Your Trusted Mortgage & Home Loans Finance Broker in Australia

Simplifying Your Financing Journey.

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We Help You Secure the Right Finance to Suit Your Goals at the Best Possible Rates

At Intuitive Finance, we are dedicated mortgage brokers committed to providing personalised mortgage finance solutions. Whether you’re a first-time home buyer, an experienced property investor, or looking to refinance, our team of brokers will guide you through the complex world of finance. 

With a deep understanding of the lending market, we simplify the process, ensuring you secure the best rates tailored to your unique goals so you can turn your financial dreams into reality.

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Unbiased Solutions

We work with over 30 lenders to match your goals with the perfect financing options. Our approach ensures tailored solutions and competitive rates.

Streamlined Approach

Our team of experienced mortgage brokers ensures a smooth and easy process, making financing simple and hassle-free.

Considering the Future

The Intuitive Finance team evaluates your current financial situation and goals, crafting proposals that align with your objectives both now and in the future.

I’m a first home buyer
I want to upsize my property
I want to refinance a loan
I’m a self-employed borrower

Streamlined Financing in 6 Easy Steps

Consult

Our mortgage brokers will start with an initial consultation to understand your needs and goals.

Gather

Next, we’ll collect the necessary information to confirm your financial status.

Review & Propose

We’ll review your financial position and present a tailored proposal with the best options for you.

Agree & Implement

Together, we’ll complete the application paperwork, negotiate with lenders, and make any necessary adjustments.

Complete

We’ll finalise the approvals and arrange for you to sign the formal paperwork.

Settle

Finally, we’ll coordinate the settlement process, ensuring everything goes smoothly.

intuitive finance advantage

The Intuitive Finance Advantage

Choosing Intuitive Finance means benefiting from a truly personalised approach where your financial goals and needs are our priority. We take the hassle out of the mortgage process by handling all the details and negotiations on your behalf. With access to over 30 financial institutions, we offer a wider range of options compared to going directly to a single provider, ensuring that you get the best possible lending solution tailored to your unique circumstances. Our expertise and dedication simplify your financing journey, making it smooth and stress-free.

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First Home Buyer Quiz

Our Leading Mortgage Brokers

Lachlan Mirams

Lachlan Mirams

Finance Specialist

Lachlan Mirams, an award-winning Finance Specialist at Intuitive Finance since September 2013, holds a Diploma in Finance and Mortgage Broking Management. His diverse roles within the company have provided him with a deep understanding of the industry.



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Alexandra Pappas 

Alexandra Pappas 

Finance Specialist

Alexandra Pappas, a Finance Specialist at Intuitive Finance since March 2019, has a background in property law and holds diplomas in Conveyancing and Finance & Mortgage Broking Management. Known as a rising star in the finance broker industry, she brings a wealth of knowledge and a passion for helping clients.

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Bonnie Carter

Bonnie Carter

Finance Specialist

Bonnie joined Intuitive Finance in 2021 and has since developed into a Finance Specialist with experience across support, relationship management, and credit analysis. She helps first home buyers, upsizers, and young professionals achieve their goals, known for making lending simple. Outside work she loves food, fitness, and morning gym sessions.

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Andrew Mirams 

Andrew Mirams 

Managing Director

Andrew boasts over 32 years of experience and dual diplomas in Financial Planning and Banking & Finance. Recognised as one of the industry’s top performers, Andrew has settled over $1.5 billion in loans, specialising in diverse lending needs from first home buyers to property investors.

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Real Feedback from Real Clients

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Key Reads for Your Property Journey

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Helpful Guides

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    • Checklist Resources
      No matter which stage of the home buying process you’re in, from working out your budget to inspecting properties or even moving in, we’ve got you covered.
      Download Now

    • The Key Finance Issues All Property Upgraders Need To Consider
      Whether you are considering buying, building or renovating then this guide will help identify the key issues you need to consider!
      Download Now

    • 7 Things All Property Investors Need To Understand About Finance
      Don’t invest in property without reading this guide!
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    • Guide To Finance For Self Employed People
      Whatever your requirements for finance are, as a self employed person there are a number of key considerations to take into account as you prepare to approach lenders.
      Download Now

    • The Key Finance Issues All Self Managed Super Funds Need To Consider
      If you are considering investing in property within your SMSF then this guide will help identify the key issues you need to consider!
      Download Now

    • 8 Key Finance Issues All Expatriates Need To Understand
      We specialise in assisting clients working and living overseas to purchase property back home in Australia.
      Download Now

    • The Guide To Finance for First Homebuyers
      Owning your first home is an incredibly exciting but daunting time in your life.
      Download Now

    • Property Buying Tips And Handy Hints To Successfully Manage Your Finances
      Use our handy finance guide to both help you identify properties to purchase and assist with your finance application.
      Download Now

Frequently Asked Questions

Most mortgage brokers in Australia are paid by the lender after your loan settles, rather than charging you an upfront fee. A good broker should clearly explain how they are paid and must act in your best interests when recommending a loan.

Your borrowing capacity depends on your income, expenses, debts, deposit, credit history and the lender’s serviceability rules. Different lenders assess borrowers differently, so a mortgage broker can compare options and help identify lenders suited to your situation.

You may improve borrowing capacity by reducing credit card limits, paying down personal debts, reviewing living expenses, saving a larger deposit and choosing the right lender. A broker can also structure your application to match lender policy more effectively.

LVR, or loan-to-value ratio, shows how much you are borrowing compared with the property’s value. For example, borrowing $480,000 on a $600,000 property equals an 80% LVR. Many lenders prefer an LVR of 80% or lower.

Lenders Mortgage Insurance, or LMI, is usually charged when your deposit is less than 20% of the property value. It protects the lender, not the borrower, and can add thousands of dollars to the cost of buying a home.

It is worth reviewing your home loan regularly, especially when rates change, your fixed term ends, your circumstances shift, or you want better features. Refinancing can help reduce repayments, access equity or move to a more suitable loan structure.

An offset account is a transaction account linked to your home loan. Money held in the account reduces the loan balance used to calculate interest, which can help lower interest costs and shorten the life of your mortgage.

Interest is charged on your loan balance minus the money in your offset account. If your loan is $500,000 and your offset balance is $50,000, interest is calculated on $450,000 instead of the full loan amount.

A fixed rate keeps repayments stable for a set period, which can help with budgeting. A variable rate can move up or down with market conditions, but often offers more flexibility, such as extra repayments and access to offset features.

A bridging loan is short-term finance that helps you buy a new property before selling your current one. It can provide flexibility during the changeover, but approval depends on your equity, income, exit strategy and overall financial position.

Our Commitment to the Community

With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.