Phil is knowledgeable, has strong negotiation skills, and is very easy to deal with. He’s also backed by a personable and supportive team. He assisted us with finance for a property purchase, and while there were a few challenges to navigate, Phil and his team handled everything seamlessly. It made the whole process much easier for us. Phil is honest, straightforward, and great to deal with, I wouldn’t hesitate to recommend him.

We reached out to Phil quite some time ago to ensure we understood our position and the best approach for buying our first property, especially as we were returning to Australia after a period living abroad. Phil was patient and explained the process, and was able to guide us in securing the best loan and options for our needs. We’d happily recommend Phil to anyone looking for a broker.

I didn't know much about the process, but Phil personally guided me through it. Providing the right insights and knowledge to get the loan approved. I feel, he went above and beyond to help sort out a few issues.. he was honest and straight forward, which I greatly appreciated.. I would 100% recommend using his services. Thanks Phil.

Phil was clear and transparent from our first meeting until our settlement phone call. He is super responsive to emails, and you can always book in a time for a meeting if needed for further explanations on loan options etc. He is also available to call for quick questions. Phil listens and put forward options that suit your financial goals. A pleasure to work with, thank you Phil.

Thanks for all your help to make our purchase a positive experience. Phil is very approachable and high responsive to email and phone calls. We look forward to using you again in the future.

Phil is amazing no matter what time I send a text or email to him he replies so quickly. Have done many loans with Phil as he makes the process stress free for us! Thanks again.

We recently worked with Phil and his team for the financing of our investment property, and the service was exceptional from start to finish. Phil was incredibly responsive—often going above and beyond, even outside of regular business hours—to offer guidance and advice when we needed it most. His professionalism, attention to detail, and commitment to making the process smooth and stress-free really stood out. We wouldn’t hesitate to recommend Phil to anyone looking for reliable, expert support with their loans, and we’ll most definitely be using his services again in the future.

Phil has been our broker for over a decade and we have used his services to obtain loans for multiple properties. We would have no hesitation in recommending him and continue to use his services because there is no one else we would trust more to find us the best loan which fit our circumstances. Phil and his team worked very hard to secure finance for our latest purchase and it was due to his expertise and experience. He is dependable and reliable.

As a novice investor, I was initially overwhelmed by the mortgage process, but working with Phil and his team made all the difference. Their expertise, patience, and attention to detail turned what could have been a stressful experience into a smooth and straightforward journey. From the very beginning, Phil took the time to thoroughly explain my options, answer all my questions, and ensure I felt confident in my decisions. Their professionalism and commitment to securing the best possible outcome were truly impressive. Thanks to their guidance and support, I was able to secure the right mortgage for my investment property with ease. I highly recommend Phil to anyone looking for a knowledgeable and reliable mortgage broker. I look forward to working together again in the future!

Phil secured finance for our first home purchase under complex circumstances. His expertise, relationships and hands-on approach delivered a great result. Phil is the 'no bullls&@it' broker - honest, transparent and dedicated. He works tirelessly to provide the best deal possible, empowering informed decisions. As first-time homebuyers, Phil's guidance was invaluable. We couldn't have done it without him. Thank you, Phil!

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.

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 team. Highly, highly recommend!