About Us

We foster clients for life with real advice, zero fluff, and support that doesn’t end once the deal is done. We’re here to help you move forward, now and down the track.

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From day one it’s been about people
not just paperwork.

In February 2001, Michael Platt the Managing Director of Navigator Home Loans began writing loans as a contract mobile lender for St. George Bank. In June 2004 Michael and Jenny set up their own loan planning firm with a desire to build a business that put as its number one priority the ability to foster a client for life strategy: to be available to their clients as their lending specialist for years to come.

More than two decades on and supported by an awesome team we can say that priority has not changed. Our many 5 – Star reviews are testimony that we continue to maintain that core value today.

Navigator Home Loans is an independent broker business that aggregates through Australia’s largest aggregator, Loan Market Group. Navigator Home Loans is a full member of the peak industry body the MFAA (Mortgage & Finance Association of Australia). Michael Platt is an Authorised Credit Representative (CR 399245) of Team Navigator Pty Ltd (Australian Credit Licence No. 436673).

Why broker benefits go further.

We foster clients for life

We’re not here for a quick deal. From your first home to your fifth, from refinancing to investing, we’re in it with you.

Think of us as your go-to for anything loan-related, year after year. Whenever life changes, we’ll be around to help you figure out your next move.

We chase the best deal

Home loan rates move around a lot. One bank might be competitive today, another tomorrow. That’s why we keep a close eye on rates across a wide range of lenders, every single day.

We can steer you toward the most competitive option available, not just whichever bank happens to be offering a deal right now.

We match loans to lives

Every lender has their own playbook. Some want squeaky-clean credit. Others want big deposits or loads of paperwork.

We know who’s open to what and which lenders actually suit your situation. Our relationships with a range of banks mean we can find the product that fits, without the back and forth.

We show up when it counts

We have an inhouse Existing Client Advocate who routinely monitors your current interest rates and renegotiates with your lender when required. We give every client an opportunity to have an annual review, but you can book in a chat anytime.

We aim to give the kind of service that makes people want to stick around, not just for one loan, but for the long haul.

We know the loan game

We don’t just wing it. We meet the industry’s highest training and accreditation standards, and we keep up with constant changes.

As MFAA members, our Accredited Mortgage Consultants complete 25 hours of continued education every year. Every loan writer also holds a Certificate IV in Financial Services/Mortgage Broking, because shortcuts aren’t how we work.

Avoid the traps.

Going straight to the bank might seem like the smart move, but it could cost you big. We’ve seen it all before, and these are the common slip-ups that can hold you back. Here are some of the pitfalls you avoid by using Navigator Home Loans.

Chasing rates, hurting scores

Rate-hopping might sound smart, but every lender you apply to runs a credit check, and those add up. Too many inquiries can tank your credit score before you’ve even locked in a deal. That shiny low rate? It’s no good if your credit’s taken a hit and lenders now see you as a risk.

Picking the wrong lender

Not every lender works for every borrower. If your situation doesn’t fit their boxes, you risk getting declined, and often late in the process when time matters most. That could mean restarting everything, missing out on the home, or watching rates rise.

We catch red flags early and steer you toward lenders that actually suit your goals, so you stay on track without the drama.