Free 30-minute tax and mortgage consultationBook now

How it works

Five steps, no mystery

Whether it's a first home, a refinance or a commercial facility, the shape of the process is the same — and you should know it before you commit an hour to anyone.

  1. 1

    Discovery call — free, 30 minutes

    We talk through your goals, timing and questions. You don’t need documents yet; you leave knowing whether and how we can help, and what happens next.

  2. 2

    Financial assessment

    With your consent we review income, commitments, deposit and credit position — and calculate your borrowing range across multiple lenders, not just one.

  3. 3

    Compare appropriate options

    You get a short, explained list of loan options matched to your situation. We walk through the trade-offs until the choice feels like yours, because it is.

  4. 4

    Application support

    We package the application to the chosen lender’s requirements, lodge it, respond to assessor queries and keep you updated at every milestone.

  5. 5

    Approval and ongoing support

    We coordinate settlement with your conveyancer and lender, then stay in touch with periodic reviews so your loan keeps earning its place.

Ground rules

What you can expect from us

Response times

Enquiries answered within one business day. Application milestones flagged to you as they happen.

What we need from you

Honest numbers and timely documents. We give you a personalised checklist so there’s no guessing.

Your data

Your information is collected and used as set out in our Privacy Policy, and never sold. Sensitive documents move through secure channels, not email attachments to strangers.

Before you ask

Process questions, answered

Costs, timing, and how broking actually works.

What does a mortgage broker actually do?
A mortgage broker compares loan options from a panel of lenders on your behalf, recommends options suited to your situation, prepares and lodges your application, and manages the process through to settlement. Brokers must comply with a best interests duty when providing credit assistance to consumers, which means acting in your best interests when recommending a loan.
How much does it cost to use Influx Financial?
For most residential home loans, our broking service is provided at no direct cost to you — we are paid a commission by the lender you choose once your loan settles. Any commissions and how we are paid are disclosed in our Credit Guide and before you apply. Some complex or commercial scenarios may involve a fee, which we always agree with you in writing first.
Is a broker better than going straight to my bank?
Your bank can only offer its own products. A broker compares options from many lenders, which matters because lenders assess income, deposits and property types differently — the lender that suits your neighbour may decline your application, and vice versa. We also handle the paperwork and follow-ups so you deal with one point of contact.
Do you only help clients in Melbourne?
We are based in Melbourne and most of our clients are in Victoria, but we work with clients across Australia through phone and video appointments. Loan applications are handled electronically end to end.
What is the difference between Influx Financial and OneHQ Accounting?
Influx Financial provides mortgage broking and lending services. OneHQ Accounting, led by the same directors, provides accounting and tax services. Having both under one roof means your loan strategy and tax position can be considered together — particularly useful for self-employed borrowers and property investors.

Talk to us before you talk to a lender

A free 30-minute consultation — tax and mortgage questions welcome. No obligation, no pressure, and you leave with a clear next step.

Book a Free Consultation 03 7047 9370

Or send an enquiry and we'll call you back.