Home & property finance · Servicing clients Australia-wideCall 0452 584 841
0452 584 841 Talk to Helen
Boutique Mortgage Broking · Australia-wide

A better loan, properly negotiated.

Run your numbers below — then let Helen, an ex-Deloitte auditor and FBAA-accredited mentor, compare 60+ lenders to find a better deal for you.

Talk to Helen — 0452 584 841
5% deposit$37,500
Estimated repayment
$0 /month
Monthly $0Fortnightly $0Weekly $0

Loan amount $0
Loan-to-value ratio0%
Lenders mortgage insurance $0
Stamp duty (VIC)$0
Conveyancing (allowance)$3,000
Upfront funds required$0

These numbers are the starting point, not the deal. Helen compares 60+ banks and lenders to find a better rate and structure for your exact scenario — free for standard residential lending.

Get Helen to beat these numbers

Estimates only — not an offer, quote or credit advice. The default 5.89% p.a. is an illustrative, editable assumption, not an advertised product rate; actual rates, comparison rates, fees and approval depend on the lender and your circumstances. Stamp duty is estimated from published state schedules (FY2025–26). The First Home view assumes a full stamp duty exemption; exemptions are subject to eligibility, state price caps and change (see the note shown for your state) — confirm with your state revenue office. First-home 5% deposit with no LMI assumes an eligible government guarantee place (price caps and criteria apply). LMI figures are indicative and vary by insurer; where shown, LMI is capitalised into the loan. Construction estimates apply duty to land only. Conveyancing shown as a $3,000 allowance.

What we finance

Every kind of property loan, one broker

Residential, investment, SMSF or commercial — the person you speak to first is the person who settles your loan. No call centres, no handovers.

First home buyers

Deposit strategies, government schemes, guarantor loans and pre-approval — matched to what you actually qualify for.

Explore →

Refinancing

A free loan health check against 60+ lenders — with a written answer on whether switching pays, or staying put is smarter.

Get a health check →

Investment property

Equity release, interest-only options and portfolio lending, structured properly from day one.

Explore →

SMSF loans

Limited recourse borrowing for self-managed super funds buying residential or commercial property — arranged with specialist lenders.

Explore →

Construction & commercial property

Progress-payment finance for new builds, owner-occupied premises, commercial investment and development-scale projects.

Explore →

Business & asset finance

Equipment, vehicle and working-capital finance delivered with our partner, Oxcel Finance.

Visit Oxcel →

Guides & calculators

Borrowing power, stamp duty and repayment calculators above, plus plain-English answers to real borrower questions below.

Run the numbers →
Helen — Senior Mortgage Broker at Fixon Finance
Meet your broker

Helen. An auditor's eye on your loan.

Ex-Deloitte Auditor FBAA Accredited Mentor Trains New-to-Industry Brokers Masters in Finance & Accounting — Charles Darwin University Bachelor's Degree — UK

Before broking, Helen audited companies at Deloitte — which means your application is built the way lenders' credit teams actually read it: complete, reconciled, and defensible. She holds a Masters in Finance & Accounting from Charles Darwin University and a Bachelor's degree from the UK. As an FBAA-accredited mentor, she trains new-to-industry brokers — the same standards she teaches are the standards your file is built to.

Helen deliberately takes on a limited number of applications, so every client deals with her directly from first call to settlement — and beyond, with rate reviews after you've moved in. She's based in Melbourne and travels right across Australia to work with clients and brokers.

Off the clock, she's a mum of four — three human kids and one dog.

Call Helen — 0452 584 841 Email helen@fixon.com.au
How it works

From application to settlement, on one track

Every Fixon file moves through the same four stages. You always know exactly where your loan sits.

1 Stage one

Discovery & application

A short online application and a free 15-minute call with Helen capture your goals, income and liabilities so your position is assessed properly.

2 Stage two

Comparison & recommendation

Products are compared across 60+ lenders, and the recommendation — with the reasoning behind it — is put in writing.

3 Stage three

Submission & conditional approval

Your application is packaged to the lender's credit policy and managed through to conditional approval.

