Not your dad’s mortgage broker.

We help first-home buyers figure it out, without the jargon, the judgement, or the “just stop buying coffees out” chat.

Nathan, founder of Loan Locker smiles at the camera.

Hey there, I’m Nathan

Living room scene with a dark sofa and a white pillow, a wooden side table with a large paper lamp and a small flower arrangement, a wall with intricate molding, a large abstract painting, and a hanging light bulb.
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With 14+ years of industry expertise and access to over 40 lenders, I can help you buy your first home, build your future, or refinance smart - with advice that actually makes sense for YOU.

You’ve done the late-night scrolling. You’ve saved, asked around, maybe even looked at a few places. But when it comes to actually making a move? You’re stuck between not knowing enough and not knowing what’s next.

That’s where Loan Locker comes in.

I’ll help you work out what you can borrow, what you need, and what it all means. Then guide you through the process, from pre-approval to popping the bubbles!

I work with legends like you if you’re:

→ Renting and wondering if buying is even possible for you.

→ Sick of TikTok finance bros and real estate ‘advice’ that makes no sense to your situation at all.

→ Done with saving but still feel stuck with how to move forward.

Who is Loan Locker for?

If you’re smart, switched on, and still feeling unsure about how to get into the property market, this is for you;

→ Maybe you’re renting and wondering if buying is even possible.

→ Maybe you’re ready to invest but don’t want to mess it up.

→ Maybe you’re stuck on a loan that’s no longer working for you.

Loan Locker helps you make confident, informed decisions about your home loan. We show you exactly what you can borrow, compare real options from 40+ lenders, and guide you through each step so you can buy, refinance, or invest with clarity and control.

Where your big dreams meet real plans

First Home Buyers

Think you need a 20% deposit to buy your first home? Think again.

Confused about pre-approval, grants, or what actually happens when you apply? You’re not alone.

We help first-home buyers cut through the noise, understand their options, and build a plan that works for them.

Rentvesting

Live where you love, buy where it makes sense. Rentvesting lets you enter the property market without compromising your lifestyle or location.

We’ll show you how to structure your loan, weigh up your borrowing power, and start growing your portfolio, even if you’re still renting.

Refinancing & Restructuring

If you haven’t looked at your loan in the last couple of years, there’s a good chance you’re paying more than you need to.

Whether you want to reduce repayments, consolidate debt, or unlock equity, we’ll compare 40+ lenders to find the right move for your money.

Owner Occupiers

Buying a place to call your own? Whether it’s your first or your forever home, we’ll help you structure your loan to suit your lifestyle now and set you up for the future.

From choosing between fixed or variable rates, to understanding repayments and offset accounts, we make sure you feel confident every step of the way.

Real People

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Real Talk

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Real People · Real Talk ·

  • Nathan was a great help and advocate from day one, helping me to navigate being a first time home buyer. Always available and patient with my questions, Nathan was an awesome resource and got me a really competitive rate. Would gladly recommend Nathan to anyone needing to buy a home!

    - Matt - First Home Buyer

  • I had a great experience with Nathan. He was exceptional in getting a deep understanding of my finances, my loan requirements, and was the most thorough Mortgage broker I've worked with after working with 3 other brokers. He provided comparative loan options, considered all grants and avenues to maximize the loan amount. His experience in working for a bank really shows up as he knows the inner workings and can provide proactive guidance to get the maximum loan amount.

    - Muhammad

  • Nathan did an excellent job in helping us find the best loan while we were buying our new place. He helped us quickly jump through all the hoops we needed so we could move on the property we really wanted and has continued to help us with getting the best deals for our evolving situation since! We would absolutely recommend reaching out to Nath if you're thinking about purchasing property.

    - Nicholas

  • Nathan was awesome to deal with. He helped my partner and myself get pre-approval quickly, with no conditions which helped us get the edge on the offer for our property. He gave us options and advice on different banks to work out what would suit us specifically. He's awesome to chat to, answered any questions clearly and accommodated virtual calls whenever worked for us. Would definitely recommend Loan Locker to anyone looking for a new loan or refinance.

    - James

  • As a first time home buyer I was incredibly anxious about the process of applying for a mortgage. Nathan was amazing to work with and made the process so straight forward, I couldn’t recommend him more highly!

    - Aisha - First home Buyer

  • Nathan was a pleasure to deal with, and made the daunting task of re-financing incredibly simple. I would recommend his services to anyone. Thank you Nathan!

    - Chris

  • Nathan is fantastic. He cares about his clients and his knowledge of the end to end mortgage broking process is second to none.

    - Brad