra mile to help you make your home-ownership dream come true.

So if you’ve ever wondered what Mortgage Advisers are, and how they can assist you, read on…

A mortgage adviser is… a true specialist when it comes time to borrow

As home loan specialists, Mortgage Advisers know the market inside and out. They are experts in their field, always keeping up-to-date with the latest interest rates, market conditions, and application processes.

In a nutshell, a Mortgage Adviser is there to help you navigate the uncharted waters of your home loan’s small print. What you get in return is a mortgage that’s tailor-made to suit you, now and over time.

A mortgage adviser is… a time-saver by trade

With a mortgage adviser in your corner, you don’t need to spend hours browsing every lender’s website looking for the most affordable rates and options. Knowing the lenders and criteria, a home loan specialist can help you find the right lender for your circumstances, including bank and non-bank options. This will save you time and effort, allowing you to focus on finding the right property and organising your house move. 

Remember: home loans are long-term commitments, so it’s important not to rush into a decision. If you feel that you don’t have enough time under your belt to understand your options, a mortgage adviser can be a great help.

A mortgage adviser is… your negotiator

One thing that’s often misunderstood about mortgage advisers is that they don’t work for the lender. They work for you and negotiate with the lenders on your behalf, to help you find the right options for your unique circumstances, goals and challenges.

A mortgage adviser is… a soundboard and a mirror

Working with a mortgage adviser is not a one-off transaction: it’s an ongoing relationship. You are in your mortgage for the long haul, and we’ll be with you every step of the way.

From the day you engage with an adviser to the day you pay off your loan, we are by your side – answering your questions, sharing our expertise, listening to your concerns and making your financial needs count.

A mortgage adviser is… a professional that comes at no cost to you

Our standard Mortgage Advisory service is provided free of charge as we are remunerated (paid) by the banks*. This makes advice accessible for everyone, not just the wealthy.


If you’d like to navigate your options for the first time or want to give your existing home loan a ‘health check’, please don’t hesitate to reach out to us.

We’re here every step of the way – whether it be your first home or to restructure your loan for those renovations, the car or to pay off the mortgage faster.

It’s a service that comes at no cost to you*, and puts your interests first.

An Adviser Disclosure Statement is available free of charge, and on request.
* Our standard Mortgage Advisory service is provided free of charge as we are remunerated (paid) by the banks, but we also provide specialised services and advice for non-conforming, credit-impaired, business and complex cases. After our free initial no-obligation consultation, we will advise you if a fee may need to be charged before we undertake any work. In many cases we may find a simple solution for you. 


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