·3 min read
A record 82% of home loans rely on mortgage brokers. Here’s why.
What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why.
Brisbane mortgage & finance brokers
The right loan, explained properly.
We compare 70+ lenders, tell you what the fine print actually means, and handle the paperwork from pre-approval to settlement. Home, investment, commercial and personal lending — from a broker who picks up the phone.
- 5.0 from 80 Google reviews
- Bound by Best Interests Duty
- No cost to you — lenders pay us
Quick estimate
What could you borrow?
Slide to get a ballpark. We’ll refine it on the call.
Dependants
Est. borrowing
$595,000
Purchase price up to
$675,000
≈ $3,567/month at 6% p.a. over 30 years. Indicative only — not an offer of credit.
Buying my first home Grants, 5% deposit schemes and a plan to get there sooner.Refinancing Rate review, equity release or debt consolidation — see what a switch saves.Investing in property Structure the loan properly from day one, not after the fact.Funding my business Commercial property, equipment, vehicles and working capital.
- 70+
- lenders on our panel
- 5.0
- star rating · 80 reviews
- $0
- cost to you for our service
- 24h
- typical response on new enquiries
A panel of 70+ lenders — these are a few of them
Lender logos are the property of their owners and are shown to indicate the panel we can access. Availability depends on each lender’s criteria.
What we do
Lending for every stage of life — and business
Thirteen specialist services, one broker who knows your whole picture. Start with the one that fits today.
First Home Buyer Loans
From deposit to keys, Sachin walks you through grants, guarantees and lender criteria so you know exactly where you stand before you fall in love with a place.
Learn moreRefinance Home Loans
Rates, fees and features drift over time. A refinance review across 50+ lenders shows you whether switching could save money, release equity or simplify your finances.
Learn moreProperty Investment Loans
Buying your first investment property or adding to a portfolio? The right loan structure protects your cash flow, keeps your tax position clean and leaves room for the next purchase.
Learn moreHome Loan Pre-Approval
Pre-approval tells you how much a lender may be willing to lend before you make an offer. We prepare it properly, so it means something when you need it.
Learn moreSpecialist services
Commercial Finance From buying your own premises to funding expansion, we arrange commercial property loans and business funding with lenders who understand how your business actually works.Self-Employed Home Loans Sole traders, contractors, company directors and partners can absolutely get competitive home loans. The difference is how your income is presented — and which lender sees it.
Other services
70+
lenders compared on every application — including the ones the big banks won’t tell you about.
Meet your broker
Sachin treats your loan like it's his own money.
Rannar Loans is a boutique brokerage based in Brisbane, run by Sachin Mehta, principal finance broker. Most of our clients come from referrals — first home buyers who were talked through every step, investors who wanted a structure that scales, and business owners who needed someone to actually understand their numbers.
We’re licensed, bound by Best Interests Duty, and paid by the lender, not you. What you get is a broker who reads the policy, negotiates the rate, chases the bank and keeps you in the loop.
- Plain-English recommendations
- Same broker start to finish
- Annual rate reviews, free
- Evening & weekend calls available
How it works
From first call to keys in hand
A clear, four-step process. You always know what's happening and what's next.
- 01
Strategy call
A free 30-minute call about your goals, income, deposit and timing. We'll tell you honestly what's realistic.
- 02
Compare & recommend
We assess your position against 70+ lenders' policies and come back with options — and one clear recommendation.
- 03
Application & approval
We package the application so it sails through credit, and chase the lender daily until it's approved.
- 04
Settlement & beyond
We coordinate with your solicitor and the lender, then review your rate every year so you're never overpaying.
Reviews
Clients who'd send their mates
“Highly recommended – works closely to ensure client needs are met.”
“Sachin at Rannar is amazing and easy to work with. Walks you through all possible options and makes the whole loan journey and experience as seamless and easy as possible. Highly recommend him for all your loan needs.”
“Sachin has been incredibly supportive throughout my entire mortgage journey, always available whenever I needed assistance. His dedication and expertise made the process much smoother, and I would highly recommend him to anyone seeking reliable and knowledgeable guidance in the mortgage process.”
Insights
Straight talk on rates, grants and the Brisbane market
·3 min read
What does a good home loan rate look like now?
A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now? We reveal what’s currently a competitive rate, and how you may be able to land one.
F
Refinancing·4 min read
Fixed vs Variable Home Loans in 2026: How Brisbane Borrowers Should Decide
Fixed or variable is one of the first decisions every borrower faces, and one of the most second-guessed. Here is how to think it through without trying to predict the Reserve Bank.
Where we work
Brisbane's south, east and bayside — and everywhere in between
We're local to these suburbs and work with clients across Queensland by phone and video.
FAQs
Things people ask before they call
Short answers now, longer ones on the phone.
A broker works for you, not a bank. We assess your situation, compare loans from our panel of 50+ lenders, recommend the ones that suit you and manage the application through to settlement. In most cases our service costs you nothing: the lender pays us a commission once your loan settles, and we disclose exactly what that is before you proceed.
Yes. There is no charge and no obligation. We will listen to what you are trying to achieve, give you an honest view of your options and tell you what to prepare next. You decide whether to go further.
Your bank can only offer its own products and will assess you against its own policy. We compare dozens of lenders, know which ones treat your income type, deposit size or property most favourably, and negotiate on your behalf. We are also legally required to act in your best interests, which a bank's lending staff are not.
We are based on Brisbane's southside and bayside and work with clients across Greater Brisbane, Logan and the Redlands, from Wynnum and Tingalpa to Upper Mount Gravatt, Sunnybank and Rochedale. Most of our work is done by phone and email, so we can help wherever you are in Queensland.
It depends on your income, living expenses, existing debts, deposit and the lender's assessment rate, and the answer can differ by six figures between lenders. Our borrowing power calculator gives a rough guide; a strategy call gives you a real number based on the lenders most likely to say yes.
Absolutely, it is one of our specialties. We know which lenders accept one year of financials, which use BAS or business bank statements, and how to present bonus, contract or casual income so it counts. Bring your ABN and your latest financials and we will tell you where you stand.
Next step
Ready to see what you could borrow — or save?
Thirty minutes with a broker who compares 70+ lenders. Free, no obligation, and we'll tell you if now isn't the right time.