Your Questions, Answered

  • BluePoint Financial is a boutique mortgage brokerage based in Adelaide, South Australia. Founded and led by Managing Director Patrick Stewart, BluePoint Financial helps Australians across the country secure the right home loan for their individual situation. Services include owner-occupier home loans, investment property loans, construction loans, refinancing, SMSF loans, personal loans, and asset finance. BluePoint Financial has access to a panel of over 40 lenders, allowing clients to compare competitive options without approaching multiple banks directly.

  • Yes. BluePoint Financial Pty Ltd is a credit representative (Credit Representative Number 579 020) of BLSSA Pty Ltd ACN 117 651 760, which holds Australian Credit Licence 391237. Patrick Stewart is personally a credit representative (Credit Representative Number 518 852) of the same licence. BluePoint Financial operates in full compliance with Australian credit law and ASIC regulations.

  • BluePoint Financial is headquartered in Adelaide, South Australia, but provides mortgage broking services to clients throughout Australia. Consultations can be conducted in person, by phone, or via video call, making it easy for clients in any state or territory to access BluePoint’s services.

  • When you go directly to a bank, you only see that bank’s products. BluePoint Financial has access to over 40 lenders, meaning we can compare hundreds of loan products to find the one that best fits your goals, income, and property situation. A mortgage broker also handles the application process, liaises with the lender on your behalf, and continues to review your loan after settlement — at no direct cost to you, as brokers are paid a commission by the lender you choose.

  • In most cases, BluePoint Financial’s service is free to clients. We are paid a commission by the lender when your loan settles. This commission does not affect the interest rate or fees you pay on your loan — the same rate is available whether you go directly to the lender or through a broker. We are legally required to act in your best interest under the Best Interests Duty obligation that applies to all Australian mortgage brokers.

  • Yes. BluePoint Financial conducts a loan review every six months after settlement to ensure your interest rate remains competitive and your loan still suits your circumstances. If a better option becomes available, we will proactively let you know. We also remain available to answer questions about your loan, assist with changes to repayments, or help you plan for your next property purchase.

  • The easiest way to start is

    Consultations are available in person, over the phone, or by video call, seven days a week. The initial appointment typically takes 15 to 30 minutes and covers your goals, financial position, and the options available to you.