Position: Finance Broker/ mortgage broker

Company: Exactly Loans

Location: Level 1, 55 Plaza Parade, Maroochydore QLD

Employment type: Full-time

Salary: AUD 80,000.00 to AUD 85,000.00 Plus Superannuation The Company

Exactly Loans is an established mortgage broking practice with long years of experience in the market. We have a panel of bank, non-bank and private lenders and write loans Australia-wide. Our clients range from first-hand home buyers and investors to developers delivering projects of three to fifty units.

Position Overview

We are looking for a Mortgage Broker who can handle both residential home loans and property development finance from first call to settlement. You will manage your own pipeline of clients, from first home buyers, upgraders and property investors through to small and mid-size developers, and carry each file through scoping, lender selection, loan structuring, lodgment, approval and settlement.

Tasks and Responsibilities

- Run discovery and needs analysis for PAYG and self-employed borrowers, and assess borrowing capacity, cashflow and the client’s full financial position.
- Structure residential and investment loans (splits, offsets, fixed/variable mixes, interest-only and P&I;) and recommend lenders in line with best interests' duty and responsible lending obligations.
- Structure development finance through every stage: site acquisition and land loans, construction facilities, residual stock and bridging finance.
- Prepare and lodge credit submissions, satisfy lender conditions and work with solicitors, valuers, QSs,



real estate agents and credit assessors through to settlement.
- Negotiate pricing and terms, including line fees, exit fees and extensions, and carry out regular rate reviews for existing clients.
- Keep complete, compliant client files under the NCCP Act and our licensee’s requirements.
- Prepare client disclosure and loan documentation, including Credit Guides, Credit Quotes and credit proposal disclosure documents, setting out loan terms, interest rates, fees, repayment amounts and loan periods
- Managing client relationships through the entire property journey, providing strategic counsel and ensuring successful settlement.
- Maintaining deep industry knowledge of lending policies across major and specialist non-banks to continuously deliver optimal funding solutions.

Qualifications

- At least a Bachelor’s degree in a related field.
- At least one year of relevant experience may substitute for formal qualifications.
- Working knowledge of residential and development credit policy across major banks, second-tier lenders, non-banks and private lenders.
- Robust knowledge of mortgage products, lending policies, loan application procedures and regulatory requirements.
- Strong written and verbal communication skills, and experience using aggregator CRM and lodgement platforms.
- Strong attention to detail, analytical skills and accuracy in assessing financial information and preparing loan applications.

Only shortlisted eligible candidates will be contacted. Pay: $80,000.00 – $85,000.00 per year

Work Location: In person

📌 Finance Broker/ mortgage broker (Maroochydore)
🏢 Exactly
📍 Maroochydore