Mortgage broker · Refinancing & complex income
Port Stephens · Australia-wide by phone & video
Finance Engineered
for the season
you’re in.
Breathing room when things are tight. Momentum when you’re ready to push.
No cost · No obligation · A straight answer either way
The principal
The person reading your file has signed off bigger ones.
David is a Chartered Accountant who spent around 25 years as a family-office and group CFO, and has been a finance broker for 25+ years alongside it. He reads your finances the way a CFO reads a business: the whole picture, not just the payslip. Then he explains what he sees in plain English.
No call centre. No take-a-ticket queue. You deal with David and the team from LoanTorq, start to finish.
- Chartered Accountant
- Former group CFO
- 25+ years in finance broking
- MFAA member
Most brokers can show you the same lenders. The difference is the thinking.
Brokers largely work from similar panels, and no one has secret access. The edge is what happens before anything goes to a lender.
Why “Torq”
Life has many seasons, and your financial structure needs to support the season you’re in.
A race driver doesn’t hold the accelerator flat through a corner. You brake, take the line, then apply the torque on the way out. A 30-year loan has corners and straights too. Some seasons call for relief: easing the repayment pressure so you can breathe. Some call for momentum: paying it down faster, using equity, building towards what’s next. The skill is reading the road, and applying the right move at the right moment.
When things are tight, ease the repayment pressure so you can breathe.
When you’re ready, pay it down faster, use equity, build towards what’s next.
Where are you right now?
Three steps. Then we keep watching the road.
Start with a conversation
A 20-minute Clarity Call with David, by phone or video, with nothing to prepare. You’ll leave clearer on your next step, whatever you decide.
David designs the structure
Your whole position, read properly. Then which lender suits it and why, in plain English, trade-offs included.
We manage it end to end
Application, negotiation, follow-through. One point of contact from start to settlement.
And we don’t stop there. When rates move or your season changes, we take another look at your loan.
Learn · free
The things no one explains. Explained.
David reckons you should understand your loan before you sign it. Start with the guides below, or run your own numbers with our calculators.
And what it costs: nothing for the conversation. If a loan eventually proceeds, the lender pays LoanTorq a commission, explained plainly before anything goes ahead.
Know where you stand.
Twenty minutes with David. A straight answer either way, and a clearer view of your next move, whatever season you’re in.
No cost · No obligation