Best Foot Forward Mortgage Solutions
Helping You Take the Right Step Toward Homeownership

A picture is worth a thousand words, so we chose the logo to look like the Roman God Mercury – the fleet-footed messenger of the Gods. 

Mercury is the patron god of commerce, abundance and financial success.  He is known for his eloquence and is considered the best negotiator in the world. He is commonly identified by his winged sandals, and that is why we’ve chosen the “fleeting foot” as our logo. Mercury evokes classicism and intellectual distinction. With these qualities, we engage business with you and our lenders.

Vision Statement:


At Best Foot Forward Mortgage Solutions, we envision a future where homeownership is accessible, stress-free, and empowering for everyone. We strive to be the trusted partner that simplifies the mortgage journey, providing innovative solutions, expert guidance, and personalized service. We aim to help individuals and families put their best foot forward toward financial stability and their dream home.

Mission Statement

Best Foot Forward Mortgage Solutions
Helping You Take the Right Step Toward Homeownership

At Best Foot Forward Mortgage Solutions, we aim to empower individuals and families with the knowledge, resources, and personalized mortgage solutions they need to achieve their homeownership dreams. We are committed to providing expert guidance, transparent communication, and exceptional customer service at every step of the journey.

Focusing on integrity, innovation, and tailored financial solutions, we help our clients navigate the mortgage process confidently. Whether you're a first-time homebuyer, refinancing, or investing, we ensure you put your best foot toward a brighter financial future.

Best Foot Forward Mortgage Solutions always has your best interest at heart, and we pride ourselves on offering:

  • The experience and knowledge base to deliver a quality, bespoke product and the business model to manage it with flexibility and expertise

  • true market independence that can deliver impartial and competitive tailored solutions from the broadest range of options without the constraint of corporate allegiances

  • the time, energy and commitment to establish personal business relationships with clients based on listening, respect and trust

Best Foot Forward Mortgage Solutions Logo - Mercury God of Commerce Abstract blue wing logo design on a white background.

Values

  • Personal – your issues are our issues. We seek to build lasting relationships based on respect, trust, and a deep understanding of your situation so we can give you valued, impartial guidance to help you achieve your goals.

  • Approachable – Easy to talk to, always friendly and supportive. We clearly explain the complex so you can have confidence in each step.

  • Dynamic – We closely track all legislative changes and market developments to ensure sustainability, longevity and continued evolution of our value-adding capabilities.

  • Honest – We offer entirely fearless advice. Our choices align only with you and what we believe to be your best interests.

  • Consistent – You are always in control. We consistently deliver on our promise to provide our customers with the very highest quality personalised service on time and stress free.

Mortgage Broker Shona Stephenson and Director Adam Kingston discuss the best possible mortgage options for their clients. The two individuals are having a conversation at a desk with a laptop; one is facing the camera, and the other is turned away

FAQs

  • The banks pay Mortgage Brokers, usually 30-60 days after the loan has settled.

  • Mortgage brokers facilitate over 74% of all residential mortgages in Australia. ASIC strictly regulates mortgage broker commissions under the law, and Mortgage Brokers are required to act in the best interest of their clients. Mortgage brokers receive two types of commissions from lenders

    1. upfront commissions, typically between 0.65 - 0.70%, paid 30 days after the loan is settles

    2. trail commissions, paid over the life of a loan.

    Mortgage brokers generally receive standardised commission rates from lenders. By law, Mortgage Brokers must inform their clients about the structure of these commissions and the percentage involved. With the strict guidelines in place, there is little difference between the commissions paid by lenders; therefore, there are no incentives not to find the best possible loan for the client.

  • This depends on the lender to lender. Some lenders are high-speed, and some are much slower. We consider this, depending on your circumstances.
    If you have a sensitive timeline and the speed of your application is the most important thing, we will prioritise this in our research of lenders before proceeding to the application. The most important thing is for our customers to provide all their information as soon as possible, as we cannot get working on your application.

    When purchasing a property, it is best practice to obtain pre-approval through your mortgage broker and lender as a guide. NB: Pre-approval does not guarantee your loan application is successful. As a guide, one should allow for a 30-day finance clause when purchasing a property.

    Chatting with your mortgage broker sooner rather than later is best to guarantee your options.

  • This depends on your LVR Loan To Value Ratio and your ability to service your loan.

    Typically, banks will lend up to 80% LVR for a purchase. Above 80%, one can still borrow but may be required to pay lending mortgage insurance. You may also be assisted by a First Home Owners Grant, depending on your state.

    However, the real questions are focused on how you can repay that loan over the loan term.

    Banks will consider the following;

    • Salary, overtime, bonuses, rental income from investment properties, family tax benefits etc.

    • History of real savings, super, shares, and assets like cars, etc.

    • Dependants, and the outgoings for a family of that size. Your monthly expenditure for the family or yourself.

    • Other debts include car loans, student debt, credit cards, etc.

    • Your age and if you are close to retirement or have the required working career ahead of you to repay your loan.

    When applying for a loan, It is in your best interest to pay down as much debt as possible and reduce your monthly spending to ensure that you are viewed in the best possible way by the lender to be able to service your loan repayments.

  • Making an initial complimentary discovery appointment is easy. Just email us, and we will book a time that works around your busy schedule. If in the SEQ area, we can meet you face to face; outside of this area, we can meet with you online on Zoom, Google Meets, or Microsoft Teams.

    You can also communicate with us via WhatsApp.

    To connect with Adam, +61 402 609911

    To connect with Shona,+61 417 693 281

Contact us

Interested in connecting with us and booking a complimentary meet-and-greet discovery call?

We have offices in the Greater Brisbane Area and on the Sunshine Coast. We also service the Gold Coast, Toowoomba and the Australian Expat Community Globally. See our other business, Australian Expatriate Finance.