I Know The Broker

I Know The Broker Mortgage Broker offering home loans, construction loans, refinances, investment loans personal loans, car loans and insurance. Online or in person!

We’re an independent Mortgage Broking firm based on the Sunshine Coast, with satisfied customers Australia wide. We can help you with all your personal, residential, and small business lending needs. Voted top 20 broker in Australia, our highly trained team will listen and understand your goals to match your requirements with the best suited product available. We specialise in showing our clients

how to structure their loans AND other debts for most benefit, saving them thousands in interest, paying off their home and personal loans faster, all without affecting their current lifestyle. We work with our clients to plan for and use debt correctly. For instance, if you want to maximise your borrowing capacity so you can buy a new home or reduce your monthly loan repayments, we will show you how to do that. If you have more involved lending needs such as trusts, SMSF, or self-employed structures, we can help with that too. We are solutions focused, and pride ourselves on providing friendly and practical lending guidance. We will identify the right lending solution, negotiate the best rate, and educate you on how to take full advantage from your new loan. A small and energetic team with a love for the challenges this ever-changing lending environment presents, take advantage of our experience and knowledge of the different banks, policies, and requirements to make certain you’re approved for the right loan the first time. With access to over 60 lenders, the ability to do everything remotely or in your home/office or a coffee shop, our services come at no charge to you - now is the time to get in contact for your new home loan, refinance, construction, investment, or small business loan.

It is the first day of Spring where all of a sudden, it has stopped raining, the days are warmer, the grass is green, th...
01/09/2026

It is the first day of Spring where all of a sudden, it has stopped raining, the days are warmer, the grass is green, the trees are blossoming, and everything seems to have new life.

Happy days ahead and summer is just around the corner!

Our dear leader Renee will be taking a well deserved break from 02 September 2026 to the 14th October 2026. During this ...
30/08/2026

Our dear leader Renee will be taking a well deserved break from 02 September 2026 to the 14th October 2026. During this time, Elliott & will continue looking after you, so it's business as usual. If there's anything you'd like to discuss with Renee personally before she leaves, please let us know and we will schedule in an appointment before this date on 0493 208 079.

Thanks Ivanka 😊.

What is a late payment and how does it affect your credit report?1.Late payments are between 14 days and 60 days and the...
27/08/2026

What is a late payment and how does it affect your credit report?

1.Late payments are between 14 days and 60 days and their impact on your credit score vary

If you pay the minimum repayment on your credit card or loan account after the “grace period”, which is more than 14 days past the due date, this can be recorded on your credit report as a “late payment”.

2.Late payments can be registered on small amounts of money

A late payment can be registered for any small amount that represents the minimum repayment on a credit account (like a credit card, a personal loan or a mortgage) at a point in time. Even a $5 account paid late is registered.

3.You have to wait 2 years before your past late payment history is wiped.

What is a default payment and how does it affect my Credit Score?*Defaults occur after 60 days and are considered a seri...
25/08/2026

What is a default payment and how does it affect my Credit Score?

*Defaults occur after 60 days and are considered a serious influence on your credit score.

*A payment later than 60 days is a default. This will negatively impact your credit score.

*The default information is found in the Overdue Accounts section.

*If you have a default on your credit report you can lessen the impact of the default on your score by making repayments on time. This more recent good behaviour can help improve your score.

*Defaults are recorded on missed payment of $150 and over

*A default can only be recorded on your report if you miss a payment which is more than $150 and is more than 60 days overdue.

*You have to wait 5 years before a default is wiped from your credit report

*A default is more serious and therefore remains on your credit report for 5 years.

Our dear leader Renee will be taking a well deserved break from 02 September 2026 to the 14th October 2026. During this ...
24/08/2026

Our dear leader Renee will be taking a well deserved break from 02 September 2026 to the 14th October 2026. During this time, Elliott & will continue looking after you, so it's business as usual. If there's anything you'd like to discuss with Renee personally before she leaves, please let us know and we will schedule in an appointment before this date on 0493 208 079.
Thanks Ivanka 😊.

What is in your credit report?Your credit report is a record of your credit history. It includes information to identify...
20/08/2026

What is in your credit report?

Your credit report is a record of your credit history. It includes information to identify you as well as information about your credit history, including loans you've applied for and taken out. You can access your credit report free of charge every three months.

The report will contain;

1. Personal Information
2. Credit Rating
3. Credit Account information
4.Repayment History Information
5.Financial Hardship Information
6.Defaults
7. Serious Credit Infringements
8.Credit enquiries

Simple Lending using a Directors WageA recent client, John Smith, runs a successful electrical business, managing a team...
18/08/2026

Simple Lending using a Directors Wage

A recent client, John Smith, runs a successful electrical business, managing a team of 10 across multiple job sites through three separate business entities. He already owns two investment properties via separate trusts and was looking to purchase again—wanting to maximise borrowing power without the hassle of complex paperwork.

Despite the layered business structure, John pays himself a consistent wage through single-touch payroll. That meant we could match him with a lender who only needed two recent payslips and an income statement. That’s all it took to verify his income!

On top of that, John boosted his borrowing capacity by taking advantage of the reduced refinance servicing buffers now available with many lenders.

If you think self-employed or commercial lending has to be complex or time-consuming, talk to us first. There’s often more than one way to achieve your goals—and some are much easier than you’d expect.

Address

Sunshine Coast, QLD
4573

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+61410413196

Website

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