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• Real choice: you'll have access to hundreds of loan products from 60+ banks and lenders
• Save money and time: in just one consultation we can compare hundreds of loans and corresponding terms and conditions to find you a better deal
• Experience: Green Team brokers are industry award-winning professionals who secure 4X more approved and settled loans than the average Australian mortgage broker* and more than that, we know how to structure a loan for maximum savings and success (* Source: MFAA Industry Intelligence Service (IIS) Report 15th Edition – March 2023)
• Knowledge: Green Team brokers are primarily ex-bankers with years if not decades of lending and/or banking and real-world business experience
• Negotiating power: due to the large number of loans we submit daily we often have access to special offers or can negotiate discounts not always available to the public
• Proven track record: check out our 5 star google reviews here
• Fast turnaround times: we have direct access to bank decision-makers and know how to present a professional loan application to avoid delays
• Ongoing support: we are real people at the end of the phone to answer your questions for the life of the loan – no need to wait in a call centre queue nor be handballed between bank relationship managers

• Finance brokers are paid directly by the bank or lender. There is no cost to you.
• Generally, finance brokers are paid an upfront commission and a trail payment, paid directly by the bank or lender, not by you. Rates will vary depending on the type of finance ie. residential, business, equipment or vehicle.
• In the case of equipment or vehicle finance there is usually only an upfront or origination fee, with no trail commission. Your Green Team broker will provide a thorough overview of this at the point of application.

For example purposes, in the case of a home loan:

UPFRONT COMMISION: A one-off payment called an upfront commission is usually between 0.65% to 0.7% of the loan amount (+gst) and is paid to the broker after loan settlement. We research, prepare and submit your application, negotiate on your behalf and work with the lender to get your loan approved and settled.

TRAIL COMMISSION: A ‘trail’ or ongoing commission is usually 0.15% p.a., based on the balance of your loan. We’ll be in regular contact with you to check in on your situation and any updated goals to make sure your loan continues to work hard for you. The trail payment will continue until you pay off your loan or your loan is changed. It will also cease if your loan ever enters into default or arrears.

• On very rare occasions, usually for loans for commercial or business purposes, or when your broker acts in a consulting role as requested by you, you may be charged a fee by your broker. This would be disclosed and agreed upon prior to application.
• Green Finance Group do not work for the banks, we work for you. There are some finance brokerages that are partly owned by banks or larger lenders. This is important information that should be disclosed to you upfront.

Yes, most definitely. Our clients are located all over Australia. While our head office is in Brisbane we also have brokers as far north as Cairns. We can work with you over the phone, via text, email, video conferencing, as well as face-to-face so it doesn't matter where you are, we can help you find a better finance deal for your home or your business.

We can work with you over the phone, via text, email, video conferencing, as well as face-to-face and we generally use a combination of all methods to facilitate varying stages of the application process and meet our strict compliance requirements. We'll make the process as convenient as possible and work in a way that suits your lifestyle. Consultation times are flexible, during the day or after hours. We can also meet you at home or your workplace, at one of our offices or at the local café.

• Loan approval can take anywhere from a couple of hours to a couple of weeks. We will ensure your application is of the highest standard and liaise directly with the lender.
• We usually work on 2 – 5 days for a home loan and 2 – 14 days for a business loan. It really depends on the complexity of your application and the volume of loans the lender is processing at that time.
• When providing you with loan options, your Green Team broker will take into consideration how current lender loan processing timeframes will impact your situation and will provide you with a realistic timeline so you know exactly what to expect and when.
• We will also stay in contact with you to confirm all major milestones such as lodgement, approval, unconditional approval and settlement. You’ll be kept informed every step of the way.

Your Green Team Broker will work with you to confirm and easily collate all the required documents. Following is a general list of documentation you may need:

Personal Identification

• 100 points of ID – a combination of passport or birth certificate, drivers’ licence, Medicare card, credit card, ATM/debit card, council rates notice, a photo ID such as pensioner concession card, health care card, tertiary student ID

Income Verification

PAYG:

• Three most recent payslips from your employer
• Most recent group certificate
• A copy of your employment contract

Self-employed:

• Personal and business tax returns for the previous two years
• ATO assessments for the previous two years

You may also need:

• Copy of Contract of Sale for the property you are buying (if applicable)
• Bank statements proving your income for the previous three months
• Rental income statements or bank accounts showing rental income for any investment properties
• Proof of share dividends or interest earned
• Superannuation statements
• Centrelink letter confirming family tax benefits
• Centrelink letter confirming permanent government pensions
• Private pension group certificate or statement
• If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money

PLUS:

Refinancing:

• Copy of loan contracts for any existing loans
• Home loan statements for the previous six months
• Personal loan statements for the previous six months
• Credit card statements for the previous six months
• Council Rates Notice (most recent)

Construction Loan:

• A copy of council approved plans
• A signed copy of a valid builder’s fixed price tender (including all specifications)

Business Loan:

• A completed statement of position
• A resume outlining any relevant industry experience
• Copies of lease agreements for the business
• Historical financials (tax returns, balance sheet, P&L, ATO Portals if applicable) for the last 2 years on the business