Mortgage expertise for expats

Connecting you to Australian property ownership, no matter where you call home.

As a specialist mortgage broker for migrants coming to Australia, I'm your partner in navigating the Australian property market with confidence. Let's make your dream of owning a home in Australia a reality.

Portrait of Ben Osborn
Fast tracked lender responses Specialist support for 40+ nationalities FIRB & compliance aligned strategies Fast tracked lender responses Specialist support for 40+ nationalities FIRB & compliance aligned strategies
Specialist services

Financial pathways engineered for global Australians.

Tailored financial solutions designed specifically for new to Australians, expats, temporary residents, and overseas investors looking to enter the Australian property market.

Happy couple with keys to their new Australian home

Expat & Migrant Home Loans

Let me guide you through securing a mortgage. I'll simplify the application process and navigate the specific lender requirements for you.

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Australian investment skyline with modern buildings

Foreign Investor Property Loans

Leverage my experience to structure your investment finances effectively. I'll help you navigate FIRB requirements and find lenders who welcome foreign investment.

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Person reviewing financial documents for refinancing

International Mortgage Refinancing

Already own property in Australia? Let's review your current mortgage to find a better deal, unlock equity for future investments, or consolidate debt.

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Complimentary consultation

Ready to Start Your Journey?

Let's schedule a complimentary, no obligation consultation to discuss your unique situation and property goals. Find out what's possible and get a clear roadmap for your move into the Australian property market.

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Embrace the Australian Dream

From Golden Sands to Global Cities: Your New Life Awaits.

Imagine swapping your daily commute for a morning walk on the beach. In Australia, an unparalleled lifestyle of sun, sea, and opportunity is within your reach. Whether you're drawn to the endless sunsets of Perth, the vibrant energy of the Gold Coast, or the iconic shores of Sydney, we're here to help you finance not just a house, but a home in paradise.

Stunning sunset over a Perth beach, a popular destination for UK expats.

Perth: Your West Coast Paradise

With UK searches for homes in Perth on the rise, it's no secret this is a city on the move. Discover a place that perfectly balances a relaxed beach culture with a thriving, modern economy. Let's secure your piece of Western Australia's stunning coastline.

Vibrant aerial view of the Gold Coast skyline and beaches.

Gold Coast & Brisbane Energy

From the world-famous surf breaks of the Gold Coast to the bustling, cosmopolitan vibe of nearby Brisbane, Queensland offers a lifestyle of excitement and endless summer. Your dream home in the Sunshine State is closer than you think.

Iconic Sydney beach with ocean pools.

Sydney & Melbourne's Iconic Shores

Whether it's the globally recognised beauty of Sydney's harbour-side beaches or the cultural heartbeat of Melbourne's bay, Australia's major cities offer a life of endless possibility. We navigate the financial landscape so you can make your mark.

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Meet Ben

Your partner in Australian property.

I understand the unique challenges and opportunities that come with migrating to Australia—because I’ve lived them myself. As someone who made the move from the UK, I’m passionate about being a welcoming voice for expats and migrants, guiding you through the property journey with clarity and care.

Having personally bought, sold, and invested in Australian real estate, I bring practical, real-world experience to every conversation. I’m not just sharing theory—I’ve been in your shoes, and I know what’s at stake when it comes to securing your future home.

"I’m driven to be the best I can be, and success to me is helping those around me no matter where they are to achieve their goals of calling Australia home."
Ben Osborn
Why clients partner with Ben

Precision led mortgage strategies for expats, migrants & overseas investors.

Combining corporate discipline with relentlessly clear communication, Ben delivers a concierge style service tailored to life abroad. Every brief starts with your story, then builds a lending roadmap that aligns to your timeline, currency, and lifestyle goals.

Clear Communication Across Timezones

Complex financial and legal terms are simplified. I ensure you understand every step, providing clarity and confidence no matter where you are in the world.

A Welcoming Hand in Australia

Recognised for my integrity, I act as your trusted partner on the ground, always putting your best interests first to ensure a smooth and secure process.

Global Network, Local Expertise

My network includes specialists in international finance, law, and real estate, creating a seamless, comprehensive service for your specific needs as an expat or migrant.

Specialist Market Knowledge

I stay ahead of regulations affecting non residents and foreign investors, ensuring you get the most current, effective, and compliant mortgage advice.

Global trust

What my clients say.

Building trust across the globe is the cornerstone of my business. Here’s what some of my clients have to say about their experience.

Google Reviews
5.0 (29)
Review us on Google
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Amy Toft
1 month ago

My partner and I recently worked with Ben... he was warm, approachable and genuinely interested in us... Ben was beyond amazing! He spoke with us, explained everything in simple terms, was always quick to respond... I cannot recommend Ben enough. He really went above and beyond for us & we will absolutely be using his services again in the future.

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Ian Peters
5 months ago

When we first met Ben to discuss our home buying options, I was expecting to be looking at a 6-12 month wait... His comment to us was "I think we can do better" and he was right! Less than 2 months later and we are about to complete our first house purchase! Ben has been a massive help to us every step of the way... highly recommend Ben.

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Daniel P
1 month ago

Great customer service, He is professional and knows his job back to front. Upfront and clear communication. Choose Ben, he is there to help you and you’ll find everything will go smoothly. One of the best brokers in BNE. A genuine Home Loan Broker. Thankyou! :)

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V Ellis
4 months ago

Excellent service and very professional! Ben was knowledgeable, patient, and guided me through the entire home loan process. I felt confident and very well-informed and supported every step of the way. Highly recommend for anyone looking for expert assistance.

