Luke Drake
Mortgage Broker
Authorised Credit Representative (CRN: 565112) | Frontier Finance Co | ACL 561324
About Luke
I started Frontier Finance Co because I saw how much difference the right loan structure makes, not just in the rate you pay, but in whether you actually achieve your property goals on your timeline. Too many people walk into a bank, get told a number, and assume that's their ceiling. It often isn't.
I'm a mortgage broker helping first home buyers, property investors, and refinancers across Australia. I compare loans across 40+ lenders, including banks, credit unions, and specialist lenders that don't advertise to the public, and I manage your application from first conversation to settlement.
My clients are mostly people navigating something complex for the first time: a first home purchase with government schemes involved, an investment loan that needs the right structure for tax efficiency, or a refinance where the numbers genuinely need to stack up before making the move. I enjoy the problem-solving part of this work.
I hold an Australian Credit Representative authorisation (CRN: 565112) under Loans Only Pty Ltd (ACL: 561324) and operate in full compliance with ASIC's responsible lending obligations. My service is free to you. I'm paid by the lender when your loan settles.
Specialisations
First Home Buyers
I help first home buyers understand exactly what they qualify for, including the First Home Guarantee, state grants, and stamp duty concessions, before choosing a lender.
Investment Property
Getting the loan structure right from day one matters for tax efficiency and future portfolio growth. I help investors set up clean, separate loan structures.
Refinancing
I run the numbers before recommending a move. If refinancing doesn't genuinely save you money after costs, I'll tell you.
What Clients Say
"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 to discussing options."
Jake Graceffo
First Home Buyer, March 2026
"Luke from Frontier Finance Co was awesome to deal with. Super knowledgeable, easy to communicate with, and made the whole process stress-free. He went above and beyond. Highly recommend!"
Zane Dingle
Google Review
How I Work
Understand Your Situation
I take time to understand your financial goals, current circumstances, and what you're actually trying to achieve before recommending anything.
Compare Across 40+ Lenders
I compare options across my full lender panel, not just the banks with the biggest marketing budgets. Different lenders have different policies on income, expenses, and loan structures, and that variation can make a significant difference to your outcome.
Explain Your Options Clearly
I explain the pros and cons of each option in plain language. No jargon, no pressure. You make the decision. I make sure you have everything you need to make it confidently.
Manage It End to End
From application through to settlement, I manage the process and keep you informed at every stage. You shouldn't have to chase anyone.
Credentials and Compliance
Authorised Credit Representative
Credit Representative Number (CRN): 565112
Australian Credit Licence (ACL): 561324, Loans Only Pty Ltd
Regulatory Compliance
Registered and compliant with the National Credit Code and ASIC guidelines. All advice adheres to responsible lending obligations under the National Consumer Credit Protection Act.
Lender Panel
Access to 40+ Australian lenders including major banks, non-bank lenders, and specialist finance providers. This breadth matters, lender policies on income assessment, expenses, and loan structures vary significantly, and finding the right lender for your specific situation can change your outcome meaningfully.
Get in Touch
If you have a question about anything you've read on this site, or you want to understand your options before committing to anything, book a free call. No obligation, no sales pitch, just a straight conversation about what's possible for your situation.
Quick Facts
Name
Luke Drake
Role
Mortgage Broker
CRN
565112
ACL
561324
Service Area
Australia-Wide
Lender Panel
40+ Lenders
Cost to You
Free Service
Specialisations