Settle In Australia – with Ben | Brisbane Mortgage Broker
Brisbane mortgage broker

Home loans made clearer from first home to next investment

Ben helps Australians, expats and migrants compare lenders, understand borrowing power and move through approval with a practical plan. Get guidance for buying, refinancing or investing without trying to decode the lending market alone.

Contemporary Australian home exterior
5.0 Google rating40+ client reviews
MFAA brokerAccredited guidance
Same-day responseFast next steps
30+ lendersOptions compared
Brisbane-basedAustralia-wide support
Mortgage services

Lending support for the way you are buying now.

Whether you are entering the market, reviewing your current loan or building an investment portfolio, Ben compares lender policy and structures the application around your goals.

Happy couple with keys to their new Australian home

First Home Buyers

Understand deposits, grants, repayments and pre-approval so you can make decisions with confidence before you sign a contract.

Start your plan
Person reviewing financial documents for refinancing

Refinancing

Review your rate, loan structure and equity position to see whether switching lenders could improve cash flow or fit your next move.

Review your loan
Australian investment skyline with modern buildings

Investment Property Loans

Structure borrowing for your first investment or next portfolio purchase with a clear view of servicing, equity and lender appetite.

Explore options
How it works

A clear process from first call to settlement.

01

Book a free call

Talk through your goals, timing and current position with Ben.

02

Compare options

Review suitable loans across 30+ lenders and understand the tradeoffs.

03

Apply cleanly

Prepare documents, lodge the application and keep lender questions moving.

04

Settle confidently

Stay supported through approval, loan documents and settlement.

Calculators

Estimate your borrowing power and repayments.

Use the dedicated calculator page for borrowing capacity and repayments. The homepage keeps this as a preview so the tools stay fast, focused and easy to use.

Open Calculators

Calculator preview

Indicative examples only. Your actual result depends on income, expenses, lender policy and loan structure.

Borrowing capacity$671,000
Monthly repayment$3,690
Loan term30 years
Calculate your own estimate
Specialist services

Extra support for expats, migrants and overseas buyers.

Settle In Australia still provides specialist lending guidance for international situations. Choose a service below for a short summary, then view the dedicated Specialist Services page for the full detail.

Expat Loans

For Australians living overseas or returning home, Ben helps map income, currency, deposit and lender policy requirements so you can buy or invest in Australia with fewer surprises.

View Specialist Services

Migrant Loans

For new Australians, permanent residents and temporary visa holders, Ben explains available lender pathways, required documentation and practical steps toward pre-approval.

View Specialist Services

Foreign Investor Loans

For overseas buyers and investors, Ben helps you understand deposit expectations, lender appetite and the finance considerations that sit alongside FIRB and professional advice.

View Specialist Services

International Refinancing

If you already own Australian property while living abroad, Ben can review your current loan, equity position and refinance options with lenders comfortable with offshore circumstances.

View Specialist Services
Ben Osborn meeting with clients
Meet Ben

Your partner in Australian property.

I understand the unique challenges and opportunities that come with migrating to Australia—because I’ve lived them myself. As someone who made the move from the UK, I’m passionate about being a welcoming voice for expats and migrants, guiding you through the property journey with clarity and care.

Having personally bought, sold, and invested in Australian real estate, I bring practical, real-world experience to every conversation. I’m not just sharing theory—I’ve been in your shoes, and I know what’s at stake when it comes to securing your future home.

"I’m driven to be the best I can be, and success to me is helping those around me no matter where they are to achieve their goals of calling Australia home."
Ben Osborn
Global trust

What my clients say.

Building trust across the globe is the cornerstone of my business. Here’s what some of my clients have to say about their experience.

40+ client reviews

Google Reviews
5.0 40+ client reviews
Review us on Google
A
Amy Toft
1 month ago

My partner and I recently worked with Ben... he was warm, approachable and genuinely interested in us... Ben was beyond amazing! He spoke with us, explained everything in simple terms, was always quick to respond... I cannot recommend Ben enough. He really went above and beyond for us & we will absolutely be using his services again in the future.

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Ian Peters
5 months ago

When we first met Ben to discuss our home buying options, I was expecting to be looking at a 6-12 month wait... His comment to us was "I think we can do better" and he was right! Less than 2 months later and we are about to complete our first house purchase! Ben has been a massive help to us every step of the way... highly recommend Ben.

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Daniel P
1 month ago

Great customer service, He is professional and knows his job back to front. Upfront and clear communication. Choose Ben, he is there to help you and you’ll find everything will go smoothly. One of the best brokers in BNE. A genuine Home Loan Broker. Thankyou! :)

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V Ellis
4 months ago

Excellent service and very professional! Ben was knowledgeable, patient, and guided me through the entire home loan process. I felt confident and very well-informed and supported every step of the way. Highly recommend for anyone looking for expert assistance.

Christopher Fox
8 months ago

2nd time using Ben in 3 months; Puts all options in front of you. Accessible, knowledgeable & advisory. Top stuff and highly recommend. Accurate, efficient and strikes with precision. Good attention to detail, great network and great communication.

