Mortgage and finance broker, Cairns
Home loans sorted, by a broker who actually lives here.
Renaee McSwan compares loans from a wide panel of lenders and handles the whole process, first chat to settlement.
Meet your broker
Renaee McSwan. Born and raised in Cairns.
More than ten years in finance and property, all of it in Far North Queensland. Renaee is a full member of the FBAA with access to a wide panel of lenders, from the big banks to the ones you have never heard of that sometimes have the sharpest deal.
She started Mac & Co Lending so locals could deal with a person, not a call centre. You get her mobile number, and she answers it.
What she can sort out
Eight kinds of lending. One broker.
Purchase a property
Your first home or your third. From the paperwork to inspections to settlement day, she makes it simple and stress free.
Home loans
Refinancing
A better deal, debts consolidated, or a proper review of your finances. No idea where to begin? That is what she is for.
Refinancing
Asset finance and commercial
Growing the business, buying a new car, or funding equipment. She lays the options out in plain English.
Asset financeAll eight services, from personal loans to insurance, live on the services page.
How a loan happens
Five steps. She drives, you decide.
Chat
A free conversation, at her office, your kitchen table or over the phone. What you earn, what you owe, what you want to do. No forms yet, no obligation.
Options
Renaee compares loans across her lender panel and comes back with a shortlist that fits. Each option explained in plain English, including what it costs over time.
Application
She prepares and lodges the application, chases the lender, and handles the back and forth. You get updates without having to ask for them.
Settlement
Approval, signing, settlement day. Renaee coordinates with your solicitor and the lender so the moving parts land on time.
The annual review
This is the bit most brokers skip. In her words: "I am not the set and forget type. Once a year I check your loan still stacks up. If your lender has drifted, we fix it."
What clients say
Rated 5.0 on Facebook.
From 5 reviews on Facebook
“Mac & Co Lending - the best in the business! Super Helpful. Made our experience of buying a house so smooth”
“I highly recommend Renaee. She has been amazing with me and my home loan needs”
“What a fun and professional experience! Renaee listened, helped us set goals, and made the entire process of buying our first home effortless”
Areas served
Cairns and everywhere around it.
Common questions
The things people ask first.
For most home loans, nothing. The lender pays the broker a commission after your loan settles, and Renaee discloses exactly what that is before you sign anything. If a fee ever applies to your situation, you will know up front, in writing.
Your bank can only offer you its own products. A broker compares loans from a wide panel of lenders and does the negotiating for you. Your bank also will not tell you when a competitor has a sharper rate. A broker will, because finding it is the whole job.
It varies by lender and how complete your paperwork is. Some lenders turn applications around in days, others take weeks. Renaee tells you the realistic timeframes for each lender on your shortlist before you pick one, and keeps the application moving so it does not stall in a queue.
No. Plenty of loans settle with less. A smaller deposit usually means paying lenders mortgage insurance, and some buyers qualify for government schemes that reduce or remove that cost. Whether that trade off makes sense for you is exactly the kind of thing a free chat sorts out.