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Why Use a Mortgage Broker?

A mortgage broker finds the loan that suits your circumstances and ensures your finance stays aligned with your changing goals.

  • Home
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Access over 90 lenders and secure a loan that works for you.

Why MartinCofs

What makes us different?

The difference

Why choose us?

MartinCo Financial Services
Banks & Lenders
A dedicated, non-bank affiliated loan expert
No cost to you.
Clear and transparent on fees
Acting in your best interest
Quick and efficient loan processing
Compare 60+ lenders in one place.
Support even after your loan settles.
How we support you

From your first conversation through to settlement and beyond, we guide you through every stage of the loan process with clarity and confidence.

Understand your situation

We take time to learn what matters to you financially, so every recommendation is grounded in your goals and circumstances.

Compare and recommend options

We assess a wide range of lenders and loan structures, then present clear, suitable choices so you can make an informed decision without confusion.

Manage the end-to-end process

Once you’re ready to proceed, we handle the paperwork, coordinate with lenders, and keep everything moving through to approval and settlement.

Stay in your corner after settlement

We continue to monitor your loan and check in over time, helping ensure your structure still fits as your life and financial position evolve.

Our commitment to you

We act in your best interests at every stage, providing clear guidance and support so you can make confident loan decisions.

Clear explanations, no guesswork

You’ll always know why a recommendation is made, how your options compare, and how we’re compensated all explained in plain, straightforward language.

Responsible and compliant at every step

We follow all regulatory requirements and continually refine how we operate to ensure you receive reliable, high-quality advice.

Your interests come first, always

If a conflict of interest ever arises, we disclose it openly and ensure the recommendation still reflects what’s best for your situation.

Ongoing learning that benefits you

We stay across lender policies, market changes, and lending strategies so the advice you receive is current and practical.

Careful handling of your information

Your details are managed with precision and security, ensuring your application is accurate, complete, and protected from start to finish.

Support Beyond Approval

The relationship doesn’t end once your loan is approved. Ongoing support is provided to help you review your loan and adjust as your needs and circumstances change.

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Speak With a Mortgage Specialist

Have a question or ready to get started? Send us an enquiry and our team will get back to you to discuss your options.
Client Reviews

Real Results. Trusted by Clients.

Guidance Made First Home Easy

"Todd and his team were exceptional from start to finish assisting us with our mortgage approval. This was our first home purchase and we were very new to the process, however Todd and his team helped us every step of the way. We hit a few unexpected snags due to my partners visa status along the way and Todd managed to find solutions to help us achieve a mortgage without being lumped with an excessive government surcharge. We are truly grateful for Todd and his team and highly reccomend them to assist in securing a mortgage at an excellent rate."

Josh Boulton

Client

Smooth and Efficient from Start to Settlement

"We can’t thank Todd Martin enough for his help securing the right finance for us. When we were finding it difficult to arrange things on our own, Todd stepped in and quickly identified the best solution. He guided us through a smooth, efficient process all the way to settlement, making what could have been stressful feel simple and well managed. We’d happily recommend Todd to anyone looking for knowledgeable, proactive and reliable mortgage advice."

Adam Boyle

Client

Clear Guidance and Personalised Care

"I highly recommend Todd Martin from MartinCo Financial Services. He took the time to truly listen to my needs, provided clear and thorough guidance, and he carefully planned the best approach to secure my loan. He, and his teams support throughout the process was outstanding, making the experience smooth and stress-free."

Belinda Robinson

Client

Outstanding Communication and Support

"We're so grateful we had Todd with us through this whole journey as first home buyers. His communication was exceptional, and the guidance he gave us at every step honestly felt like a superpower. Having someone we can rely on in our corner made everything so much easier and gave us so much confidence. We couldn't be more thankful or recommend him more highly. Thank you Todd!"

Nathan Bryant

Client

Professional and Stress-Free Experience

"Todd Martin and his staff provided outstanding service. They supported us through the process with professionalism and care. Highly recommend for anyone needing financial services. First home buyer two thumbs up! "

Rachael mcfadyen

Client

Simple and Easy for First Home Buyers

"Fantastic brokers to deal with. They made everything seamless and easy to understand, which was incredibly helpful as a first home buyer. I strongly recommend them to anyone."

John Sanchez

Client

Reliable Advice and Long-Term Support

"I have worked with Todd and the team at MartinCo Financial Services for a number of years both for personal finances as well as professional. I have recommended the service to friends, family members and other businesses that we have worked with - and have only heard positive things. I find the professionalism, knowledge of the market, presentation of various solutions and the personalised service to be second to none. There is no other organisation that I would seek, and no one that I would trust with my finances other than Todd and his team."

Nicholas Alderdice

Client

Expert Support for SMSF Property Finance

"We’ve just used Martin and co to assist in securing a loan to purchase a property in our SMSF. Always professional and easy to deal with, we would highly recommend them."

Julie Kidd

Client

Fast and Competitive Car Loan Approval

"Todd and his team were fantastic. They moved very quickly to get the car loan in place and got me a competitive rate. Everything was explained to me which made the process easy and stress free."

Christopher McGrath

Client

Smart Solutions for Complex Financial Needs

"I can't recommend Todd and his team highly enough. We were unfortunate enough to lose a business and needed to consolidate a business loan into our mortgage. Todd and Ericka handled the whole process and made it as smooth as possible. We will be using Todd and the team for all of our lending needs in the future."

Rachel S.

Client

How brokers are paid

Upfront commission (paid by the lender)

When your loan settles, the lender pays a one-off commission—typically 0.65% to 0.70% of the loan amount (+GST).

This covers the work required to compare lenders, structure your loan, and manage the entire process through to approval.

Ongoing commission (paid by the lender)

Each year, the lender pays a small ongoing commission—usually around 0.15% of your remaining loan balance.

This allows us to stay connected, review your loan over time, and help ensure it continues to suit your needs.

What this looks like

If you take out a $500,000 loan, here’s how it typically works:

$3,250 upfront commission

(based on a 0.65% rate)

  • $750 in year one (based on a $500,000 balance)
  • $675 in year two (based on a $450,000 balance)
  • $600 in year three (based on a $400,000 balance)

These payments continue while your loan remains active and in good standing. If the loan is paid out, refinanced, or falls into arrears, they stop.

What this means for you

You get access to a wide range of lenders, clear advice, and ongoing support—without paying directly for the service in most situations.

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Complete a quick application and we’ll guide you through the process to find the right loan for your needs.
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