4 Stage four

Unconditional approval & settlement

Conditions cleared, valuation and settlement coordinated — then your file stays open for repricing reviews after you move in.

Why Fixon, not a bank

Why use a broker instead of walking into a bank?

A bank can only offer you its own products. A mortgage broker compares loans across many lenders — and is legally required, under the Best Interests Duty in the National Consumer Credit Protection Act, to act in your best interests. That is a duty banks do not owe you.

"I take on a limited number of applications on purpose. Every file gets the same attention I'd give my own — because after years auditing other people's numbers, I know exactly where loans go wrong."

Helen — Senior Mortgage Broker, Fixon Finance
  • Whole-of-market comparison. Recommendations start from a panel of 60+ banks and non-bank lenders, not one institution's product shelf.
  • An auditor's preparation. Applications built the way credit assessors read them — complete and reconciled — which is what gets loans approved the first time.
  • Negotiation, not just comparison. Pricing negotiated with lenders on your behalf — including repricing after settlement so your rate stays competitive.
  • Australia-wide, fully digital. The same personal service whether you're in Melbourne, Perth, Darwin or regional Queensland. Helen travels nationally.
  • Free for standard residential lending. Lender-paid commission, disclosed in writing before you proceed. No surprises.
  • Licensed and accountable. Fixon operates as an authorised credit representative under an Australian Credit Licence, bound by the NCCP Act and Best Interests Duty. Full details in the footer.
Common questions

Straight answers, before you even call

Everything most borrowers ask — including why a broker beats walking into a bank. If your question isn't here, Helen answers her own phone: 0452 584 841.

Why use a broker

What are the benefits of using a mortgage broker instead of going to a bank?
A bank can only offer its own products; a broker compares the whole market. With Fixon that means access to 60+ banks and non-bank lenders, negotiation on pricing (including repricing your rate after settlement), an application structured to the lender's credit policy so it's approved the first time, and one person managing everything from first call to settlement — at no cost to you for standard residential lending. Brokers are also bound by the Best Interests Duty, a legal obligation to act in your best interests that banks do not owe you.
What does a mortgage broker cost?
For standard residential home loans, Fixon's service is free to you. The lender pays a commission after settlement, which is disclosed to you in writing before you proceed. Brokers are bound by the Best Interests Duty to recommend what suits you, not what pays most.
Is a broker legally required to act in my best interests?
Yes. Since 2021, mortgage brokers have been bound by the Best Interests Duty under the National Consumer Credit Protection Act — a legal requirement to act in the consumer's best interests and to prioritise them where any conflict arises. Bank staff selling their own bank's loans are not subject to this duty.
Will a broker get me a better interest rate than my bank?
Often, because a broker can compare and negotiate across dozens of lenders while your bank only shows you its own shelf — but no honest broker guarantees it. Fixon puts the comparison in writing: if your existing loan is already competitive, Helen will tell you plainly and you've lost nothing.

Working with Fixon

Does Fixon service clients outside Melbourne?
Yes. Fixon services clients Australia-wide through a fully digital process, and Helen regularly travels across Australia to meet clients and brokers. Wherever you are, the same broker handles your file from first call to settlement.
What documents do I need to apply?
Typically identification, recent payslips or (if self-employed) tax returns and notices of assessment, bank statements showing savings and living expenses, and details of existing loans and credit cards. Helen gives you a precise checklist for your situation up front, so nothing is requested twice.
How long does home loan approval take?
It varies by lender and how complete your application is. Fixon's job is to submit assessment-ready files — typically prepared within 7 days of receiving your documents — which avoids the back-and-forth that causes most delays. Lender assessment then ranges from a couple of days to a few weeks.
Is Fixon licensed?
Yes. Fixon Pty Ltd is an authorised credit representative operating under the Australian Credit Licence of Oxcel Pty Ltd, and is bound by the National Consumer Credit Protection Act, including the Best Interests Duty owed to consumers. Full licence details appear in the footer of this website.

