Buying a home

Take the stress out of buying your next home!
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First home buyers

Your Aussie dream starts here.
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Refinancing

Regain control of your finances.
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Investment

Kickstart or diversify your portfolio.
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Welcome to IYBI Home Loans

Money might make the world go ’round, but it doesn’t have to make your head spin.

Whether you’re looking to buy your first home, your next home, an investment property or refinance, we’ve got your back. No confusing banking language, no nonsense – just practical loans that actually makes sense and work for you.

In Your Best Interests Home Loans have helped over 50 customers in the last 12 months alone (that’s $30 million in loans!).

Paul

We make sure the stars align for your loan

The IYBI Home Loans team shop around from 40+ lenders to choose the right loan for you and your situation.

Why use a home loan broker?

Simply put, you’re busy, life is stressful, and chances are you want to keep the grey hair at bay…

…But in all seriousness a broker does all the heavy lifting for you.

We’ll crunch the numbers, tackle stacks of paperwork head on, work out which loan product is best suited to you be your advocate and chase up the lender to keep approvals progressing, saving save you a good 20+ hours of work. We’ll also work with your solicitor for a smooth settlement – we keep on top of it all, so you don’t have to.

We also have the know-how to find a deal that’s in your best interest. We can accurately assess your situation to maximise borrowing capacity with the lowest rates available to you.

And with no out-of-pocket costs*, you have nothing to lose.

*There is no out of pocket cost for our service where there is an end loan.

Why work with Paul Halford & the IYBI team

  • In Your Best Interests Always: It’s more than a business title. “In your best interests” means we always act with integrity and are relentless in our search for the best loan from our 50+ lenders.
  • We’re Your Broker For Life: We’re not just here for the moment, we’re here for every stage of your financial journey whether you’re a first home buyer, buying your next home or building an investment property portfolio.
  • Finance Made Approachable: New to the finance world? We’re here to help you cut through technical bank terminology, translate confusing terms, and read the fine print to make it simple.
  • We Work At Your Pace: We adapt to your timeline, working as fast as you need us around the clock. Your convenience, our priority.
Why Work With Us

