Book a Free Discovery Call with an Expert Mortgage Broker
Navigate the lending process with Peace of Mind and Tailored Solutions.
Providing options that suit you and your budget
Unlike your local bank’s home loan specialist, we’re not attached to a single lender. With access to over 35 lenders, we provide an array of options that can save you thousands of dollars in interest and fees on your home loan.
We stay current with the market, so you don’t have to. We also review our clients’ home loans annually to ensure they remain competitive and aligned with their goals.
We have helped hundreds of people just like you to buy their first home, refinance, or invest in property. We’re here to make your mortgage journey as smooth and successful as possible.
Rhys Butler
As the Co-Founder of My Mortgage Butler, Rhys combines his love for home loans, spreadsheets, and processes to serve clients in Brisbane and beyond. He guides clients through every step of their mortgage journey, from securing financing for apartments and family homes to designer residences, new constructions, and even small-to-medium-sized property portfolios.
With three years of experience in mortgage broking, eight years in the financial services industry, and numerous education qualifications, Rhys brings a wealth of knowledge and passion to his role. From a young age, Rhys developed a deep appreciation for finance, thanks to his mother’s teachings on the value of money and constantly searching for ways to reduce costs.
Rhys has also had the pleasure of helping clients purchase sleek new Teslas. If he’s not busy exploring home loan options for his clients, you can often find him enjoying a round of golf at a local course.
What Rhys loves most about mortgage broking is the value he can offer clients, often at no cost. His role involves providing trusted mortgage advice, securing competitive home loans aligned with client’s needs and goals, and conducting annual follow-ups to ensure their loans remain beneficial. Rhys views his clients’ success as his own, believing that when his clients thrive, so does he.
Whether you’re based in Brisbane or prefer to work remotely, Rhys is the broker to call for unparalleled industry expertise and personalised service.
Terence Butler
Terence brings four years of experience in mortgage broking and a decade in the financial services industry, complemented by various educational qualifications. He is also actively advancing his expertise by pursuing a Bachelor of Economics and Business.
A devoted family man with a big heart, Terence has achieved his dream of owning acreage with his wife, where their children have ample space to play, room for various animals, and the perfect soil for their garden.
As the driving force behind My Mortgage Butler, Terence partnered with Rhys to establish their family business, combining their knowledge and experience to assist others in achieving the dream of homeownership. Terence finds immense joy in helping growing families purchase their first home, much like his own.
His favourite part of mortgage broking is guiding clients through every step of the home loan process—from finding the right loan and celebrating their approval to calling them on settlement day to share the exciting news that they can collect the keys to their new home. Terence values being part of these significant milestones and helping people achieve their homeownership dreams.
If you’re seeking a home that suits your family in Brisbane or the Scenic Rim, Terence is the person to call. He’ll help you move closer to achieving your home loan goals with care and expertise.
Our process
At My Mortgage Butler, we aim to remove the stress and anxiety from the often complex world of home loans. We understand that navigating the industry and finding the best outcome for your budget and needs isn’t something typically taught in school, and many people aren’t sure where to begin. That’s where we come in.
We offer free advice for those negotiating with their bank independently and complimentary property reports and home loan reviews.
My Mortgage Butler simplifies what can be a complex process, taking the time to understand you and your home loan needs
STEP 1
Initial consultation
Begin with a no-obligation consultation over the phone, lasting just 20-30 minutes. During this initial conversation, we’ll categorise your needs into either Property or Refinance, ensuring we understand exactly what you’re looking to achieve
Purchasing Property
During this phone call, we will discuss:
What are you looking to do?
- Purchase first home
- Purchase next home
- Purchase investment property
- Construction loan
- What is your timeline, and are there any dates you are working towards?
- Your borrowing capacity
Your funding position
- Total cost of purchase
- Purchase price
- Government fees
- Lender costs
- Allowance for additional costs: Conveyancer, Building Inspector, Council rates, & water etc.
- Grants and concessions available to you
- Minimum and recommended deposit amount
- Minimum and recommended loan amount
- Estimated loan repayments
Refinance
During this phone call, we will discuss:
What are you looking to do?
- Standard refinance
- Seek a cheaper interest rate
- Reduce repayments
- What is your timeline, and are there any dates you are working towards?
- Your current home loan and how it compares against the market
- How much your home is worth?
- Any home loan preferences
Cashout refinance
- Complete renovations
- Consolidate debt
- Purchase an asset
- Investment purposes
- Other
STEP 2
Supporting documents
After our initial phone consultation, we will set up your access to our secure client portal, “Finance Vault.” Here, you will find a checklist of the documents we require for your lending enquiry.
We ask for these documents upfront as this helps us speed up the process and identify how we can best assist you.
Your details
We need to collect some basic details about you and your co‐applicant (if applicable). This includes your contact information, employment situation, income, assets, and liabilities.
Income documents
A copy of your two most recent payslips.
Or if you are self employed, provide your personal and business tax returns for the previous two years.
Identification Documents
A copy of your driver’s license.
Bank statements and home loan statements (if applicable)
A copy of your bank statements and home loan statements.
STEP 3
Finance appointment
During the finance appointment, we will:
Discuss your financial situation in detail.
- Your employment history and acceptable income
- Your current liabilities and living expenses
- Your credit history and account conduct
Go over your goals
- Current and future goals
- Discuss your borrowing capacity and deposit requirements.
- Discuss the different home loan types and how you would like to structure your home loan.
- Identify and discuss any potential issues that could affect your ability to qualify for a home loan, and we will work with you to develop strategies to help mitigate these.
STEP 4
Assessment & recommendations
Now that we understand your financial situation, goals, and requirements well, the team will work hard to complete a preliminary assessment and narrow down suitable and competitive home loan options.
This is where we will review your eligibility for a loan across our panel of lenders. We will liaise with lenders to ensure you meet their lending requirements and assess your borrowing capacity and deposit requirements.
This ensures that we only recommend products and lenders where you have a high chance of being approved.
While reviewing your eligibility, we are also researching and negotiating with lenders to find you suitable and competitive home loan options.
We will also discuss:
- Discuss the pros and cons of each
- Our highlighted option and the reason why
- A breakdown of the funds required
- How you would like to structure your loan
- Reasons why you may not meet the eligibility criteria for certain home loans
- If you believe there’s a better option, we’ll gladly reassess and find the best fit
STEP 5
Application & approval
After you have decided on a lender and product, we will prepare your application either for Pre‐approval or, if you have a contract ready to go, we will order a valuation and submit your application for “Formal Approval”.
This involves:
- Completing all the relevant data entry
- Generating lenders’ application forms
- Generating the credit proposal
- Preparing submission notes for your application
- Preparing supporting documents for your application
From here, we will:
- Guide you through the contracts step by step
- Address any questions you have
- Outline the following steps and how the settlement will be handled
- Assist in scheduling a pre-settlement inspection to verify the property’s condition
STEP 6
Settlement & Beyond
Settlement day is the day the property is officially transferred into your name.
Your conveyancer and lender, as well as the seller’s conveyancer and lender (if applicable), will meet to exchange all the relevant legal documents. The majority of the time, this process now occurs online through a digital settlement platform called PEXA (Property Exchange Australia).
On this day, funds are disbursed, and documents to transfer property ownership are lodged with the land registry. Your conveyancer will represent you at settlement; as a buyer, you are not required to attend.
Following this, My Mortgage Butler will contact you annually to review your home loan, provide relevant updates, and discuss refinancing options if applicable.