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Built on Trust.
Driven by Results.
Since 2014, Fairbanks Financial has helped over 12,000 Australians navigate the home loan journey — saving them millions through smarter lending, better rates, and genuine human expertise.
12,000+
Clients helped
$4.2B+
Loans settled
95+
Lenders on panel
A decade of fighting for
better mortgages
Fairbanks Financial was born from frustration with an industry that too often put lender relationships before client outcomes. Our founder James Fairbanks spent a decade inside major banks watching qualified borrowers pay more than they should — simply because they didn't know what better looked like.
We exist to fix that. Our brokers hold an average of 11 years of industry experience. We don't clip tickets — we build long-term relationships, call you at refinance time, and celebrate when you pay off your loan.
Today, Fairbanks Financial is one of Australia's most trusted independent mortgage brokerages, accredited with 95+ lenders and operating from Brisbane, Sydney, and Melbourne.
11 years
Average broker experience
4.9 / 5.0
Client satisfaction score
72%
Repeat & referred clients
$312/mo
Average rate savings
James Fairbanks, after 10 years in commercial banking, founded Fairbanks Financial with a single conviction: Australians deserve a broker who genuinely fights for them.
Word-of-mouth grew quickly. With a relentless focus on communication and results, we hit 500 settled loans and expanded our lender panel to 40+ institutions.
Opened satellite offices in Sydney and Melbourne. Our digital-first approach allowed us to serve clients across all states without compromising on personalised service.
Launched Australia's first AI-powered mortgage health dashboard, giving clients real-time rate alerts, equity tracking, and a direct line to their broker.
Named Mortgage Broker of the Year at the Australian Mortgage Awards for the second consecutive year, and passed $3 billion in total settled loans.
We're a team of 38 dedicated professionals serving 12,000+ clients, with $4.2B+ in settled loans and an unwavering commitment to making homeownership more achievable.
Regulated. Accredited. Accountable.
Every licence, membership, and accreditation we hold exists to protect you. Here's exactly what covers you when you work with Fairbanks.
Australian Credit Licence
ACR 481272
ASIC — Australian Securities & Investments Commission
Licensed to provide credit assistance under the National Consumer Credit Protection Act 2009.
MFAA Full Member
Member #FM-198476
Mortgage & Finance Association of Australia
Bound by the MFAA's Code of Practice, continuing professional development requirements, and industry ethics framework.
FBAA Member
m-330508
Finance Brokers Association of Australia
Independent advocacy body membership ensuring our brokers maintain best-in-class standards of conduct.
Connective Aggregator
Accredited Member
Connective — Australia's largest aggregator
Aggregator accreditation grants direct access to 95+ lenders, proprietary rate comparison tools, and compliance support.
PI Insurance
Active Policy — $5M Coverage
Professional Indemnity — Annual Renewal
Full professional indemnity insurance australia wide, protecting clients in the unlikely event of professional negligence.
Privacy Act Compliant
APPs Adherent
Office of the Australian Information Commissioner
We comply with all 13 Australian Privacy Principles and maintain a full Privacy Policy governing how client data is handled.
What the law requires —
and we exceed
The Australian mortgage broking industry is governed by some of the world's most stringent financial services laws. We don't just comply — we use regulation as a baseline and build on it.
Best Interests Duty
Since 2021 we operate under the Mortgage Broker Best Interests Duty — legally required to recommend what's genuinely best for you.
Fee Transparency
All commissions, fees, and potential conflicts of interest are disclosed upfront in our Credit Guide before any recommendation.
Continuing Education
Every Fairbanks broker completes a minimum of 30 CPD points per year — more than double the MFAA minimum requirement.
AFCA Member
We're a member of the Australian Financial Complaints Authority (AFCA) — Member No. 48367. You have free access to independent dispute resolution.
Lender Accreditations
Direct accreditation with 95+ lenders
ASIC Regulatory Notice
Consolidated Funding Group Pty Ltd trading as Fairbanks Financial Group (ACN 119 381 832) holds Australian Credit Representative authorisation ACR 481272 issued by ASIC. We act as credit intermediaries only and do not provide financial advice under an AFSL. Always read the Credit Guide and Proposal Disclosure Document before proceeding.
Verify on ASIC ConnectThe team behind your loan
Every Fairbanks broker is independently accredited, industry-experienced, and genuinely motivated to find you the best possible outcome.
James Fairbanks
Founder & Managing Director
Cert IV Finance & Mortgage Broking, Dip FS
With 20+ years across CBA and NAB before founding Fairbanks, James built this business on one belief: your broker should always fight harder than your bank.
Rachel Kim
Head of Residential Lending
Cert IV Finance, Bachelor of Business
Rachel has settled over $800M in residential loans since joining in 2016. She leads our first-home-buyer program and is known for her ability to get tricky applications across the line.
Daniel Osei
Senior Broker – Investment & Commercial
Cert IV Finance, Dip FS
Daniel's background in commercial real estate gives our investment clients an edge. If there's a creative structure that gets your deal done, Daniel will find it.
Sarah Nakamura
Client Experience Manager
Bachelor of Communications
Sarah ensures every Fairbanks client feels genuinely looked after. From your first call to your settlement day, she's the person making sure nothing falls through the cracks.
Oliver Brennan
Broker – First Home Buyers
Cert IV Finance, Dip FS
Oliver himself was a first home buyer just 5 years ago. He brings that lived experience to every client consultation, turning the overwhelming into the achievable.
Mei-Ling Chan
Broker – Expat & Foreign Lending
Cert IV Finance, Mandarin & Cantonese speaker
Mei-Ling specialises in lending for non-residents, PRs, and expats — a notoriously complex area where her expertise and multilingual skills give clients a real advantage.
Want to join our team?
We're always looking for passionate finance professionals who put clients first.
What we stand for
These aren't posters on our wall. They're the principles that shape every client interaction and every lending recommendation we make.
Client First. Always.
Every recommendation we make is based on what's genuinely best for you — not what earns us the highest commission. It's a simple principle that most of the industry still struggles with.
Radical Transparency
We explain every fee, every comparison rate, every trade-off. If a deal isn't right for you, we'll tell you. No jargon, no small print surprises — just straight talk.
Smarter Lending
We combine human expertise with technology like Fairbanks Intelligence to ensure our clients are never paying more than they should. Rate monitoring doesn't stop at settlement.
Relationships Over Transactions
Our average client has been with us for 6+ years. We're there for your first home, your investment property, your refinance, and your eventual payoff celebration.
Excellence in Execution
Speed and accuracy matter when you're buying a home. We target 48-hour pre-approvals, 5-day unconditional approval, and proactive communication every step of the way.
Community Commitment
We live and work in the same communities as our clients. Fairbanks supports the First Home Buyer Assistance Program and sponsors financial literacy workshops across Queensland.
Industry-recognised excellence
2023
Mortgage Broker of the Year
Australian Mortgage Awards
2022
Mortgage Broker of the Year
Australian Mortgage Awards
2022
Best Customer Service
MFAA Excellence Awards
2021
Innovation Award — Fintech
Finder Awards
2020
Best Emerging Brokerage
FBAA National Awards
2019
Top 25 Brokerages in Australia
MPA Magazine
Ready to find a better rate?
Join 12,000+ Australians who trust Fairbanks to get them the best possible loan — and keep it that way for life.
Power to theborrower.
†Based on verified Google reviews. Rates indicative only and subject to change. Credit criteria apply. Free service — lender pays our commission.