Don’t take our word for it

Happy Homeowners
IYBI Finance BrokersExcellentIYBI Finance Brokers5.0 Based on 89 reviews fromSee all reviews review us onThommoThommo ★★★★★ My wife first discovered Paul on a property forum on Facebook. Paul gave us some hope in our desperate attempt to find information that no one was willing to give us. Paul jumped onto our case despite ourselves not having the greatest of financial backing when looking to buy our first home. Paul was able to do what other brokers over the last few years were not able to do for us and helped us buy our first home in the current property market. We did not seem to small or not worthy of his time. Paul was kind and caring over the many phone calls we made (including what may have been the most frustrating of questions to constantly answer). There was not a single time that was inconvenient. Paul was knowledgeable and informed us every step we made treating us with such kindness. After staying our first few nights in our new house we were greeted with a beautiful care package that had no expense spared. My wife is from overseas and hasn't perfected our language as of yet, Paul took the time and had the patience to make sure my wife was well informed. I cannot recommend Paul enough.Lucy ConwayLucy Conway ★★★★★ Best in the business. Paul has been an amazing broker who walked us through the process of buying our first home. His expertise and compassion for silly questions is unmet. Thanks so much Paul 😊Mitchell GrayMitchell Gray ★★★★★ Paul was nothing but outstanding with helping me to get a fantastic result in my reconsolidation and moving of my home loan to a better rate than I had with "one of the big 4" banks.My payslips were a hassle for banks to understand due to allowances and deductions being a shift worker however Paul was always going to bat for me and fighting to get the results that I needed.I am now one happy customer of Paul's with the result he achieved under difficult circumstances during the rate rises etc.Great customer service and he was always keeping me up to date during the entire process.Raven HawrylukRaven Hawryluk ★★★★★ Paul was extremely helpful and as the company name suggest, everything was in my best interest. The assistance doesnt end after settlement, he is very caring and supportive. Would reccommend him to everyone.Tony McBeanTony McBean ★★★★★ Paul was a great communicator, giving us options and explaining everything as the process unfolded. Paul is very knowledgeable and responsive, even working across the weekend to get everything done. We are very happy with the service we received and definitely recommend anyone to Paul and the IYBI Home Loan team. You won’t be disappointed. Julie and TonyDylan BerderowDylan Berderow ★★★★★ Paul was absolutely fantastic in helping us understand and go through the process of buying our first home. Excellent communication, and a really personal service. Highly recommend Paul!Alison JefferiesAlison Jefferies ★★★★★ Firstly if I could give 100/100 stars for Paul’s genuine care and desire to fulfill another’s dream I would. 4 days out from a contract going unconditional on a new home for myself and my 2 children, I was told bluntly from my broker I wouldn’t get the finance causing absolute devastation, and to cancel the contract. I was casually referred to Paul. Well, from the moment i spoke him he got to work, reassuring me, calming me, keeping faith and making it a priority to get my finance through. Within 5 days Paul had proven to a bank that I could absolutely finance a mortgage no matter my income streams, Paul knew straight away which bank we would need to apply for, his knowledge, understanding, compassion, and genuine care went above and beyond any expectations and service I have ever received. A lifetime customer, without Paul and his motto In Your Best Interests I would not have fulfilled my dream. Thank you, forever grateful and look forward to working with Paul all things financial in the future🙏😊🌟🌟🌟🌟Michaela GroomMichaela Groom ★★★★★ Paul Halford is an absolutely fantastic broker. Highly recommend him. I was referred to him by my sister who also had a successful experience with him.My partner and I needed to refinance our home loan and had to jump through quite a few hurdles to do so. Paul took no time at all to come up with realistic options for us that suited our needs and situation.Paul has great communication. He would always respond swiftly to emails, texts or calls, no matter the time or day.I highly recommend you speak to Paul next time you need to refinance or purchase a house!Whitney GroomWhitney Groom ★★★★★ From selling my last property less than 12 months ago due to a separation to then having a goal for the new year to purchase again.I found Paul through a recommendation on Facebook from a local page.He worked long hours, after hours when required & went through a lot of challenges but we got there in the end with nothing but professionalism & friendliness!HIGHLY recommend Paul to help with any of your mortgage needs! 