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About Ross McFarlane

Ross McFarlane, Licensed Mortgage Broker. Credit Representative 526725.

Ross McFarlane is a licensed mortgage broker based in Adelaide who helps first home buyers, self-employed borrowers and property investors across Australia. He works across a panel of more than 70 lenders, at no cost to you, and is legally required to act in your best interest.

Experience you can lean on

Before broking, Ross spent more than a decade in sales, including pharmaceutical sales, where success depended on understanding people, explaining complex things simply, and being trusted with important decisions. He brings that same plain English approach to home loans, so you understand not just what to do, but why.

How To Home Loan exists to make the process clear. The guides, calculators and answers on this site are written to help you move forward with confidence, whether you are buying your first home, refinancing, building, or investing.

How we work, and how we are paid

We compare options across a panel of more than 70 lenders, not a single bank.
There is no cost to you for our broking service. The lender pays the broker on settlement.
As a credit representative, we are legally obliged to act in your best interest.
We structure your loan to fit your situation, then manage the application through to settlement.

Credentials and licensing

Licensed Mortgage Broker, Credit Representative 526725.
Credit services provided by Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.
Member of the Australian Financial Complaints Authority (AFCA).
Member of the Mortgage and Finance Association of Australia (MFAA).
Based in Adelaide, South Australia, working with clients across Australia.

Free, no obligation

Have a question about your situation?

Answer a few quick questions and we can map your options across a panel of more than 70 lenders. No cost, no obligation.

Book a Free Chat

A few quick questions, no obligation.

What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

Last step. Where should we send your options?

Your information is private and we will never share it.

First Name

Last Name

Email Address

Australian Mobile Number

By submitting, you agree to be contacted by one of our team of licensed mortgage brokers. No obligation. No spam.

You're all set.

We've received your details. One of our friendly brokers will reach out within 1 business day to help guide you through your options.

Explore the guides

Browse the full home loan guide library

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.