Gillard Mortgage Solutions is an Melbourne-based mortgage brokerage helping clients across Australia. Mortgage broker Braedyn Gillard specialises in first-home buyers, property investors and complex home loan scenarios, including company and trust lending. Whether you’re buying your first home, refinancing or building an investment property portfolio, you’ll receive personalised advice and a lending strategy built around your goals.
From straightforward home loans to more complex lending scenarios, the focus is on finding the right solution for you. With access to a wide range of lenders, every recommendation considers your current position, future plans and overall lending strategy.
Gillard Mortgage Solutions was founded by mortgage broker Braedyn Gillard to provide clear, personalised lending advice without the one-size-fits-all approach.
Based in Eltham North, Braedyn works with first-home buyers, homeowners and property investors throughout Eltham, Greensborough, Montmorency, Diamond Creek and Melbourne’s north-east, as well as clients across Australia.
Mortgage Broker
From buying your first home to refinancing, investing or navigating a more complex lending scenario, Gillard Mortgage Solutions provides personalised mortgage advice tailored to your goals. With access to a wide range of lenders, we can compare suitable options and help structure your lending for both today and the future.
Home loan solutions for buying, upgrading or refinancing, with options compared across a wide range of lenders.
Guidance from borrowing capacity and deposit requirements through to pre-approval, loan approval and settlement.
Strategic lending for property investors, including equity, loan structuring and complex company and trust lending to help support future portfolio growth.
Real feedback from first-home buyers, homeowners and property investors I’ve helped with home loans, refinancing and property finance.
Thanks Braedyn for assisting us with the refinance of our home loan! Absolute legend, highly recommend.
Client
Super quick turnaround and excellent service. Braedyn explained everything clearly and made sure I felt confident throughout. Highly recommend him.
Client
Braedyn is a pleasure to deal with. Very knowledgeable and goes out of his way!
Client
Clear answers to common questions about home loans, first-home buying, refinancing, property investment and working with a mortgage broker.
The process starts with an initial conversation to understand your goals, financial position and what you’re looking to achieve. From there, I’ll assess your borrowing capacity, compare suitable lenders and loan options, and recommend a lending strategy for your circumstances. Once you’re ready to proceed, I’ll manage the application and guide you through approval, loan documents and settlement.
The documents required will depend on your situation and the lender, but generally include identification, recent payslips or other evidence of income, bank statements and details of any existing loans or liabilities. If you’re self-employed, purchasing through a company or trust, or have a more complex application, additional documents may be required. I’ll provide you with a clear document checklist based on your individual circumstances.
The deposit you need depends on the property price, lender and your individual circumstances. While a 20% deposit can help you avoid Lenders Mortgage Insurance (LMI), many borrowers can purchase with a smaller deposit. Eligible first-home buyers may also have access to government schemes or concessions that can reduce the amount of savings required. I can help you understand your options and work out how much you may realistically need to purchase.
Potentially, yes. A lower credit score doesn’t automatically mean you can’t get a home loan. Different lenders assess credit history differently, and factors such as your income, deposit, existing debts and the reasons behind any credit issues can all affect your options. I’ll review your credit position and help identify lenders that may be suitable for your circumstances.
It can be. Refinancing may help you secure a more competitive interest rate, reduce repayments, access equity, improve your loan features or restructure your lending to better suit your current goals. I’ll compare the potential benefits against any costs involved so you can understand whether refinancing actually makes financial sense for you.
For my standard home loan service, there is generally no broker fee charged to you. Mortgage brokers are typically paid a commission by the lender once your loan settles. I’ll always explain how I’m paid and clearly disclose any applicable fees or commissions before you proceed.
Yes. First-home buyers are a major part of my business. I can help you understand your borrowing capacity, deposit requirements and available loan options, as well as guide you through pre-approval, purchasing and settlement. I’ll also help you understand any first-home buyer schemes or concessions you may be eligible for.
Yes. I regularly assist with more complex lending scenarios involving companies and trusts, particularly for property investors. Lender policies can vary significantly depending on the borrowing structure, so I’ll assess your circumstances and compare suitable lending options. Where required, I’ll also work alongside your accountant or other professional advisers.
Yes. For property investors, the right lending structure can be just as important as the individual loan. I can help with borrowing capacity, accessing equity, lender selection and structuring your lending with future property purchases in mind.
No. Gillard Mortgage Solutions is based in Eltham North, Melbourne, but I help clients with home loans and property finance across Australia. Meetings and the loan process can be completed by phone, video call and electronically, so you don’t need to be local to work with me.
Whether you’re buying your first home, investing, refinancing or working through a more complex lending scenario, I can help with home loans across Eltham, Melbourne and Australia. Let’s have a chat about your options and work out the right next step.
