Float Mortgages

Home loan expertise and financial advice.

All our mortgage brokers are also financial advisers – we seek to understand what you have, what you need, and what you want. Whether you’re buying that first little do-up, want to add to your property empire, or need a better deal or structure on your current mortgage, we know how to make it super easy to secure the loan and we’ll help you structure it so it best suits your goals.


A home loan that worked a few years ago won’t necessarily work forever and it could be a great idea to get a second opinion. If you’re worried that what you’re working with no longer fits, or you haven’t heard from your bank or broker for some time, Float can help. We design mortgages to suit you, not the bank.

  • Provide a range of tailored lending choices
  • Restructure your current lending to work smarter and provide more flexibility for you.
  • Secure cash back from a new banking relationship, which will cover your solicitor fees and probably a bit more


At the end of your fixed term you have a decision to make – and getting it wrong could mean paying far more interest than you need, or worse still, not having the long-term certainty that you want. Our re-fixing services will tailor and lock in the best solution for you.

  • We’ll help you decide what term best suits your situation
  • Roll your mortgage to fixed, floating, or a mix of both including fixed-rate term splits
  • Break or consolidate loans to best leverage the current market

Property Investors

Float takes a big-picture view of your finances to help you get the best results from your investment properties. You’ll get the advice and guidance you need to grow your portfolio. From leveraging your equity to optimising your cash flow, you’ll earn better returns from your investments.

  • Optimise cash flow with interest-only loans
  • Minimise interest rate risk with smart hedging strategies
  • Improve cash flow and leverage equity to grow your wealth

Second Tier and Non-Prime Lending

We have relationships with second-tier lenders (or non-prime lenders) for out-of-the-box criteria.

Not everyone fits into the strict policies and lending criteria of the big banks, and not everything they say is final. There are always options through second-tier, non-prime, and private lenders that our team can help you access.

First, we’ll help you get approved, then we’ll work with you to build a strategy to become ‘Main Bank Bankable!’

  • Bad credit history?
  • Self-employed less than 2 years?
  • Previous business ran into trouble?
  • Your current bank is saying no?
  • We will work with you to become ‘Main Bank Bankable’ again