Your Mortgage Broker for Home Loans in Australia
Compare home loan options from a wide range of lenders — whether you’re buying your first home, refinancing an existing loan, or investing in property.
Ellesmere is an independent mortgage broker. Australia-wide, David Irwin compares home loan options from a wide panel of lenders — helping you find a mortgage suited to your circumstances, goals and financial position. As a mortgage broker, David doesn’t work for a bank. He works for you — reviewing your situation, comparing available options and guiding you through the process from application to settlement.
Whether you’re a first home buyer navigating the market for the first time, an investor looking to grow your portfolio, or a homeowner looking to refinance, David can help you understand what may be available and what might suit your situation.
Mortgage Broker Australia — Home Loans We Can Help With
First Home Buyer Loans
Buying your first home is one of the biggest financial decisions you’ll make. David can help you understand the options available, compare lenders suited to first home buyers, and explain relevant government grants and schemes that may apply to your situation — without the pressure of dealing directly with a bank.
Refinancing
If your current home loan no longer suits your circumstances — or you think you may be paying more than necessary — refinancing may be worth exploring. David can compare available options and help you understand what switching may mean for your situation, including any costs involved.
Investment Loans
Building a property portfolio requires the right finance structure. David can compare investment loan options across a range of lenders, taking into account your existing commitments, portfolio goals and overall financial position.
Self-Employed Home Loans
Self-employed borrowers often face additional complexity when applying for a home loan. David works with lenders who understand variable income and non-standard documentation — including low-doc and alt-doc options — and can compare what may be available for your structure and circumstances.
Construction Loans
If you’re building a new home or undertaking a major renovation, a construction loan works differently to a standard mortgage. David can explain how construction finance works, compare available options and help you find a lender suited to your project and timeline.
Low-Doc Home Loans
For borrowers who can’t provide traditional income documentation — such as recent tax returns or payslips — low-doc home loan options may be available. Eligibility, rates and conditions vary between lenders, and David can help identify what may suit your circumstances.
Commercial Property Finance
Looking to purchase or refinance a commercial property? David can compare commercial property finance options across a range of lenders — for owner-occupiers and investors — and help identify what may suit your situation and goals.
Why Use a Mortgage Broker Instead of Going Directly to a Bank?
According to ASIC’s 2024–25 data, mortgage brokers now write more than 74% of all new home loans in Australia — and a key reason is access. When you go directly to a bank, you see that bank’s products. When you work with David, he compares options across a panel of lenders, which can mean a wider view of what may be available for your situation.
David is also required under the best interests duty to act in your interests when recommending a home loan — not the bank’s. That means the advice you receive is focused on your circumstances, not on any one lender’s product.
Mortgage Broker Australia — FAQs
How much can I borrow for a home loan?
Your borrowing capacity depends on your income, existing debts, living expenses, the size of your deposit and the lender’s own criteria. Calculators can provide a rough estimate, but your actual borrowing power will depend on your full financial picture. David can give you a more realistic indication after reviewing your circumstances.
What’s the difference between fixed and variable home loans?
A fixed rate locks your interest rate for a set period, giving you certainty about repayments. A variable rate can move up or down with the market. Some borrowers choose a split loan — part fixed, part variable. Which suits you best depends on your circumstances, plans and how much flexibility you need. David can explain the trade-offs for your situation.
Can I get a home loan if I’m self-employed?
Yes. Self-employed borrowers can access home loans, though the documentation requirements differ from PAYG applicants. Depending on your structure and how long you’ve been trading, full-doc or low-doc options may apply. David can identify lenders suited to self-employed applicants and help you understand what documentation you’ll need.
Is it worth refinancing my home loan?
It depends on your current rate, remaining loan term, the costs of switching and what’s available in the current market. Refinancing can reduce repayments or access equity, but there are costs to consider. David can help you compare options and understand whether refinancing makes sense for your current situation.
How does the home loan process work with Ellesmere?
Start with a conversation. David will review your situation, help you understand your borrowing capacity and compare available options. If you choose to proceed, he prepares and lodges your application, liaises with the lender and keeps you informed through to settlement — without you needing to manage it all yourself.
Talk to David Irwin — an independent mortgage broker who compares home loan options across a wide range of lenders to help find a solution suited to your circumstances. Whether you’re buying, refinancing or investing, David can walk you through what’s available and what may make sense for your situation.
No obligation. No pressure. Just straightforward advice from a broker who works for you.