Our Services

Buying your First Home

Not sure how to start buying your first home? We’ll help you every step of the way — from choosing the right loan to handling paperwork and grants. We make it easy so you can enjoy finding your new home.

Buying your next home

Need a bigger place or ready for a change? We’ll help you see if your current loan still works, find out what you can borrow, and make your move smooth and simple.

Buying an Investment Property

Want to buy an investment property? We’ll help you see how much you can borrow, use your equity, and find the right loan to grow your wealth. Whether it’s your first or your next investment property, we’ll make it easy for you..

Refinancing / Debt Consolidation

Not sure if your loan still works for you? We’ll check if you can get a lower rate, save money, or make things easier by combining your debts. A quick review could save you thousands.

Superannuation Lending

Want to use your super to invest in property? We can help you borrow through your Self-Managed Super Fund (SMSF) and guide you through each step. It’s a smart way to grow your retirement wealth with more control.

Business Finance

With extensive business banking experience, we’ll help you structure the right lending solution to support your business—whether you're just starting out or scaling up.

Trust Loans

Want to buy property through a trust? We’ll help you find the best loan option for your needs, whether it’s an SMSF, family, or investment trust. With our expertise, we’ll guide you through the process to ensure you get the best tax and asset protection benefits.

Car Finance

We provide smart, affordable car financing solutions tailored to your budget—so you can drive with confidence, not compromise.

Why Choose a Mortgage Broker?

1 in 3 Australians turn to mortgage brokers for expert advice and convenience. Brokers match you with the right loan, handle paperwork, and keep you updated throughout the process. Whether you’re buying your first home, upgrading, or looking for the best rate, a broker provides independent advice and professional support. Even if you have a unique situation or credit history, brokers have the experience to find the right solution for you.

No matter your situation—whether you’re buying, upgrading, refinancing, looking for a better rate, or adapting to life changes—an experienced Mortgage Broker can help reassess your needs and find the best solution for you. Here’s a list of possible reasons you may want to review your loan:

How We Work

Initial
Consultation

We start by understanding your specific property goals and financial needs.

Expert
Guidance

We provide personalised recommendations from a wide range of loan options tailored to your situation.

Efficient
Processing

Our team manages all the complex paperwork and lender communication to simplify the process.

Continued
Assistance

We keep supporting you post-approval to ensure your loan continues to serve your long-term goals.

Here’s what our clients are saying about their smooth home loan journey with us.

"Hi Brian, I just wanted to say thanks for your lovely card and bottle of champers! Thanks for all your help through the mortgage maze!"

Barbara Richmond

Brian Rusten at Energise Home Loans has been looking after my financial interests for a decade. He did five home loans for me and he saved me tens of thousands of dollars. Thank Brian. See you for my next loan!

Heinz Hermann

This is the second time Brian helped me to find the right mortgage and the right lender. With Brian’s help, everything on the finance side went smoothly when I bought my first home. I was very impressed with Brian’s integrity, professionalism and friendly approach. When I decided to invest in another property two years later, again Brian made everything so much easier for me. Especially he managed to finish all the paperwork while I was overseas. I am grateful for Brian’s help, when the time comes for me to upgrade my property, he will certainly be the first person I speak to. I will highly recommend him to all my friends and colleagues for sure.

Shane Zhao

Brian Rusten’s solution offered us an all-in-one package deal & the cost savings to us against going into the open market were really significant. Even the follow up calls from Brian show what a great bloke he is. you did pull a few strings to ensure a great deal for us. All is now well under way & we are ‘Happy Little Vegemites’!

Terry Corcoran

In all of my dealings with Brian I have found him to be, along with many other positive traits, an expert in his field who is very personable and has a high level of integrity. He has been recommended by myself to colleagues and friends who too have spoken highly of Brian and report favourably about his ability and professionalism.

Nathan Leuzzi

I used the services of Brian recently, and I have to say that he really has a good knowledge of the banking and finance industry, and he was very helpful throughout my entire transaction. I will be recommending him to my family and friends. Working the hours I do, it was great to be able to call Brian outside business hours with any queries. Thanks Brian, I’ll be seeking you when I’m ready for my next property purchase.

Peter Richardson

I just had a great experience with Brian helping Jess and I into our first home! Brian came to us, and made sense of all the paperwork, and then did the hard yards to find the right bank. I highly recommend for people to utilise Brian and his skills.

Nick Kellyville

Brian is a brilliant mortgage broker with a deep understanding of financial institutions and the best packages to suit individual needs. Brian has recently arranged the finance for my family home and he was honest, up front and highly knowledgeable. I was informed each step of the way, and Brian was able to arrange what other lenders could not. If you are looking for finance, make sure you give Brian a call, he goes above and beyond a mortgage broker and will always act in your best interest.

Michael Choi

Brian and the team at Energise have been an indispensable part of our First Home purchase. Having met Brian previously, albeit briefly, it was important that we could deal with someone we could trust with such a huge commitment. I had already trawled the major banks to have an idea of some borrowing options but faced with so many choices and some indecision about interest rates we really wanted the help of experts to ensure we made the right decision for our situation. Brian not only visited me at work when I was short on time but he has always been promptly available for any queries (and I have had plenty!), returned my calls and contacted me to let me know of any changes which may be occurring in the way of interest rates. It was because of his proactive suggestion we managed to lock in a fantastic deal just before rates increased. Brian has also been a great help in working through the paperwork. Carolina and myself are grateful for all the help Brian has provided and when the time comes for us to upgrade our current property, Brian will be the first person I speak to. I have been recommending him to my friends and family because I want them to receive the same help and service we have.

Andrew and Carolina Broughan

* Brian Rusten (Credit Representative No. M0019638, ABN 72132125636) is a representative of Mortgage Line Australia Pty Ltd (ACN 107284677 (“MLA”), Australian Credit Licence Number 386276).

Get a Free Loan Assessment

Curious about what you can borrow? Get a quick,
obligation-free overview of your home loan options
tailored to your goals.