Orchard Mortgage Brokers

Our brokerage is led by Michael Wills, with offices in Paddington, Brisbane and Mooloolaba on the Sunshine Coast. We support first-home buyers, investors and refinancers, including construction, self-employed and business finance.

Commercial property, vehicle and equipment finance can require attention to business cash flow, the use of funds and available security.

Michael Wills and the team support borrowers from initial loan comparison to the practical stages of application and settlement.

We begin by discussing the proposed property, deposit, income, existing debts and transaction timing. These details help establish a borrowing plan in the context of realistic household repayments.

First-home buyers need to consider the deposit, transaction costs and evidence required by lenders. We explain borrowing estimates, conditional pre-approval and the further checks needed before final approval.

Homeowners considering refinancing can discuss their current loan balance, remaining term, interest structure, offset features and switching costs. We compare those conditions with potential alternatives.