Your Broker
Luke Drake
Authorised Credit Representative (CRN: 565112) | Frontier Finance Co | ACL 561324
Luke Drake is a mortgage broker helping first home buyers, property investors, and refinancers across Australia find the right loan from 40+ lenders. With hands-on experience across every stage of the loan process, Luke provides plain-English advice and manages your application from first conversation to settlement.
How much deposit do I need to buy a home in Australia?
Most lenders require a 5–20% deposit. First home buyer schemes in most Australian states allow deposits as low as 5% without paying Lender's Mortgage Insurance (LMI). The exact amount depends on your income, credit history, and the property value. We help you understand your options and maximise available government schemes.
What does a mortgage broker do in Australia?
A mortgage broker compares home loans across 40+ lenders to find the best rates and terms for your situation. Instead of visiting banks individually, we handle the application process, negotiate on your behalf, and provide expert guidance, at no cost to you.
What are the benefits of using a mortgage broker over a bank?
Brokers save you time and money by comparing multiple lenders at once, often securing better rates than you could negotiate directly. We also help you avoid unsuitable products, navigate complex applications, and access specialist lenders for situations banks won't accommodate, including self-employment, investment structures, and low-deposit purchases.
What Our Clients Say
Real stories from Australians we've helped achieve their property goals.
What Our Clients Say
Real testimonials from satisfied customers
"Luke helped me get my first home loan. He was extremely helpful throughout the entire process and was on top of everything. Especially as being a first home buyer this was a confusing process but Luke was always available to answer questions I had and was very open and quick to note any changes to my approval process. Thanks heaps Luke. Will definitely use your services again!"
Jake Graceffo
31 Mar 2026
Our Main Services
Whether you're buying your first home, building an investment portfolio, or refinancing your current loan, we have the expertise to guide you.
Navigate grants, schemes, and financing options for your first property purchase.
Build your portfolio with tax-efficient structures and competitive investor rates.
Stage payments and flexible terms for new builds and renovations.
Competitive rates and flexible terms for owner-occupier properties.
Unlock your home's potential with refinancing and equity release options.
Why Choose Frontier Finance Co.
We're not just a mortgage broker, we're your trusted financial partner from first enquiry to settlement and beyond.
Access to Australia's leading banks and specialist lenders to find the best rates and terms for your situation.
Never a number, always a valued partner. Your dedicated broker provides expert guidance every step of the way.
Helping first home buyers, investors, and refinancers in every state and territory. Online, phone, or in-person consultations available.
Our Core Values
Everything we do is guided by our commitment to putting your interests first.
Never a Number
You're not just another file on our desk. We take the time to understand your unique situation and goals.
Always a Valued Partner
Your success is our success. We're committed to finding the best solutions for your financial future.
Expert Guidance
With years of experience across all market conditions, we provide advice you can trust.
Stress-Free Process
We handle the complexity so you can focus on what matters. Clear communication, every step of the way.
Expert Guides & Resources
Comprehensive guides covering every aspect of property finance, from first home buying to investment strategies.
Complete guide for first home buyers covering grants, schemes, deposit strategies, and common mistakes.
3 Cluster Guides →
Master refinancing strategies covering when to refinance, rate comparisons, costs, and timelines.
4 Cluster Guides →
Build your portfolio with guides on loan structures, gearing strategies, and tax efficiency.
3 Cluster Guides →
Everything you need to know about financing a new build, stages, progress payments, and lender requirements.
Learn More →
Additional Services
Beyond our main services, we also offer specialised financing solutions.
Get Your Free Consultation
Tell us about your property goals and we'll connect you with the right solution.