Buying your first home, refinancing, or using your equity to invest? I'll compare 80+ lenders, set your loan up around your plans, and handle everything through to settlement. At no cost to you.
Banks sell you their product. My job is to find the right one for you, explain it in plain English, and get it over the line.
Your application is prepared properly before it goes in, so it doesn't stall with avoidable back-and-forth.
Rates, fees, features and policy compared across the market, so you can see how your options really stack up.
Not just the rate. The right structure for the home you live in now and the property you might buy next.
No jargon and no pressure. If something doesn't stack up for you, I'll tell you.
No confusing paperwork upfront. Just three easy steps.
Takes less than a minute. No credit check, no commitment, no paperwork.
Pick a time that suits you. A relaxed, no-obligation chat about where you're at.
I handle the paperwork, lender negotiations and settlement for you.
One of the biggest decisions of your life. I'll guide you through every step and make sure you're not leaving money on the table.
Your home loan should be working for you. Use your equity, roll other debts into one, or get your repayments back under control.
Ready to buy your first investment property, or your next one? Your deposit might already be sitting in your home.
"My job is to cut through the noise, compare the market honestly, and fight for the best outcome for you."Cruz Lemming
G'day, I'm Cruz Lemming, a mortgage broker at Catch Lending based on the Gold Coast.
I work with first home buyers who feel overwhelmed by the process, and homeowners whose loan isn't doing what it should. My job is to cut through the noise, compare the market honestly, and get you the best outcome possible.
When I'm not with clients, I'm breaking down home buying and lending in plain English on Instagram, TikTok and YouTube. No jargon, no fluff.
Answer 4 quick questions and book straight into my calendar. Zero obligation. Just a relaxed conversation about where you're at and what's possible.
Not for you. Lenders pay me a commission when your loan settles, so you don't pay me a fee. I'll explain exactly how that works before you commit to anything.
No. Our chat doesn't involve a credit check. An enquiry only happens when you decide to apply with a lender.
Your bank can only offer its own products. I compare 80+ lenders, which matters most when your situation isn't straightforward: first home buyer schemes, self-employed income, using equity, or investing.
It depends on the lender and how quickly we get your documents together, but having everything prepared properly upfront is the biggest thing that speeds it up.
I'm based on the Gold Coast, but I help clients all over Australia over the phone and video.
Free 30-minute call. No obligation, no credit check.