🙌Arvinder SinghArvinder Singh ★★★★★ Thank you Paul for assisting with the refinance of our Home Loan. You have been very helpful throughout the process. Five Star customer service, clear communication, options of choosing the new bank and timely reminders for all the documents made the process very easy for us. Thank you, Arvinder.SamSam ★★★★★ Paul has just helped us through the buying and selling process of our lovely new home. We are highly impressed with the service and would recommend to anyone looking for financial advice to use Paul.Thanks again, we look forward to using you again to re-finance the mortgage down the track!Sam & Ellen.Denise StuartDenise Stuart ★★★★★ Paul was amazing. He was so knowledgeable and went above and beyond to secure the loan. I would highly recommend Paul if you are looking for a good broker.Tia StuartTia Stuart ★★★★★ Paul is a pleasure to work with, and I would recommend him to anyone requiring a mortgage broker. He is clear in his communication, patient and kind with his responses to our many (first home buyer) questions, and respectful while reviewing finances and spendings. 5/5, thanks Paul.John HarmerJohn Harmer ★★★★★ Paul is the best Home Loan broker you could find. He works really hard to get the best deal possible and at the same time is a pleasure to deal with. Thanks Paul for your help! The name says it all. In Your Best Interest Home LoansRobert SheppoRobert Sheppo ★★★★★ Amazing service, helped me through the whole process start to finish. Couldn’t recommend anyone better.Mohsin ShahzadMohsin Shahzad ★★★★★ I want to express my sincere appreciation for the exceptional service provided by Paul Halford at IYBI Home Loans. We recently worked with him to secure a home loan, and his commitment to ensuring a seamless process was truly remarkable.He not only possesses an in-depth understanding of the lending landscape but also went above and beyond to secure the best possible loan terms for us. His expertise in navigating the complexities of loan lending was evident, making the entire process smooth and stress-free.What sets him apart is his proactive approach. He anticipated potential hurdles, addressed them preemptively, and kept us well-informed at every stage. The level of communication was exemplary, and he ensured that we were comfortable and confident throughout the loan application process.In addition to his exceptional communication, he demonstrated strong negotiation skills, securing favorable loan terms on our behalf. His dedication to our financial well-being was evident, and we felt genuinely supported throughout the lending process.I wholeheartedly recommend him to anyone seeking not just a broker, but a partner in their financial journey. He has not only earned our gratitude but also our highest recommendation for his outstanding loan lending capabilities.Jeffrey LaingJeffrey Laing ★★★★★ The experience with Paul has been amazing. He covered every detail and found a number of options to choose from. From the time I sat down with him the first time through to the settlement day he assisted in everything, totally positive, helped with every aspect, recommended some excellent people to assist along the way and gave a personal touch totally unexpected along the way. Also will review the loan along the way to make sure the best available product is availed and cost is the lowest it can be. Thanks Paul, IYBIMark OliverMark Oliver ★★★★★ I can't say enough about the incredible work Paul does at IYBI Home Loans. His dedication to providing top-notch service to clients is nothing short of phenomenal.Paul consistently goes above and beyond, pushing his boundaries and acquiring new skills to stay ahead in the mortgage broking game. The biggest point of difference for Paul is his mindset towards a service based buiness, he generally values his clients and looks to build relationships to ensuring every client gets the best possible experience.I highly recommend Paul at IYBI Home Loans for anyone looking for a mortgage broker who is not just competent but also dedicated to continuous improvement. Kudos to Paul for your outstanding work!Jayden DuffieldJayden Duffield ★★★★★ My wife and I used Paul to refinance our mortgage and switch banks. Paul did all the heavy lifting, giving us multiple options that suited our needs. Paul was great throughout the entire process and helped us with a heap of questions, making it a seamless transition. Would highly recommend Paul - 5 stars!Zoe WestcottZoe Westcott ★★★★★ I had an outstanding home loan experience working with Paul Halford.His thorough research, combined with a pleasant and stress-free approach, made the mortgage process a breeze.Paul ensured we were well-informed every step of the way, and his expertise proved successful in securing exactly what we needed.I highly recommend Paul for anyone seeking a reliable and knowledgeable mortgage broker.Simba MatandaSimba Matanda ★★★★★ Had the pleasure of Paul’s services for a home purchase recently. Paul’s guidance was top notch throughout the whole process.Narelle GattiNarelle Gatti ★★★★★ Paul Halford has been incredible in working with my son to get his first house loan. Paul has taken my son, step by step through what is needed and I have also referred a second son to Paul. Great client service and thoughtfulness. thank you PaulTrina NewbyTrina Newby ★★★★★ This was such an easy stress free process. Paul was so accommodating. He really went above and beyond with helping me get my loan. I am not good with computers, and he was so good at taking me through everything meeting up to help me. I truly have never had such a good experience and