Testimonial

What our clients say about us

Nicole Warnock

Cromer, NSW, 2099

Top shelf broker

Phil has been amazing from start to finish in finding me the best mortgage loan product and charging through every obstacle with ease. He makes things happen regardless of your circumstances. Nothing is too much trouble for Phil. His advice and investment knowledge was invaluable, and he is a genuinely nice guy. I have worked with other mortgage brokers in the past and none come close to Phil’s expertise, experience and professionalism. He is a straight shooter and has been a pleasure to work with. I highly recommend Phil.

Jerome Brown

Douglas, QLD, 4814

Essential Expertise

Phil's relationship with the lenders was critical in landing our beautiful Brisbane home June 2022. My wife & I have just landed our 4th property using Phil & the Team @ Mortgage IQ and we look forward to partnering up with Phil and the team again for our 5th in 2025... When it comes to buying property and building a portfolio, it is critical to have an expert broker that intricately knows the market, numbers and the lenders. Jerome & Jess

Kim Kou Yi

Quakers Hill, NSW, 2763

Amazing service will definitely use him again

Couldn’t be happier with the service provided by Phil and his team. His team got it done even during Christmas holidays Phil still checked in and made sure all paperwork and info was processed ready to settle. They have gone above and beyond to help us secure the property we wanted. Highly recommend Phil and his team.

Marryanne Shin

Lindfield, NSW, 2070

Fantastic Broker

Phil is the best in the business. He knows his stuff and he gets the job done. Phil has been my broker for almost a decade and I would not go to anyone else to assist in getting finance. He works tirelessly and has an excellent work ethic. I would have no hesitation in recommending Phil.

Deborah-Inge Apriani

Queanbeyan East, NSW, 2620

Exceptional Service and Seamless Process

I cannot express enough gratitude for the outstanding service provided by Phil and his team in securing a home loan for our investment property. This marks the second time we've worked with him, and once again, he has exceeded our expectations in every aspect. From the outset, Phil demonstrated unparalleled efficiency and responsiveness. After calling him on Saturday and providing him with all the necessary information on Monday, he wasted no time in springing into action. By Friday, we were pleasantly surprised to find that the bank was ready to settle, a testament to Phil's unwavering dedication and expertise. What truly sets Phil apart is his unwavering availability and willingness to assist at any given moment. Whether through a phone call, email, or text message, he was always just a message away, promptly addressing our concerns or queries. His commitment to keeping us informed and alleviating any anxieties we may have had throughout the process made all the difference, allowing us to proceed with confidence and peace of mind. Phil's professionalism, coupled with his personable nature, made the entire experience seamless and stress-free. His ability to simplify complex concepts and patiently clarify any uncertainties ensured that we were fully informed every step of the way.

Sasha Gavrilovic

Malvern East, VIC, 3145

The real deal

We’ve been working with Phil Lau for over 5 years, and I can confidently say he is the best in the business. Phil has been with us through every stage of our property journey, and most recently, he helped us secure a complex loan for our dream home in Malvern East. His expertise, dedication, and no-nonsense approach are unmatched. Phil made what could have been a stressful process feel seamless. He took the time to understand our goals, presented us with the best options tailored to our needs, and guided us every step of the way. Even with tight deadlines and multiple moving parts, Phil ensured everything was handled with precision and care. His ability to communicate clearly and negotiate on our behalf gave us complete confidence, and he genuinely went above and beyond to make sure we secured the best deal possible. What sets Phil apart is his transparency and genuine care for his clients. He doesn’t just see you as another transaction—he’s truly invested in your success. Whether it’s answering questions late at night, proactively updating us on progress, or offering sound advice on the bigger financial picture, Phil has always been there.

If you’re looking for someone who will fight for your best interests, make the process straightforward, and deliver incredible results, Phil Lau is the broker you need. We wouldn’t trust anyone else and are so grateful to have him on our

Matt Kelly

Carnegie, VIC, 3163

Won't hesitate to use Phil again and again

Phil presented us with different options on how to purchase our first house and was very helpful over the many months the search took. His honesty and straightforwardness was really helpful in guiding us in the correct direction. When we finally found our house Phil and his team moved quickly and the whole process was very stress free

Michael Cvetkovski

Bexley, NSW, 2207

Extraordinary!!!!

Phil is a professional of the finest quality who delivered on everything he was asked to do. Dedicated to exceeding client expectations while being honest, efficient, and knowledgeable about the topic at hand. He is a loan expert, I would recommend his services and the staff at Mortgage IQ to anyone in need of finance.

Curtis Eriksson

Cremorne, NSW, 2090

Simply Amazing. More than I could have wished for!

Phil and his team were sensational in supporting and locking down my refinancing needs. My situation was incredibly complex involving trusts and corporate trustees in a rising interest rate environment. Phil, with ease, structured and put the deal to bed. With my needs heard, I felt, and was, in very safe hands. Phil and his team understand the market extremely well - very well connected - and knew exactly how to support the loan application process. They made it seem easy. I’m very lucky to know Phil and have him as my broker. He really is the no bullshit broker and gets things done. He is stuck with me for life. Cannot recommend Phil and his team enough - they can, will and do help. Thankyou so much Phil!

Anthony Kirwan

Bracken Ridge, QLD, 4017

Professional, Knowledgeable, Reliable & Always Available - First Class Mortgage Broker

I had a brilliant experience with Phil buying a second investment property. I'm a commercial real estate agent based in Melbourne and Phil is based in Bondi. We've never met in person however Phil has been completely available to chat on the phone, text or email at any time of day or night. There are so many variables when borrowing money and the current lending market is dynamic. Phil has been a constant source of knowledge and expertise, and extremely patient with my many questions. He came recommended and delivered value instantly, securing substantially more funds than other brokers and navigated my commission geared income profile easily. If you're looking for more money, lower rates, flexibility, someone completely reliable, a safe pair of hands, an expert in their field and a professional who is always available and responds to your questions within quick succession - speak to Phil about borrowing money. I never felt pushed or pressured and I'm grateful that Phil took the time to explain everything to me - pros/cons/etc. Thanks again Phil, see you next time!