Mortgage Broker Services

Tailored lending solutions for every stage of your property journey

Mortgage Solutions Tailored to Your Goals

At Pier Point Lending, we understand that every financial situation is unique. Whether you’re buying your first home, refinancing to save money, or building an investment portfolio, we provide personalised lending solutions backed by genuine care and over 20 years of global banking expertise. We work for you, not the banks—comparing hundreds of loan products to secure the best outcome for your situation.

Our Lending Services

From first homes to investment portfolios, we provide tailored finance solutions for every stage of your property journey.

First Home Buyers

We’ll guide you through every step of buying your first home, from pre-approval to settlement, with clear advice and access to first-home buyer grants.

Construction Loans & Home Upgrades

Whether you’re renovating, extending, or upsizing to a bigger property, we’ll structure finance that fits your family’s growing needs.

Commercial & Development Loans

Whether you’re financing a business venture or developing property, we’ll connect you with specialist lenders and structure solutions that support your commercial goals.

Refinancing

Unlock better rates, lower repayments, or access equity by refinancing your existing loan—we handle everything from comparison to approval.

Investment Property

Build wealth through property with strategically structured loans that maximise tax efficiency and long-term returns.

Complex Income

If you’re self-employed or have non-traditional income, we’ll connect you with specialist lenders who understand your unique situation.

When was the last time you reviewed your mortgage?

Interest rates, bank policies and your own circumstances change constantly. Yet most Australians stay with the same lender for years – often paying thousands more than they need to.

Refinancing can:

Reduce your repayments and free up cash flow
Shorten your loan term and save thousands in interest
Consolidate other debts into one manageable payment
Unlock home equity for renovations, investments or major life goals

We handle the process from start to finish – comparing lenders, handling paperwork, and negotiating on your behalf – so you can enjoy the savings without the stress.

Why Choose Pier Point Lending

We do more than find you a loan – we help you make smarter, more confident decisions for your financial future. Here’s how we do it:

We make the complex simple

Lending doesn’t have to be confusing. We break everything down into clear, jargon-free language, so you understand your options and feel empowered to make the right choice.

We protect your financial future

Every recommendation we make considers not just today’s rates – but your longer-term goals. Whether it’s building equity, improving cash flow or creating flexibility for future investments, we plan beyond the paperwork.

We work for you, not the banks

As a fully independent broker, our only loyalty is to your best outcome. We compare hundreds of products across trusted Australian lenders, negotiating competitive rates and terms to suit your goals – not a lender’s quota.

We stay with you long after settlement

We don’t disappear once your loan is approved. We check in regularly to make sure your finance continues to serve your goals, adjusting strategies as life evolves.

Making the Right Choice —
Why Using a Broker Matters

When you’re making a decision as significant as choosing a home loan, having the right guidance makes all the difference. A mortgage broker doesn’t just compare rates — they help you navigate one of the most important financial journeys of your life with clarity and confidence.

At Pier Point Lending, we act as your advisor, advocate and partner throughout the entire process:

We help you understand your true borrowing capacity and the loan structures that best support your goals.
We ensure your loan aligns with your lifestyle, long-term plans and financial wellbeing.
We navigate complex lender policies and approval criteria to save you time, stress and costly missteps.
We negotiate on your behalf — ensuring you’re supported, not pressured, and never treated like just another number.

As of late 2025,mortgage brokers facilitate 77.6% of all new residential lending in Australia, according to the Mortgage & Finance Association of Australia (MFAA) — a testament to the value of personalised, expert guidance.

Our Process – The Pier Point Pathway

Step 1 - Discovery Call

We get to know your story, goals and current financial position.

Step 2 - Strategy & Research

We assess a wide range of products from multiple lenders, comparing options tailored to your situation.

Step 3 - Recommendation

You’ll receive a clear, personalised proposal - no jargon, no surprises, just smart solutions.

Step 4 - Application & Approval

We manage the paperwork, communication and negotiation with your chosen lender.

Step 5 - Settlement & Ongoing Support

We guide you through settlement and check in regularly to ensure your loan continues to serve your goals.

Ready to Take the Next Step?

Whatever your lending needs, Pier Point Lending is here to guide you through the process with clarity, confidence, and care. Based in Sandgate and supporting clients Australia-wide, we’re ready to help you achieve your financial goals. Get in touch today for a no-obligation conversation about your options.

Consulting & Industry Support

Elevating lending standards through collaboration.

Pier Point Lending also provides consultation services in the areas of finance and credit market intelligence. Building from Adam’s experience working for credit bureau’s – S&P Global in London and CreditorWatch in Australia.

Services include:

Broker and business mentoring
Process and compliance strategy
Professional development and training
Industry partnerships and thought leadership