Our Services

Mortgage broking services

Eight lending areas, handled by one broker who works in all of them rather than referring the hard ones on.

✓ No fee in most cases|✓ 30+ lender panel|✓ Investor, SMSF & construction specialists|✓ Australia-wide|✓ Legally obliged to act in your best interests

LoanBuddy is a Parramatta based mortgage brokerage working Australia-wide, run by Shane Heness, a broker of eight years and a property investor since 2015. The panel covers more than 30 lenders. There is no fee to you in most cases, because the lender pays the broker on settlement. The specialisations are investment lending, SMSF lending, construction finance, bridging and guarantor loans.

Plenty of brokers will write a straightforward owner occupied loan. Fewer will take on a duplex build with a progressive drawdown schedule, a fund buying its own business premises, or a separating couple who need to hold two properties for nine months. Those are the files we want, and the reason the service list below is structured the way it is.

Choose a service

What we can help you with

Specialisation

Investment Loans

Most of our clients own between one and five properties. We structure each purchase so it does not block the next one, which matters more than a headline rate once you are past your second property.

Specialisation

SMSF Loans

New residential LRBAs ended on 10 August 2026. Refinancing an existing residential SMSF loan and borrowing to buy business real property both still work, and both are lanes we operate in.

Specialisation

Construction Loans

Progressive drawdowns are where construction finance goes wrong. We manage every draw from slab to handover and deal with the builder's invoices so you do not have to.

Specialisation

Bridging Finance

Bridging has changed. Products now exist with no repayments during the bridging period and interest capitalised, which suits downsizers and separating couples far better than the old model.

Specialisation

Guarantor Loans

A guarantor loan is a decision for two households, not one. We explain exactly what the parents are signing, what it puts at risk and how the guarantee gets released later.

Core service

Home Loans

Owner occupied lending is the most competitive part of the market, which means the difference between lenders is real and worth chasing. We do the comparison and the paperwork.

Core service

First Home Buyers

First home buying is mostly a sequencing problem. We work out which scheme you qualify for, what deposit actually gets you there, and in what order to do things.

Core service

Refinancing

Lenders reprice their back books. A loan you settled three years ago is rarely on the rate that lender would write today, and the fix is usually a phone call plus a comparison.

How we work

What working with LoanBuddy looks like

1Day 1, 45 minutes
Discovery call
A proper conversation about what you own, what you earn, what you are trying to do and by when. No document upload before we have spoken.
2Days 2 to 5
Strategy and lender comparison
We compare the panel against your situation and send you a written loan strategy report setting out the options, the numbers and the recommendation with reasons.
3Week 1 to 2
Application and submission
We prepare the file, write the credit summary and submit. A well-presented file gets a faster and cleaner assessment, every time.
4Week 2 to 4
Valuation, approval and documents
We chase the valuation, handle the assessor's questions and check the loan documents against what was approved before you sign.
5Week 4 to 6
Settlement
We coordinate with the solicitor and the lender, and confirm the rate and repayment that come out afterwards match the approval.
6Every 12 months
Annual rate review
We diarise your settlement anniversary and review the rate against the market each year. Clients do not have to ask.

Written by Shane Heness

Owner and mortgage broker at LoanBuddy, Parramatta NSW. Eight years as a mortgage broker and a property investor since 2015. Credit Representative #528658 under Australian Credit Licence #389328.

Access to 30+ lenders, all in one place