Michael Burgess
Michael is a Senior Mortgage Broker at Money.com.au who draws on his extensive finance experience to help clients find the right home loan while also providing long-term wealth-building guidance.
Katey Russo
Katey Russo is a Mortgage Broker at Money.com.au, with decades of experience and a passion for helping clients achieve their financial and property goals. View full bio.
Nick Burgess
Nick is a Senior Mortgage Broker and Credit Manager at Money.com.au, with 10+ years of finance experience helping clients secure home loans that match their needs and goals.
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Answer a few quick questions with a broker to help us understand your needs and goals.
Check if I qualifyStep 2
Our brokers will compare dozens of lenders and hundreds of loans to find a suitable deal.
Compare home loansStep 3
We’ll take care of the paperwork and keep you updated as your application progresses.
Apply for a loan
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Nick Burgess, Senior Mortgage Broker
Nick is an experienced Senior Mortgage Broker at Money.com.au. He’s dedicated to guiding clients through their property investment journey. He takes the time to understand each client's unique circumstances, offering personalised solutions that go beyond just interest rates and terms. Guided by the philosophy, "Don’t find customers for your products, find products for your customers," Nick combines his extensive expertise with empathy to provide reliable, thoughtful support.
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Katey Russo, Mortgage Broker
Katey Russo is a Mortgage Broker at Money.com.au, with a passion for helping clients achieve their financial and property goals, particularly those taking their first step onto the property ladder. With extensive experience in financial services, Katey brings a rare depth of knowledge and a genuine commitment to exceptional customer service. Over the years, she has developed a deep, end-to-end understanding of the home loan process that few brokers can match.
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Michael Burgess, Senior Mortgage Broker
Michael is a Senior Mortgage Broker at Money.com.au, where he uses his extensive experience in lending and property investment to help clients find the best finance solutions. He has gained valuable skills by working with highly experienced brokers and accessing some of Australia's top mortgage broker networks. In addition to mortgage broking, Michael has over a decade of hands-on experience in property investment, giving him a deep understanding of property and wealth-building strategies.
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Nathan from Queensland
"We bought our first house about 12 months ago, but I was talking to the boys at work and everyone seemed to be on a better interest rate than I was. So I figured I’d check it out online and do a comparison and came across Money.com.au. I entered a few details to see if I could get a cheaper rate and ended up talking to Nick, who was awesome. He did exactly what he said he was going to do, made it easy and got everything sorted for me. We ended up saving half a percent on our loan, so as much as the last two RBA rate cuts and all up we’re saving around $300 a month."
Nathan from Queensland
"Agent inspired confidence. Good answers to concerns. Responsive. "
"So our agent Nick was what made this experience easy and stress free. Refinancing is stressful, but Nick turned around our package very quickly and on a decent rate in a competitive climate. He was responsive through out the process and always clarified any of our silly questions, demonstrating his patience and care with respect to customer service. We’ll be hitting him in a few years time when our current rate expires!"
"Nick's service was great. He knew his stuff and was able to help me work out exactly what I needed. Much appreciated! Thank you Nick 🎉"
"We had an outstanding experience working with Michael Burgess at money.com.au. From start to finish, he was professional, responsive, and genuinely invested in helping us achieve the best outcome. Michael secured us a great mortgage and, more importantly, put together a clear and well thought out plan for transitioning into our next home. We were navigating a bridging loan, and he made the entire process feel smooth and straightforward. Nothing was ever too much trouble, and he explained everything in a way that gave us real confidence at every step. It honestly could not have been easier. Highly recommend Michael to anyone looking for expert guidance and a seamless experience."
"your awesome!!!!"
"Straight to the point information. No beating around the bush if you can borrow money or refinance. Very helpful. Thank you very much 👍"
"So helpful! Saved me a bunch of time and money. Thankyou for your assistance and efficiency."
