Synergy Mortgage Brokers: Home Loans Across South East Queensland
Synergy Mortgage Brokers is a locally based, client-focused mortgage broking firm serving South East Queensland. With offices on the Sunshine Coast and in Toowoomba, we help first home buyers, refinancers, upgraders and investors across the region find a home loan that fits their situation, comparing options across a panel of lenders rather than a single bank.
We are the Sunshine Coast and Toowoomba-based Synergy Mortgage Brokers, an Australian brokerage working across SEQ. We simplify the mortgage process, helping you secure the right home loan with confidence, clarity, and a professional team that genuinely has your best interests at heart.
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Our Lender Panel
One of the biggest advantages of working with a mortgage broker is access to a wide panel of lenders, far beyond what you'd find walking into a single bank, ensuring more loan options to compare. At Synergy Mortgage Brokers, our professional finance brokers compare home loans across major banks, regional lenders, and specialist non-bank lenders to find the right fit for your financial situation.
Our panel includes some of Australia's most recognised and trusted financial institutions, including:
Having access to multiple lenders means we can genuinely shop the market on your behalf, comparing interest rates, loan features, fees, and serviceability criteria to find the most suitable home loan for your needs, ensuring the result is tailored to you. We're not tied to any single bank, so our recommendations are always made with your best interests in mind, ensuring a fair and transparent process.
What Our Clients Say
We’re committed to delivering a professional service and ongoing support, ensuring every home loan decision is clear and well-informed.
Home Loan & Finance Solutions
We offer a comprehensive range of mortgage and finance services tailored to your individual needs, with professional guidance throughout:
First Home Buyer Loans
Buying your first home on the Sunshine Coast? Home buyers often tell us they want clarity on the loan and the commitment involved. We'll guide you through each step from understanding your borrowing power and loan options, to navigating the Government Schemes and helping you get finance approved. We make the journey manageable, not overwhelming. We're committed to providing tailored guidance, ensuring you understand the steps, requirements, and loan options before you make an offer.
Construction & Land Loans
Building your dream home? We can help you secure a construction loan or land and build package, with professional guidance on progress payments, fixed price contracts, and how to structure your finance and lending.
Investment Property Loans
Ready to grow your property portfolio on the Sunshine Coast? We provide professional support and clear lending guidance. We work with investors to structure the right finance for investment property purchases, including interest-only loans, equity release, and tax-effective lending strategies. We provide tailored lending guidance for investment property clients, ensuring each structure matches your goals and cash-flow needs, and that you understand the commitment involved.
Refinancing
Could you be getting a better deal on your current mortgage? We’ll help you compare options and understand the commitment before you switch. We assess your existing home loan, compare it against current market rates, and help you refinance to reduce your repayments, access equity, or consolidate debt, ensuring the move makes financial sense.
Self-Employed
Self-employed or a business owner? Securing finance can feel more complex, but our professional team specialises in helping clients with variable income find suitable loan options, including low-doc and alt-doc home loans, ensuring the requirements are clear from the start.
Home loan calculator
Use our user-friendly home loan calculator to estimate your potential mortgage payments and plan your budget with confidence.
How It Works
Getting started with Synergy Mortgage Brokers is simple, with professional support from start to settlement:
Step 1
Free Consultation: Tell us about your goals. We'll assess your financial situation, discuss your loan options, and answer your questions (with no obligation), ensuring you understand the commitment and next steps.
Step 2
Loan Comparison: We compare home loans across our panel of lenders to find the right rate, features, and structure for you.
Step 3
Application & Approval: We manage the paperwork, liaise with the lender, and keep you informed every step of the way through to loan approval, ensuring nothing is missed.
Step 4
Settlement & Beyond: We're with you through to settlement and available to review your loan whenever your circumstances change.
Why Choose Synergy Mortgage Brokers?
Synergy Mortgage Brokers is a local, client-focused brokerage. We are mortgage brokers first and foremost, which means our job is to understand your situation, compare home loan options across a range of lenders, and support you from the first conversation through to settlement.
We serve clients right across SEQ, from the Sunshine Coast and Toowoomba through to Brisbane, the Gold Coast and the surrounding regional areas.
- Access to a wide panel of lenders - we compare banks, credit unions, and non-bank lenders to find your best home loan options
- Personalised service - no cookie-cutter advice. We take the time to understand your financial situation, goals, and borrowing needs.
- Expert guidance at every step - from your first enquiry through to settlement and beyond
- No broker fees - our service is at no cost to you; we're paid by lenders
- Local Sunshine Coast knowledge - we understand the local property market and what lenders look for in this region
Many clients highly recommend our professional approach because we focus on practical Solutions, ensuring your home loan is tailored to your needs and backed by ongoing support.
Mortgage Brokering Across South East Queensland
Synergy is a genuine brokerage in SEQ, not a national call centre. We are based on the Sunshine Coast and in Toowoomba, and we work with clients across South East Queensland, including Brisbane, the Gold Coast and the surrounding regional centres.
Local market knowledge matters. A broker who works across the region understands how different property markets and property types tend to be assessed by lenders, which helps point you toward finance that suits what you are buying and where.
