Frequently asked questions

Who is Titan Finance Brokers?

Titan Finance Brokers is a Melbourne based Finance brokerage founded by Luke Phillips. A career that began in automotive finance, followed by more than 15 years in the Aviation industry across Manufacturing and Maintenance businesses. Luke has built a reputation for precision, problem-solving, and delivering exceptional customer service while focusing on quality. He gained valuable insight into the property industry through Project Management team roles in both Commercial fit outs and medium density residential construction.

Today Luke is focused on helping Australians secure the right home loans, refinancing solutions, investment loans, commercial finance, and asset finance. At Titan Finance Brokers, we believe finance should be straightforward, transparent, and tailored to your goals. Whether you're buying your first home, growing your property portfolio, or financing your next business asset, we're here to guide you through every step with honest advice and personalised service.

What does a Mortgage/Finance Broker do for their clients?

A Mortgage/Finance Broker acts as your personal home loan expert, helping you compare loan options from a panel of lenders instead of relying on just one bank. At Titan Finance Brokers, we take the time to understand your financial situation, borrowing goals, and future plans before presenting scenarios that could suit your needs.

From your initial consultation through to loan approval and settlement, we will help you through the entire process. This includes comparing home loan products, preparing your application, liaising with lenders, and keeping you informed. We also continue to support you after settlement, helping you review your loan as your circumstances change.

How much does it cost?

In most cases, there is no cost to use Titan Finance Brokers. We are generally paid a commission by the lender once your home loan settles, meaning you can access expert guidance and a wide range of loan options without paying Broker fees.

Depending on the type of loan you choose, there may be lender fees and government charges. These can include application or settlement fees, property valuation costs, stamp duty (where applicable), registration fees, or ongoing loan fees. We'll explain all costs clearly before you proceed, so there are no unexpected surprises.

What to do if you have a complaint?

At Titan Finance Brokers, we're committed to providing exceptional service and resolving any concerns fairly, promptly, and professionally. If you're unhappy with any aspect of our service, we encourage you to contact us first so we can work with you to find a solution as quickly as possible.

If you're not satisfied with the outcome of our internal complaints process, you can refer your complaint to the Australian Financial Complaints Authority (AFCA). AFCA is an independent external dispute resolution scheme that provides free and impartial assistance to consumers.

Are you licensed to work in the Finance Industry?

Yes. Luke Phillips (ABN 54489479644) is a Credit Representative of Broker ACL Pty Ltd Australian Credit Licence 563763. Credit Representative Number 579840.

Speak to a Broker

Ready to achieve your financial goals?

Speak directly with a dedicated Finance Broker today to discuss your borrowing capacity and establish a clear mortgage strategy.