so much help. Thank you so muchSamuel KnightSamuel Knight ★★★★★ I recently bought a new house and had the pleasure of working with Paul as my mortgage broker. As a first-time buyer, I was quite unsure about the process, but Paul was a game-changer. He was exceptional in explaining every step, making complex mortgage concepts understandable. What stood out was his dedication to finding the best mortgage option tailored to my needs. His responsiveness was second to none – always quick to reply, even outside typical business hours and on weekends, ensuring that my loan applications were processed without delay. His commitment and advice were invaluable, and I couldn't be more grateful. I highly recommend Paul to anyone needing a mortgage broker!Derick HiltonDerick Hilton ★★★★★ IYBI would be the most helpful broker I have encountered. They helped me out in my time of need and came through. Thanks very much to Paul for making the process quick and easy.Alice FarcasAlice Farcas ★★★★★ Paul has been very prompt, helpful and open to answer any questions my husband and I had. It was always easy to talk to him. We bought our first home with Paul’s guidance. Working with Paul has been a truly positive experience. Thank you!Amy EllingworthAmy Ellingworth ★★★★★ I cannot thank Paul enough for the exceptional and professional service I received. From the moment I engaged Paul, he went above and beyond to ensure a smooth mortgage process.Paul's communication was impeccable, and he kept me informed at every step of the way. His dedication and determination truly shone through, as he didn't give up even when we encountered unexpected curveballs. What's even more impressive is that he took over from my previous broker, who nearly lost me the contract, and had my finance approved within 4 days.I am incredibly grateful for Paul's expertise, professionalism, and commitment to his clients. If you're looking for a mortgage broker in Brisbane who truly cares and delivers outstanding results, I wholeheartedly recommend Paul. Thank you, Paul, for making the home-buying journey a success!Stefanie SchooldermanStefanie Schoolderman ★★★★★ Paul (Mortgage Broker- Morayfield) has been great every step of the way during my process of buying a house. Could not recommend more!KateKate ★★★★★ We met Paul by chance as we were not looking for a broker but so glad we did.We most certainly will not be sourcing finance the conventional way via ‘the bank’ and will stick with Paul for our future investment options.I highly suggest anyone thinking about investing in real estate do the same and contact Paul Halford. His ethics and integrity are immediately apparent, as is his professionalism and readiness to help, despite our multitude of questions.Victoria BlackVictoria Black ★★★★★ Our fixed mortgage (with a very low rate) was coming to an end and in this climate, that was pretty scary for us. We knew we had to refinance, but had no direction or idea on what that meant.I am so extremely grateful that I took the leap and reached out to Paul off the back of a search in our local Facebook community group.We had a coffee with Paul and from the minute we walked away from that initial consult, my husband and I both agreed that we wanted to work with Paul.Our experience with him was definitely five star. Yes, he got us a fantastic interest rate but it was so much more than that. He asked questions and he listened to us; what our biggest worries were, what we wanted to do with our loan, and explained the different products in a way that we understood.His communication was excellent and I could always get hold of him with ease. I’ll absolutely be recommending him to anyone that needs the service!Mollie BlatchMollie Blatch ★★★★★ Paul was extremely helpful when we were looking to purchase our property, he made the process so easy and stress free and kept us up to date the whole time.Ida HartwigIda Hartwig ★★★★★ Paul is my miracle mortgage broker! I had a VERY challenging case and was already told by one mortgage broker that it was not possible for me to purchase my dream home in Redcliffe. I was about to give up until I was recommended Paul from a friend. From the very first phone call, Paul went straight to work, not taking no for an answer, working long hours to finally find me the best loan for my circumstances. THANKYOU so much Paul !!Carla RutherfordCarla Rutherford ★★★★★ We have recently just purchased our first home with the help of Paul. Paul has exceeded our expectations & provided us with the best loan suited to us and our needs. Paul has incredible communication skills & kept us up to date and informed without needing to chase his tail. Paul even offered to call me at 10pm when I wasn’t sure of something. Safe to say I will be recommending Paul to all of my friends and family!Tatyana PetrovaTatyana Petrova ★★★★★ Paul was increadably helpful, prepared and provided us with all necessary infomation within record time.Karina StephensKarina Stephens ★★★★★ Paul was very helpful and knowledgeable. Any questions we had, Paul was always available to either answer via phone call, text, or come over at a time that was suitable for my husband and I to explain face to face. Would highly recommend.Versha WardVersha Ward ★★★★★ Paul made the process for securing our loan for our first investment property an absolute breeze. His