Your broker
The person on your side of the desk.
I spent seven years inside a bank, watching good people get matched to whatever product the branch needed to sell that month. So I crossed the desk. In 2013 I started Latchford to do the job properly: sit with you, do the math in front of you, and answer to nobody but you.
The method is simple. You talk, I listen, and then I do the homework across 28 lenders* before you hear from me again. No jargon, no pressure, and no recommendation I would not give my own sister.
Credentials
Mortgage broking since 2013
28 lenders on the panel*
Credit Licence 000000 (demo) · Member, Finance Brokers Association
Families settled*
Lenders on the panel*
Years broking
* Family and panel counts are demo figures. We update them as they change, and we never round up to look bigger.
How I work
Three steps, no mystery.
The chat
Thirty minutes, free. You bring your questions and rough numbers. I bring the coffee.
The homework
I take your details away and compare them across 28 lenders*, including the ones you cannot walk into.
The lender shortlist
You get two or three options on one page, with costs and trade-offs in plain words. You choose.
The first chat costs nothing but half an hour.
What you pay
Nothing. Here is the honest version.
You pay $0* for my help on a standard home loan. The lender you choose pays me a commission when your loan settles, and a smaller one while you keep the loan. That is how broking works across the industry.
So is my advice conflicted? Fair question. Commission rates vary a little between lenders, which is why I show you the shortlist with costs side by side and tell you exactly what each one pays me, before you decide. The right loan for you is the one I would pick with my own money.
$0*
Standard residential loans. The lender pays the commission, you pay nothing.
* $0 to you in most standard residential cases. If a complex scenario ever carried a fee, you would hear it in writing before any work began.
Kind words
Mara told us to wait six months and save a little more. Nobody selling anything has ever told us to wait. That is why we came back.
Priya and Tom, first home in Bracken Ridge
Say hello
One conversation, zero obligation.
Thirty minutes with Mara, at the kitchen table or on video. Bring your questions and leave with straight answers.
A mortgage broker for first-home buyers. Plain answers, careful math, and one person who knows your name.
Latchford Home Loans is a fictional demonstration business. All rates, figures and reviews are illustrative demo content, not financial advice or an offer of credit. Credit Licence 000000.
© Latchford Home Loans