Welcome to the leading mortgage broker company locally in Hervey Bay, Queensland.

Backed by mountains of experience in home lending, we were created for the savvy Aussie who feels there must be a smarter way to finance a home - one where the greedy banks & mortgage brokers aren't the only ones cashing in.

Yes, we do what you’d expect.

Providing personalised mortgage solutions to first-time buyers, home upgraders, refinancers & investors across the Hervey Bay area.

But with a "giant movie plot" twist...

We give a generous share of our ongoing monthly broker commissions back to you, for the entire life of your home loan!

That extra cash is yours to use however you like - whether it’s treating yourself, covering bills or directing it straight into your home loan to pay it off faster.

Because we’re on a mission to make getting a home loan more rewarding for the millions of Australians who need a place to call home.

That's right! We called B.S. on the outdated mortgage industry where the banks & mortgage brokers keep all and transformed it into a new cash back model where your home loan gives back.

See how we stack up against the rest:

We understand that securing the right home loan can be a challenging process.

That’s why we’re committed to guiding you through every step of your mortgage journey.

Our team of experts works closely with a range of lenders to find the best mortgage options tailored to your individual needs and financial goals.

Whether you're looking to buy your first home, refinance your current loan, or invest in property, we have the expertise to help you achieve your property goals with confidence.

Why Choose Us as Your Mortgage Broker in Hervey Bay?

Local Expertise: As a Hervey Bay-based mortgage broker, we have a deep understanding of the local property market and community needs. We are proud to offer a personalised service tailored to Queensland residents.

Wide Range of Lender Options: Unlike traditional banks, we work with multiple lenders, giving you access to a variety of home loan products. This ensures that we can find the best possible deal for your circumstances.

Tailored Mortgage Solutions: At X Finance, we don’t believe in one-size-fits-all solutions. Our mortgage brokers take the time to understand your unique needs and financial situation, ensuring that we recommend the most suitable loan for you.

Ongoing Support: Our commitment doesn’t end once your loan is approved. We continue to offer support and advice to ensure that your mortgage works for you in the long term.

Our Mortgage Services

At X Finance, we provide a comprehensive range of services, including:

First Home Buyer Loans: Navigating the property market for the first time can be overwhelming. Our expert mortgage brokers will guide you through the entire process, helping you secure the right home loan for your first property purchase.

Home Loan Refinancing: If you’re looking to refinance, we can help you find a better deal to reduce your monthly repayments, access equity, or consolidate your debts.

Investment Loans: If you’re looking to build a property portfolio, we offer competitive investment loan solutions tailored to your needs.

Low Deposit Loans: If you don’t have a large deposit saved, we can connect you with lenders who offer low-deposit mortgage options.

Construction Loans: Building your dream home? We can help you secure a construction loan that supports your building project from start to finish.

Debt Consolidation: If you’re managing multiple debts, we offer strategies to help you consolidate and simplify your financial commitments.

Which brings us to you

We're here to help. This company is built on a foundation of service, a passion for making homeownership more accessible & a commitment to being a force for good in your financial journey.

Through our tailored mortgage solutions, resources, and ongoing support, we aim to make a real difference. We want to help you secure a home loan that works for you, not the banks—so you can build a life that you truly love.

Whether you’re a first-time buyer, refinancing, or looking to invest, we’re here to guide you to the best possible outcome and empower you to make confident, informed financial decisions.

Our Commitment to You

We are committed to making the mortgage process as straightforward as possible. We focus on building long-lasting relationships with our clients, and we are proud to be a trusted mortgage broker company in Hervey Bay. Whether you’re a first-time homebuyer, a property investor, or looking to refinance, we’re here to provide expert advice and personalised solutions to help you achieve your property and financial goals.

Contact Your Local Mortgage Broker in Hervey Bay

If you're ready to take the next step in your property journey, get in touch with us today.

Our team of mortgage advisors in Hervey Bay are here to help you secure the best home loan for your needs.

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Call us at: 0483908133