First home buyers

How much deposit do I need to buy my first home?
Most lenders accept deposits from 5% of the purchase price, though below 20% you will usually pay lenders mortgage insurance (LMI) unless you qualify for a government guarantee scheme, an LMI waiver, or use a guarantor. A larger deposit means lower LMI, better rates and more lender choice.
Do first home buyers pay stamp duty?
In most states and territories, eligible first home buyers pay no stamp duty up to set price caps — with full exemptions in NSW, VIC, QLD, WA and TAS below their thresholds, uncapped relief for brand-new homes in SA and QLD, and an income-tested scheme in the ACT. The NT has no duty exemption but offers first-home grants. Our calculator applies the exemption and flags your state's cap; Helen confirms your eligibility before you commit to anything.
What is the difference between pre-approval and full approval?
Pre-approval is a lender's conditional indication of how much you can borrow, letting you offer or bid with confidence — but it isn't binding. Full (unconditional) approval comes after you've found the property, the lender has valued it and all conditions are met. Fixon manages both stages and tells you exactly what each lender's pre-approval is actually worth.
Can my parents help me buy my first home?
Yes — commonly through a guarantor arrangement, where they offer part of their own property's equity as additional security so you can borrow with a smaller deposit and avoid LMI, or through a documented gift toward your deposit. Each has different risks and lender rules, which Helen walks both you and your parents through before anyone signs.

Deposits, LMI & costs

What is lenders mortgage insurance (LMI) and can I avoid it?
LMI is a one-off insurance premium that protects the lender (not you) when you borrow more than 80% of a property's value, and it usually adds thousands to your costs. It can be avoided with a 20% deposit, a guarantor, an eligible government guarantee place, or profession-based waivers offered by some lenders. Where it applies, it can often be capitalised into the loan.
What upfront costs should I budget for besides the deposit?
Stamp duty (unless exempt), conveyancing and legal fees (we allow $3,000 in our calculator), building and pest inspections, lender application and government registration fees, and moving costs. Our calculator totals the major items as “upfront funds required” so there are no surprises at settlement.

Refinancing

Is refinancing worth it?
It depends on your rate saving versus switching costs. If we can beat your current rate meaningfully and you plan to keep the property, refinancing usually pays for itself quickly — but we calculate the break-even for your exact loan first, and we'll tell you plainly if staying put is the better answer.
Will refinancing hurt my credit score?
A refinance application creates one credit enquiry, which has a small, temporary effect. What damages scores is many applications in a short period — which is exactly what a broker prevents, by assessing your file against lender policy first and applying once, to the right lender.

Investment & SMSF

Can I use equity in my home to buy an investment property?
Often, yes. Lenders will typically let you borrow against your existing property up to 80% of its value (sometimes more with LMI), releasing funds usable as the deposit and costs on an investment purchase. Structuring this as a separate loan split — rather than cross-securitising both properties — usually preserves flexibility.
Can my SMSF borrow to buy property?
Yes — a self-managed super fund can borrow to buy property through a limited recourse borrowing arrangement (LRBA), subject to lender criteria and superannuation rules. Fixon arranges the credit; your financial adviser and accountant should confirm the strategy suits your fund before you proceed. We do not provide financial, tax or superannuation advice.

Construction & commercial

How do construction loan progress payments work?
The lender releases funds in stages matched to your fixed-price building contract — typically deposit, slab, frame, lock-up, fixing and completion. Each drawdown usually requires a builder's invoice and, at key stages, a valuer's inspection. During the build you generally pay interest only on the amount drawn, and stamp duty applies to the land only.
Can Fixon arrange commercial and high-rise construction finance?
Yes. Fixon arranges commercial property purchases, commercial builds and high-rise construction finance through bank and non-bank lenders on our 60+ lender panel, including development-scale funding. Commercial deals turn on presentation — feasibility, pre-sales or pre-leases, and sponsor strength — which is where an ex-auditor structuring your submission earns its keep.
Ready when you are

Talk to Helen. Compare 60+ lenders in one call.

A free, obligation-free 15-minute consultation — by phone or video, wherever you are in Australia.

Talk to Helen — 0452 584 841 Apply online

0452 584 841  ·  helen@fixon.com.au  ·  Servicing clients Australia-wide

Call Helen — 0452 584 841