friendly approach, excellent communication and knowledgeable advice was fantastic and I will be recommending his services to anyone I know who needs it.Julie LovettJulie Lovett ★★★★★ Paul work tirelessly for us to get exactly what we desired and needed.His patience, dedication and efforts were throughly appreciated.We highly recommend using Paul for all your top notch Broker needs.Thanks Paul, looking forward to dealing with you in the future.Julie & Andrew LovettTobesTobes ★★★★★ It’s no exaggeration to say that without Paul, I doubt we would have got our purchase off the ground. We already had a mortgage and wanted to buy a bigger house for the family. My partner was on Mat leave and our existing lender would not help us with a new loan … it all seemed too hard until we met with Paul. Within 2 weeks he arranged a new loan with a much lower rate for us! And if that wasn’t enough, when our house sold for less than we planned, he was able to arrange a quick refinance on the new property for us too! He took all the stress out of the whole process, I’d highly recommend Paul!Kkakes15Kkakes15 ★★★★★ Paul was extremely supportive throughout the process of obtaining my first ever home loan. He was adaptable to my different working hours being a shift worker and considerate with how I wanted to move along the process. He has been readily available for messages and explaining anything further to me throughout the process. I have and will continue referring friends to speak with PaulNeil GrunsellNeil Grunsell ★★★★★ Great experience and personal touch serviceDonna EssexDonna Essex ★★★★★ We first saw Paul on instagram & after watching some of his videos we decided to reach out to see if he could help with the purchase of our first home. Paul was quick in responding to set up our first meeting. Since that meeting Paul has been beside us throughout the whole process no matter what curve ball we threw at him. He made the process as smooth & easy as possible. He was always just a call or text away. We are so thankful for everything Paul has helped us with & highly recommend his services to others. Thank you again PaulKevin SmithKevin Smith ★★★★★ Paul was very knowledgeable and able to talk us through a couple of different scenarios for refinancing - between providers other than the big banks, and pros and cons of fixing vs variable. An excellent experience and thank you so much for your help!Narelle GattiNarelle Gatti ★★★★★ Paul has worked with my son to get the pre-approvals for his first home loan. Paul has explained everything and my son knows what is happening and what to look for as he buys his first home Thank you PaulLaura McIntoshLaura McIntosh ★★★★★ If you are looking for a home loan professional who talks to you so you know exactly what is happening and will work hard to get the best outcome for you then Paul is your man. Paul will make you feel comfortable and relaxed and listen to what YOU are after.Narelle SavilleNarelle Saville ★★★★★ Very highly recommend paul as he is very thorough and went out of his way to get things done.Very friendly, great communicator, great knowledge of the industry and an absolute professional. Thankyou paul!!!Rae BellRae Bell ★★★★★ What an awesome experience we have had! Fully informed throughout the process. Everything went perfectly and in such a short amount of time. No stress at all. Paul is professional, personable and extremely knowledgeable. Thank you so much Paul for helping us secure the next chapter of our journey.Ellen WhitfieldEllen Whitfield ★★★★★ We contacted Paul and his team about our current mortgage and lender. Paul responded quickly and organised a meeting with us. Leading up to the meeting contact and data collection was very easy. During our meeting Paul was very professional and explained our refinancing options as well as other options changing current loan term and increasing our loan balance. His software made it very easy to compare how our mortgage would change with each scenario. I would highly recommend Paul and the team at Home Loan Professionals to review your mortgage and refinancing options.Naomi WallaceNaomi Wallace ★★★★★ Excellent service from Paul - mortgage broker, Kallangur. He was very thorough and made the whole process easy.Tracey ChapmanTracey Chapman ★★★★★ We were looking for a mortgage broker in Burpengary and were referred to Paul. He was able to source us a loan which meets our needs. It honestly took the stress out of the whole experience for us. He responded to our messages and emails really quickly and we felt like he was readily available. He has a very friendly manner which makes him very easy to work with. Would definitely work with him again and would definitely recommend. Can’t rate the experience highly enoughjs_loader

Areas we service

We’re dedicated to serving North Brisbane and Moreton Bay Region locals.
  • Aspley
  • Bray Park
  • Bridgeman Downs
  • Brighton
  • Brisbane North
  • Burpengary
  • Caboolture
  • Kallangur
  • Morayfield
  • Narangba
  • North Lakes
  • Redcliffe Peninsula
  • Strathpine
  • Warner

Your local Moreton Bay finance brokers to unlock funds and open doors.

In Your Best Interest Finance Brokers is your trusted partner in your life journey to fund your goals and dreams.

Together, we’ll secure the resources you need to bring those dreams into reality.