Why Us?

Baker Financial works for you and with you. We have been providing professional advice and service to structure and secure mortgage finance for satisfied clients for over 20 years.

It's a free service

There is absolutely no cost to you for our service. We are remunerated by the lender. There is no obligation or cost to discuss your loan needs, review your current or intended mortgages and provide quotations or obtain pre-approval. If you already know what you want in a home loan, we can still organise everything at no extra cost. In some cases we can negotiate a better rate for you.

We will obtain the best loan structure that works for you

We link home owners, investors and business people with the best finance products available from our extensive range of over 30 bank and non-bank lenders.

We look for the best loan structure that suits your individual circumstances, which may significantly reduce your ongoing monthly commitment. Unlike other financial advisers, we are not tied to any one financial institution. We are therefore not aligned to any loan product and can provide an independent and unbiased opinion on a range of lending options.

Strong relationships have been developed with the decision-makers at the financial institutions we deal with, which greatly assists the service and likelihood of mortgage finance approval.

Our expertise saves you time and money

You deal directly with the owner of the company. Michael Baker has almost 30 years in the financial services industry. You will receive expert advice on your mortgage requirements, whether it is for an owner-occupied or investment property. We have software that identifies the cash flow requirements and tax benefits for investment properties, which will assist you in determining whether to invest or not. We also use industry leading software to compare mortgage products to help you choose the loan structure that best suits you. Re-financing existing mortgages can be very cost effective. The mortgage that was the "right one" 5 years ago may not be the most suitable now. Refinancing &/or restructuring may save you $'000s. Give us a call and find out.

We can organise pre-approved finance for up to 12 months so you can move quickly when you find the right property, avoiding the chances of being outbid on the property. We can advise on the benefits of variable &/or fixed interest loans that will suit you now and in the future.

Personal service at your convenience

There are no bank interview hassles. We provide personal service and can meet you at our office or at your home or office. We are with you throughout the whole process - helping you complete your application form, liaising with solicitors & banks to ensure the loan is approved quickly & more importantly settled on time.

The full financial picture

Obtaining a mortgage may be the easy part. Ensuring that you can continue to pay for the mortgage or that the family can payout the mortgage in the event of a premature death is vitally important. We have a full range of personal risk insurance including Income Protection, Life, Total & Permanent Disability (TPD) and Trauma insurance to select from. Being financial advisers we also provide solutions for financial planning including managed funds and superannuation.

Baker Financial Services Pty Ltd ACN: 085836399

We are a credit representative (credit representative number: 397652) of BLSSA Pty Ltd (Australian credit licence number: 391237)

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