Robert Jackson
a year ago

Very professional and incredibly helpful! Highly recommend Ben’s expertise and can 100% attest to Ben’s commitment to his clients. Keep up the great work Ben 👍 ...

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Ryan Lahee
5 months ago

Ben was a pleasure to deal with! He communicated clearly and responded to our questions in a timely manner. A great experience!

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Mike
5 months ago

Buying a house is always such an emotional and stressful time. Ben from Pivotal made all the difference. He was professional and extremely efficient. Always a pleasure to deal with and took a large portion of the stress away from us. I would highly recommend his services!!

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Fabio Mureddu
7 months ago

Ben is an outstanding mortgage broker! He always takes good care of the clients I refer to him. If you're looking for a solution-focused professional who delivers excellent results, Ben is the one to trust!

Colin Salvesen
9 months ago

Working with Ben has been exceptional. He took time and care to fully understand our requirements and position on our investments. His attention to detail and honest advice was beyond reproach and we will most definitely be recommending him.

Grant Elliott
8 months ago

Ben provides a friendly, approachable and reliable financial service and was truly a key part in our house moving process... Ben was readily available to both myself and my wife when needed and was swift even at the weekends... He also assisted with satisfying aggressive financial conditions. Thanks Ben!

Gavin McInnes
a year ago

I highly recommend Ben to anyone searching for an attentive, honest mortgage broker. Ben goes above and beyond for his clients.

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Maddyson Solano
7 months ago

We have worked with Ben on a number of occasions now, sending our clients his way. As a Buyers Agent, ensuring our clients are being looked after and are getting the best care and service, is our priority. I’d have no hesitation in recommending Ben to anyone looking for a broker.

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Rebecca Shannon
a year ago

It was a pleasure dealing with Ben at Pivotal when re mortgaging our home loan. He worked with us to have our home loan health checked and made the process very easy highlighting the savings we will make as a result. If you are looking for a great broker, look no further.

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Marc Horsfield
8 months ago

Ben has been great to deal with and his knowledge on things is top notch. Could not recommend Ben enough!

J M
9 months ago

We recently teamed up with Ben at Pivotal to assist a mutual client with sourcing and securing their property. Communication, attentiveness, and attention to detail was fantastic... Ben was very knowledgeable easy to work with, nothing was a hassle, and I would happily recommend him.

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Matty W
1 month ago

Ben is an exceptional broker. Lots of knowledge and a fierce determination to get you the best deal. Can't wait to do business again!

Michelle Those2Sisters
a year ago

Ben is an amazing broker as he really cares about his clients. He has such a passion for helping people and will go out of his way to snag you a good deal. Highly recommend!

Issy Williams
1 month ago

Ben has been extraordinarily knowledgeable and helpful through out our mortgage process. I would recommend him to anybody needing a good mortgage broker. Ainslie Williams

B M
1 month ago

Ben was excellent to deal with. Managed to get across so many things for me at once to get me across the line. Very easy to reach out and ask questions... He went above and beyond to help me get what I wanted, I wouldn't be where I am without him. Without him, I would be stuck.

Trent Neven
4 months ago

Ben was amazing. Showed me multiple options which were available to me and together we could customize the best deal to suit my needs. Was only ever a phone call away and nothing was too much trouble. He was efficient and I'm extremely happy. I would definitely recommend Ben!

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zach tierney
8 months ago

Thank you Ben! Ben went over and above for us and turned what I had envisioned as a drawn-out stressful process into a breeze. Communication was clear and proactive... This was a really great experience for the purchase of our first house and I would recommend Ben to anyone in this position.

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Annamie Steynberg
2 months ago

Ben was great through the whole process. I was kept up to date with the process the whole time and could ask any questions at any time.

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Shahney Collins
4 months ago

I have been referring clients to Ben for the past 12 months and have had amazing feedback! He's easy to deal with and great at communication. Highly recommend.

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Richard Hanbury
8 months ago

Ben has been fantastic throughout. He has worked tirelessly to present the right options to allow us to secure our new home. Ben has been professional, extremely knowledgeable and helpful throughout. Ben is extremely efficient and always prompt with responses, even outside of normal business hours.

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Tim Allen
8 months ago

As a buyer's agent, I work with many different brokers and bankers. Ben from Pivotal Finance is one of the few I have the confidence to recommend to clients. He knows how to find the right home loan for each client's circumstances.

J
John Hunt
7 months ago

Fantastic broker, I have delt with a few brokers in the past but none of them compare to Ben he went above and beyond and his knowledge was truly outstanding. If I could give more stars I would!!

Some of Our Lender Partners

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Our Service Locations

Supporting Your Move from Across the Globe

While proudly based in Australia, my expertise and support network extends to clients across key regions worldwide. Find your location on the map below to see how I can help you begin your journey to Australian property ownership.

Serviced Region

Key Service Area

Get in touch

Secure an expert assessment tailored to your plans.

Ready for a deeper discussion? Fill out the form below with more detail, book a meeting, or give me a call. I look forward to hearing from you.

Contact Information

Location Brisbane, QLD, Australia
Enquiry Details
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