Frequently Asked Questions

What is a mortgage broker?

A mortgage broker acts as a trusted intermediary between you and a wide range of lenders, helping you find the most suitable home loan for your goals and financial circumstances. At Artisan Finance, our brokers compare hundreds of products across Australia’s leading banks and lenders, negotiating competitive rates and terms to save you time, stress, and money over the life of your loan.

Does it cost money to use a mortgage broker?

No, using a mortgage broker comes at no direct cost to you. Mortgage brokers are paid a commission by the lender once your loan settles – meaning you benefit from expert advice, lender comparisons, and personalised service without paying any upfront fees. At Artisan Finance, we’re fully transparent about how we’re paid and always act in your best interests.

Are mortgage brokers regulated in Australia?

Yes – mortgage brokers in Australia are strictly regulated by the Australian Securities and Investments Commission (ASIC) under the National Consumer Credit Protection Act. Brokers must hold an Australian Credit Licence or operate as an authorised representative under one. All brokers are bound by the Best Interests Duty, ensuring they act in the best interests of their clients and prioritise each borrower’s needs when providing credit assistance.

Why use a mortgage broker instead of going directly to a bank?

Working with a mortgage broker offers flexibility, choice, and peace of mind. Brokers have access to a panel of lenders including major banks and specialist providers allowing them to tailor solutions that suit your needs. They handle the research, paperwork, and negotiation on your behalf, ensuring you secure the right loan structure and competitive rate while saving you valuable time in the process.

Why Choose Artisan Finance?

We know every borrower is different – that’s why we take a tailored approach to finding your perfect loan. With access to a wide panel of lenders and deep industry knowledge, we make the process smooth, transparent, and stress-free.