"I can’t recommend my broker highly enough. I made the decision to proceed with Nick Burgess on Tuesday afternoon and by Friday morning my finance has been approved – an incredible turnaround time. As a first-home buyer, the process felt overwhelming at times, with a lot of documentation, questions, and back-and-forth communication required. Throughout every step, my broker was professional, responsive, and always available to answer my questions. Their communication was exceptional, keeping me informed at every stage and making sure I understood exactly what was happening. Most importantly, they gave me confidence throughout the entire process. Buying your first property is a huge milestone, and having someone knowledgeable, proactive and genuinely invested in achieving the best outcome for me made all the difference. Thank you for making what could have been a stressful experience feel smooth and manageable. I wouldn’t hesitate to recommend your services to anyone looking for a mortgage broker, especially first-home buyers."
"Phil is fantastic, he was quick, professional and responsive at every step. His experience is evident and frankly the best iv'e dealt with. I'd recommend Money.com.au and Phil to anyone looking for finance."
"We were delighted with the warm, helpful, fully informed and friendly advice received. Came away fully satisfied all our questions had been answered FULLY. Some were even ANTICIPATED. Nick KNOWS HIS STUFF"
"Great service and very helpful "
"Easy to deal with, straight to the point and I are actually finding you the best price Highly Recommend 👍"
"Nick was awesome. Very helpful and it was a really smooth process. He got us a great rate. Thank you!!!"
"Nick Burgess made my refinance very straightforward - recommending lenders based on my circumstances and the best rates possible, addressed all my questions quickly - made the whole process simple and very pleased with the result👌🏼"
"Nick Burgess was first class. He constantly kept us on track and managed our expectations. We could bid at auction knowing exactly where we stood with finance. Importantly, the rates were on point too. Settlement was smooth and on time. Highly recommended "
"⭐️⭐️⭐️⭐️⭐️ I had an excellent experience working with Nick on my refinance. From start to finish, he was incredibly efficient, highly knowledgeable, and very communicative. He kept me informed at every step, explained my options clearly, and was always quick to respond to any questions. Nick made what could have been a stressful process feel smooth and straightforward. I wouldn’t hesitate to recommend him to anyone looking for a reliable and professional broker, especially for refinancing. "
"From my first phone call to my last, working with Nick was fantastic. He consistently kept me updated, always answered my calls, and secured the best home loan compared to all competitors. Nick made the entire process feel seamless and completely stress-free. I received my home loan approval in record time! I’m so thankful and incredibly happy. Highly recommend Nick from Money.com"
"Explained everything really well,treated me like I mattered an just got the job done👍"
"Staff are very professional and helpful."
"I had a really great experience with money.com. The entire process was super straightforward and easy to follow, which made everything feel stress-free from start to finish. The customer service was incredible. The team was friendly, helpful, and always willing to answer any questions I had. They were also very responsive, which I really appreciated. On top of that, the pricing was excellent and very competitive. I would definitely recommend them to anyone looking for a smooth and reliable experience."
At Money.com.au, our mortgage brokers understand the value of not just comparing deals but also choosing the right loan structure and other strategies that make a real difference for borrowers.
We help Aussies from all walks of life buy property, refinance to better deals and take advantage of the less obvious tactics like consolidating other debts into your mortgage, which can mean massive interest savings. Whether you’re just getting started or planning your next move, we’re here to help you find the loan and strategy that’s right for you.
We analysed more than 22,000 home loan requests from owner-occupiers and property investors who came to Money.com.au in 2025. Our analysis found the average property purchase price in Australia is $1,007,998, with an average deposit or usable equity of $397,027. This puts the average loan-to-value ratio (LVR) at 60.6%.
For owner-occupiers, the average purchase price was $847,837, with buyers putting down an average deposit of $172,791. Investors paid slightly less on average, purchasing properties for $807,760 with deposits averaging $167,531.
Among owner-occupiers who refinanced, the average property value was $1,139,808, with equity of $573,726. Investors refinancing held slightly lower-valued properties on average, at $1,036,948, with equity of $449,550.
Michael Burgess, Senior Mortgage Broker at Money.com.au
“Your LVR can have a big impact on the home loan or refinance deal you’re offered. A lower LVR usually means better rates and terms, because lenders see you as less risky. For buyers, this means putting down a larger deposit, and for refinancers, using existing equity strategically. For example, if your LVR is around 61–62%, reducing it to 60% – either by paying down your loan or getting a bunch of property valuations from different lenders – could help you secure a stronger offer.”
