Mortgage advice that supports your financial wellbeing
Buying a home, refinancing, or reviewing your loan isn’t just a transaction — it’s one of the biggest financial decisions you’ll make.
At The Money Collective, we provide mortgage advice through a financial wellbeing lens, helping you make informed decisions that support your life, goals, and long-term financial health — not just today’s interest rate.
Independent. Education-first. Client-led.
Book a free home loan advice session or call us on 1300 385 896.
More than mortgage brokers
We are mortgage brokers and financial wellbeing coaches.
That means we don’t just ask: “What loan can you get?”
We also ask:
Does this support your broader financial goals?
Does this give you flexibility and confidence?
Does this help you build long-term financial security?
We work independently from banks and lenders, with access to a wide range of loan options — and we’re transparent about how we work, how we’re paid, and how decisions are made.
We can help you if you’re:
Buying your first home
Refinancing or reviewing your current loan
Growing an investment portfolio
Navigating a life change (family, separation, career shift)
Wanting to understand your options before making a decision
Whether you’re ready to act now or just want clarity, our role is to educate and support — at your pace.
Home loans are part of financial wellbeing — not separate from it
For most people, their home loan is their largest financial commitment.
That’s why we integrate mortgage advice with:
Cash flow and spending habits
Savings and buffers
Long-term goals and priorities
Confidence and understanding — not just numbers
Many clients come to us through our Financial Wellbeing Course, workshops, or coaching — and others start with a home loan conversation and build their financial confidence from there.
Either way, you’re supported as a whole person, not just a loan application.me loans are part of financial wellbeing — not separate from it
Excellence in mortgage broking
Our Process
1. Connect
Start with a free, obligation-free conversation to understand where you’re at and what you need.
2. Explore options
We assess your situation, explain your options clearly, and help you understand what lenders look for.
3. Apply with confidence
When you’re ready, we manage the application, liaise with the lender, and guide you through to settlement — keeping things clear and stress-free.
Start with a free home loan advice session
We offer a free 60-minute home loan advice session focused on education and clarity.
You’ll walk away with:
A clear understanding of how your loan is performing
Insight into options and next steps
Confidence to move forward — whether with us or not
No pressure. No obligation. Just real support.
[ Call 1300 385 896 ]
Real people. Real outcomes.
Clients often tell us they feel: More confident, Better informed & Less stressed
Looking for broader financial support?
Many clients choose to go deeper with their finances through our Online Financial Wellbeing Course, which brings together education, tools, and optional support to help build long-term financial confidence.
Support inside the course includes:
A structured, self-paced learning journey
Practical tools and templates
Optional 1:1 Financial Wellbeing Coaching sessions (available within the course)