I’ll help you get a HomeStart loan, minus the stress.

With over 30 years of demonstrated excellence in business, Simon has built his reputation on a foundation of trusted partnerships, strategic insight, and unwavering client commitment. His approach is anchored in professionalism, transparency, and a genuine dedication to securing optimal outcomes for every client.

Proven Track Record & Commercial Expertise

Simon's career reflects consistent, measurable success. This performance stems from his ability to deeply understand client objectives, navigate complex financial landscapes, and deliver precisely tailored solutions that align with both immediate needs and long-term goals.

Credentials & Professional Standing

Holding a Diploma of Finance and Mortgage Broking Management alongside a bachelor’s degree in business, Simon brings rigorous professional standards to every engagement. His methodical, insight-driven approach ensures clients benefit from comprehensive market knowledge, strategic negotiation capabilities, and access to competitive financing structures that serve their best interests.

A Partnership Approach Built on Trust

Simon's philosophy is straightforward: establish trust through exemplary service, clear communication, and genuine responsiveness. Whether guiding first-home buyers, supporting property investors, or advising business owners, he prioritizes asking the right questions, understanding each client's unique circumstances, and maintaining the highest standards of integrity throughout the entire process.

Results-driven. Relationship-focused. Built on trust.

Simon doesn't simply facilitate transactions—he forges enduring partnerships founded on mutual respect, professional excellence, and a commitment to your financial success.

Based on the Fleurieu Peninsula in South Australia, I serve clients across Australia. Book a time above or give me a call on 0438 047 719 to have a confidential chat about your financial needs.

 simon.rowell@mortgage-express.com.au

https://www.mortgage-express.com.au

Simon Rowell | Specialist Residential Mortgage Broker at Mortgage Express | Credit Representative Number: 574076 | ABN 19 091 350 797 an Authorised Credit Representative of Astute Financial Management Pty Ltd | ACN 093 587 010  (Australian Credit Licence 364253). Full Member MFAA.

Here’s five more reasons I should work with you…

1. I'm Legally Required To Put Your Interests First

This is huge, and it's something most people don't realize. As a mortgage broker, I'm bound by a best-interests duty – a statutory obligation that requires me to act in your best interest, not the lender's, and not mine. This sets me apart from anyone you'll speak with at a bank or direct lender. When you walk into a bank, they can only offer their own products and they work for the bank's interests. I'm the only professional in the entire home loan process who is legally required to keep your interests paramount. That's not just good service – it's the law.

2. I'll Save You Significant Time And Effort

I handle all the paperwork, coordinate with lenders, conveyancers, and real estate agents, and keep your loan application on track. This typically means faster approval times and far less stress for you. After our initial meeting (which we can do in person, by phone, or via video call), you can send me whatever documentation I need via email. I'll take it from there. If you don't have time to research dozens of loan options, compare features, and understand the fine print – and frankly, who does? – that's exactly what I'm here for.

3. You'll Access 35+ Lenders, Not Just One

This is where my value really becomes clear. If you apply directly with a bank, you're limited to their products and their credit policies. When you work with me, you access over 35 lenders including major banks, regional lenders, non-bank lenders, and specialist lenders that only work through brokers.

I can find solutions for complex scenarios: bad credit history, self-employed or contract income, unusual properties, low-doc or alt-doc situations, investment portfolios, and commercial lending. I quickly assess what type of loan suits your situation and I know when lenders are offering new products or special rates. I have direct relationships with lender credit assessors, which means I can often get answers and negotiate terms that you couldn't access going direct.

4. I'll Negotiate The Best Rates And Terms For You

Because of the volume of business I write with my panel of lenders, I can often secure better rates than you'd get walking into a branch yourself. Lenders want my business, which gives me negotiating power I use entirely on your behalf.

5. My Service Is Free To You

I'm paid by the lender when your loan settles, which means my service costs you nothing. And here's the key: if I can't find you a suitable loan that gets approved, I don't get paid. That's a powerful incentive for me to find the ideal loan that meets your needs, offers competitive rates, and has terms that work for your situation. I don't accept "no" easily – if one lender declines your application, I'll work with you to address the issues and find another lender whose policies better suit your circumstances.

The bottom line: I'm independent, I have access across Australia's lending market, and I'm legally required to act in your best interest.

That combination is hard to beat.

To make a time to meet, scroll back up and pick a time that suits your schedule. Or, if you prefer, give me a call on 0438 047 719 for a chat. I look forward to helping you find the right loan, minus any stress.

FAQ’s

What is a Finance Consultant or Mortgage broker?

Mortgage brokers are consumer advocates in the home loan selection process, helping homebuyers to pre-qualify, select a home loan and complete the required mortgage documents. They follow your new home purchase, investment or refinance through to settlement providing a smooth and convenient transaction.

By linking with banks, other financial institutions and private lenders, mortgage brokers offer consumers access to a wide range of home loan choices as they select the right mortgage for your needs.

Consumers receive an expert mentor to lead them through the complex home loan lending process. Our Mortgage Express Finance Consultant offers the consumer the convenience of doing all the leg work to access an affordable home loan while balancing the consumers financial interests and goals.

How do I apply for a loan?

We will complete all the mortgage applications for you to ensure your home loan application has the optimum chance of success. Our custom mortgage broking software compares all mortgage rates, fees and hidden costs so we can deliver you the best value home loan for your situation.

What is a Pre-Approval?

A pre-approval gives you an indication of the maximum amount you can borrow. By getting your pre-approval you have the power to negotiate with confidence.

Can fees be added onto my mortgage?

In some cases yes, it will depend on how much you are borrowing, and the value of your property.

I’ve just moved to Australia and have no credit record here. Can you help?

Yes. This is not a problem for us.

I’m self-employed, can you help?

Yes! We have products designed for the self-employed.

Can my application be done via the internet?

Yes, we have an online application form and we can use email for further clarifications and to receive and send information. We can also meet via Facetime or video conferencing platforms such as Zoom, Go-To Meeting, Microsoft Teams, etc.

Why don’t I just go to the Bank myself?

We help assess all your options, whereas the Bank is restricted by being only able to present one view. We look at over 35 lenders with multiple products for each, and make sure that the rates we find are competitive.