Michael Burgess, Senior Mortgage Broker at Money.com.au
A mortgage broker is a financial professional who helps borrowers compare and apply for a home loan. They act as an intermediary between homebuyers and lenders, finding suitable mortgage options, negotiating terms and managing the home loan application process from start to finish.
Mortgage brokers work closely with lenders to stay informed about different rates, products and eligibility criteria. This allows them to recommend home loan products that best align with their clients’ personal and financial needs.
For first-home buyers who feel unsure about navigating the mortgage application process themselves, a mortgage broker can be worth their weight in gold. Our brokers can help you understand the various first-home buyer grants and incentives you may be eligible for, and coach you through the whole home loan application process from initial assessment to settlement.
Our mortgage brokers recommend reviewing your home loan every year and think about refinancing every two to three years to ensure you're still getting a competitive deal. Our brokers and support staff can assess your current financial situation and present loan options tailored to your needs. They’ll also provide a clear breakdown of all associated costs, helping you decide whether refinancing is the right move.
Choosing the right loan structure is key to boosting cash flow and tax efficiency, and our mortgage brokers can help tailor a solution to suit your investment strategy. Many property investors choose to work with our brokers because they have access to multiple lenders, giving you a wide range of investment loan options with competitive rates, flexible features, low fees and tailored repayment structures.
Whether you're upsizing to accommodate a growing family or downsizing for a simpler lifestyle, navigating the home loan process can be complex. Our mortgage brokers are here to make it easier. We’ll take the time to understand your changing needs and financial goals, then compare options from multiple lenders to find a loan that suits your situation. From bridging loans to flexible repayment options, we’ll guide you through the process and help you make a smooth transition into your next home.
Low doc home loans are designed for self-employed borrowers who may not have the usual paperwork like payslips or tax returns. While they offer more flexibility, lenders often see them as higher risk, meaning they usually come with higher interest rates and lower loan-to-value ratio (LVR) limits. Our mortgage brokers can help you navigate these challenges by comparing options from specialist lenders who understand self-employed income.
Don’t let a less-than-perfect credit history stop you from owning a home. Our brokers can still help borrowers with bad credit. While bad credit home loans may come with higher interest rates or fees, there’s often the opportunity to refinance later as your financial situation improves. Our brokers can guide you with tailored strategies and timelines to help you get on the path to home ownership.
We cover key scenarios where a mortgage broker can add value, along with situations where you might prefer to compare options on your own. While our team of expert brokers is here to help, you're also free to browse the latest home loan rates and deals in our database.
Research from Money.com.au reveals that less than 1 in 3 Australians (29%) believe that they can confidently compare and choose a home loan without the help of a mortgage broker.
Under ASIC’s ‘Best Interests Duty’, our mortgage brokers are legally required to prioritise your needs when recommending home loans. They must act in your best interest - not their own - by offering options that truly suit your financial situation, not just those that pay higher commissions. When our brokers recommend a loan, they must be able to prove it's the most suitable choice for you.
Our mortgage brokers are fully qualified and meet all the necessary industry requirements to provide expert home loan recommendations. Each broker holds a Certificate IV in Finance and Mortgage Broking - the minimum qualification required to operate as a mortgage broker in Australia.
In addition, our brokers are members of leading industry bodies such as the Finance Brokers Association of Australia (FBAA) or the Mortgage and Finance Association of Australia (MFAA). These professional associations require members to follow strict codes of conduct and ethics, helping to promote integrity, consumer confidence, and trust across the mortgage industry.
Beyond formal qualifications, our brokers also bring years of hands-on experience in the financial services sector. Their in-depth knowledge of the lending landscape and access to a wide network of lenders ensures you receive tailored recommendations and loan options that suit your individual needs and goals.
No, there are no hidden fees when you work with our mortgage brokers. Our brokers receive a base salary and earn commission from the lender once your loan is settled. This comes at no direct cost to you.
Our mortgage brokers have access to 26 lenders, including the big four banks. To make sure you're getting a competitive deal, we also compare rates from lenders outside our panel. This helps ensure the loan options we offer stack up well against the wider market.
While a low interest rate is important, it's not the only factor to consider when choosing a home loan. It’s easy to focus on the rate, but things like fees, flexibility and loan features can make a big difference over time.
