Who actually answers these questions?

I'm Bayley Clarke.

I'm a mortgage broker who lives and works out of a van, somewhere on the road in Australia. One person, your whole loan: when you call the number on this site you get me, first conversation to settlement day, and I like it that way. Maple comes along for the ride. She's my chief happiness officer.

I've helped 170+ people into or out of home loans, and they've left 110+ Google reviews, all five stars. The pattern in those reviews isn't "he got us the cheapest rate ever." It's "he explained everything" and "no question was too silly." That's the job as I see it: helping everyday people actually understand their biggest debt, in plain English, before they sign anything.

Why the van

Because the work I love is sitting across from someone and untangling their loan, and it turns out that doesn't need a fixed address. I grew up on the coast, spent years in country towns, and took the job on the road. The van means I've answered home loan questions at kitchen tables and market stalls all over the country, and the same questions kept coming up everywhere I went. Those questions became the answer library.

How I get paid

For standard home lending, my work costs you nothing. I'm paid a commission by the lender when your loan settles. I get to charge the bank for the work I do, not you. If your situation ever fell outside that, I'd tell you upfront, in writing, before anything started.

The follow-up question people are too polite to ask: doesn't that pull you toward whichever bank pays most? Commission rates barely differ between lenders, and I have to document why a recommendation fits you, not them. Ask me this on the call and see if the answer changes.

Check me yourself

Don't take a website's word for it. Every one of these is on an independent register you can search: