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!

I was glad to have Phil (and Marian) at Mortgage IQ working for me on my mortgage for my home. Phil was knowledgeable about the options for my situation and set up a great deal for my finance. He was easy to get in touch with and gave fair and considered advice. Phil worked with me when I had changes and questions and provided excellent overall service.

Phil went above and beyond for us in securing a new loan as first home buyers with little knowledge of the process. Great communication and support provided at all times. Always looking out for our best interests. Thanks Phil!

Phil is an absolute pleasure to work with. His extensive knowledge and wide-ranging experience were evident as he guided and educated us through the complex process of preparing our documents, completing the application, and ultimately securing the loan. Phil and his team have always been exceptionally clear in their communications, prompt in their responses, and dedicated to seeing the process through to the end.

Phil Lau is fantastic! He helped me get a home loan with a great interest rate. Phil knows his stuff and took the time to understand what I needed. He kept me informed at every step of the process, making things easier to understand and less stressful. If you need a broker who cares and gets great results, Phil is the one to go to. Overall, working with Phil was a positive experience, and I would highly recommend him to anyone looking for a knowledgeable and dedicated mortgage broker.

Phil and his team demonstrated excellence in planning and executing our loan. Phil maintained honesty and provided informative guidance throughout the process of purchasing an investment property. This experience was the smoothest and easiest I have ever encountered. I highly recommend their services to anyone seeking assistance with loans.

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.

Phil certainly takes the stress out of applying & having a home loan approved. Our application was a complicated one. we couldn’t have got through the process without Phil’s expertise! We are very grateful as he always kept us in the loop & was available day or night to answer any of our questions. Much appreciated Phil. I recommend him to my family & friends.

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