• Navigator Home Loans

About Us

In February 2001, Michael Platt the managing partner of Navigator Home Loans began writing loans as a contract mobile lender for St.George Bank. In June 2004 Michael and Jenny set up their own loan planning firm with a desire to build a business that put as its number one priority the ability to foster a client for life strategy; to be available to their clients as their lending specialist for years to come.

Navigator works with clients to assist them in sourcing the best home finance solution for their circumstance. Our consultation is a free service to the borrower.

Navigator Home Loans are a member of PLAN Australia (Professional Lenders Association Network of Australia) and a full member of the peak industry body the MFAA (Mortgage & Finance Association of Australia).Michael Platt is a Authorised Credit Representative (CR. 399245) of Team Navigator Pty Ltd (Australian Credit Licence No. 436673).

Make an appointment

Navigator Home Loans offers a mobile service to the greater metropolitan area of Sydney. Navigator can come to you at home or place of work Monday to Friday or Monday through to Thursday evening. Navigator also sees clients by appointment in our two convenient office locations.

*Evening appointments available Monday - Thursday

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  • The Story So Far...
  • Why Use A Broker?

    We foster clients for life.

    Expertise and know how to show you the way

    The Benefits


Benefits of using a Broker?

In most instances, the service that Navigator Home Loans provides is free to the borrower. The lending institution pays Navigator Home Loans for processing and bringing them the loan. It is obviously cheaper for the lender if Navigator Home Loans meets with the client, explains the benefits of their product and helps the client to complete the application form and supply all the required supporting documentation.
Plus you get the following advantages:

Best Rate: Mortgage lending is a very competitive business. Often one bank will offer the best rate today while another will offer a better rate tomorrow. There is no one bank that you can count on for the best rate. At Navigator Home Loans we see daily the rates of the most competitive lenders.

Flexibility: Each bank has their products that they offer. Some lenders will only accept clients with perfect credit. Others require large down payments or full documentation. Some will do alternative loans types but are not priced competitively. We have relationships with multiple lenders and know which lender has the best product for your scenario.

Convenience: With Navigator Home Loans, you get personalised service. You can also call us after banker’s hours to answer any questions. Our aim is to so impress you with service and support that a mutually beneficial long standing relationship is formed.

Expertise: In the state of NSW, the MFAA (Mortgage & Finance Association of Australia), requires Accredited Mortgage Consultants to get 25 credits of continued education every year. Additionally all loan writers at Navigator Home Loans are required to meet a minimum education standard of a Certificate IV in Financial Services/Mortgage broking. We are experts in the loan process and at matching a borrower with a lender.

Mistakes to avoid

Some borrowers think or have been told that by going to the bank directly they will save on rates and fees. This is a mistake that can cost you thousands of dollars or even cost you the ability to get a loan at all. Here are some of the pitfalls you avoid by using Navigator Home Loans.

Too much shopping: Some people run around from one lender to the next trying to find the very best rate. Unfortunately, this can do more harm than good. First, when you apply for a loan, the bank conducts a credit check. Too many inquiries on your credit record can lower your credit score making it harder for you to get a loan at the best rate.

Going to the wrong lender:
Lenders have specific loan programs. You may not be eligible for one lender’s program while you would be with another. Often during the verification process problems or issues are discovered. When you go straight to the lender, the lender becomes immediately aware of the problem and may turn you down. You will have to restart the process again with a new lender. By this time rates may have gone up or your purchase contract may expire. At Navigator Home Loans can help you identify the problem before it goes to the lender. Additionally, if a new lender is needed, then Navigator Home Loans takes you there seamlessly by using the same file.

Navigator Home Loans are a member of PLAN Australia (Professional Lenders Association Network of Australia) and a full member of the peak industry body the MFAA (Mortgage & Finance Association of Australia). Michael Platt is a Authorised Credit Representative (CR. 399245) of Team Navigator Pty Ltd (Australian Credit Licence No. 436673).

  • “Thank you for everything, you have been great. The day of settlement went very smoothly and we are very happy to finally be in the new house – I thought the day would never arrive. I will recommend you to anyone that needs a home loan.

    You are wonderful! Pete, Jen and I really appreciate all the hard work you have put in. Hope everything goes well with the building of your new home in lovely Harrington Park.”

    Kind Regards

  • “I just wanted to take this opportunity to thank for all your efforts in assisting me in obtaining the loan for the property in Camperdown. I have settled last Friday and everything has run across smoothly.

    You have been fantastic through ‘n’ through. I will highly recommend you to anyone I come across that is looking to finance for a property.

    Once again many thanks.”

    Yours Sincerely,
    Bill T

  • “You guys have been great and I will definitely recommend anyone that needs finance to go through Navigator Home Loans.”

    Thanks again!

  • “Rita and I would like to thank you very much for your fantastic help and service. Once again you have made a potentially complex procedure seem much simpler and easier. Will be great to catch up again soon.”

    All the Best

  • “Michael, thank you very much for all your hard work and that of your team with our mortgage and subsequent invoices etc.

    Construction loans are obviously more work than straight sell and home purchase and this puts you in a very special bracket of expertise that needs to be focused on.

    You have a good process that would assist the 109,000 new families coming to the South West Growth Centre not to mention the 8-9,000 new families dotted throughout Camden within existing release areas.”

    David H

  • “Thanks for your all help in this and I’m sure we will be keeping in touch with you in the future for whatever reason. I will be sure to let all of my friends know about you also.”

    Thanks again.

  • “Yippeee!!!!!!!!!!!!

    Thanks for all the hard work and hand-holding! We would have been so lost in all those complexities, valuations, 2 loans, mortgage insurance etc etc!!

    Thanks for your timely advice about the rate-lock and securing a large portion of our loan in a fixed-rate mortgage. This will save us thousands of dollars following the recent rise in rates.”


  • “We found Michael and the team to be both astute in their choice of lender and diligent in their delivery of services.

    It is reassuring to have such a professional and local team working for our interests in these difficult financial times. Whether you’re building a home or buying an existing one, you can trust that Michael will give you the best advice and service possible.”

    Yours Sincerely,
    David and Jennifer H, Mt Annan

  • “Many thanks for your excellent assistance. I have your card and shall recommend you should any opportunities arise.”

    Kindest regards,
    Joy & David H

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