When you're looking to buy a home, refinance, or invest, one of the first questions that comes up is: Should I use a mortgage broker, or just go to the bank?

At Divitis Finance, we believe that making informed financial decisions starts with understanding your options. And when it comes to home loans, your options are broader and more complex than most people realise.

In simple terms: we work for you, not the lender.

Unlike a bank that only offers its own products, a mortgage broker compares a wide range of lenders to find a loan that suits your goals and financial circumstances. But our role goes far beyond product comparison.

It starts with understanding your bigger picture

Before we talk about lenders or loan types, we take the time to understand you. That means looking at your current financial position — income, expenses, assets, liabilities as well as where you're headed. Are you planning to upsize in a few years? Thinking about kids? Building an investment strategy?

This conversation helps us shape not just the loan you choose, but the structure behind it. The right loan is more than just a good rate. It should support your future goals, give you flexibility, and reduce financial stress in the long run.

Then, we help you navigate the lending landscape:

• Market-wide comparisons: We compare hundreds of products from a panel of lenders – big banks, credit unions, and non-bank lenders.
• Strategic, tailored advice: Whether you're self-employed, buying your first home, investing, or refinancing, we tailor recommendations that fit you, not a one-size-fits-all checklist.
• End-to-end loan management: From pre-approval to settlement, we handle the paperwork, speak with lenders, and manage roadblocks so you don’t have to.
• Post-settlement care: We stay in your corner long after your loan settles, we have a dedicated post settlement team that proactively reviews your loan to make sure your loan stays competitive and works for your changing needs.

What does it cost?

Most of the time, our service is free. We’re paid a commission by the lender once your loan settles but unlike bank staff, mortgage brokers are legally required to act in your best interests. That’s not just good service – it’s the law.

Why does it matter?

With over 75% of Australians now using brokers for their home loans, the shift is clear: people want more choice, greater transparency, and someone who understands the system and how to work it for their benefit.

Choosing a home loan is one of the biggest financial decisions you'll make. Having someone who understands the lending landscape and who takes the time to understand you can make all the difference.

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