We look for options like offset accounts, redraw facilities or the ability to make extra repayments without penalty. These features can help you pay off your loan sooner and save on interest in the long run. At times, loans with the lowest interest rates don’t always include these benefits, which is why it’s important to weigh up all your options - not just the rate.
Our mortgage brokers can support your property search by providing detailed reports on the suburbs and properties you're considering, helping you make informed decisions. We work with homebuyers across Australia and have brokers based in major cities including Brisbane, Sydney, Melbourne, Gold Coast and more.
HOME LOANS
Lender's mortgage insurance (LMI) is charged on some home loans with less than a 20% deposit. Find out how LMI works, what it costs and how to avoid it.
HOME LOANS
You can buy a home in Australia with no deposit. Common options include using a guarantor or equity in a property you already own. Here's how it all works.
Here’s how working with a mortgage broker generally works:
The best mortgage brokers in Australia will ultimately depend on your needs. As a starting point, the top brokers should be experienced, offer personalised guidance and have strong customer reviews. At Money.com.au, our team of mortgage brokers consistently receives 5-star Trustpilot reviews from a range of borrowers nationwide.
The best mortgage brokers will take the time to understand your needs and address any concerns throughout the home-buying process. They’ll confidently recommend a range of loan products tailored to your financial goals and circumstances. Perhaps most importantly, a good broker will keep you informed at every stage of the application, offering expert advice when needed.
Mortgage brokers have a clear advantage over individual banks because they can access a network of lenders - 26 in our case. This allows them to offer hundreds of home loan products, providing you with greater flexibility and more choices. In contrast, individual lenders can only offer their own products, which may not always meet your needs or be the most competitive option.
Our broker commission is typically paid in two parts by the lender, at no cost to you:
These commissions are standard industry practice and do not affect your loan’s interest rate or fees. Our brokers are required to act in your best interest, ensuring any loan they recommend is suited to your financial needs and objectives.
The size of the loan is the biggest factor influencing a mortgage broker’s total commission. For example, a smaller loan of $350,000 at 0.70% results in about $2,450 (plus GST), while a larger loan of $1 million brings the broker around $7,000 (plus GST).
Other factors influencing commission include the lender’s commission rate, typically between 0.60% and 0.70%, and whether there’s an additional trail commission. The trail commission rate also affects how much the broker earns from a particular loan and lender.
Home loan comparison rates are calculated based on a loan amount of $150,000 repaid over a 25-year term with monthly repayments. The comparison rates only apply to the examples given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Check with the provider for full loan details, including rates, fees, eligibility and terms and conditions to make sure the product is right for you.
General information only The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any home loan product is suitable for you and seek independent financial advice if necessary.
We are not providing you with a recommendation or suggestion about a particular home loan. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.
What products, features and information are shown While we make every effort to ensure all home loans available in Australia are shown in our comparison tables, we do not guarantee that all products are included.
Our product comparisons may not compare all home loan features and attributes relevant to you.
Product information, such as interest rates, fees and charges, is subject to change without notice. Before acting on any information, you should confirm the relevant product information with the lender.
How home loans are sorted and filtered by default When results load initially in the main comparison table on this page, we show relevant loans from our sponsored partners first, then all loans on our database starting with the lowest relevant rate available from each of Australia's top 10 largest lenders first (top 10 is according to APRA, based on total value of loans per lender). We know these are the rates our customers are most interested in seeing. After these initial results, we show all products on our database, sorted as follows:
Some home loan products listed in our tables are available through a mortgage broker. Mortgage brokers may not be able to offer loans from every provider and there may be more suitable loans for your personal circumstances.
Mortgage brokers are not authorised by Money Pty Ltd's Australian Credit Licence and operate under their own Australian Credit Licence, or as a credit representative of another Australian Credit Licensee. Mortgage brokers can make recommendations about home loan products that may suit your objectives, financial situation and needs.
Our tables feature all home loans available from lenders on our database that match the search criteria selected. Lenders do not pay to feature in our tables. Partner lenders with loans marked as ‘sponsored’ may pay a commission to Money.com.au if you click to visit their website.
If you get help from a mortgage broker as a result of visiting this page, we may earn a commission.