Christopher Fox
8 months ago

2nd time using Ben in 3 months; Puts all options in front of you. Accessible, knowledgeable & advisory. Top stuff and highly recommend. Accurate, efficient and strikes with precision. Good attention to detail, great network and great communication.

Robert Jackson
a year ago

Very professional and incredibly helpful! Highly recommend Ben’s expertise and can 100% attest to Ben’s commitment to his clients. Keep up the great work Ben 👍 ...

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Ryan Lahee
5 months ago

Ben was a pleasure to deal with! He communicated clearly and responded to our questions in a timely manner. A great experience!

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Mike
5 months ago

Buying a house is always such an emotional and stressful time. Ben from Pivotal made all the difference. He was professional and extremely efficient. Always a pleasure to deal with and took a large portion of the stress away from us. I would highly recommend his services!!

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Fabio Mureddu
7 months ago

Ben is an outstanding mortgage broker! He always takes good care of the clients I refer to him. If you're looking for a solution-focused professional who delivers excellent results, Ben is the one to trust!

Colin Salvesen
9 months ago

Working with Ben has been exceptional. He took time and care to fully understand our requirements and position on our investments. His attention to detail and honest advice was beyond reproach and we will most definitely be recommending him.

Grant Elliott
8 months ago

Ben provides a friendly, approachable and reliable financial service and was truly a key part in our house moving process... Ben was readily available to both myself and my wife when needed and was swift even at the weekends... He also assisted with satisfying aggressive financial conditions. Thanks Ben!

Gavin McInnes
a year ago

I highly recommend Ben to anyone searching for an attentive, honest mortgage broker. Ben goes above and beyond for his clients.

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Maddyson Solano
7 months ago

We have worked with Ben on a number of occasions now, sending our clients his way. As a Buyers Agent, ensuring our clients are being looked after and are getting the best care and service, is our priority. I’d have no hesitation in recommending Ben to anyone looking for a broker.

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Rebecca Shannon
a year ago

It was a pleasure dealing with Ben at Pivotal when re mortgaging our home loan. He worked with us to have our home loan health checked and made the process very easy highlighting the savings we will make as a result. If you are looking for a great broker, look no further.

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Marc Horsfield
8 months ago

Ben has been great to deal with and his knowledge on things is top notch. Could not recommend Ben enough!

J M
9 months ago

We recently teamed up with Ben at Pivotal to assist a mutual client with sourcing and securing their property. Communication, attentiveness, and attention to detail was fantastic... Ben was very knowledgeable easy to work with, nothing was a hassle, and I would happily recommend him.

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Matty W
1 month ago

Ben is an exceptional broker. Lots of knowledge and a fierce determination to get you the best deal. Can't wait to do business again!

Michelle Those2Sisters
a year ago

Ben is an amazing broker as he really cares about his clients. He has such a passion for helping people and will go out of his way to snag you a good deal. Highly recommend!

Issy Williams
1 month ago

Ben has been extraordinarily knowledgeable and helpful through out our mortgage process. I would recommend him to anybody needing a good mortgage broker. Ainslie Williams

B M
1 month ago

Ben was excellent to deal with. Managed to get across so many things for me at once to get me across the line. Very easy to reach out and ask questions... He went above and beyond to help me get what I wanted, I wouldn't be where I am without him. Without him, I would be stuck.

Trent Neven
4 months ago

Ben was amazing. Showed me multiple options which were available to me and together we could customize the best deal to suit my needs. Was only ever a phone call away and nothing was too much trouble. He was efficient and I'm extremely happy. I would definitely recommend Ben!

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zach tierney
8 months ago

Thank you Ben! Ben went over and above for us and turned what I had envisioned as a drawn-out stressful process into a breeze. Communication was clear and proactive... This was a really great experience for the purchase of our first house and I would recommend Ben to anyone in this position.

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Annamie Steynberg
2 months ago

Ben was great through the whole process. I was kept up to date with the process the whole time and could ask any questions at any time.

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Shahney Collins
4 months ago

I have been referring clients to Ben for the past 12 months and have had amazing feedback! He's easy to deal with and great at communication. Highly recommend.

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Richard Hanbury
8 months ago

Ben has been fantastic throughout. He has worked tirelessly to present the right options to allow us to secure our new home. Ben has been professional, extremely knowledgeable and helpful throughout. Ben is extremely efficient and always prompt with responses, even outside of normal business hours.

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Tim Allen
8 months ago

As a buyer's agent, I work with many different brokers and bankers. Ben from Pivotal Finance is one of the few I have the confidence to recommend to clients. He knows how to find the right home loan for each client's circumstances.

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John Hunt
7 months ago

Fantastic broker, I have delt with a few brokers in the past but none of them compare to Ben he went above and beyond and his knowledge was truly outstanding. If I could give more stars I would!!

Some of Our Lender Partners

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Our Service Locations

Supporting Your Move from Across the Globe

While proudly based in Australia, my expertise and support network extends to clients across key regions worldwide. Find your location on the map below to see how I can help you begin your journey to Australian property ownership.

Serviced Region

Key Service Area

Get in touch

Secure an expert assessment tailored to your plans.

Ready for a deeper discussion? Fill out the form below with more detail, book a meeting, or give me a call. I look forward to hearing from you.

Contact Information

Location Brisbane, QLD, Australia
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