Finding the right mortgage broker for your home and investment loan needs can make all the difference in your property journey. Whether you're buying your first home, expanding your investment portfolio, or refinancing existing properties, working with specialists who understand the complexities of home and investment lending is crucial.

Why Choose a Home & Investment Loan Specialist?

Home and investment loans require different strategies and approaches. Investment properties often have stricter lending criteria, different deposit requirements, and unique tax considerations. Specialist brokers understand these nuances and can structure your loans to maximise your borrowing capacity while protecting your financial position.

A good home and investment loan specialist will help you understand the differences between owner-occupied and investment loan products, assist with portfolio structuring, and find lenders who are actively lending to property investors.

Leading Home & Investment Loan Specialists

Belinda Gibson - TM Finance Group (Victoria)

Belinda Gibson brings over 20 years of commercial banking experience to her role as Director and Finance Broker at TM Finance Group. With access to 30+ lenders and a perfect 5.0-star rating from 190 reviews, Belinda specialises in property, cash flow, and specialist lending.

Her expertise extends beyond simple home loans to complex lending scenarios and debt structuring. Clients consistently praise her ability to secure deals that other brokers and banks couldn't deliver, with one business owner saving $140,000 annually after Belinda reduced their interest rate from 8.5% to 3.5%.

Belinda serves clients across Melbourne, Traralgon, and regional Victoria, offering both residential and commercial lending solutions.

Ben Clarke - Wright Evans Lending (South Australia)

Ben Clarke is the Principal Finance Broker at Wright Evans Lending, specialising in situations that fall outside the standard lending box. With access to 50+ lenders, Ben focuses on medical professionals and clients with complex financial structures.

Ben's approach centres on clarity and confidence, helping clients understand their options without overwhelming them with jargon. His systematic process involves getting organised early, asking the right questions, and removing potential friction before it becomes a problem.

Based in Adelaide, Ben maintains perfect 5.0-star reviews and is a member of the MFAA, AFCA, and CAFBA.

Mary Todorova - Affiliate Finance (National)

Mary Todorova brings nearly three decades of finance industry experience as Director of Affiliate Finance and Property. As a seasoned property investor herself, Mary understands the importance of correct structures and strategies for building strong property portfolios.

With access to 50+ lenders and experience brokering thousands of loans since 2001, Mary specialises in reviewing, restructuring, and renegotiating finance arrangements. Her educational background as a registered teacher means she excels at communication and client education.

Mary maintains a 4.9-star rating across 58 reviews and serves clients nationally from major capitals to regional areas.

Rishi Bhatia - KRIA Mortgage Managers

Rishi Bhatia is an award-winning mortgage and finance broker with over a decade of experience, specialising in SMSF and investment loans. His expertise in self-managed super fund lending makes him particularly valuable for sophisticated investors looking to use their super for property investment.

With a perfect 5.0-star rating across 20 reviews, Rishi has built a reputation for solving complex lending scenarios that other brokers couldn't handle. One client noted that three other brokers had told them they couldn't get finance before Rishi successfully secured their home loan.

Regional Specialists Making a Difference

Emma Horsford - Ignite Financial NQ (Queensland)

Emma Horsford serves the Cassowary Coast and Innisfail regions from her base in Wangan, Queensland. With an impressive 5.0-star rating from 91 reviews, Emma specialises in first home buyers, construction loans, and investment properties.

Clients consistently praise Emma's communication skills and genuine care throughout the lending process. Her ability to explain complex processes in simple terms has made her particularly popular with first-time buyers and investors new to property.

Scott Somers - Fintegy Financial (Gold Coast)

Scott Somers operates from Broadbeach with over 18 years of experience and access to 50+ lenders. Scott's philosophy of "We Don't Know the Lender Until We Know You" reflects his client-first approach to mortgage broking.

Fintegy Financial offers ongoing loan health checks and lender reviews, ensuring clients continue to get the best deals long after their initial loan settlement. Scott's team maintains a perfect 5.0-star rating across 20 reviews.

Emerging Professionals to Watch

Rob Horner - Jack Horner Financial Solutions (NSW)

Rob Horner brings 22 years of experience to his Norwest practice, specialising in all facets of home lending from first-time buyers to complex investment structures. With a Bachelor of Economics and Diploma in Finance & Mortgage Broking Management, Rob combines academic knowledge with practical experience.

Rob works with 20 carefully selected lenders and offers 24/7 availability to his clients, reflecting his commitment to exceptional service.

Edric Yiu - Mortgage Choice (NSW)

Edric Yiu operates from Rouse Hill as part of the Mortgage Choice network. His comprehensive range of services includes first-time home purchases, investment property acquisitions, and refinancing services.

Edric offers flexible consultation options, including face-to-face meetings in the Hills District and video conferences for clients across Australia.

What to Look for in a Home & Investment Loan Specialist

When choosing a mortgage broker for your home and investment loan needs, consider these key factors:

Experience and Track Record: Look for brokers with proven experience in investment lending and positive client reviews. The specialists featured here all maintain high ratings and extensive experience.

Lender Network: Access to multiple lenders increases your chances of finding the right product. Many of these specialists work with 30-50+ lenders.

Educational Approach: The best brokers take time to educate their clients about different loan structures and investment strategies.

Ongoing Support: Property investment is a long-term strategy. Look for brokers who offer ongoing reviews and support.

Structuring Your Investment Portfolio

Working with a specialist helps ensure your loans are structured correctly from the start. This includes separating investment and owner-occupied lending, maximising tax deductibility, and maintaining flexibility for future purchases.

Many successful property investors work with the same broker throughout their journey, building a relationship that supports their long-term wealth creation goals.

Getting Started

Whether you're purchasing your first investment property or expanding an existing portfolio, these home and investment loan specialists can help navigate the complex lending landscape. Each brings unique strengths and local market knowledge to help you achieve your property goals.

The Australian property market continues to evolve, with new lending policies and products regularly emerging. Working with an experienced specialist ensures you stay informed about the best opportunities for your situation.

Reach out to one of these specialists to discuss your home and investment loan needs and take the next step in your property journey.