We meet clients in person at our offices and work remotely by phone, email and video, so wherever you are in SEQ, you can work with us in the way that suits you. To go deeper on a specific area, see our Sunshine Coast mortgage broker and
Toowoomba mortgage broker pages.
Frequently Asked Questions
What does a mortgage broker do?
Synergy Mortgage Brokers is a locally based, client-focused mortgage broking firm serving South East Queensland, with offices on the Sunshine Coast and in Toowoomba. We compare home loans across a panel of lenders and manage the process from first chat to settlement, ensuring the loan we recommend is the one that suits you.
Where are Synergy Mortgage Brokers located?
We have offices on the Sunshine Coast and in Toowoomba, and we work with clients across South East Queensland. We meet clients in person at our offices and also work remotely by phone, email and video across the wider region.
Does Synergy charge fees for its mortgage broking service?
In most cases, our service is at no cost to you, because the lender pays us a commission when your loan settles. Some products or situations can carry a fee, and if one applies, we will tell you upfront before you proceed. How we are paid never changes the loan we recommend, since we are required to act in your best interests.
What loans can Synergy Mortgage Brokers help with?
We help with home loans for first home buyers, refinancing, investment property loans, construction loans, and upgrade finance, among others. We compare options across our panel of lenders and arrange pre-approval and the full application through to settlement. The right option depends on your situation, so it is best to start with a chat.
Meet the Synergy Mortgage Brokers Team
At Synergy Mortgage Brokers, you're not just another borrower; you're a part of our community. Our team brings together decades of experience in finance, banking, and mortgage broking, with a genuine commitment to helping every client achieve their homeownership and financial goals.
Brendan Philp
Director
Before entering finance, Brendan ran his own small business, and that experience is at the core of how he works with clients today. He understands that a mortgage decision is rarely just financial. Since leading Synergy Mortgage Brokers from early 2022, Brendan has built a reputation for honest, thorough advice and a genuine commitment to finding solutions that fit each client's life, not just their loan application. He works with first home buyers, upgraders, investors, and self-employed borrowers, and holds a Bachelor of Commerce (Business Law) and a Diploma of Finance & Mortgage Broking Management.
Credentials & Affiliations:
- Graduate Certificate in Business
- Bachelor of Commerce (Business Law)
- Diploma of Finance & Mortgage Broking Management
- Credit Representative #541982
Marcus Barnard
Director
Marcus brings over 25 years of banking experience to the team, having worked across Queensland and northern New South Wales in senior roles, including State Agribusiness Manager and Regional Executive. He joined Synergy in 2022 and works across residential, commercial, equipment, and agribusiness lending. Giving clients access to a breadth of financial knowledge that's hard to match.
Credentials & Affiliations:
- Bachelor of Business (Property Studies)
- Graduate Diploma (AgEcom)
- Credit Representative
Janelle Zaknich
Broker Assistant
Janelle is a highly experienced finance professional with over 20 years in the mortgage and lending industry. Based on the Sunshine Coast, she brings a wealth of knowledge across mortgage broking, credit assessment, and compliance, having worked with leading organisations including REA Group/Mortgage Choice, KPMG, and ING Direct. Janelle's exceptional attention to detail, strong communication skills, and passion for delivering great client outcomes make her an invaluable part of the Synergy Mortgage Brokers team.
Credentials & Affiliations:
- Diploma of Financial Services (Finance/Mortgage Management)
- Certificate IV in Financial Services
- Bachelor of Business in Tourism
Where We Service
Our Office Locations
With offices on the Sunshine Coast and in Toowoomba, Synergy Mortgage Brokers is well placed to help clients across South East Queensland and beyond. Whether you prefer to meet face-to-face or connect remotely, our professional team is ready to help.
Sunshine Coast Office
Maroochydore
Address:
Tower 2, Level 5, Suite 515, 55 Plaza Parade,
Maroochydore QLD 4558
Phone: 1300 324 588
Email: info@synergymortgagebrokers.com.au
Opening Hours: Monday–Friday: 8:00 am–5:00 pm
Our Maroochydore office is centrally located in the heart of the Sunshine Coast, servicing clients across Maroochydore, Noosa, Caloundra, Buderim, Mooloolaba, and the wider Sunshine Coast region, and is a convenient Coast Mortgage Broker location for locals.
Toowoomba Office
Toowoomba City
Address:
Level 3, 482 Ruthven Street (Walton Stores),
Toowoomba QLD 4350
Phone: 1300 324 588
Email: info@synergymortgagebrokers.com.au
Opening Hours: Monday–Friday: 8:00 am–5:00 pm
Our Toowoomba office serves clients across the Darling Downs region, including Toowoomba, Oakey, Pittsworth, Warwick, and surrounding areas. We offer the same expert mortgage broking and home loan services to regional Queensland clients as we do on the Sunshine Coast, with professional support and tailored guidance. Across the Sunshine Coast and Toowoomba, our finance brokers provide professional support, ensuring consistent service standards for home buyers and investors.
News & Updates
Ready to Start Your
Mortgage Journey?
Whether you're buying your first home, refinancing an existing loan, or looking to grow your investment property portfolio on the Sunshine Coast, Synergy Mortgage Brokers is here to help.
Get in touch today for a free, no-obligation consultation with one of our experienced, professional mortgage brokers for tailored options and support.